Bandhan Bank Flare Credit Card VS Bandhan Bank Ignite Credit Card VS Bandhan Bank Lumina Credit Card VS Bandhan Bank Sparks Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bandhan Bank Flare Credit Card
Bandhan Bank Ignite Credit Card
Bandhan Bank Lumina Credit Card
Bandhan Bank Sparks Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Never-expiring reward points ensure long-term value and flexibility for redemption.
Enjoy significant savings with 15% off dining and 25% off movie tickets monthly.
Complimentary domestic and international lounge access enhances travel comfort.
Benefit from a low foreign currency markup of just 1.99% on international spends.
Attractive welcome benefit of an Amazon Pay e-voucher worth ₹2,000.
Pros
Key benefits and features.
Enjoy never-expiring reward points, ensuring long-term value for all your spends.
Benefit from complimentary domestic and international lounge access each quarter.
Accelerated reward points on grocery and travel make everyday spending more rewarding.
No joining fee and nil add-on card fee reduce initial and ongoing costs.
Monthly dining discounts and fuel surcharge waiver add significant lifestyle benefits.
Pros
Key benefits and features.
Unlimited international lounge access and 8 domestic visits per quarter enhance travel.
Extremely low 1% foreign currency markup makes international spending highly economical.
Generous welcome benefit of a ₹10,000 Oberoi e-voucher on initial spend.
Never-expiring reward points with accelerated earnings on international transactions.
Comprehensive lifestyle perks including golf, dining, movies, and concierge services.
Pros
Key benefits and features.
No joining fee and a manageable renewal fee, easily waived with annual spending.
Enjoy never-expiring reward points on all eligible spends, offering long-term value.
Valuable welcome benefits include bonus points and cashback on your first EMI booking.
Receive complimentary domestic airport lounge access, enhancing your travel experience.
Benefit from regular movie discounts on BookMyShow, making entertainment more affordable.
Cons
Key drawbacks and limitations.
High monthly income requirement of ₹12 lakh makes the card inaccessible for many.
Renewal fee waiver requires a substantial annual spend of ₹6,00,000.
Interest rates can be high for new customers at 3.50% per month on retail purchases.
Cash advance charges are steep at 3.5% with a minimum of ₹500 plus taxes.
Over limit fee of 2.5% (minimum ₹500) can add unexpected costs.
Cons
Key drawbacks and limitations.
High foreign currency markup of 3.50% + taxes for international transactions.
Renewal fee of ₹999 + taxes, though waivable with annual spend.
Lounge access is limited to one domestic and one international per quarter.
Cash advance charges are relatively high at 3.5% (min ₹500 + taxes).
Cons
Key drawbacks and limitations.
High joining and renewal fees of ₹9,999 + taxes may be prohibitive for some users.
Annual spend of ₹12 Lakhs required to waive renewal fee is quite substantial.
High income requirement of >₹18 Lakhs limits accessibility to a niche segment.
The "Nil" late payment charges across all tiers seem unusual and require verification.
Cash advance charges, though "Nil" fee, incur a high 3.50% monthly interest rate.
Cons
Key drawbacks and limitations.
Limited lounge access, offering only one domestic visit per calendar quarter.
A high foreign currency mark-up of 3.50% + taxes makes international transactions costly.
Accelerated reward categories are not explicitly detailed, relying on implied value charts.