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.
Travel & Lounge Fit Score
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 has a joining fee of ₹2,499 and an annual fee of ₹2,499, waived when you spend ₹6,00,000 or more in a year.
Bandhan Bank Flare Credit Card Lounge Access
Airport perks included with this card
Bandhan Bank Flare Credit Card offers 4 complimentary domestic airport lounge visits per quarter and 4 international lounge visits per year.
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 FAQs
What is the annual fee for Bandhan Bank Flare Credit Card?
The annual fee for Bandhan Bank Flare Credit Card is ₹2,499. The fee is waived on annual spend above ₹6,00,000.
What is the joining fee for Bandhan Bank Flare Credit Card?
The one-time joining fee for Bandhan Bank Flare Credit Card is ₹2,499.
What are the rewards and benefits of Bandhan Bank Flare Credit Card?
Bandhan Bank Flare Credit Card earns points rewards. Reward rate ranges from 1.25% to 2.5%. You earn 5 points per ₹100 spent.
What lounge access benefits does Bandhan Bank Flare Credit Card provide?
Bandhan Bank Flare Credit Card provides 4 domestic lounge visits per quarter and 4 international lounge visits per year.
What is the eligibility criteria for Bandhan Bank Flare Credit Card?
To be eligible for Bandhan Bank Flare Credit Card, you need a minimum monthly income of ₹1,00,000.
What welcome and milestone benefits does the Bandhan Bank Flare Credit Card offer?
Get ₹2,000 Amazon Pay e-voucher on spending ₹10,000 within 30 days of issuance. Earn 5,000 bonus Reward Points on monthly spends of ₹75,000.
How do you earn rewards with the Bandhan Bank Flare Credit Card?
Earn 10 Reward Points per ₹200 on eligible regular spends. Earn 20 Reward Points per ₹200 on eligible travel spends. 10% cashback up to ₹750 on first EMI conversion with minimum 12-month tenure.
What discounts and extra perks come with the Bandhan Bank Flare Credit Card?
4 complimentary golf lessons per calendar year.
What are the exclusions and limits on the Bandhan Bank Flare Credit Card?
The Bandhan Bank Flare Credit Card does not earn rewards on fuel transactions, cash advances and EMI conversions.
Is the Bandhan Bank Flare Credit Card worth its annual fee?
The annual fee is ₹2,499, waived when you spend ₹6,00,000 or more in a year. At the 1.25% base reward rate, rewards alone cover the fee at about ₹2,00,000 of yearly spend. Spends in bonus categories earn up to 2.5% and get there sooner, within their caps.
Bandhan Bank Flare Credit Card Eligibility
To apply for Bandhan Bank Flare Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹1,00,000.
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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