Bandhan Bank Ignite Credit Card
Bandhan Bank Ignite Credit Card offers accelerated rewards on grocery and travel, dining discounts, and quarterly lounge access, with no joining fee but a renewal fee.
Travel & Lounge Fit Score
70/100
Joining Fee
Free
Annual Fee
₹999
Reward Rate (%)
0.5 – 1
2 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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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
20/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
8/20
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 Ignite Credit Card Benefits
Bandhan Bank Ignite Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.5% – 1%
Earn rate
2
Points / ₹100
₹0.25
Per point
0 months
Point expiry
Bandhan Bank Ignite 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 Ignite Credit Card has no joining fee and an annual fee of ₹999, waived when you spend ₹1,00,000 or more in a year.
Bandhan Bank Ignite Credit Card Lounge Access
Airport perks included with this card
Bandhan Bank Ignite Credit Card offers 1 complimentary domestic airport lounge visit per quarter and 4 international lounge visits per year.
1 per quarter
Domestic lounge visits
4 per year
International lounge visits
Things to Keep in Mind
- Rent payment
- Wallet load transactions
- Associated processing fees
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Bandhan Bank Ignite Credit Card FAQs
What is the annual fee for Bandhan Bank Ignite Credit Card?
The annual fee for Bandhan Bank Ignite Credit Card is ₹999. The fee is waived on annual spend above ₹1,00,000.
What is the joining fee for Bandhan Bank Ignite Credit Card?
The one-time joining fee for Bandhan Bank Ignite Credit Card is nil (no joining fee).
What are the rewards and benefits of Bandhan Bank Ignite Credit Card?
Bandhan Bank Ignite Credit Card earns points rewards. Reward rate ranges from 0.5% to 1%. You earn 2 points per ₹100 spent.
What lounge access benefits does Bandhan Bank Ignite Credit Card provide?
Bandhan Bank Ignite Credit Card provides 1 domestic lounge visits per quarter and 4 international lounge visits per year.
What is the eligibility criteria for Bandhan Bank Ignite Credit Card?
To be eligible for Bandhan Bank Ignite Credit Card, you need a minimum monthly income of ₹50,000.
What welcome and milestone benefits does the Bandhan Bank Ignite Credit Card offer?
Earn 1,200 bonus Reward Points on monthly spends of ₹30,000.
How do you earn rewards with the Bandhan Bank Ignite Credit Card?
Earn 4 Reward Points for every ₹200 spent on eligible regular purchases. Earn 8 Reward Points per ₹200 on grocery and travel spends. Get 1,000 Reward Points on spending ₹10,000 within 30 days of card issuance. 10% cashback up to ₹500 on the first eligible EMI transaction. Reward Points earned on Bandhan Bank Credit Cards do not expire.
What are the exclusions and limits on the Bandhan Bank Ignite Credit Card?
The Bandhan Bank Ignite Credit Card does not earn rewards on rent payment, wallet load transactions and associated processing fees.
Is the Bandhan Bank Ignite Credit Card worth its annual fee?
The annual fee is ₹999, waived when you spend ₹1,00,000 or more in a year. At the 0.5% base reward rate, rewards alone cover the fee at about ₹2,00,000 of yearly spend. Spends in bonus categories earn up to 1% and get there sooner, within their caps.
Bandhan Bank Ignite Credit Card Eligibility
To apply for Bandhan Bank Ignite Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹50,000.
Employment type
Pros & Cons
- Stronger base reward earn than the entry-level Sparks card
- 2X rewards on grocery and travel spending
- Up to 4 domestic lounge visits per year
- Up to 4 international lounge visits per year
- Useful ₹500 monthly EazyDiner discount
- ₹30,000 monthly spending can unlock bonus Reward Points
- Nil joining fee
- Good mid-tier option for frequent grocery, travel and dining users
- ₹999 renewal fee applies if annual waiver criteria are not met
- Accelerated rewards are restricted mainly to grocery and travel
- No BookMyShow movie discount
- No golf benefits
- No complimentary concierge service
- No airport meet-and-greet benefit
- No complimentary insurance benefit listed for Ignite
- Fuel surcharge waiver is capped at ₹250 per statement cycle
Who is this card for?
Individuals who spend on dining, groceries, and travel and want lounge access.
Quick Links
Data last updated 15 Sept 2026
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