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.
Beginner & Zero Fee Fit Score
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 has no joining fee and an annual fee of ₹499, waived when you spend ₹50,000 or more in a year.
Bandhan Bank Sparks Credit Card Lounge Access
Airport perks included with this card
Bandhan Bank Sparks Credit Card offers 1 complimentary domestic airport lounge visit per quarter.
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 FAQs
What is the annual fee for Bandhan Bank Sparks Credit Card?
The annual fee for Bandhan Bank Sparks Credit Card is ₹499. The fee is waived on annual spend above ₹50,000.
What is the joining fee for Bandhan Bank Sparks Credit Card?
The one-time joining fee for Bandhan Bank Sparks Credit Card is nil (no joining fee).
What are the rewards and benefits of Bandhan Bank Sparks Credit Card?
Bandhan Bank Sparks Credit Card earns points rewards. Reward rate ranges from 0.25% to 0.25%. You earn 1 points per ₹100 spent.
What lounge access benefits does Bandhan Bank Sparks Credit Card provide?
Bandhan Bank Sparks Credit Card provides 1 domestic lounge visits per quarter.
What is the eligibility criteria for Bandhan Bank Sparks Credit Card?
To be eligible for Bandhan Bank Sparks Credit Card, you need a minimum monthly income of ₹20,833.
What welcome and milestone benefits does the Bandhan Bank Sparks Credit Card offer?
500 bonus Reward Points on spending ₹5,000 within 30 days of card issuance.
How do you earn rewards with the Bandhan Bank Sparks Credit Card?
Earn 2 Reward Points per ₹200 on eligible regular spends. Earn 4 Reward Points per ₹200 on grocery and apparel spends. 1 Reward Point = ₹0.25, giving a base reward rate of 0.25%. 10% cashback up to ₹500 on the first EMI booking with minimum 12-month tenure.
What are the exclusions and limits on the Bandhan Bank Sparks Credit Card?
The Bandhan Bank Sparks Credit Card does not earn rewards on fuel transactions, cash advances, EMI conversions, rent payments and wallet loads.
Is the Bandhan Bank Sparks Credit Card worth its annual fee?
The annual fee is ₹499, waived when you spend ₹50,000 or more in a year. At the 0.25% reward rate, rewards alone cover the fee at about ₹2,00,000 of yearly spend.
Bandhan Bank Sparks Credit Card Eligibility
To apply for Bandhan Bank Sparks Credit Card you need to be aged 21 to 65 and have a monthly income of at least ₹20,833.
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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