Bandhan Bank Flare Credit Card
₹26,300 a year, after fees
₹2,499 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1.3%–2.5%
Bandhan Bank credit cards: 5 you can apply for
The best one for most people is Bandhan Bank Flare Credit Card.
₹26,300a year after fees, at ₹75,000 a month
It pays back the most of the 4 Bandhan Bank cards open to apply that we can value.
Points and where they go
Bandhan Bank's main points currency is Bandhan Delight Points, worth ₹0.25 a point; it does not transfer to an airline or hotel.
| Programme | Worth a point | Cards | Partners |
|---|---|---|---|
| Bandhan Delight Points | ₹0.25 | 4 | none |
Values are what we think a point is worth in India.
Recent changes
- Bandhan puts its four credit cards in front of the market, on Mastercard Better for you · Launch · Bandhan Bank
All 5 Bandhan Bank cards
Fees run ₹0 to ₹9,999, and 1 of them is genuinely free for life. We cannot value 1 of them: Bandhan Bank publishes no earn table for that card, so it is listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 4 keep, 1 downgrade, 0 cancel.
Open to apply 5
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Bandhan Bank Flare Credit Card
₹26,300 a year, after fees
₹2,499 fee · Lounges in India and abroad · 1.99% forex markup · Reward rate 1.3%–2.5%
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Bandhan Bank Ignite Credit Card
₹8,100 a year, after fees
₹0 joining + ₹999/yr · Lounges in India and abroad · Reward rate 0.5%–1%
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Bandhan Bank Lumina Credit Card
₹8,000 a year, after fees
₹9,999 fee · Lounges in India and abroad · 1% forex markup · Reward rate 2%–3%
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Bandhan Bank Sparks Credit Card
₹2,300 a year, after fees
₹0 joining + ₹499/yr · Lounges in India · Reward rate 0.3%–0.5%
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Standard charges
The charges Bandhan Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.
| Charge | What the bank says | Our read | Cards |
|---|---|---|---|
| Late payment fee | Nil below ₹100; ₹100 (₹100–500); ₹500 (₹501–5,000); ₹750 (₹5,001–10,000); ₹1,100 (₹10,001 and above) | 4 of 5 | |
| Cash withdrawal fee | 3.5% of the withdrawal, min ₹500 | 3 of 5 | |
| Add-on card fee | Nil — "There is no joining and annual fee for Add-on Cards" | Free | 4 of 5 |
| Over-limit fee | 2.5% of the overlimit amount, min ₹500 | 3 of 5 | |
| Reward redemption fee | Nil | Free | 5 of 5 |
Cards counts the Bandhan Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.
Bandhan Bank in RBI's figures
- Cards in force
- 27,396
- 0.0% of India's cards
- Spent in August 2026
- ₹21 crore
- 30% of it online
- Spend per card
- ₹7,539
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The Bandhan Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.