The Bank issues following variants of Debit Cards

• MasterCard World Debit Card
• MasterCard Platinum Debit Card
• Master Card Global Debit Card (Instant / Personalised)
• Visa Global Debit Card
• RuPay Classic (Personalised/ Instant)
• RuPay PMJDY (Instant / Personalised)
• RuPay Mudra
• RuPay Kissan
• Master Card Muhafiz Card

Glossary

1. Bank: The Jammu & Kashmir Bank Ltd.
2. Card: ATM-cum-Debit Card issued to the customer by J&K Bank in association with MasterCard/VISA/RuPay.
3. Card Holder: A customer who has been issued a "J&K Bank Debit Card".
4. ATM: All Automated Teller Machines of J&K Bank Ltd. as well as other banks with the logo of MasterCard/VISA/RuPay (in India or abroad*) and NFS or both in India.
5. PIN: The Card Holder is initially allotted a computer generated random 4 digit Personal Identification Number (PIN) in a secured and sealed PIN mailer.
6. Merchant Establishments (ME's): ME's shall include shops, stores, restaurants, hotels and commercial establishments, Etc. advertised as handling the cards by displaying MasterCard/VISA/RuPay logo, or by any other means.
7. POS Terminals: Point of Sale terminals at ME site in India or abroad at which the customer can use his or her card after entering the PIN to make purchases by debiting his/her account with the Bank.
8. Designated account: Any variant of current Deposit Account or Savings Bank account (maintained by the Card Holder) with the Bank to which all the amounts authorized/dues payable by the card holder are to be debited.
9. Customer Branch: The Branch at which the Card Holder maintains the designated account.
10. International transaction: A transaction entered into by the Card Holder through his/her card outside India at ATMs or POS terminals outside India.

Using your "J&K Bank DEBIT CARD" for cash withdrawals from ATMs.

Step 1
                    
Insert your Card into ATM slot.
Step 2 
   
Select the language English, Hindi, Urdu in which you desire to interact with ATM. This option may not be available in all ATM's
Step 3  
                
Next, the ATM will prompt you to key in the Personal Identification Number (PIN). Please take care to key in the correct PIN. After the PIN is entered, the ATM processes the information and if it is found correct guides you step by step for conducting transactions. (If the wrong PIN is entered thrice; the card will invalidated or even may be retained by the ATM. In the former case contact the concerned Card Issuing Business Unit. In case of retention contact both ATM custodians, Bank/Business Unit where the card has been issued).
Step 4
  
At this stage, options will appear on the screen and you can choose the appropriate option amongst Fast Cash, Withdrawal, PIN change and Mini statement by pressing appropriate push button/ touch screen.
Step 5
  
If you have no further transactions, please collect your card. The Card should be collected as soon as it is ejected (within 30 seconds); or else the ATM will retract it. In such an event, please contact the Business Unit at which you maintain your account (Not applicable for dip card ATM). In case of Dip Card ATMs, you will have to only dip the card and enter your PIN for each transaction.

Note:

1. All J&K Bank ATMs have, as a matter of policy, maximum cash dispensing limit of ₹40,000/ - per card per day on use.
2. You can also use your "J&K Bank MasterCard/VISA/RuPay Personalised  Debit Card" at ATMs,
   1. Which are part of the MasterCard/VISA/RuPay network in India and around the world. Just look for the MasterCard/VISA/RuPay logo at participating ATMs.
   2. Which is part of the NFS (National Financial Switch) Network in India. (NFS Networked ATMs can also be part of the MasterCard/VISA/RuPay Network.

Identification of Contactless Card and Terminal 

The Wi-Fi symbol   on the card signifies that the card is a contactless card. You need to look for this symbol on your J&K Bank MasterCard/VISA/RuPay Personalised Debit card and also on the machine at the shop. This symbol, if present, means that your card is a Contactless card and the machine is enabled for contactless transactions. A Contactless card is a faster way to pay with your credit card for purchases upto Rs.5000/- at Merchant Establishments. The transaction limit is defined by RBI and is subjected to change at their discretion.
Please Note:

The PIN will not be prompted if the Contactless card is being used at NFC terminal for transaction up to Rs.5000/ in India.
Card Usage

• As per RBI guidelines, all debit card issued will be disabled for E-commerce, contactless and International usage. The card can be swiped and used at any ATMs in India. Domestic E- commerce purchase/ contactless option can be enabled from Bank by submitting a consent.
• As per RBI guidelines, all existing debit cards which were not active for international usage are disabled and are only active for domestic usage.
• For Further assistance please contact 1800-890-2122

As per RBI directions and as an additional security, system generated OTP shall be sent by SMS on your registered mobile number and email id for using Debit Card e-commerce transactions in India.

DO’s and Don’ts

• Never use a PIN that could be easily guessed, e.g., your date of birth, first or last digits of your mobile no, easy number sequences like “1111” etc.

• Never keep your card and PIN together, please memorise the PIN and do not write it on the card or anywhere else.

• Avoid opening your purse, bag or wallet while in queue at ATM site. Have your card ready in your hand before you approach the ATM.

• Avoid using ATM that looks unsafe or with suspicious persons moving around.

• Be cautious when stranger offer you help at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction. Giving your card and disclosing PIN to someone is like giving a blank cheque.

• Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to do so.

• Please keep the PIN secret and do not disclose the PIN to anybody including your family members.

• Ensure nobody watches you enter your PIN. (You may use the knuckle of your middle finger to key in the PIN).

• Please change your PIN at regular intervals. Preferably every quarter. Change your PIN immediately in case you suspect someone may have access to your PIN.

• Never share your Card number, CVV, PIN, Card Expiry, OTP (One Time Password), etc. with anyone, even if the person claims to be a bank employee or to any email soliciting the information or to any telephonic survey.

• Always use your card only on a secured network and reputed websites over the internet to avoid any possible misuse.

• Avoid ATMs which have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card.

• Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to do so.

• In case the ATM is not working properly, press the Cancel key and withdraw your card. Report to the concerned Branch before proceeding to another ATM.

• Never force your card into the card slot.

• If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report immediately to the nearest Business Unit of the bank or helpdesk.

• Secure your card & cash carefully (in your wallet, handbag or pocket) before leaving the ATM.

• Check your account balance and statements regularly. Report any discrepancies to your bank immediately.

• Immediately after receiving your card from the Bank, please sign on the signature panel on the reverse of the Card to prevent any misuse.

• The PIN used at ATM to withdraw money and Merchant Establishments for purchases should be same.

• In case of any transaction related issues like excess debit, less cash dispensed or no cash dispensed the customer should report to helpdesk/Business Unit immediately through phone, fax or mail not later than 2 days after the date of transaction.

APPLICABILITY OF TERMS:

The Terms form the contract between the Card Holder and The J&K Bank.  The card Holder is deemed to have agreed and accepted the Terms by performing any of the below mentioned activities.

a)            By Signing the Card Application Form.
b)            By acknowledging the receipt of the Card.
c)            By signing the reverse of the Card.
d)            By performing transaction with the Card on ATM/POS machine or E Commerce.

The terms shall also put the cardholder under an obligation to:

1. Take all appropriate steps to keep safe the card and the means (such as PIN or code) which enable it to be used.
2. Not record the PIN or code, in any form that would be intelligible or otherwise accessible to any third party if access is gained to such a record, either honestly or dishonestly.
3. Notify the bank immediately after becoming aware:
4. of the loss or theft or copying of the card or the means which enable it to be used;
5. of the recording on the cardholder’s account of any unauthorised transaction; and
6. of any error or other irregularity in the maintaining of that account by the bank.

Personal Identification Number (PIN):

The PIN is used for withdrawing cash at an ATM or for Purchasing goods and services at a Merchant Establishment through POS machine. It is advisable that Card Holder in his / her own interest should change the PIN to any other four-digit number of his / her choice. For this purpose, he / she may use the PIN change option available at J&K Bank's ATMs. The PIN should be safeguarded carefully. Usage of wrong PIN three times would invalidate the Card for the rest of the day or even can be retained by the ATM. While selecting a PIN, the Card Holder is advised to avoid a PIN, which can be easily associated with him/her (e.g. Telephone number, Date of Birth, Vehicle Registration No. etc.). Besides, the selected PIN value should not comprise:

i. A sequence from the associated account numbers.
ii.String of the same number.
iii.Historically significant dates.
iv.Since an unauthorized person can access the ATM services on the Card Holder's account if he / she gains the possession of Card and the PIN, the Card should always remain in Card Holder's possession and should not be handed over to anyone else. The Bank bears no liability or responsibility for the unauthorized use of the Card. The responsibility is fully that of the Card Holder. The PIN is sent in a Pin Mailer. It is the Card Holder's responsibility to ensure that the knowledge of the PIN / PIN Mailer does not fall into any other person's hands. (The Cardholder should change the PIN immediately if it is accidentally divulged.)The PIN should not be written on the card or the pouch carrying it.

Loss of Card:
The Card Holder should immediately notify his/her Branch or J&K Bank 24x7 Personalised Helpdesk at helpdesk@jkbmail.com. (+91-194- 2481936, 2481953 / Toll Free Number 1800-890-2922). The customers can also lodge a complaint on https://www.jkbank.com/others/common/grievance.php.
Or
By a letter or by a phone call followed by confirmation in writing if the card is lost / stolen. Any financial loss arising out of unauthorized use of the Card till such time as the Bank hotlists the Card will be to the Card Holder's account. Fresh card will be issued in replacement of lost/damaged Card at a fee specified by the Bank.

Risks and Customer Awareness on Contactless Card Usage:

The customer needs to be careful while using J&K Bank's contactless card. Don’t let your card out of sight and avoid giving contactless card to an attendant or shopkeeper for billing. They might do multiple transactions without your knowledge below Rs. 5,000 since PIN is not required. If contactless cards are stolen, then there’s a chance that your money gets stolen more easily as compared to those cards that require a PIN. All the thief needs to do is swipe your card and money gets deducted; he doesn’t need to enter the PIN or authenticate the identity. The customer needs to report the loss of the card to J&K bank immediately on 1800-890-2922 or the nearest Business Unit.

Surrender the Card:

The Card being the Property of J&K Bank should be returned to the Bank for cancellation, in the event the Cardholder no longer requires the service or if the services are withdrawn by the Bank due to any reason.
Debits to customer's account:

The Bank has the authority to debit the designated account of the Card Holder for all withdrawals affected by the Card Holder by using the Card as evidenced by Bank's records which will be conclusive and binding on the Card holder. The Cardholder authorizes the Bank to debit the designated account with service charges notified by the Bank from time to time.
Transactions:

The transaction record generated by the ATM or POS machine will be binding and conclusive unless verified otherwise and corrected by the Bank. The verified and corrected amount will be binding on the Card Holder
Closing of account:

The Card Holder wishing to close the designated account and surrender the Debit Card will give the Bank notice in writing and surrender the Card along with the notice.
Validity of Card:

The J&K Bank MasterCard/VISA/RuPay Personalised Debit Card is valid for five years till the last day of the month embossed on the Card. If the card is used after the expiry, the ATM will reject it. Approach the concerned Card Issuing Business Unit one month earlier for fresh card.
Specimen Signature of the Customer must tally:

The Card holder shall sign the Card on the reverse as per the specimen signature appearing on the Customer Relationship/Account opening form or the latest signature of the Card Holder as per Bank's record.

Transaction limits on J&K Bank Debit Cards:

• The  J&K Bank MasterCard/VISA/RuPay Personalised  Debit Card can be accessed for withdrawal of cash from ATM, make payments at Merchant Establishment and ascertain the information about the account balance through the use of Card at ATMs. The transaction limits of Debit Cards are tabulated below:
  
  

  Card Variant	Cash Limit	Purchase Limit
  MasterCard World Debit Card	1,00,000	5,00,000
  MasterCard Platinum Debit Card	75,000	3,00,000
  Master Card Global Debit Card (Instant / Personalised)	40,000	1,00,000
  Visa Global Debit Card	40,000	1,00,000
  RuPay Classic (Personalised/ Instant)	40,000	1,00,000
  RuPay PMJDY (Instant / Personalised)	5,000	5,000
  RuPay Kissan (Instant / Personalised)	10,000	25,000
  RuPay Mudra	25,000	25,000
  Muhafiz Scheme	5000	5000

Note

• The Card Holder should carry out international transactions at ATMs or at POS strictly in accordance with the exchange control regulations and in the event of any failure to do so, the Card Holder is liable for action under FEMA. The Card Holder should fulfill and abide by all guidelines issued by the Reserve Bank of India and Government of India regarding international use of the Debit Card and foreign currency transaction ecom. The conversion of foreign currency amount will be done at rates decided by various parties involved. The debit in the Card Holder's account will be in Indian Rupees. However the Cardholder shall ensure to draw foreign exchange strictly as per limits fixed by RBI.

• Non- completion of transaction due to insufficient balance in the designated account at non J&K Bank ATM / POS (Merchant Establishment) will attract charges as applicable to balance enquiry.

• NFS Networked ATMs can also be part of the MasterCard/VISA/RuPay network; in such a case, the NFS fee structure will be applicable.
  
  

  Other important conditions governing the transactions:

  1. As a part of transaction monitoring, to secure the interests of card holder, the Bank may stop or restrict the card transactions from certain geographical locations across the globe or at certain e-commerce sites. In such cases the customer transaction fails. Accordingly the card holder hereby authorizes the Bank to stop or restrict the card transactions in any manner whatsoever at the sole and exclusive discretion of the Bank and without any notice to the card holder.
     
     
  2. In the event any changes are made in the card limit/withdrawal limit either on request of the card holder or on account of any product related changes, the card holder agrees and undertakes to be bound by any such change and be liable for any transactions carried pursuant to such changes over and above the original limit. In no case the card holder shall be entitled to dispute any such transaction.
     
     
  3. These terms and conditions are only indicative. Exhaustive terms and conditions governing the use of card are available on the website of the Bank at www.jkbank.com which may be updated/amended/modified/changed/varied/altered etc.  by the Bank from time to time without assigning any reason and without any notice to the card holder. The card holder hereby agrees and undertakes to be bound by such terms and conditions and any updations / amendments / modifications / changes / variations /alterations etc. thereof. In case of any inconsistency between these terms and conditions and those notified on the website of the Bank (including updations / amendments / modifications / changes / variations /alterations etc. thereof), the terms and conditions notified on the website of the Bank shall prevail. The card holder in his own interests is requested to go through the terms and conditions.
     
     
  4. The Bank shall not be liable for any transaction failures due to any technical reasons or due to failure at any ATM, merchant location (POS and e-commerce), etc.
     
     
  5. Notwithstanding anything to the contrary contained in the terms and conditions or agreed otherwise between the Bank and the Card Holder, the Bank shall not be liable for any indirect, punitive, special, incidental or consequential damages arising out of or in connection with any decline/failure in transactions due to technical faults etc., whatsoever.
     
     
  6. The card holder hereby fully acknowledges, agrees and confirms that any deductions made to the related account of card holder pursuant to subscription of any services over internet or otherwise, including transactions for which the installments are automatically debited, are valid transactions duly authorized and mandated by the card holder. The card holder shall be solely and exclusively responsible for all such transactions and no such transaction shall be called into question/disputed by the card holder on any ground, whatsoever.
     
     
  7. The card holder agrees and undertakes to abide by all the regulations/terms and conditions issued by the card issuer as may be amended from time to time.
     
     
  8. The Debit Card Service is meant for withdrawals against the balance already available in the designated account. It is the Card Holder's obligation to maintain sufficient balance in the designated account to meet withdrawals and service charges.
     
     
  9. The Bank at its discretion may amend the terms & conditions governing ATM services from time to time as per requirements. The Card Holders will be notified of such changes, which will be binding on the Card Holder.
     
     
  10. The Bank reserves the right to introduce new facilities or revoke existing facilities as and when warranted, without assigning any reason for the same. Fee charged (if any) for the use of the Card is not refundable under any circumstances.
      
      
  11. The Bank has the right to withdraw the privileges attached to the Card and to call upon the Card Holder to surrender the Card through the Merchant Establishment, or their representatives or any other representative of the Bank without assigning any reason.
      
      
  12. Use of the Card shall be terminated without notice, upon the death, bankruptcy or insolvency of the Card Holder or for other valid reasons or when the whereabouts of the Card Holder become unknown to the Bank due to any cause attributable to the Card Holder.
      
      
  13. The Bank is not responsible for the refusal by any ME to accept or honor the Card, nor shall it be responsible in any respect for the goods or services supplied to the Card Holder. The Card Holder shall handle or resolve all claims or disputes directly with such Establishments and no claim by the Card Holder against the ME is subject to set-off or counter claim against the Bank. The Bank will credit the Card Holder's Account with the amount of refund only upon receipt of a properly issued credit slip or cheque or draft from the ME.
      
      
  14. The Bank will not be responsible for furnishing original bills of the ME to the Card Holder.
      
      
  15. The Card Holder will collect from the ME the Card Holder's copy of the transaction receipts and will preserve the same for his personal record. The Bank at its discretion will approve / reject any card transaction. The Card Holder should not countermand any order, which he / she has given by means of this card. The Bank shall not be liable for any loss caused by a technical breakdown of the payment system.
      
      
  16. In case of failed transactions, the customer should report to the bank within 30 days from the date of transaction so as to seek reimbursement or otherwise from the bank if applicable.
      
      
  17. In case the Card holder disputes any transaction/s on ATM/POS terminal, the Bank shall file chargeback and retrieve the amount and restore to his/her account. However, on receiving representation from the concerned Bank the funds so retrieved shall be adjusted by debit to cardholder account without any notice to him/her.
      
      
  18. The Card is the property of the Bank and will be returned to the Bank by the Card Holder unconditionally and immediately upon request by the Bank. The Bank reserves the right to cancel the Card and stop its operations unilaterally without assigning any reason. The decision of the Bank is conclusive and binding on the Card Holder.
      
      
  19. The Card is non transferable.
      
      
  20. The Bank will not be liable for any deficiency in services or to perform any obligation there under where such failure is attributed, directly or indirectly to any malfunction of ATM, Network, Card, POS ,SMS/email delivery, temporarily insufficiency of funds, any dispute or other  circumstances  beyond its control.
  
  
  

  Addition or Withdrawal of Facilities
  
  Bank may , at its discretion , make available to the Cardholder more services on the Card , ATMs , POS Terminals, Internet or otherwise and / or other devices through Shared Networks for the Cardholders convenience and use. All fees and transactions related to transactions done by Card holders at these devices, as determined by Bank will be recovered by a debit to the account linked with the Card.
  
  Disputes
  
  Bank accepts no responsibility for refusal by any Merchant Establishment to accept and /or honor the Card. In case of disputes pertaining to a transaction with Merchant Establishment a charge/sales slip with the signature of the cardholder together with the card number noted thereon shall be conclusive evidence as between the Bank and the Cardholder as to the extent of liability incurred by the Card Holder and the Bank. In case the Cardholder has any disputes in respect of any charge indicated in the Account statement, the Cardholder communicate advice details to the Bank within 15 days of the account statement date, failing which it will be construed that all charges are acceptable and in order. Any dispute in respect of a shared network, ATM transactions will be resolved as per MasterCard/VISA/RuPay regulations and Bank does not accept responsibilities for any dealings the cardholder may have with the shared network.
  
  Frequently Asked Questions for Contactless Cards:

1. What is a Contactless Card?
• A Contactless Card is a faster way to pay with your Credit or Debit Card for purchases up to Rs.5000/- at participating stores. Instead of dipping your Card at the billing counter, you can simply tap your Card on the contactless terminal and pay without entering a PIN.
2. How will I know that my J&K Bank Card is a Contactless Card and the machine is enabled for contactless transactions?
• You can look for this symbol on your J&K Bank Card and also on the machine at the shop. symbol, means that your Card is a Contactless Card and the machine is enabled for contactless transactions.
  
  
3. How does the J&K Bank Contactless Card work?
• J&K Bank Contactless Cards contains a chip and an antenna (based on radio frequency). When you tap the Card against a contactless enabled terminal, the details get transferred wirelessly from the Card to the terminal and the payments get processed in a secure manner.
4. How does Contactless Technology benefit time?
• Contactless Cards benefits you through its enhanced convenience to pay by way of speed of payment through not having to enter your PIN for transactions up to Rs.5000/-. It is also secure as you are in control of the Card at all times as the Card does not leave your hand when you make the payment at the shop. The maximum transaction value for a contactless transaction is capped at Rs.5000/- which further limits any possible loss.
5. How can I manage usage & transaction limit of contactless card?
• To manage usage & limit for contactless Card kindly visit any J&K Bank branch to enable/ disable or change contactless limits.
6. When can I use my J&K Bank Contactless Card?
• You can use your contactless Card wherever you see this   symbol at the shop/store/outlet. It is ideal for transactions up to Rs.5000 as a PIN is not required. So you do not need to count the change or worry about carrying enough cash.
7. What if the amount is more than Rs.5000/-? Will I be able to use my Contactless Card?
• Yes, you will be able to use your J&K Bank Contactless Card, however, if the amount is above Rs.5000/- then you will have to use it like a regular Credit Card by dipping it in the machine and you will also be asked to enter the PIN.
8. What if I am buying something online and the value is up to Rs.5000/-?
• Contactless features works at a shop where there is a machine. There is no change in the way you transact online. This Card works as your normal Credit Card when you are shopping/ paying bills online.
9. How do I know when the contactless payment has been made?
• The machine at the shop/outlet will indicate that the payment has been made – a light, beep or indicator will let you know that the payment has been processed or you will get a receipt which means that the payment has been successful.
10. How far from the contactless machine should I hold the Card?
• Contactless Cards and machines do not work beyond a distance of 4 cm. We would suggest that you remove the Card from your wallet/purse/clutch and keep it on the machine.
11. Can I accidentally be charged for a contactless transaction just by walking past a contactless terminal?
• No. Contactless machines and Cards have a limited range. Your Card needs to be within 4cm from the machine to be read.
12. What if the contactless functionality does not work?
• The contactless functionality does not work straight away on your new Card. Your Card needs to be activated specifically for contactless functionality as all new cards come with this feature disabled as a default setting. The feature can be activated at your nearest branch.
13. What if I lose my J&K Bank Contactless Card? How do I report it to the bank and block my Card?
• You can block your Card and ask for a replacement through J&K Bank Mobile App or by calling up the call-centre on 1800-890-2122 /+91-194 - 2482463, 2486424. We request you to please do this immediately if you lose your Card.
14. Can someone use my contactless Debit card if I lose it?
• Since contactless transactions are carried out without any PIN authorization, anybody in possession of credit card can use it for purchase. In event of credit card being lost, immediately get your card blocked.