JS Bank
Premium & Luxury
•••• •••• •••• 4532
VALID THRU 12/29
JS Bank Platinum Credit Card
VISA
🇵🇰 Pakistan Lifestyle & Travel Choice Credit Card

JS Bank Platinum Credit Card

Issued by JS Bank Limited

Feature-packed premium credit card by JS Bank, offering free domestic CIP airport lounge access, 0% markup installment plans on electronics, and up to 30% discount at fine dining spots.

Annual Fee PKR 9,000 (Waived on PKR 90k annual spend)
Reward Rate 2x Reward Points on Fine Dining & International Spends
APR / Profit Rate KIBOR + 14% p.a.

Exclusive Features & Cardholder Privileges

✓

Complimentary CIP Lounge Access

Free access to domestic CIP lounges in Karachi, Lahore, and Islamabad.

✓

0% Buy Now Pay Later

Convert purchases of PKR 5,000 or more into zero-markup installments for up to 12 months.

✓

Up to 30% Off Dining

Discounts at hundreds of restaurants across all major Pakistani cities.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Accessible spend-based annual fee waiver
  • Frequent dining and electronics promotional campaigns
  • Fast digital onboarding

⚠ Considerations

  • Overseas lounge visits require LoungeKey membership

Detailed Fees & Specifications

Card Name JS Bank Platinum Credit Card
Issuing Financial Institution JS Bank Limited (Karachi, Pakistan)
Card Network VISA
Card Type Credit Card
Primary Category Premium & Luxury
Annual Fee PKR 9,000 (Waived on PKR 90k annual spend)
Interest Rate / APR KIBOR + 14% p.a.
Rewards & Cashback Rate 2x Reward Points on Fine Dining & International Spends
Foreign Transaction Fee 3.5% + SBP Advance Tax
Airport Lounge Access Complimentary domestic CIP airport lounge access
0% Installments / Financing JS BNPL: 0% markup installments up to 12 months
Welcome Bonus Offer 3,500 Bonus Points on card activation
Eligibility & Credit Score Min Monthly Income: PKR 110,000