Bandhan Bank Credit Cards: Rewards That Grow With You

Bandhan Bank, a microfinance-turned-universal lender, offers four tiered credit cards spanning entry-level shopping to premium travel and lifestyle rewards.

Bandhan Bank Sparks Credit Card

Affordable entry-level card with quarterly lounge access, movie discounts, and a low spend-based fee waiver.

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Bandhan Bank Ignite Credit Card

Mid-tier card earning 2X points on groceries and travel with quarterly lounge access.

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Bandhan Bank Flare Credit Card

Upper-mid card with 4 domestic and 1 international lounge visit every quarter, plus golf lessons.

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Bandhan Bank Lumina Credit Card

Premium travel card with unlimited international lounge access, golf privileges, and a 1% forex markup.

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Bandhan Bank Credit Cards Are the Newest Chapter in an Older Story

This isn't the first time the Bandhan Bank Credit Card saga has been reset. The bank made its first foray into the credit card segment in 2019 after partnering with Standard Chartered Bank. The collaboration resulted in three co-branded cards designed for mass market, affluent, and premium consumers. Later, by December 31, 2023, Standard Chartered deactivated the Bandhan Bank One Credit Card, Bandhan Bank Plus Credit Card, and Bandhan Bank Xclusive Credit Card. Three years later, Bandhan Bank has launched its own 4 credit cards in collaboration with Mastercard.

Even the latest credit card names carry a piece of Bandhan Bank’s identity. Inspired by the enduring flame in its logo, the new range includes the Bandhan Bank Sparks Credit Card, Bandhan Bank Ignite Credit Card, Bandhan Bank Flare Credit Card, and Bandhan Bank Lumina Credit Card. Each card is designed to fit your needs. Each credit card has different fees, reward rates, waiver targets, and travel value. Do not climb the range when a higher annual fee will not accrue benefits that you will actually need. The smart choice isn't the costliest card, but the one whose benefits outweigh its annual fees for your wallet.

Skip The Hidden Fees Other Banks Love

Most banks charge annual or renewal fees, which they obscure across virtually identical credit cards. Bandhan Bank's credit card range is absolutely honest regarding this. Its credit cards are low-cost and transparent, and the mid-tier cards offer real value that justifies their higher annual fee.

On the other hand, the premium cards only make sense if you're spending enough to recoup the investment. Check out the table below to see which cards best fit your wallet based on your spending habits. Also see the benefits they offer if you choose one.

Credit Cards	Best Fit	Joining and Renewal Fee	Core Rewards	Renewal waived on spending
Bandhan Bank Sparks Credit Card	Low annual spending	Nil joining fees and ₹499 renewal	2 Delight Points per ₹200; 4 on grocery and apparel	₹50,000
Bandhan Bank Ignite Credit Card	Grocery, travel and low-cost lounge access	Nil joining fees and ₹999 renewal	4 Delight Points per ₹200; 8 on grocery and travel	₹1 lakh
Bandhan Bank Flare Credit Card	Frequent travel	₹2,499 joining fees and renewal	10 Delight Points per ₹200; 20 on travel	₹6 lakh
Bandhan Bank Lumina Credit Card	Premium and international travel	₹9,999 joining fees and renewal	16 Delight Points per ₹200; 24 on international spending	₹12 lakh
Bandhan Bank Flash Credit Card	Existing Bandhan cardholders wanting a zero-fee digital RuPay companion	Nil joining fees and nil renewal	Not separately published	Not applicable

Apply Like a Fintech and Bank Like a Traditional Customer

Bandhan Bank's 2026 credit card launch has done something unusual. It has not forced you to choose between digital convenience and a real banking network. You can apply for a Bandhan Bank Credit Card through a fully digital journey without paperwork or a branch visit. But if you ever prefer face-to-face help, Bandhan Bank also has more than 6,400 banking outlets across 35 states and union territories.

That combination beats any other movie discount card or lounge offer. While traditional banks typically offer physical services, app-based card issuers can make onboarding easier. Bandhan Bank aims to offer both in one card relationship. With the release of the 2026 credit card range, Bandhan is primarily targeting your pain points. It intends to increase rewards in areas of higher consumer spending, such as groceries, travel, and international transactions. Running your actual monthly budget through a rewards point calculator makes it easy to see how those category-specific earnings stack up for you.

Bank Credit Card Application Doesn't Want Your Life Story

Currently, Bandhan Bank doesn't clearly state age, fixed salary, or CIBIL score requirements for its credit cards. For the online application, keep your mobile number and PAN handy. Before approving your application, Bandhan Bank may review your identity, income, employment, banking relationship, and overall credit profile. While the application process is 100% online, the final approval depends on Bandhan Bank's internal credit appraisals.

Frequently Asked Questions

Q1. Which Bandhan Bank Credit Card is best?

The best Bandhan Bank Credit Card is based on your spending habits. For instance, the Bandhan Bank Flare Credit Card is the best for travelers.

Q2. Can I apply for a Bandhan Bank Credit Card online?

Yes, you can apply for a Bandhan Bank credit Card online through the digital application route.

Q3. What are the Bandhan Bank Credit Card eligibility criteria?

Bandhan Bank does not currently publish universal income, age, or CIBIL cut-offs for any of the four cards. Approval depends on the bank’s assessment of your profile.

Q4. Does Bandhan Bank have a lifetime free credit card?

The Bandhan Bank Flash Credit Card has no joining or renewal fees. It is issued as a digital companion to eligible physical cardholders.

Q5. Do Bandhan Bank Credit Card reward points expire?

Bandhan Bank currently states that Delight Points have no expiry period. Unredeemed points are lost when the credit card account closes.