Bandhan Bank Lumina Credit Card vs Bandhan Bank Flare Credit Card (2026)
Bandhan Bank Flare Credit Card vs Bandhan Bank Lumina Credit Card: which wins?
₹1,04,880ranking value a year at ₹3L a month, to Bandhan Bank Lumina 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: 2.0% at ₹9,999/yr against 1.3% at ₹2,499/yr.
Bandhan Bank Flare Credit Card wins under ₹0.75L/month; Bandhan Bank Lumina Credit Card takes over above it.
Every metric, row by row — 10 compared
Head to head
| Bandhan Bank Lumina Credit Card | Metric | Bandhan Bank Flare Credit Card |
|---|---|---|
| #23 — wins this row | Our rank | #24 |
| ₹9,999/yr | Fee — joining · annual (+ GST) | ₹2,499/yr — wins this row |
| ₹12,00,000 spend | Fee waiver | ₹6,00,000 spend |
| 1% + GST — inside the cheapest handful on the board, though not the lowest (yes-private and yes-private-prime are 0.50%, hsbc-premier 0.99%); joint-lowest among the cards that sit AT 1% — wins this row | Forex markup | 1.99% + GST — well under Indias 3.5% norm |
| 1.5%/mo (18%/yr) for existing Bandhan customers, 3.5%/mo (42%/yr) for new-to-bank; cash advances 3.5%/mo | APR | 2%/mo (24%/yr) for existing Bandhan customers, 3.5%/mo (42%/yr) for new-to-bank; cash advances 3.5%/mo |
| 2.0% — wins this row | Headline earn rate | 1.3% |
| Bandhan Delight Points | Currency | Bandhan Delight Points |
| ₹0.25/pt | House value | ₹0.25/pt |
| ₹10,000 'Giftwrapped by Oberoi' e-voucher on ₹20,000 spend within 30 days of issuance and payment of the joining fee | Welcome benefit | Amazon Pay e-voucher worth ₹2,000 on ₹10,000 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 Lumina Credit Card and Bandhan Bank Flare 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 wins under ₹0.75L/month; Bandhan Bank Lumina Credit Card takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.75L a month: Bandhan Bank Flare Credit Card is ahead by ₹3,073 at ₹0.25L, Bandhan Bank Lumina Credit Card by ₹53,550 at ₹5L.
Bandhan Bank Lumina Credit Card draws above the line, Bandhan Bank Flare Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Bandhan Bank Lumina Credit Card | Bandhan Bank Flare Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹3,741 | ₹6,814 | Bandhan Bank Flare Credit Card by ₹3,073 |
| ₹0.5L | ₹17,481 | ₹18,625 | Bandhan Bank Flare Credit Card by ₹1,144 |
| ₹0.75L | ₹31,221 | ₹27,938 | Bandhan Bank Lumina Credit Card by ₹3,283 |
| ₹1L | ₹54,960 | ₹32,250 | Bandhan Bank Lumina Credit Card by ₹22,710 |
| ₹1.25L | ₹61,200 | ₹36,563 | Bandhan Bank Lumina Credit Card by ₹24,637 |
| ₹1.5L | ₹67,440 | ₹40,875 | Bandhan Bank Lumina Credit Card by ₹26,565 |
| ₹1.75L | ₹73,680 | ₹45,188 | Bandhan Bank Lumina Credit Card by ₹28,492 |
| ₹2L | ₹79,920 | ₹49,500 | Bandhan Bank Lumina Credit Card by ₹30,420 |
| ₹2.25L | ₹86,160 | ₹53,813 | Bandhan Bank Lumina Credit Card by ₹32,347 |
| ₹2.5L | ₹92,400 | ₹58,125 | Bandhan Bank Lumina Credit Card by ₹34,275 |
| ₹2.75L | ₹98,640 | ₹62,438 | Bandhan Bank Lumina Credit Card by ₹36,202 |
| ₹3L | ₹1,04,880 | ₹66,750 | Bandhan Bank Lumina Credit Card by ₹38,130 |
| ₹3.25L | ₹1,11,120 | ₹71,063 | Bandhan Bank Lumina Credit Card by ₹40,057 |
| ₹3.5L | ₹1,17,360 | ₹75,375 | Bandhan Bank Lumina Credit Card by ₹41,985 |
| ₹3.75L | ₹1,23,600 | ₹79,688 | Bandhan Bank Lumina Credit Card by ₹43,912 |
| ₹4L | ₹1,29,840 | ₹84,000 | Bandhan Bank Lumina Credit Card by ₹45,840 |
| ₹4.25L | ₹1,36,080 | ₹88,313 | Bandhan Bank Lumina Credit Card by ₹47,767 |
| ₹4.5L | ₹1,42,320 | ₹92,625 | Bandhan Bank Lumina Credit Card by ₹49,695 |
| ₹4.75L | ₹1,48,560 | ₹96,938 | Bandhan Bank Lumina Credit Card by ₹51,622 |
| ₹5L | ₹1,54,800 | ₹1,01,250 | Bandhan Bank Lumina Credit Card by ₹53,550 |
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 Lumina Credit Card · 3 more →
- Delight Points reach no airline and no hotel — ₹0.25 in the Delights catalogue is the ceiling, forever
- Bandhan publishes no lounge network and no lounge list; 'select airports' is all the MITC says
- The ₹9,999 renewal waives only at ₹12,00,000 of annual spend, and rent and wallet loads do not count toward it
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
The call
For the ₹1L/month spender, Bandhan Bank Lumina Credit Card nets ₹54,960 against ₹32,250 — a ₹22,710 gap. At ₹5L/month, Bandhan Bank Lumina Credit Card nets ₹1,54,800 against ₹1,01,250 — a ₹53,550 gap. Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
Our standing verdicts: Bandhan Bank Lumina Credit Card — Keep; Bandhan Bank Flare Credit Card — Keep. Bandhan Bank Lumina 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 Lumina Credit Card or Bandhan Bank Flare Credit Card?
Bandhan Bank Lumina Credit Card. Bandhan Bank Lumina Credit Card takes 6 of the 7 rounds we can score. Bandhan Bank Flare Credit Card wins under ₹0.75L/month; Bandhan Bank Lumina Credit Card takes over above it.
Bandhan Bank Lumina Credit Card or Bandhan Bank Flare Credit Card — which earns more at ₹3L a month?
At ₹3L a month, Bandhan Bank Lumina Credit Card nets ₹1,04,880 against ₹66,750 — a ₹38,130 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 Lumina Credit Card or Bandhan Bank Flare Credit Card?
Bandhan Bank Flare Credit Card — ₹2,499/yr against ₹9,999/yr. Bandhan Bank Lumina Credit Card waives its fee at ₹12,00,000 of spend; Bandhan Bank Flare Credit Card at ₹6,00,000 of spend.
Which gets you into more airport lounges, Bandhan Bank Lumina Credit Card or Bandhan Bank Flare Credit Card?
Lounge chasers get no tiebreak here: both open 0 of 793 tracked doors.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-08-16. 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 — 5 of them, each with the day we read it
- official Product page — 16 reward points per ₹200, 1.5X international, 1% forex markup, unlimited international and 8 domestic lounge visits a quarter, ₹10,000 Oberoi joining voucher
- official MITC dated 13 Jul 2026 — Joining & Renewal Fee ₹9,999 each, waived on ₹12,00,000 of annual spend; 1% foreign-currency markup; no cash advance fee; Nil late-payment fee
- official Cardholder's Agreement §13 — points redeem against a catalogue at a price the bank may vary by item, and the whole balance is forfeited on card closure
- official FAQ — Delights redeems into merchandise, travel, digital services, gift vouchers and cashback against the card bill at Cards360; points carry no expiry period
- 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