Bandhan Bank Credit Cards

Bandhan Bank Credit Cards - 2026 Overview

Bandhan Bank may be India's youngest universal bank, but its credit card portfolio is sharply positioned. Launched with four cards — Sparks, Ignite, Flare, and Lumina — Bandhan covers the entire spectrum from first-time credit users to premium travellers, all while staying true to its financial inclusion roots. Every card offers never-expiring rewards, no hidden charges, and advanced security for transactions.

Premium Cards Compared

Bandhan's top-tier cards compete directly with established private banks:

Portfolio Highlights

Lumina: Bandhan's flagship premium card for ₹18 lakh+ p.a. income — 8 domestic + unlimited international lounge access per quarter, 10 reward points per ₹200 on travel spends, concierge for travel/dining, and the highest annual value (₹79,100 approx. including dining, movie, and lounge benefits). At ₹9,999 + taxes, it is positioned against HDFC Infinia and Axis Burgundy.

Flare: The sweet spot for frequent travellers at ₹12 lakh+ p.a. — 4 domestic + 1 international lounge per quarter, 10 points per ₹200, dining (15% up to ₹750/month on EazyDiner) and movie (25% up to ₹500/month on BookMyShow) benefits, fuel surcharge waiver up to ₹500. At ₹2,499 + taxes with a ₹6 lakh spend waiver, it balances premium perks with attainable fees.

Ignite: Mid-tier value at ₹6 lakh+ p.a. — Nil joining fee, ₹999 renewal (waived on ₹1 lakh spend), 1 domestic + 1 international lounge per quarter, and accelerated rewards on everyday spends. Ideal for young professionals upgrading from entry cards.

Sparks: The inclusive entry card at just ₹2.5 lakh p.a. — Nil joining, ₹499 renewal (waived on ₹50,000), basic lounge access, and essential fuel/dining benefits. Designed for first-time credit users and those building their credit history.

Why Bandhan Bank Stands Out

• Inclusive eligibility: From ₹2.5 lakh (Sparks) to ₹18 lakh (Lumina), Bandhan is one of the few banks where a ₹2.5 lakh income can get a genuine credit card, not just a secured or FD-backed option.
• Never-expiring rewards: Unlike many banks where points expire in 2-3 years, Bandhan's rewards never expire — a significant long-term value for infrequent redeemers.
• Transparent pricing: No hidden charges is a core promise across all four cards, with clear fee waiver thresholds.
• Pan-India presence with eastern stronghold: Headquartered in Kolkata, Bandhan leverages its West Bengal and eastern India network while expanding nationally — useful for customers in underbanked regions.