Bandhan Bank Lumina Credit Card
- Updated On: 15 July, 2026
What if one credit card could help you save on your favorite restaurants, reduce your movie ticket bills, reward your everyday spending, and even make your travels more rewarding? That’s exactly what the Bandhan Bank Lumina Credit Card aims to offer. The card is for users who enjoy dining out, shopping, entertainment, and occasional travel; this lifestyle credit card brings together various benefits in one package.
Cardholders can enjoy welcome vouchers, monthly discounts on platforms like EazyDiner and BookMyShow, reward points that never expire, complimentary airport lounge access, and milestone rewards that add more value as your spending increases.
Another highlight is its low forex markup fee of 1.5%, making it a good choice for those who travel abroad or frequently shop on international websites, as it helps keep foreign transaction costs lower than what many other credit cards charge. Whether you’re looking for a card that helps you save on everyday expenses or one that offers travel-friendly features, the Bandhan Bank Lumina Credit Card checks several important boxes.
Bandhan Bank Lumina Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
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
Rewards and Benefits
Movie & Dining
25% Discount on EazyDiner, Up to ₹1,000 Once Every Month and 25% Discount on BookMyShow, Up to ₹1,000 Once Every Month
Rewards Rate
16 Reward Points for Every ₹200 Spent, 24 Reward Points for Every ₹200 Spent Internationally
Reward Redemption
1 Reward Point = ₹0.25
Travel
4 Complimentary Airport Meet & Greet Services
Domestic Lounge Access
8 Complimentary Domestic Lounge Access Per Quarter at Select Airports
International Lounge Access
Unlimited International Airport Lounge Access
Golf
4 Complimentary Golf Lessons and 4 Games at Leading Courses Across India and Select Courses Across the World
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Charges Waived on Spends of ₹12 Lakh
Rewards Redemption Fee
N/A
Foreign Currency Markup
1%
Interest Rates
3.5%
Fuel Surcharge Waiver
1% Waiver Up to ₹1,000 Per Statement Cycle
Cash Advance Charges
N/A
Product Details
- Earn 16 reward points for every ₹200 spent domestically and 24 reward points for every ₹200 spent internationally.
- Reward points can be redeemed at a value of ₹0.25 per point.
- Spend ₹1 lakh in a month to earn up to 10,000 bonus reward points.
- Get a 25% discount on EazyDiner and BookMyShow, with savings of up to ₹1,000 per month on each platform.
- Enjoy unlimited international airport lounge access and 8 complimentary domestic lounge visits per quarter.
- Receive 4 complimentary Airport Meet & Greet services for a seamless travel experience.
- Avail 4 complimentary golf lessons and 4 complimentary golf games at select golf courses in India and overseas.
Pros/Cons
Pros
- The card offers a low 1% forex markup fee, which helps to reduce the cost of international transactions, making the card an excellent choice for frequent international travelers and overseas shoppers.
- Unlimited international lounge access and 8 complimentary domestic lounge visits per quarter make the card a good choice for frequent travelers.
Cons
- The annual fee is quite high, so the card may not be worth it if you don’t use its premium benefits regularly.
- The annual fee waiver requires spending ₹12 lakh in a year, which may be difficult for many cardholders to achieve.
Milestone Benefits
Earn bonus rewards every month by spending ₹1 lakh on your card. Eligible cardholders can receive up to 10,000 bonus reward points, making it an excellent way to maximize the value of your everyday purchases and accelerate your rewards earnings.
Reward Rate
- Earn 16 Reward Points on every ₹200 spent on all eligible domestic transactions.
- Earn 24 Reward Points on every ₹200 Spent on International Transactions, giving you 1.5X more reward points on overseas spends.
- 1 Reward Point = ₹0.25
Bandhan Bank Lumina Credit Card Features and Benefits
Welcome Benefits
Receive a ₹10,000 ‘Giftwrapped by Oberoi’ E-Voucher on Spending ₹20,000 Within 30 Days of Card Issuance and Paying the Joining Fee.
Movie Dining Benefits
Enjoy exclusive savings on your dining and entertainment expenses with the Bandhan Bank Lumina Credit Card. Get a 25% discount on EazyDiner and BookMyShow, with savings of up to ₹1,000 per month on each platform. Whether you’re dining at your favorite restaurant or booking movie tickets, these offers help you save more every month.
Concierge Services
The Lumina Credit Card offers exclusive concierge services to make your lifestyle more convenient and seamless. With this service, you can get assistance for travel bookings, dining reservations, and even gift deliveries, helping you save time and enjoy a smoother experience for your everyday and special needs.
Golf Benefits
The Lumina Credit Card gives you 4 free golf lessons and 4 free golf games at leading golf courses across India. You can also enjoy this benefit at selected golf courses in other countries, making it a great option for golf lovers who travel.
Complimentary Airport Lounge Access
The Lumina Credit Card offers its users complimentary airport lounge access to make their travel more comfortable. Cardholders will get unlimited access to selected international airport lounges and 8 free visits to selected domestic airport lounges every quarter.
Travel Benefits
Enjoy a low forex mark-up of just 1% on all international spends, making overseas transactions more cost-effective. Additionally, receive four complimentary Airport Meet & Greet services, ensuring a smoother and more convenient travel experience.
Bottom Line
If you’re looking for a credit card that goes beyond just earning reward points, then the Bandhan Bank Lumina Credit Card is worth considering. Whether it’s saving on your favorite restaurants and movie nights, enjoying premium airport lounge access, or reducing forex charges on international spends, this card will elevate your lifestyle.
Plus, users will get those generous welcome benefits, milestone rewards, and golf privileges, and you have a card that delivers value every step of the way. While the annual fee may seem a lot to some users, frequent users can easily unlock benefits that outweigh the cost. If travel, dining, and lifestyle perks are high on your priority list, the Bandhan Bank Lumina Credit Card could be the perfect companion for your wallet.
FAQs:
What welcome benefits does the Bandhan Bank Lumina Credit Card offer?
New cardholders can receive a ₹10,000 ‘Giftwrapped by Oberoi’ e-voucher by spending ₹20,000 within the first 30 days of card issuance and paying the joining fee.
How many reward points can I earn with the Bandhan Bank Lumina Credit Card?
Cardholders earn 16 reward points for every ₹200 spent domestically and 24 reward points for every ₹200 spent internationally. Each reward point is worth ₹0.25 at the time of redemption.
Does the Bandhan Bank Lumina Credit Card offer airport lounge access?
Yes. The card offers unlimited complimentary access to select international airport lounges and 8 complimentary domestic lounge visits every quarter.
What is the forex markup fee on the Bandhan Bank Lumina Credit Card?
The card charges a low forex markup fee of 1%, making it a good option for international travel and overseas spending.
Can I get the annual fee waived?
Yes. The annual fee is waived if you spend ₹12 lakh or more in a year using the card.