Bandhan Bank Lumina Credit Card vs Bandhan Bank Sparks Credit Card
Bandhan Bank · Bandhan Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Bandhan BankScoreExcellent
Annual Fee₹9,999
Max Reward3%
Bandhan BankScoreGood
Annual Fee₹499
Max Reward0.25%
Bandhan Bank Lumina Credit Card leads overall with a CardCheck Score of 84/100 (+22 pts over Bandhan Bank Sparks Credit Card).
4-Pillar Head-to-Head Breakdown
Bandhan vs BandhanReward Power
35%Bandhan34/35
Bandhan15/35
Bandhan Wins
Fee Value & ROI
25%Bandhan18/25
Bandhan24/25
Bandhan Wins
Lounge & Travel
20%Bandhan18/20
Bandhan11/20
Bandhan Wins
Forex & Access
20%Bandhan14/20
Bandhan12/20
Bandhan Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 84Best
- 62
- Rating Verdict
- Excellent
- Good
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 24/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Bandhan Bank
- Bandhan Bank
- Network
- Mastercard
- Mastercard
- Card type
- Premium
- Regular
- Best for
- Travel and dining rewards
- Everyday shopping with accelerated rewards on grocery and apparel
03—Fees
- Joining fee
- ₹9,999
- FreeBest
- Annual fee
- ₹9,999
- ₹499Best
- Fee waiver
- ₹12,00,000
- ₹50,000Best
04—Interest
- APR (min)
- 18%Best
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- FreeBest
- ₹1,100
- Cash advance fee
- 0%Best
- 3.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 2%Best
- 0.25%
- Max rate
- 3%Best
- 0.25%
- Points / ₹100
- 8Best
- 1
- Point value
- —
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 8Best
- 1
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹1,50,000
- ₹20,833
- Invite only
Rows won
09of 12
03of 12
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 84Best | 62 |
| Rating Verdict | Excellent | Good |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 24/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Bandhan Bank | Bandhan Bank |
| Network | Mastercard | Mastercard |
| Card type | Premium | Regular |
| Best for | Travel and dining rewards | Everyday shopping with accelerated rewards on grocery and apparel |
03—Fees Differences highlighted | ||
| Joining fee | ₹9,999 | FreeBest |
| Annual fee | ₹9,999 | ₹499Best |
| Fee waiver | ₹12,00,000 | ₹50,000Best |
04—Interest Differences highlighted | ||
| APR (min) | 18%Best | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | FreeBest | ₹1,100 |
| Cash advance fee | 0%Best | 3.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 2%Best | 0.25% |
| Max rate | 3%Best | 0.25% |
| Points / ₹100 | 8Best | 1 |
| Point value | — | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 8Best | 1 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹1,50,000 | ₹20,833 |
| Invite only | ||
| Rows won | 09of 12 | 03of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Bandhan Bank Lumina Credit Card | Bandhan Bank Sparks Credit Card |
|---|---|---|
| CardCheck Score | 84/100Excellent | 62/100Good |
| Annual Fee | ₹9,999 | ₹499 |
| Fee Waiver Spend | ₹12L/yr | ₹50,000/yr |
| Max Reward Potential | 3% | 0.25% |
| Domestic Lounge Access | 8 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 1% | 3.5% |
Choose Bandhan Bank Lumina Credit Card if:
Your spending centers around travel and dining rewards and you want direct partner rewards with Bandhan Bank.
Choose Bandhan Bank Sparks Credit Card if:
Your spending aligns with everyday shopping with accelerated rewards on grocery and apparel and you prioritize Bandhan Bank's redemption benefits.
Popular Comparisons for Bandhan Bank Lumina Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Bandhan Bank Sparks Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Bandhan Bank Lumina Credit Card vs Bandhan Bank Sparks Credit Card
- Which is better: Bandhan Bank Lumina Credit Card or Bandhan Bank Sparks Credit Card?
- Bandhan Bank Lumina Credit Card holds a higher overall rating with a CardCheck Score of 84/100 (Excellent) compared to 62/100 (Good) for Bandhan Bank Sparks Credit Card (a lead of +22 points). Bandhan Bank Lumina Credit Card gains its scoring lead primarily through reward potential (34 vs 15) and lounge & travel privileges (18 vs 11).
- How do annual fees and fee waiver spend rules compare?
- Bandhan Bank Lumina Credit Card charges an annual fee of ₹9,999 with an annual spend threshold of ₹12 Lakh for renewal fee waiver. In comparison, Bandhan Bank Sparks Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹50,000.
- How do the reward rates and cashback compare between Bandhan Bank Lumina Credit Card and Bandhan Bank Sparks Credit Card?
- Bandhan Bank Lumina Credit Card offers a base reward rate of 2% and up to 3% on accelerated partner categories. Meanwhile, Bandhan Bank Sparks Credit Card offers a base rate of 0.25% and up to 0.25% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Bandhan Bank Lumina Credit Card or Bandhan Bank Sparks Credit Card?
- Bandhan Bank Lumina Credit Card provides 8 complimentary domestic lounge visits per quarter (32/year). On the other hand, Bandhan Bank Sparks Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- Bandhan Bank Lumina Credit Card levies a foreign currency markup fee of 1%, while Bandhan Bank Sparks 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).