JS / Personal / Consumer Finance / Credit Card

JS Credit Cards

JS Credit Cards are the ultimate solution to your spending woes. Our cards are designed with a purpose to solve day-to-day financial troubles. From instant cashback on necessary purchases, to amazing discounts and offers on travel, apparel & restaurants, to access to domestic and international airport lounges, we have got you covered with all this and much more!

You can apply for one of the following card variants:

Features

Kharchon Ki Problem #JustSolved

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Tap & pay

JS Contactless Credit Card comes with embedded Chip and PIN technology for an added level of convenience. Just Tap & Pay wherever you want!

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Discounts & Offers

Discounts are what we all live for! Therefore, we go above and beyond to provide you massive discounts on JS Credit Cards. We have partnered with the very best in the country to bring you incredible offers and discounts on your favorite dining outlets, apparel and lifestyle brands, travel partners, health and fitness gyms/clubs, recreational facilities, and services.

Convenience at your Tips

Discounts are what we all live for! Therefore, we go above and beyond to provide you massive discounts on JS Credit Cards. We have partnered with the very best in the country to bring you incredible offers and discounts on your favorite dining outlets, apparel and lifestyle brands, travel partners, health and fitness gyms/clubs, recreational facilities, and services.

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Balance Transfer Facility

Transfer outstanding balance from other credit cards to your JS Credit Card and pay back in easy installments and minimal mark-up rates.

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Purchase on JS Smart

JS Smart allows you to purchase countless home and lifestyle products through JS Credit Card and repay in easy installments(EMI). Visit now: www.jsbl.com/js-smart

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We got you covered

Losing your card is no more an issue! JS Credit cards are covered against all theft, loss, and fraudulent activities. So be assured that you are completely covered. JS Credit Cards also come with Credit Protector to protect you and your family in case of death and disability.

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Cash on Installment

You can advance up to 75% cash against your credit limit and pay back in easy installments.

Ever wondered why every Credit Card that you owned has focused on giving you discounts at fancy restaurants and expensive shopping outlets that you seldom visit? While, your real problems of spending remain unsolved. No more!

JS Credit Card comes as a solution to all your spending woes. With instant cashback offers and discounts on day-to-day expenses, your Kharchon ki problem is ought to be solved by JS Credit Cards.

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Fuel

Enjoy 5% instant cashback on every fuel transaction.

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Bills

Enjoy 20% instant cashback on every bill transaction.

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Education

Enjoy 10% instant cashback on every Education transaction.

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Grocery

Enjoy 1% instant cashback on every Grocery transaction.

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Travel

Coming soon.

FAQs

Q1. What categories are included in the campaign?

Fuel, Grocery, Utilities, School fee & Travel

Q2. From when can customers avail the cashback/discount?

  • Fuel – Active
  • Grocery, Utility Bills, Education fee – 1st Jan 2023
  • Travel – Coming soon

Q3. What is the percentage offering on all use cases?

Fuel 5%
Grocery 1%
Utility Bills 20%
Education Fee 10%

*Fuel per transaction cap of 5% or PKR 250/- whichever is lower
**Variant Wise Cap on Cashback is applicable as per Calendar Month.

Q4. How many times can we make a transaction in a day or a month?

There is no cap on the number of transactions in a day/month. Customers can avail the cashback up to their card’s monthly volume cap.

Q5. What is the amount capping?

Customers may avail cashback up to their card’s monthly capped amount.

*Fuel per transaction cap of 5% or PKR 250/- whichever is lower
**Variant Wise Cap on Cashback is applicable as per Calendar Month.

Q6. Is it a discount or cashback?

JS is offering cashback on customers’ essential monthly expenditures on fuel, utility bills, grocery, and education fees. The cashback amount would be credited to the customer’s JS Credit Card account.

Monthly Capping on Card (amount in PKR)

Category CLASSIC GOLD PLATINUM SIGNATURE
Fuel 2,000 3,000 4,000 5,000
Grocery 2,000 3,000 4,000 5,000
Utilities 2,000 3,000 4,000 5,000
Schools 2,000 3,000 4,000 5,000

Q7. How to avail the cashback?

Customers can use their JS Credit Card to spend on any of the categories included in the campaign and would be automatically eligible for cashback up to their monthly cap.

Fuel

  • Customer spends at any fuel service station on POS with JS Credit Card
  • Customer gets the cashback in their card account and a text message that states the amount
  • Customer also gets an email and it reflects in the monthly bill

Groceries

  • Customer spends on any grocery outlet/store on POS with JS Credit Card
  • Customer gets the cashback in their card account and a text message that states the amount
  • Customer also gets an email and it reflects in the monthly bill

Utility Bill

  • Customer pays utility bill through the website or on POS (electricity, gas, and water) with JS Credit Card
  • Customer gets the cashback in their card account and a text message that states the amount
  • Customer also gets an email and it reflects in the monthly bill

School fee payment

  • Customer pays school fee online or on POS with JS Credit Card
  • Customer gets the cashback in their card account and a text message that states the amount
  • Customer also gets an email and it reflects in the monthly bill
JS Credit Card Variants Classic Gold Platinum
Credit Card limits PKR 99,999 PKR 349,999 PKR 2 Mn
Annual Fee PKR 4,000 PKR 6,000 PKR 10,500
Annual Fee for Supplementary Cards PKR 1,650 PKR 2,500 PKR 4,500
Annual Fee Reversal Reduced fee will be charged on spending within 1 month
CIP Lounge International No Yes Yes
JS Lounge Domestic No No Yes
APR – Cash Advance/Retail Transaction 48% /49.9% 48% /49.9% 48% /49.9%
Annual Fee Reversal Reduced fee will be charged on spending within 1 month
BTF – APR 36% 36% 36%
Credit Protector – Insurance against natural death and disability 0.48% of outstanding amount
Minimum Salary Required PKR 40,000 per month

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