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.
Top Category Performance
Premium Privileges (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 Lounge Access
Airport perks included with this card
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 Eligibility
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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Calculate your exact earnings with Bandhan Bank Lumina Credit Card
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