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Bandhan Bank Lumina Credit Card
Bandhan Bank

Bandhan Bank Lumina Credit Card

Checked against Bandhan Bank's 2 documents for this card on 03 Nov 2026
COFFER Safety Stars4.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
1 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 13 of 13 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns reward points

First-year fee

₹9,999 + GST

Annual fee

₹9,999 + GST

₹9,999 + taxes (Waiver condition - Minimum annual spend of ₹12,00,000)

What it gives back

16 reward points per ₹200 · everyday spends

Read from 2 Bandhan Bank documents, last checked 7 Nov 2026.

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How it compares

Compared with the cards we have read

₹9,999 annual fee: of the 447 other open cards whose annual fee we have read, 423 state a lower one, 1 states the same and 23 state a higher one.

1% forex markup: of the 480 other open cards whose forex markup we have read, 47 state a lower one, 6 state the same and 427 state a higher one.

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Fees

  • Renewal feeJoining fee

    ₹9,999 + GST₹9,999 + taxes (Waiver condition - Minimum annual spend of ₹12,00,000)

  • Fee waiver rule

    Renewal fee waiver condition - Minimum annual spend of ₹12,00,000

  • Add-on card fee

    Add-on card fee Nil

Welcome offer

  • Welcome benefit

    Joining benefit: ₹10,000 Giftwrapped by Oberoi e-voucher on spending 20,000 within first 30 days of card issuance and payment of joining fee

Rewards

  • Reward rate

    16 reward points per ₹200 · everyday spends16 reward points on every ₹200.

  • Cashback redemption

    Bandhan Bank Credit Cards: redeem the points for cashback adjusted against your credit card’s outstanding bill at Cards360.

  • Point expiry

    Never-expiring rewards

Card benefits

  • Domestic lounge access

    8 Complimentary Domestic Lounge access per quarter at select airports.

  • International lounge access

    Unlimited complimentary International Airport Lounge access at select airports.

  • Hotel or travel programme

    4 complimentary Airport Meet & Greet Services.

  • Dining programme

    25% discount on EazyDiner, up to ₹1,000 once every month

  • Golf

    4 complimentary golf lessons & 4 games at leading courses across India & select courses across the world.

  • Concierge

    Exclusive concierge services for travel booking, dining reservations and gift deliveries

  • Milestone benefits

    Milestone rewards up to 10,000 bonus reward points every month on spends of ₹1 lakh

  • Movie or entertainment ticket benefit

    25% discount on BookMyShow, up to ₹1,000 once every month

Also included

  • Fuel surcharge waiver

    Fuel Surcharge Waiver: 1% waiver up to ₹1,000 per statement cycle

Charges

  • Forex markup

    1% on foreign currency transactions.

  • Cash advance feeStatement or duplicate statement feeFee for paying the bill by chequeReward redemption fee

    Nil

  • Interest on unpaid balance

    1.50% (for ETB customers holding CASA relationship) for NTB 3.50% (p.m)

  • Interest-free period

    17 to 47 days interest-free when you pay in full.

  • Late payment fee

    Less than ₹100: Nil; ₹100 - ₹500: Nil; ₹501 - ₹5,000: Nil; ₹5,001 - ₹10,000: Nil; ₹10,001 and above: Nil (by unpaid outstanding from last statement balance); GST applies

  • Over-limit fee

    ₹500 + taxes

Eligibility

  • Age the primary cardholder must be

    21 to 65 years

Ways to redeem your points

Points expiring? Use Expiry Rescue

How we know - 2 documents from Bandhan Bank, checked 7 Nov 2026

2 documents from Bandhan Bank, checked 7 Nov 2026.

  • Linked page on creditcards.bandhan.bank.inProof
  • Card pageProof
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₹9,999 a year

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