Bandhan Bank Lumina Credit Card
Bandhan Bank Lumina is a premium credit card offering travel and lifestyle benefits, including unlimited international lounge access, low forex markup, and dining discounts.
Premium Privileges Fit Score
97/100
Joining Fee
₹9,999
Annual Fee
₹9,999
Reward Rate (%)
2 – 3
Forex Markup
1%
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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
34/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
14/20
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 Lumina Credit Card Benefits
Bandhan Bank Lumina Credit Card Rewards
How you earn back on every swipe
points
Reward type
2% – 3%
Earn rate
8
Points / ₹100
Bandhan Bank Lumina 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 Lumina Credit Card has a joining fee of ₹9,999 and an annual fee of ₹9,999, waived when you spend ₹12,00,000 or more in a year.
Bandhan Bank Lumina Credit Card Lounge Access
Airport perks included with this card
Bandhan Bank Lumina Credit Card offers 8 complimentary domestic airport lounge visits per quarter.
8 per quarter
Domestic lounge visits
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹1,00,000/mo (₹12,00,000/yr), your ₹9,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Bandhan Bank Lumina Credit Card FAQs
What is the annual fee for Bandhan Bank Lumina Credit Card?
The annual fee for Bandhan Bank Lumina Credit Card is ₹9,999. The fee is waived on annual spend above ₹12,00,000.
What is the joining fee for Bandhan Bank Lumina Credit Card?
The one-time joining fee for Bandhan Bank Lumina Credit Card is ₹9,999.
What are the rewards and benefits of Bandhan Bank Lumina Credit Card?
Bandhan Bank Lumina Credit Card earns points rewards. Reward rate ranges from 2% to 3%. You earn 8 points per ₹100 spent.
What lounge access benefits does Bandhan Bank Lumina Credit Card provide?
Bandhan Bank Lumina Credit Card provides 8 domestic lounge visits per quarter.
What is the eligibility criteria for Bandhan Bank Lumina Credit Card?
To be eligible for Bandhan Bank Lumina Credit Card, you need a minimum monthly income of ₹1,50,000.
What welcome and milestone benefits does the Bandhan Bank Lumina Credit Card offer?
Get ₹10,000 Oberoi e-gift voucher on spending ₹20,000 within 30 days of issuance. Earn 10,000 bonus Reward Points on monthly spends of ₹1,00,000.
How do you earn rewards with the Bandhan Bank Lumina Credit Card?
Earn 16 Reward Points for every ₹200 spent on eligible regular purchases. Earn 24 Reward Points per ₹200 on eligible international spends.
What discounts and extra perks come with the Bandhan Bank Lumina Credit Card?
₹1 crore air-accident cover plus concierge and 4 airport Meet & Greet services. 4 complimentary golf games + 4 golf lessons per year.
Is the Bandhan Bank Lumina Credit Card worth its annual fee?
The annual fee is ₹9,999, waived when you spend ₹12,00,000 or more in a year. At the 2% base reward rate, rewards alone cover the fee at about ₹5,00,000 of yearly spend. Spends in bonus categories earn up to 3% and get there sooner, within their caps.
Bandhan Bank Lumina Credit Card Eligibility
To apply for Bandhan Bank Lumina Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹1,50,000.
Employment type
Pros & Cons
- Strong 16 Reward Points per ₹200 base earn rate
- Higher 24 Reward Points per ₹200 on international spending
- Excellent lounge proposition with unlimited international access
- ₹10,000 Oberoi welcome voucher offers substantial upfront value
- Strong monthly dining and movie discounts
- Premium golf, concierge and airport Meet & Greet benefits
- ₹1 crore accidental air-death insurance cover
- Well suited to premium and frequent international travellers
- ₹1,00,000 monthly spend required for the 10,000-point milestone
- Accelerated reward rate is primarily focused on international transactions
- No first-EMI cashback benefit is listed for Lumina
- Domestic lounge access is still capped at 8 visits per quarter
- BookMyShow benefit is capped at ₹1,000 per month
- EazyDiner benefit is capped at ₹1,000 per month
- Many premium benefits are subject to individual programme terms and conditions
Who is this card for?
Frequent travelers and diners who can maximize lounge access and rewards.
Quick Links
Data last updated 11 Sept 2026
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