How long does approval take?

Standard processing takes approximately 5–7 working days after all required documentation is submitted.

Can I add supplementary cardholders?

Yes, you can add up to 3 supplementary cards for family members over 18 years old.

What's the difference between Visa Platinum and Classic?

Platinum offers significantly higher credit limits, 6 free lounge visits (DragonPass), and enhanced lifestyle privileges compared to the classic tier.

Can I convert purchases to installments?

Yes! Use the JTR Mobile App to convert any eligible purchase into 3, 6, 9, or 12-month installments.

How do I increase my credit limit?

If your income has increased or you have maintained a good usage and repayment record, you can request a limit review by visiting your nearest branch with updated income documents. Customers can also request a temporary credit limit increase up to $30,000 for a period of up to 3 months.

VISA Platinum Credit Card - Airport Lounge Access | J Trust Royal Bank: J Trust Royal Bank

Q: What is included in the 24/7 support?

Our Customer Care Centre (023 999 000) provides 24/7 assistance for card activation, reporting lost/stolen cards, transaction disputes, and general inquiries.

Q: What purchase protection does the card offer?

The card includes advanced chip security for in-person sales and Verified by Visa (3D Secure) for online shopping to protect against unauthorized charges.

Features & Benefits

Enhanced Financial Freedom

Experience ultimate flexibility with a "Buy Now, Pay Later" model, offering up to 45 days of interest-free spending. This allows you to manage high-value cash flow effectively and extend your Platinum privileges to family members with up to three supplementary cards.

Global Prestige & Recognition

Your lifestyle knows no borders. Enjoy instant recognition at millions of merchants and over 2.1 million ATMs worldwide. From luxury travel to international business, your J Trust Royal Visa Platinum provides seamless access to local currencies and premium global acceptance.

Premium Installment Solutions

Turn significant investments—such as tuition, medical bills, or luxury electronics—into manageable monthly payments. Convert any large purchase into a 12-month installment plan with a competitive rate of just 1% per month (12% p.a.) directly via the JTR Mobile App.

Airport Lounge Access with DragonPass

One of the most sought-after benefits of the J Trust Royal Visa Platinum Credit Card is the seamless travel experience provided by our partner, DragonPass.

Complimentary Access: Cardholders receive 6 free airport lounge visits per year.
Global Network: Access over 1,000 premium lounges worldwide, including the Airport Lounges at Techo International Airport (KTI) and Siem Reap–Angkor International Airport (SAI).
Lounge Amenities: Enjoy high-speed Wi-Fi, comfortable seating, complimentary food and beverages, and shower facilities while you wait for your flight.
Easy Redemption: Simply download the DragonPass App and activate the membership ID. Present this at the lounge entrance for instant entry.

Choose Your Card Design

Fee Charge

Annual Fee	USD 100 USD 50 for additional cardholders
Monthly Interest	2%
Minimum Repayment	5% of monthly outstanding balance, minimum repayment USD 10
Cash Advance Fee	USD 5 or 2% of Cash Advance Amounts whichever is greater

Please review the J Trust Royal Credit Card Fees & Charges for a full list of fees and charges.

Eligibility & Requirements

Types	Platinum Credit Card
Secured	CASA / Term Deposit Accounts Min. TD Tenor: 3 months with rollover Cambodian/Expatriate (valid visa)
Unsecured	Proof of employment / income Cambodian only

Who Can Apply

18 years old and above
Cambodian / Expatirate (valid visa)

Required Documents

Valid National ID card or Passport (valid visa for expatriate)
Residential proof
Proof of employment and income
Employment letter stating your current position, number of years working in the workplace, and employer in Cambodia.

How To Apply

Visit Us

Drop by your nearest J Trust Royal Bank branch and speak with one of our friendly Personal Bankers to get started.

Open an Account

If you aren't a customer yet, our staff will help you open a linked transaction account to manage your card seamlessly.

Complete Application

Fill out the simple Credit Card Application form with guided assistance from our professional team.

Verify Identity

Provide your required documents, such as a valid National ID or Passport, and proof of income for verification.

Eligibility Review

Your application will be assessed against J Trust Royal Bank’s credit criteria and eligibility conditions.

Get Your Card

Once approved, receive your offer letter and collect your new Visa Credit Card from the branch where you applied.

Frequently Asked Questions

Typically, the process takes approximately 3-5 working days from the date you submit all required documentation. Once approved, you can collect your card from the branch where you applied.

Credit limits are determined based on your financial profile and income. Platinum limits typically start higher than Classic cards to accommodate premium spending needs.

If your income has increased or you have maintained a good usage and repayment record, you can request a limit review. Simply visit your nearest branch with updated income documents (such as your latest salary slips) to apply for an increase.

No, but you will need to open a J Trust Royal transaction account as part of the credit card application process.

Currently, the final application and document submission must be completed in-branch to ensure security and identity verification.

Our Customer Care Centre provides 24/7 assistance for card activation, reporting lost/stolen cards, transaction disputes, and general inquiries.

Our cards utilize EMV Chip & PIN technology to prevent skimming. Additionally, you receive real-time alerts for every transaction and can use the JTR Mobile app to instantly block/unblock your card.

You receive 6 complimentary visits per year through the DragonPass program.

Yes, your card is globally accepted at any merchant or ATM displaying the Visa logo.

Late payments incur a late fee and interest will be charged on the outstanding balance from the transaction date. Consistent late payments may affect your credit score.

Yes, you can request an additional card for family members (such as a spouse or child over the age of 18). The primary cardholder remains responsible for the total balance, but it’s a great way to manage household expenses together.

The card includes advanced EMV chip security for in-person sales and Verified by Visa (3D Secure) for online shopping to protect against unauthorized charges.

Contact our 24/7 Customer Care Centre immediately or visit a branch to fill out a Dispute Form.

Platinum offers significantly higher credit limits, 6 complimentary VIP Airport lounge accesses (DragonPass), and enhanced lifestyle privileges compared to the classic tier.

Yes, international transactions are subject to a standard currency conversion fee (typically around 2%).

Yes, you can convert any eligible purchase into 3, 6, 9, or 12-month installments conveniently via JTR Mobile.

VISA Platinum Credit Card - Airport Lounge Access

Elevate Every Journey with Higher Limits, Global Concierge Services, and Premium Merchant Rewards

Why Choose Platinum Credit Card?