Bandhan Bank Credit Cards
Complete catalogue of all 4 Bandhan Bank credit cards with MITC verified data
Total
4
Cards
Zero Fee
0
Lifetime Free
Bandhan Bank 4-Pillar Issuer Benchmark
4 cards found
Top Recommended Bandhan Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Bandhan Bank Lumina
Unlimited International Lounge, 32 Domestic Lounges & 1.0% Forex
Bandhan Bank Flare
16 Domestic & 4 International Lounges/Yr + 1.99% Forex
Bandhan Bank Ignite
Accelerated Grocery & Dining Rewards + 4 Domestic & 4 Intl Lounges
Bandhan Bank Sparks
₹0 Joining Fee, 4 Domestic Lounges/Yr & Movie Discounts
| Feature | Bandhan Bank Lumina | Bandhan Bank Flare | Bandhan Bank Ignite |
|---|---|---|---|
| CardCheck Score | 84/100 | 72/100 | 59/100 |
| Rating Verdict | Excellent | Very Good | Fair |
| Primary Benefit | Travel and dining rewards | Travel and dining rewards | Dining, grocery, and travel rewards with lounge access |
| Annual Fee | ₹9,999 | ₹2,499 | ₹999 |
| Spend Fee Waiver | ₹12 Lakh Spend | ₹6 Lakh Spend | ₹1 Lakh Spend |
| Lounge Access | 32 Domestic / Year | 16 Domestic / Year | 4 Domestic / Year |
| Min Salary Target | ₹1,50,000 / month | ₹1,00,000 / month | ₹50,000 / month |
2026 Bandhan Bank Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning Bandhan Bank card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Luxury & 1% Forex Markup | Bandhan Bank Lumina Credit Card | 2.0% – 3.0% Reward Rate | ₹9,999 + GSTWaived at ₹12 Lakh spend | Super-premium flagship featuring 32 domestic airport lounge visits, unlimited international lounge access, and an ultra-low 1.0% forex markup. |
| Frequent Travel & Lounge Access | Bandhan Bank Flare Credit Card | 1.25% – 2.5% Travel & Dining | ₹2,499 + GSTWaived at ₹6 Lakh spend | Dedicated travel card with 16 domestic (4/quarter) + 4 international lounge visits and a discounted 1.99% forex markup fee. |
| Dining, Grocery & Lifestyle | Bandhan Bank Ignite Credit Card | Accelerated Dining & Grocery Rewards | ₹999 + GSTWaived at ₹1 Lakh spend | Balanced lifestyle card with zero joining fee, accelerated rewards on dining and grocery, and 4 domestic + 4 international lounge visits. |
| Entry-Level Shopping & Starters | Bandhan Bank Sparks Credit Card | Everyday Shopping Rewards | ₹499 + GSTWaived at ₹50,000 spend | Accessible starter card with zero joining fee, movie discounts, and 4 complimentary domestic airport lounge visits per year. |
Popular comparisons for Bandhan Bank Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
Bandhan Bank Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 258 8181 / 033 6633 0000
Forex Markup
1% – 3.50%
Points Expiry
3 Years (No Expiry on Lumina)
Min CIBIL Target
720+
Bandhan Bank Key Takeaways & Portfolio Highlights
How to Choose the Best Bandhan Bank Credit Card in 2026
Bandhan Bank entered the Indian credit card market with a powerhouse 4-card portfolio in 2026: Sparks, Ignite, Flare, and Lumina. Designed for digital spenders, frequent flyers, and luxury travelers, these cards bring aggressive features like 1.0% forex markup, generous lounge quotas, and zero joining fees.
For frequent travelers, Bandhan Bank Flare (₹2,499) and Lumina (₹9,999) provide unmatched lounge access: Flare offers 16 domestic + 4 international visits with a 1.99% forex fee, while Lumina delivers unlimited international lounge access, 32 domestic visits, and a market-beating 1.0% forex markup.
For everyday shoppers and beginners, Bandhan Bank Sparks (₹499 annual fee, waived on ₹50k spend) and Ignite (₹999 annual fee, waived on ₹1L spend) offer ₹0 joining fees, complimentary domestic airport lounge access, and accelerated rewards on grocery, apparel, and dining.
Frequently asked questions about Bandhan Bank credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
What are the newly launched Bandhan Bank credit cards in 2026?
Bandhan Bank has newly launched 4 credit cards in 2026 spanning entry-level to luxury: 1) Bandhan Bank Sparks (₹0 joining / ₹499 annual fee) for everyday shopping; 2) Bandhan Bank Ignite (₹0 joining / ₹999 annual fee) for grocery and dining; 3) Bandhan Bank Flare (₹2,499 annual fee) for frequent travel and 16 domestic + 4 intl lounge visits; and 4) Bandhan Bank Lumina (₹9,999 annual fee), a super-premium metal-tier card featuring 32 domestic lounges, unlimited international lounge access, and 1.0% forex markup.
Which is the best Bandhan Bank credit card overall?
For luxury travel and international spending, Bandhan Bank Lumina is the best overall card, offering unlimited international lounge access, 32 domestic visits/year, and an industry-low 1.0% forex markup. For frequent flyers looking for a balance of cost and perks, Bandhan Bank Flare (₹2,499) delivers 16 domestic + 4 international lounges and 1.99% forex markup. For everyday grocery and dining with ₹0 joining fee, Bandhan Bank Ignite is the top value pick.
Does Bandhan Bank offer lifetime free credit cards?
Bandhan Bank Sparks and Ignite cards are offered with zero (₹0) joining fees. While they carry modest annual renewal fees (₹499 for Sparks and ₹999 for Ignite), these are 100% waived on spending ₹50,000 and ₹1 Lakh per year, respectively. Bandhan Bank also periodically extends pre-approved zero-fee promotional offers to existing savings and salary account holders.
How to apply for a Bandhan Bank credit card online?
You can apply for a Bandhan Bank credit card online via the official Bandhan Bank website (bandhanbank.com) or through the mBandhan Mobile Banking app under 'Cards' > 'Apply Credit Card'. Existing customers with pre-approved offers can complete digital verification via Video KYC in under 5 minutes with zero physical paperwork.
Which Bandhan Bank credit card is best for airport lounge access?
Bandhan Bank Lumina is the flagship lounge card, providing 32 domestic airport lounge visits per year (8 per quarter) and unlimited international lounge access. Bandhan Bank Flare offers 16 domestic lounge visits (4 per quarter) and 4 international visits per year. Bandhan Bank Ignite and Sparks also provide 4 complimentary domestic airport lounge visits per year (1 per quarter).
What are the charges, fees, and interest rates for Bandhan Bank credit cards?
Bandhan Bank card joining fees range from ₹0 (Sparks, Ignite) to ₹2,499 (Flare) and ₹9,999 (Lumina). Annual renewal fees match the joining tiers but are waivable upon meeting annual spend targets (₹50k for Sparks, ₹1L for Ignite, ₹6L for Flare, ₹12L for Lumina). Interest finance charges (APR) range from 18% to 42% per annum, and foreign currency markup is 1.0% on Lumina, 1.99% on Flare, and 3.5% on Ignite/Sparks.
Can I get a Bandhan Bank credit card against Fixed Deposit (FD)?
Yes. Bandhan Bank provides secured credit cards backed by a Fixed Deposit. Cardholders receive a credit limit equal to 80%–90% of their FD amount with 100% guaranteed approval and zero income documentation. It is an effective way for students, freelancers, and new-to-credit applicants to build or repair their CIBIL credit score while their FD continues earning interest.
What benefits and reward offers come with Bandhan Bank credit cards?
Bandhan Bank cards offer accelerated reward points on travel, dining, grocery, and apparel, along with 1% fuel surcharge waivers across all Indian petrol pumps. Premium tiers like Flare and Lumina provide discounted 1.0%–1.99% forex markup, generous lounge access quotas, luxury dining privileges, and milestone bonus points.
What is the Bandhan Bank credit card customer care number?
Bandhan Bank credit cardholders can reach 24x7 customer support via toll-free numbers 1800 258 8181 and 1800 200 8181, or call 033 6633 0000. Support is also accessible via email at customercare@bandhanbank.com or through the mBandhan Mobile Banking app.
What is the minimum eligibility criteria and CIBIL score for Bandhan Bank credit cards?
Applicants must be Indian residents aged 21 to 65 years. Salaried applicants typically require a minimum monthly net income of ₹25,000 (higher for Flare and Lumina), while self-employed individuals need an annual ITR filing above ₹5 Lakhs. A CIBIL score of 720+ is recommended for unsecured cards. Applicants with lower scores can opt for the FD-backed secured card.