Bandhan Bank Flare Credit Card
The Bandhan Bank Flare Credit Card is a premium travel and lifestyle card offering accelerated rewards on travel, dining discounts, and complimentary lounge access.
Top Category Performance
Travel & Lounge (82/100)
Joining Fee
₹2,499
Annual Fee
₹2,499
Reward Rate (%)
1.25 – 2.5
5 pts/₹100 · ₹0.25/pt
Forex Markup
1.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Bandhan Bank Flare Credit Card Benefits
Bandhan Bank Flare Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.25% – 2.5%
Earn rate
5
Points / ₹100
₹0.25
Per point
Bandhan Bank Flare Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Bandhan Bank Flare Credit Card Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
4 per year
International lounge visits
Things to Keep in Mind
- Fuel transactions
- Cash advances
- EMI conversions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹50,000/mo (₹6,00,000/yr), your ₹2,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Bandhan Bank Flare Credit Card Eligibility
Employment type
Pros & Cons
- Strong 10 Reward Points per ₹200 base earn rate
- 2X rewards on travel with 20 Reward Points per ₹200
- Up to 16 domestic and 4 international lounge visits per year
- Attractive ₹2,000 Amazon Pay welcome benefit
- Useful monthly BookMyShow and EazyDiner discounts
- 1.99% forex markup is significantly lower than Bandhan's entry-level cards
- Reward Points do not expire
- Good fit for frequent travellers with higher monthly spending
- ₹2,499 + GST joining fee is relatively high
- ₹2,499 + GST renewal fee requires ₹6 lakh annual spends for waiver
- ₹75,000 monthly spend required to earn the 5,000-point milestone bonus
- Accelerated rewards are concentrated on travel rather than multiple categories
- International lounge access is limited to 1 visit per quarter
- BookMyShow benefit is capped at ₹500 per month
- EazyDiner benefit is capped at ₹750 per month
- No insurance, concierge or airport meet-and-greet benefits
Who is this card for?
Frequent travelers and diners who spend significantly on travel and entertainment.
Quick Links
Data last updated 11 Sept 2026
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Calculate your exact earnings with Bandhan Bank Flare Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.
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