The Bandhan Flare Credit Card costs Rs 2,499 a year, waived if you spend Rs 6,00,000 in a year. Its base return is 1.25% (10 RP per Rs 200). The forex markup is 1.99%. Lounge visits in India: 4 per calendar quarter (16 a year). Abroad: 1 per calendar quarter. Read from an aggregator, not the issuer on 11 Oct 2026.
BandhanFlareCard design not shown
Annual fee
Rs 2,499+ GST
Fee waived at
Rs 6,00,000annual spend
Base return
1.25%
Forex markup
1.99%
Interest
3.5%a month
Fees
Joining feeunverified
Rs 2,499
Annual feeunverified
Rs 2,499
Annual spend that waives the feeunverified
Rs 6,00,000
Fee notes
Rs 2,499 + GST joining and annual; annual waived on Rs 6 lakh spend in the preceding year.
Rewards
Welcome benefitunverified
Aggregators disagree: Paisabazaar says Rs 2,000 Amazon Pay e-voucher on Rs 10,000 spend in 30 days; CardInsider says 5,000 bonus RP on the same spend. Business Today mentions an Amazon Pay voucher.
Reward currency
Reward Points
Base earnunverified
10 RP per Rs 200
Base returnunverified
1.25%
Point valueunverified
1 RP = Rs 0.25 (CardInsider); Paisabazaar says the redemption rate is not clear
Spends that earn nothingunverified
Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).
Points expiryunverified
No expiry (Paisabazaar)
Milestone benefitsunverified
5,000 bonus RP when monthly spend reaches Rs 75,000.
Reward notes
base_return_pct = 10 RP / Rs 200 x Rs 0.25, using CardInsider's point value.
Travel and perks
Domestic loungeunverified
4 per calendar quarter (16 a year)
International loungeunverified
1 per calendar quarter
Lounge conditionsunverified
Select airports; no spend condition stated.
Forex markupunverified
1.99%
Fuel surcharge waiverunverified
1% waiver, cap Rs 500 per statement cycle
Other freebiesunverified
EazyDiner 15% off up to Rs 750 monthly; BookMyShow 25% off up to Rs 500 monthly; 4 golf lessons a year (1 per quarter); 10% cashback up to Rs 750 on first EMI; lost card cover up to Rs 2 lakh.
Charges and eligibility
Interest per monthunverified
3.5%
Late payment feeunverified
Aggregator (Paisabazaar, Ignite page): nil below Rs 100; Rs 100 for Rs 100-500; Rs 500 for Rs 501-5,000; Rs 750 for Rs 5,001-10,000; Rs 1,100 above Rs 10,000
Cash advance feeunverified
3.5% or Rs 500, whichever is higher
Eligibilityunverified
Aggregator: resident, age 21-65, salaried, income Rs 12 lakh a year.
Fine-print notes
Bandhan Bank's own credit card site (creditcards.bandhan.bank.in) blocks automated reading and no Bandhan MITC could be read; every figure here is from aggregators (Paisabazaar, CardInsider) and Business Today's launch report (Sept 2026, Mastercard portfolio of four cards: Sparks, Ignite, Flare, Lumina). The earlier 'Bandhan Bank Standard Chartered' co-brand cards were issued by Standard Chartered, not Bandhan, and are excluded. Paisabazaar reports a lower finance charge for existing Bandhan CASA customers (shown as 2% a month / 18% a year, which is internally inconsistent) against 3.5% a month for new-to-bank.
Questions
What is the annual fee of the Bandhan Flare Credit Card?
Rs 2,499 a year, before GST. It is waived if you spend Rs 6,00,000 in a year.
Does the Bandhan Flare Credit Card give airport lounge access?
Yes. In India: 4 per calendar quarter (16 a year). Outside India: 1 per calendar quarter. Conditions: Select airports; no spend condition stated.
What is the forex markup on the Bandhan Flare Credit Card?
1.99% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bandhan Flare Credit Card?
Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).