Bandhan Bank Sparks Credit Card
Bandhan Bank Sparks is an entry-level credit card offering rewards on everyday spending, domestic lounge access, and movie discounts.
Top Category Performance
Beginner & Zero Fee (85/100)
Joining Fee
Free
Annual Fee
₹499
Reward Rate (%)
0.25
1 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
15/35
Fee Value & ROI
24/25
Lounge & Perks
11/20
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 Sparks Credit Card Benefits
Bandhan Bank Sparks Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.25%
Earn rate
1
Points / ₹100
₹0.25
Per point
Bandhan Bank Sparks 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 Sparks Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- Fuel transactions
- Cash advances
- EMI conversions
- Rent payments
- Wallet loads
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Bandhan Bank Sparks Credit Card Eligibility
Employment type
Pros & Cons
- Nil joining fee keeps first-year ownership cost low
- ₹50,000 annual spend threshold for renewal-fee waiver is relatively achievable
- Rewards never expire
- Grocery and apparel get accelerated rewards
- Domestic lounge access adds travel value
- BookMyShow benefit is useful for regular moviegoers
- Low base reward rate of 2 points per ₹200
- Fuel surcharge waiver capped at ₹150 per statement cycle
- No international lounge access
- ₹499 renewal fee applies if ₹50,000 annual eligible spend is not achieved
- Cash withdrawals attract a high transaction charge
- EMI conversion carries a ₹99 processing fee
Who is this card for?
Entry-level users who spend on groceries, apparel, and movies and want basic travel benefits.
Quick Links
Data last updated 11 Sept 2026
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Calculate your exact earnings with Bandhan Bank Sparks 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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