Bandhan Bank Sparks Credit Card
Bandhan Bank
Bandhan Bank Ignite Credit Card
Bandhan Bank
Bandhan Bank Flare Credit Card
Bandhan Bank
- CardCheck Score
- 62
- 63
- 72Best
- Rating Verdict
- Good
- Good
- Very Good
- Reward Power (35%)
- 15/35
- 20/35
- 24/35
- Fee Value & ROI (25%)
- 24/25
- 20/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
- 12/20
- Bank
- Bandhan Bank
- Bandhan Bank
- Bandhan Bank
- Network
- Mastercard
- Mastercard
- Mastercard
- Card type
- Regular
- Regular
- Premium
- Best for
- Everyday shopping with accelerated rewards on grocery and apparel
- Dining, grocery, and travel rewards with lounge access
- Travel and dining rewards
- Joining fee
- FreeBest
- FreeBest
- ₹2,499
- Annual fee
- ₹499Best
- ₹999
- ₹2,499
- Fee waiver
- ₹50,000Best
- ₹1,00,000
- ₹6,00,000
- APR (min)
- 42%
- 42%
- 24%Best
- APR (max)
- 42%
- 42%
- 42%
- Late payment fee
- ₹1,100
- ₹1,100
- ₹1,100
- Cash advance fee
- 3.5%
- 3.5%
- 3.5%
- Reward type
- points
- points
- points
- Min rate
- 0.25%
- 0.5%
- 1.25%Best
- Max rate
- 0.25%
- 1%
- 2.5%Best
- Points / ₹100
- 1
- 2
- 5Best
- Point value
- ₹0.25
- ₹0.25
- ₹0.25
- Domestic lounge / qtr
- 1
- 1
- 4Best
- Lounge spend criteria
- No spend condition
- No spend condition
- No spend condition
- Intl lounge / year
- 0
- 4Best
- 4Best
- Priority Pass
- DreamFolks
- Forex markup
- 3.5%
- 3.5%
- 1.99%Best
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 62 | 63 | 72Best |
| Rating Verdict | Good | Good | Very Good |
| Reward Power (35%) | 15/35 | 20/35 | 24/35 |
| Fee Value & ROI (25%) | 24/25 | 20/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | Bandhan Bank | Bandhan Bank | Bandhan Bank |
| Network | Mastercard | Mastercard | Mastercard |
| Card type | Regular | Regular | Premium |
| Best for | Everyday shopping with accelerated rewards on grocery and apparel | Dining, grocery, and travel rewards with lounge access | Travel and dining rewards |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | FreeBest | ₹2,499 |
| Annual fee | ₹499Best | ₹999 | ₹2,499 |
| Fee waiver | ₹50,000Best | ₹1,00,000 | ₹6,00,000 |
04—Interest Differences highlighted | |||
| APR (min) | 42% | 42% | 24%Best |
| APR (max) | 42% | 42% | 42% |
| Late payment fee | ₹1,100 | ₹1,100 | ₹1,100 |
| Cash advance fee | 3.5% | 3.5% | 3.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | points | points |
| Min rate | 0.25% | 0.5% | 1.25%Best |
| Max rate | 0.25% | 1% | 2.5%Best |
| Points / ₹100 | 1 | 2 | 5Best |
| Point value | ₹0.25 | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | 1 | 1 | 4Best |
| Lounge spend criteria | No spend condition | No spend condition | No spend condition |
| Intl lounge / year | 0 | 4Best | 4Best |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 3.5% | 3.5% | 1.99%Best |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 03of 11 | 01of 11 | 07of 11 |
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Frequently Asked Questions: Bandhan Bank Sparks Credit Card vs Bandhan Bank Ignite Credit Card
Which is better: Bandhan Bank Sparks Credit Card or Bandhan Bank Ignite Credit Card?
Bandhan Bank Ignite Credit Card holds a higher overall rating with a CardCheck Score of 63/100 (Good) compared to 62/100 (Good) for Bandhan Bank Sparks Credit Card (a lead of +1 points). Bandhan Bank Ignite Credit Card provides better net value across rewards and fee structures.
How do annual fees and fee waiver spend rules compare?
Bandhan Bank Sparks Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, Bandhan Bank Ignite Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1 Lakh.
How do the reward rates and cashback compare between Bandhan Bank Sparks Credit Card and Bandhan Bank Ignite Credit Card?
Bandhan Bank Sparks Credit Card offers a base reward rate of 0.25% and up to 0.25% on accelerated partner categories. Meanwhile, Bandhan Bank Ignite Credit Card offers a base rate of 0.5% and up to 1% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Bandhan Bank Sparks Credit Card or Bandhan Bank Ignite Credit Card?
Bandhan Bank Sparks Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, Bandhan Bank Ignite Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) and 4 international lounge visits/year.
Which card is better for international foreign currency spends?
Bandhan Bank Sparks Credit Card levies a foreign currency markup fee of 3.5%, while Bandhan Bank Ignite Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).