List of Top Bandhan Bank Credit Cards In India
- Joining Fee₹9,999 + GST
- Annual Fee₹9,999 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
16 Reward Points for Every ₹200 Spent, 24 Reward Points for Every ₹200 Spent Internationally
Welcome Benefits
₹10,000 'Giftwrapped by Oberoi' E-Voucher on Spending ₹20,000 Within the First 30 Days of Card Issuance and Payment of the Joining Fee
Card Details +
The Bandhan Bank Lumina Credit Card is a premium lifestyle credit card that comes with a joining and annual fee of ₹9,999 + GST, while the annual fee is waived on yearly spends of ₹12 lakh. It offers 16 reward points for every ₹200 spent and 24 reward points for every ₹200 spent internationally. The card also offers unlimited international lounge access, 8 complimentary domestic lounge visits per quarter, 4 Airport Meet & Greet services, and a low forex markup fee of just 1%. Apart from travel benefits, the card offers a 25% discount on EazyDiner and BookMyShow, with savings of up to ₹1,000 per month on each platform. You also get 4 complimentary golf lessons and 4 golf games every year at select courses.
- Joining Fee₹2,499 + GST
- Annual Fee₹2,499 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
10 Reward Points on Every ₹200 spent
Welcome Benefits
Earn 5,000 Bonus Reward Points on Spend of ₹10,000 within the First 30 Days of Card Issuance
Card Details +
The Bandhan Bank Flare Credit Card is a lifestyle credit card that has a joining and annual fee of ₹2,499 + GST and offers rewards on everyday spending along with travel and entertainment benefits. Cardholders earn 10 reward points for every ₹200 spent and can earn 5,000 bonus reward points every month on spends of ₹75,000 or more. The card also offers 4 complimentary domestic and 1 international airport lounge visits every quarter, discounts on BookMyShow and EazyDiner, a low forex markup fee of 1.99%, and complimentary golf lessons. Additionally, you get 5,000 welcome reward points on spending ₹10,000 within the first 30 days of card issuance.
- Joining FeeNil
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points on Every ₹200 on All Eligible Spends
Welcome Benefits
500 Reward Points on Spending ₹5,000 within 30 Days of Card Issuance
Card Details +
The Bandhan Bank Sparks Credit Card is an entry-level credit card for everyday spending. It comes with no joining fee and a low annual fee of ₹499 + GST, which is waived on annual spends of ₹50,000. Cardholders earn 2 reward points for every ₹200 spent and receive 500 welcome reward points on spending ₹5,000 within the first 30 days. The card also offers 20% off on BookMyShow, 1 complimentary domestic airport lounge visit every quarter, a 1% fuel surcharge waiver, and 10% cashback on the first EMI transaction, making it a good option for regular shoppers.
- Joining FeeN/A
- Annual Fee₹999 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
4 Reward Points Per ₹200 on All Eligible Spends, 2X Reward Points Per ₹200 Spent on Grocery and Travel
Welcome Benefits
N/A
Card Details +
The Bandhan Bank Ignite Credit Card is for everyday spending that comes with no joining fee but has an annual fee of ₹999 + GST. Cardholders earn 4 reward points for every ₹200 spent on eligible transactions and 2X reward points on grocery and travel purchases. The card also offers one complimentary domestic and one international airport lounge visit every quarter, a 15% discount on EazyDiner, and a 1% fuel surcharge waiver. In addition, you can earn 1,200 bonus reward points every month by spending ₹30,000 or more, while the annual fee is waived on yearly spends of ₹1 lakh.
Bandhan Bank Credit Card Features & Benefits
Bandhan Bank Credit Cards come with a mix of rewards, travel, shopping, and lifestyle benefits to suit different spending needs. Whether you’re looking for an entry-level card or a premium travel card, you can find features that help you save on your everyday expenses.
Reward Points on Spending
Most Bandhan Bank credit cards let you earn reward points on eligible purchases. Some cards also offer higher reward points on categories like grocery, travel, or international spending. Reward points can be redeemed against different options, with 1 reward point generally worth ₹0.25.
Airport Lounge Access
Depending on the card you choose, you can get complimentary domestic and international airport lounge access. Premium cards like Lumina offer unlimited international lounge access, while other cards provide a fixed number of lounge visits every quarter.
Dining and Entertainment Benefits
Several Bandhan Bank credit cards offer discounts on popular platforms like EazyDiner and BookMyShow. These offers help you save on restaurant bills and movie ticket bookings every month.
Low Forex Markup on Select Cards
If you travel abroad or shop internationally, cards like Lumina and Flare come with lower forex markup charges than many regular credit cards, helping reduce the cost of foreign transactions.
Milestones Benefits
Some Bandhan Bank credit cards offer bonus reward points when you reach specific spending milestones. These additional rewards help regular users maximize their earnings by turning higher monthly spends into extra benefits. For example, users who meet the required spending limit within a month can earn bonus reward points along with their regular rewards, helping them get more value from their everyday purchases.
Fuel Surcharge Waiver
Most Bandhan Bank credit cards offer a 1% fuel surcharge waiver on eligible fuel transactions, allowing you to save a little on your fuel expenses.
Golf and Lifestyle Benefits
Premium cards such as the Bandhan Bank Lumina and Flare Credit Cards offer additional lifestyle benefits like complimentary golf lessons. Cardholders can enjoy free golf sessions at select courses, making these cards a good choice for golf enthusiasts. Along with golf privileges, these cards also provide travel and lifestyle benefits that add more value for users who prefer premium experiences and frequently use their cards for leisure activities.
Fees & Charges
Before applying for a Bandhan Bank Credit Card, it is important to understand the fees and charges with each card. The table below provides a quick comparison of the fees and charges for different Bandhan Bank Credit Cards to help you select the one that best suits your spending needs.
| Fees & Charges |
Bandhan Bank Lumina Credit Card |
Bandhan Bank Flare Credit Card |
Bandhan Bank Sparks Credit Card |
Bandhan Bank Ignite Credit Card |
| Annual Fee Waiver |
Spend ₹12 lakh in an anniversary year |
Spend ₹6 lakh in an anniversary year |
Spend ₹50,000 in an anniversary year |
Spend ₹1 lakh in an anniversary year |
| Foreign Currency Markup Fee |
1% |
1.99% |
3.5% |
3.5% |
| Interest Rate |
3.5% |
3.5% |
3.5% |
3.5% |
| Fuel Surcharge Waiver |
1% waiver up to ₹1,000 per statement cycle |
1% waiver up to ₹500 per statement cycle |
1% waiver up to ₹150 per statement cycle |
1% waiver up to ₹250 per statement cycle |
| Cash Advance Charges |
N/A |
3.5% (Minimum ₹500 + GST) |
3.5% (Minimum ₹500 + GST) |
3.5% |
Bandhan Bank Credit Card Eligibility
To apply for a Bandhan Bank Credit Card, applicants must meet certain eligibility criteria set by the bank. The requirements may vary depending on the card type, but generally, you need to fulfill the following conditions:
- The primary applicant should be between 21 and 65 years of age.
- The applicant must be an Indian resident.
- Applicants should have an active relationship with Bandhan Bank, such as a Savings Account, Current Account, Fixed Deposit (FD), or Loan Account.
- The minimum income requirement may vary depending on the credit card. For example, some cards may require an annual income of ₹2.5 lakh or above, while premium cards may have higher income requirements.
- A good credit score and a healthy credit history can improve the chances of approval.
- Applicants need to provide valid identity proof, address proof, income proof, and other documents required by the bank.
How To Activate Bandhan Bank Credit Cards
After receiving your Bandhan Bank Credit Card, you need to activate it before using it for transactions. Follow these steps to activate your Bandhan Bank Credit Card:
Step 1: Log in to Bandhan Bank Internet Banking or the mBandhan 2.0 mobile app using your registered details.
Step 2: Go to the Credit Cards section from the dashboard.
Step 3: Select the credit card you want to activate and choose the option to set your card PIN.
Step 4: Enter a 4-digit PIN and confirm it. Complete the verification using the OTP sent to your registered mobile number.
Step 5: Once the PIN is successfully set, your card will be ready to use. You can also manage transaction settings, such as enabling or disabling online and other transactions, from the Credit Cards section.
Bandhan Bank Credit Card Customer Care
If you have any questions or issues related to your Bandhan Bank Credit Card, you can contact customer care for assistance. The bank’s support team can help with queries related to card activation, transactions, payments, billing, and other credit card services.
Bandhan Bank Credit Card Customer Care Number
You can contact Bandhan Bank Credit Card customer support through the following channels:
- Toll-Free Number: 1800-258-8181
- Customer Care Number: 033-6633-3333
- Email Support: customercare@bandhanbank.com
Bandhan Bank WhatsApp Banking
For quick assistance, you can use Bandhan Bank’s WhatsApp Banking service. Save the number below and send “Hi” from your registered mobile number to the bank’s WhatsApp number, which is +91 87 3000 3000
Bottom Line
Bandhan Bank Credit Cards offer a variety of options for users with different spending habits and financial needs. Whether you want to earn rewards on everyday purchases, save on dining and entertainment, or enjoy travel benefits like airport lounge access, there is a card for different requirements. Premium cards like the Bandhan Bank Lumina and Flare Credit Cards are suitable for users who prefer travel and lifestyle benefits, while cards like Sparks and Ignite are better options for those looking for affordable cards with useful everyday features.
Choosing the right credit card depends on your spending pattern and the benefits you value the most. Before applying, compare factors like annual fees, reward rates, welcome benefits, lounge access, and fee waiver conditions to find a card that offers maximum value. A credit card can be more rewarding when you use it regularly and pay your bills on time. If you choose a Bandhan Bank Credit Card that matches your lifestyle and spending needs, you can enjoy savings, rewards, and additional benefits while managing your expenses more efficiently.
