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Bandhan Bank Sparks Credit Card
Bandhan Bank

Bandhan Bank Sparks Credit Card

Checked against Bandhan Bank's 2 documents for this card on 03 Nov 2026
COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 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

₹0

Annual fee

₹499 + GST

₹499 + taxes (Waiver condition - minimum annual spend of ₹50,000)

What it gives back

2 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

₹499 annual fee: of the 447 other open cards whose annual fee we have read, 159 state a lower one, 48 state the same and 240 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Renewal fee

    ₹499 + GST₹499 + taxes (Waiver condition - minimum annual spend of ₹50,000)

  • Joining fee

    ₹0

  • Fee waiver rule

    Renewal fee waiver condition - minimum annual spend of ₹50,000

  • Add-on card fee

    Add-on card fee Nil

Welcome offer

  • Welcome benefit

    500 bonus reward points on spending ₹5,000 within 30 days of card issuance

Rewards

  • Reward rate

    2 reward points per ₹200 · everyday spends2 reward points on every ₹200 on all eligible spends.

  • 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

    1 complimentary Domestic Airport Lounge access in a calendar quarter at select airports.

  • Movie or entertainment ticket benefit

    20% discount on BookMyShow, up to ₹100 once every month

Also included

  • Fuel surcharge waiver

    Fuel Surcharge Waiver: 1% waiver up to ₹150 per statement cycle

  • Purchase to EMI conversion

    10% cashback up to ₹500 on the first EMI booking with a minimum tenure of 12 months (applicable once)

Charges

  • Forex markup

    3.5% + GST

  • Cash advance fee

    3.5% (Min of ₹500 + taxes)

  • Interest on unpaid balance

    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: ₹100; ₹501-₹5,000: ₹500; ₹5001-₹10,000: ₹750; ₹10,001 and above: ₹1,100 (by unpaid outstanding from last statement balance); GST applies

  • Over-limit fee

    2.5% of over limit (min of ₹500 + taxes)

  • Statement or duplicate statement feeFee for paying the bill by chequeReward redemption fee

    Nil

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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₹499 a year

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