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JS Bank
JS Bank's growth strategy is based on innovative product development to better address customer needs, enhancing customer accessibility through branches, a robust technology network and strengthening of service quality to create a satisfying banking experience. The Bank leverages its superior partnerships with world class institutions to enrich customer experience and enhance its ability to better serve the diverse needs of its clients. JS Bank is gradually increasing its market share in the consumer banking and leasing businesses sectors.


JS Bank Credit Card


Karlo opens up a world of privileges where it provides a free comparison platform to help its user getting the best card for their needs. JS bank credit card discounts and offers empower people to shop at millions globally without any hurdle. Compare and get the quote now!




JS Bank Credit Card Apply Online


JS bank credit cards is known for providing exceptional discounts and offers that are designed to improve your shopping and lifestyle needs. Compare the quotes with karlo and apply for the best card!



JS Bank Air Miles Credit Card


JS Bank air miles credit card offers the ultimate peace of mind by providing unmatched travel perks with a lower markup rate. Compare best JS Bank credit card for miles through Karlo Platform and find a card of your choice. You are just a click away.

  • Monthly APR
    Annual Fee
    Cash Back
  • JS Bank Classic Credit Card

    JS Bank Classic Credit Card

    3.5 %
    PKR 0
    0.50 %

    Benefits

    • Withdraw up to 75% of credit limit 
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.5 %

    46% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 1,392
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawal amount (whichever is higher)

    Foreign transaction Fee
    3.50

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.5 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 35,000
    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    30 Years

    and Maximum age is 65 years

    Self Employed
    30 Years

    and Maximum age is 70 years


    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Lounge access
    3
    Not indicated

    Discounts

    Vendors
    50+

  • JS Bank Gold Credit Card

    JS Bank Gold Credit Card

    3.50 %
    PKR 0
    0.50 %

    Benefits

    • Withdraw up to 75% of credit limit 
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.50 %

    36% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 2320
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawl amount (whichever is higher)

    Foreign transaction Fee
    3.50 %

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 50,000

    Currently Employed for 1 month with total employment of 6 months

    Self Employed
    PKR 100,000

    Two Years of total Business


    Minimum Age

    Salaried
    30 Years
    Self Employed
    30 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Lounge access
    3
    Not indicated

    Discounts

    Vendors
    50+

  • JS Bank Platinum Credit Card

    JS Bank Platinum Credit Card

    3.50 %
    PKR 0
    0.5 %

    Benefits

    • Withdraw up to 75% of credit limit
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.50 %

    36% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 4060
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawn amount (which ever is higher)

    Foreign transaction Fee
    3.50% %

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Not indicated


    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.5 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 125,000

    Currently Employed for 1 month with total employment of 6 months

    Self Employed
    PKR 150,000

    Two Years of total Business


    Minimum Age

    Salaried
    30 Years

    and Maximum age is 65 years

    Self Employed
    30 Years

    and Maximum age is 70 years


    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Louge Access
    3
    Not indicated

    Discounts

    Vendors
    50+


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Get The Best Cash Back Credit Card in Pakistan

Do you love getting cash back? If so then credit cards that offer cash back as a loyalty are best for you. Cash back cards reward you with a certain percentage of what you spend. The bank's do this by crediting you with the cash back amount back on to your card, thus reducing your overall spend.

Every issuer will have their own respective policy. Some card providers will offer cash back on all transactions, some may offer it only at grocery shopping, others on fuel, and lastly others at certain stores.

Cash back's offered by the bank is mostly subject to terms and conditions. Cash back are mostly capped at a certain amount; this means there is a  maximum cash back limit a card holder can qualify for in a given month. For example if your card has a 5% cash back on a maximum spend of PKR 10,000 in a given month. You only qualify for PKR 500 in the form of cash back in the month you spend.

When you find the right credit card that matches your needs, you need to ensure that you meet the minimum criteria of the bank offering the card. Some of the general minimum criteria's of banks are as follows:

  • You must be a minimum age of 21 years for a primary card, and 18 years of age to qualify as a supplementary card holder
  • Have a valid national ID card (CNIC)
  • Have a stable stream of income, by virtue of being a salaried individual or self employed.
  • Have good credit standing and not be in default of any loan or credit facility from any financial institution.

All banks have their respective policies and procedures. Look at our more info section for the card of your choice to evaluate whether you meet the requirements of the card that you like.

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