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Bandhan Bank Sparks Credit Card

A credit card can do more than help you pay for your purchases; it can also add value to your everyday spending. The Bandhan Bank Sparks Credit Card is a good option for people who want useful benefits without paying a high annual fee. It comes with no joining fee and an annual fee of just ₹499, making it a good choice for first-time credit card users.

With this card, you can earn reward points on everyday expenses like online shopping, dining, utility bill payments, and entertainment. It also offers benefits such as complimentary airport lounge access, a fuel surcharge waiver, and the option to convert eligible purchases into easy EMIs. If you’re looking for an affordable credit card with a balance of rewards and everyday benefits, the Bandhan Bank Sparks Credit Card is a good option to consider.

Bandhan Bank Sparks Credit Card

( 4.3 / 5 )
Bandhan Bank Sparks Credit Card
  • Joining FeeNil
  • Annual Fee₹499 + GST
  • Best Suited ForShopping
  • Reward 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

Movie & Dining

20% Discount on BookMyShow Up to ₹100 Once Every Month

Rewards Rate

2 Reward Points on Every ₹200 on All Eligible Spends

Reward Redemption

1 Reward Point = ₹0.25

Travel

N/A

Domestic Lounge Access

1 Complimentary Domestic Airport Lounge Access Per Quarter at Select Airports

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

10% Cashback Up to ₹500 on the First EMI Booking with a Minimum Tenure of 12 Months

  • Spend-Based Waiver

    Annual Charges Waived on Spends of ₹50,000

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    3.5%

    Fuel Surcharge Waiver

    1% Waiver Up to ₹150 Per Statement Cycle

    Cash Advance Charges

    3.5% (Min of ₹500 + GST)

    • Annual fee waived on yearly spends of ₹50,000 or more.
    • Earn 2 reward points on every ₹200 spent on eligible purchases.
    • Get 500 bonus reward points on spending ₹5,000 within 30 days of card issuance.
    • Enjoy 20% off on BookMyShow up to ₹100 once every month.
    • Receive 1 complimentary domestic lounge visit every calendar quarter.
    • Save with a 1% fuel surcharge waiver of up to ₹150 per statement cycle.
    • Get 10% cashback up to ₹500 on your first EMI transaction.

    Pros

    • The card comes with no joining fee, and the annual fee of ₹499 + GST is waived if you spend ₹50,000 or more in an anniversary year, making it affordable for regular users.
    • It offers reward points on eligible spends along with practical benefits like BookMyShow discounts, complimentary domestic lounge access, a fuel surcharge waiver, and cashback on the first EMI transaction.

    Cons

    • The card does not offer international lounge access, travel rewards, golf privileges, or other premium lifestyle perks, making it less suitable for frequent travelers.
    • The reward earning rate is modest, and the 3.5% foreign currency markup fee makes the card less attractive for international transactions.

  • Bandhan Bank Sparks Credit Card Features and Benefits

    The Bandhan Bank Sparks Credit Card comes with a range of benefits that help you save on your everyday expenses. From welcome rewards and movie discounts to fuel savings and annual fee waiver, the card offers value across different spending categories.

    Welcome Benefits

    Make the most of your Bandhan Bank Sparks from day one. Spend ₹5,000 within 30 days of your card being issued and earn 500 bonus reward points as a welcome bonus.

    Movie Benefits

    Enjoy savings on your movie outings with the Bandhan Bank Sparks Credit Card. Get a 20% discount on BookMyShow, up to ₹100, once every month when you book your movie tickets using the card.

    Annual Fee Waiver

    This credit card comes with an annual fee of ₹499 + GST, which is eligible for a waiver if the cardholder is able to spend an amount exceeding ₹50,000 in an anniversary year.

    Fuel Surcharge Waiver

    Save more on your fuel expenses with the Bandhan Bank Sparks Credit Card. Enjoy a 1% fuel surcharge waiver on eligible fuel transactions, with savings of up to ₹150 per statement cycle, helping you reduce your monthly fuel costs.

    Cashback on Your First EMI

    Get 10% cashback, up to ₹500, on your first EMI booking with a minimum repayment tenure of 12 months. This benefit is available once, helping you save on your first purchase.

    Reward Rate

    Earn 2 reward points for every ₹200 spent on eligible transactions. Whether you’re shopping, dining, or paying your bills, your regular spending helps you collect reward points that can be redeemed later on.

    Complimentary Lounge Access

    Enjoy 1 complimentary domestic airport lounge access every calendar quarter at select airports, giving you a relaxed and comfortable experience while you wait for your flights.

    Who Should Apply

    The Bandhan Bank Sparks Credit Card is best suited for:

    • Individuals looking for a simple and affordable credit card with everyday benefits.
    • First-time credit card users who want to build or improve their credit history.
    • People who frequently shop online, dine out, book movies, or manage daily expenses.
    • Users who prefer earning reward points while spending.
    • Those who want basic lifestyle benefits like lounge access and fuel savings.
    • Individuals who want a low annual fee credit card with practical benefits.

    Eligibility Criteria

    To apply for the Bandhan Bank Sparks Credit Card, applicants must meet the following eligibility criteria:

    • Available to existing Bandhan Bank customers with an active Savings Account, Current Account, Fixed Deposit (FD) Account, or Loan Account.
    • Primary cardholder must be between 21 and 65 years of age.
    • Applicant must be a resident of India.
    • Minimum annual income requirement is ₹2.5 lakh or more.

    Bottom Line

    The Bandhan Bank Sparks Credit Card is a suitable choice for people who want a credit card that is affordable and offers useful benefits for everyday spending. Since it comes with no joining fee and a low annual fee of ₹499, it is a good option for first-time credit card users as well as those who do not want to pay a high annual charge. The card lets you earn reward points on your regular purchases, while benefits like movie discounts, complimentary airport lounge access, a fuel surcharge waiver, and cashback on your first EMI booking add extra value to your spending.

    Although this card does not offer premium travel or luxury lifestyle benefits, it covers the basic features that most users look for in an everyday credit card. If you regularly shop online, dine out, pay utility bills, or use your credit card for daily expenses, the Bandhan Bank Sparks Credit Card can help you earn rewards and enjoy savings along the way. It is a practical credit card that offers a good balance of affordability, rewards, and everyday benefits, making it worth considering if you’re looking for a reliable entry-level credit card.

    FAQs:

    Cardholders receive 500 bonus reward points by spending ₹5,000 within the first 30 days of card issuance.

    Yes. The card provides 1 complimentary domestic airport lounge visit per calendar quarter at select airports.

    Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions, with a maximum benefit of ₹150 per statement cycle.

    Yes. You can get 10% cashback (up to ₹500) on your first EMI booking with a minimum repayment tenure of 12 months.

    The card charges a 3.5% foreign currency markup fee on international transactions.

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