Bandhan Bank Flare Credit Card vs Bandhan Bank Sparks Credit Card (2026)
Bandhan Bank Sparks Credit Card vs Bandhan Bank Flare Credit Card: which wins?
₹66,750ranking value a year at ₹3L a month, to Bandhan Bank Flare Credit Card
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 1.3% at ₹2,499/yr against 0.3% at nothing to join, then ₹499/yr.
Bandhan Bank Flare Credit Card out-earns Bandhan Bank Sparks Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| Bandhan Bank Flare Credit Card | Metric | Bandhan Bank Sparks Credit Card |
|---|---|---|
| #24 — wins this row | Our rank | #26 |
| ₹2,499/yr | Fee — joining · annual (+ GST) | ₹0 joining, then ₹499/yr — wins this row |
| ₹6,00,000 spend | Fee waiver | ₹50,000 spend |
| 1.99% + GST — well under Indias 3.5% norm — wins this row | Forex markup | 3.5% + GST |
| 2%/mo (24%/yr) for existing Bandhan customers, 3.5%/mo (42%/yr) for new-to-bank; cash advances 3.5%/mo | APR | 3.5%/mo (42%/yr) for both existing and new-to-bank customers; cash advances 3.5%/mo |
| 1.3% — wins this row | Headline earn rate | 0.3% |
| Bandhan Delight Points | Currency | Bandhan Delight Points |
| ₹0.25/pt | House value | ₹0.25/pt |
| Amazon Pay e-voucher worth ₹2,000 on ₹10,000 spend within 30 days of card issuance | Welcome benefit | 500 reward points on ₹5,000 spend within 30 days of card issuance |
| 0 of 793 | Lounge doors opened | 0 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Bandhan Bank Flare Credit Card and Bandhan Bank Sparks Credit Card are both open to a direct application. How people actually get each one is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Bandhan Bank Flare Credit Card out-earns Bandhan Bank Sparks Credit Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Bandhan Bank Flare Credit Card leads at all 20 steps, but not by the same amount: ₹5,839 at ₹0.25L a month, ₹81,750 at ₹5L — the gap fans out with spend, widest at ₹5L (₹81,750).
Bandhan Bank Flare Credit Card pays 12 annual spend milestones, the first at ₹75,000 a year, and Bandhan Bank Sparks Credit Card pays none; Bandhan Bank Sparks Credit Card costs nothing to get and ₹499 a year to keep.
Bandhan Bank Flare Credit Card draws above the line, Bandhan Bank Sparks Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Bandhan Bank Flare Credit Card | Bandhan Bank Sparks Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹6,814 | ₹975 | Bandhan Bank Flare Credit Card by ₹5,839 |
| ₹0.5L | ₹18,625 | ₹1,950 | Bandhan Bank Flare Credit Card by ₹16,675 |
| ₹0.75L | ₹27,938 | ₹2,925 | Bandhan Bank Flare Credit Card by ₹25,013 |
| ₹1L | ₹32,250 | ₹3,900 | Bandhan Bank Flare Credit Card by ₹28,350 |
| ₹1.25L | ₹36,563 | ₹4,875 | Bandhan Bank Flare Credit Card by ₹31,688 |
| ₹1.5L | ₹40,875 | ₹5,850 | Bandhan Bank Flare Credit Card by ₹35,025 |
| ₹1.75L | ₹45,188 | ₹6,825 | Bandhan Bank Flare Credit Card by ₹38,363 |
| ₹2L | ₹49,500 | ₹7,800 | Bandhan Bank Flare Credit Card by ₹41,700 |
| ₹2.25L | ₹53,813 | ₹8,775 | Bandhan Bank Flare Credit Card by ₹45,038 |
| ₹2.5L | ₹58,125 | ₹9,750 | Bandhan Bank Flare Credit Card by ₹48,375 |
| ₹2.75L | ₹62,438 | ₹10,725 | Bandhan Bank Flare Credit Card by ₹51,713 |
| ₹3L | ₹66,750 | ₹11,700 | Bandhan Bank Flare Credit Card by ₹55,050 |
| ₹3.25L | ₹71,063 | ₹12,675 | Bandhan Bank Flare Credit Card by ₹58,388 |
| ₹3.5L | ₹75,375 | ₹13,650 | Bandhan Bank Flare Credit Card by ₹61,725 |
| ₹3.75L | ₹79,688 | ₹14,625 | Bandhan Bank Flare Credit Card by ₹65,063 |
| ₹4L | ₹84,000 | ₹15,600 | Bandhan Bank Flare Credit Card by ₹68,400 |
| ₹4.25L | ₹88,313 | ₹16,575 | Bandhan Bank Flare Credit Card by ₹71,738 |
| ₹4.5L | ₹92,625 | ₹17,550 | Bandhan Bank Flare Credit Card by ₹75,075 |
| ₹4.75L | ₹96,938 | ₹18,525 | Bandhan Bank Flare Credit Card by ₹78,413 |
| ₹5L | ₹1,01,250 | ₹19,500 | Bandhan Bank Flare Credit Card by ₹81,750 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn Bandhan Delight Points, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Bandhan Bank Flare Credit Card · 3 more →
- Delight Points reach no airline and no hotel — ₹0.25 in the Delights catalogue is the ceiling
- Bandhan publishes no lounge network and no lounge list; 'select airports' is all the MITC says
- Rent and wallet loads do not count toward the ₹6,00,000 fee waiver, and rent carries a 1% fee capped at ₹250 a transaction
Bandhan Bank Sparks Credit Card · 3 more →
- 0.25% base earn — bottom-fifth on this board and beaten by a flat cashback card twice over; the accelerator only reaches 0.5%
- 3.5% foreign-currency markup and no international lounge access — this is a domestic card
- Delight Points reach no airline and no hotel — ₹0.25 in the Delights catalogue is the ceiling
The call
For the ₹1L/month spender, Bandhan Bank Flare Credit Card nets ₹32,250 against ₹3,900 — a ₹28,350 gap. At ₹5L/month, Bandhan Bank Flare Credit Card nets ₹1,01,250 against ₹19,500 — a ₹81,750 gap. Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
Our standing verdicts: Bandhan Bank Flare Credit Card — Keep; Bandhan Bank Sparks Credit Card — Downgrade. Bandhan Bank Flare Credit Card takes 6 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Bandhan Bank Flare Credit Card or Bandhan Bank Sparks Credit Card?
Bandhan Bank Flare Credit Card. Bandhan Bank Flare Credit Card takes 6 of the 7 rounds we can score. Bandhan Bank Flare Credit Card out-earns Bandhan Bank Sparks Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Bandhan Bank Flare Credit Card or Bandhan Bank Sparks Credit Card — which earns more at ₹3L a month?
At ₹3L a month, Bandhan Bank Flare Credit Card nets ₹66,750 against ₹11,700 — a ₹55,050 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Bandhan Bank Flare Credit Card or Bandhan Bank Sparks Credit Card?
Bandhan Bank Sparks Credit Card — ₹0 joining, then ₹499/yr against ₹2,499/yr. Bandhan Bank Flare Credit Card waives its fee at ₹6,00,000 of spend; Bandhan Bank Sparks Credit Card at ₹50,000 of spend.
Which gets you into more airport lounges, Bandhan Bank Flare Credit Card or Bandhan Bank Sparks Credit Card?
Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Bandhan Bank Flare Credit Card on 2026-08-16, Bandhan Bank Sparks Credit Card on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Bandhan Bank and Bandhan Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page and Value Chart — 10 reward points per ₹200, 20 per ₹200 on travel, 4 domestic and 1 international lounge visit a quarter, ₹2,000 Amazon Pay welcome voucher
- official MITC dated 13 Jul 2026 — Joining & Renewal Fee ₹2,499 each, waived on ₹6,00,000 of annual spend; 1.99% foreign-currency markup; 2% monthly interest for existing customers
- official FAQ — Delight Points redeem into merchandise, travel, gift vouchers and cashback against the card bill at Cards360, and carry no expiry period
- official Product page and Value Chart — 2 reward points per ₹200, 4 per ₹200 on grocery and apparel, 1 domestic lounge visit a quarter, 500-point welcome, no milestone