The Bandhan Lumina Credit Card costs Rs 9,999 a year, waived if you spend Rs 12,00,000 in a year. Its base return is 2% (16 RP per Rs 200 (domestic)). Accelerated earn: 24 RP per Rs 200 on international spends. The forex markup is 1%. Lounge visits in India: 8 per calendar quarter at select airports. Abroad: Unlimited at select lounges. Read from an aggregator, not the issuer on 11 Oct 2026.
BandhanLuminaCard design not shown
Annual fee
Rs 9,999+ GST
Fee waived at
Rs 12,00,000annual spend
Base return
2%
Forex markup
1%
Interest
3.5%a month
Fees
Joining feeunverified
Rs 9,999
Annual feeunverified
Rs 9,999
Annual spend that waives the feeunverified
Rs 12,00,000
Fee notes
Rs 9,999 + GST joining and annual; annual waived on Rs 12 lakh spend in an anniversary year (CardInsider).
Rewards
Welcome benefitunverified
Rs 10,000 'Giftwrapped by Oberoi' e-voucher on Rs 20,000 spend within 30 days and payment of joining fee.
Reward currency
Reward Points
Base earnunverified
16 RP per Rs 200 (domestic)
Base returnunverified
2%
Point valueunverified
1 RP = Rs 0.25 (CardInsider); Paisabazaar says redemption value is unclear
Accelerated earnunverified
24 RP per Rs 200 on international spends
Capsunverified
Monthly milestone bonus capped at 10,000 RP; no other cap stated.
Spends that earn nothingunverified
Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).
Points expiryunverified
No expiry
Milestone benefitsunverified
10,000 bonus RP on Rs 1 lakh monthly spend.
Reward notes
base_return_pct = 16 RP / Rs 200 x Rs 0.25. International = 3% before 1% markup.
Travel and perks
Domestic loungeunverified
8 per calendar quarter at select airports
International loungeunverified
Unlimited at select lounges
Lounge conditionsunverified
No minimum spend stated by aggregators.
Forex markupunverified
1%
Fuel surcharge waiverunverified
1% waiver, cap Rs 1,000 per statement cycle
Other freebiesunverified
4 golf lessons and 4 games; 4 airport meet-and-greet; concierge; EazyDiner 25% off up to Rs 1,000 monthly; BookMyShow 25% off up to Rs 1,000 monthly; lost card cover up to Rs 5 lakh; Rs 1 crore air accident cover (Paisabazaar).
Charges and eligibility
Interest per monthunverified
3.5%
Late payment feeunverified
Paisabazaar lists nil for this card; not confirmed
Cash advance feeunverified
3.5% or Rs 500, whichever is higher (Paisabazaar); CardInsider lists nil
Eligibilityunverified
Aggregator: resident, age 21-65, salaried, income Rs 18 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 1.5% a month finance charge for existing Bandhan customers against 3.5% for new-to-bank.
Questions
What is the annual fee of the Bandhan Lumina Credit Card?
Rs 9,999 a year, before GST. It is waived if you spend Rs 12,00,000 in a year.
Does the Bandhan Lumina Credit Card give airport lounge access?
Yes. In India: 8 per calendar quarter at select airports. Outside India: Unlimited at select lounges. Conditions: No minimum spend stated by aggregators.
What is the forex markup on the Bandhan Lumina Credit Card?
1% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bandhan Lumina Credit Card?
Rent, wallet loads, fees and charges, fuel, government spends (Paisabazaar).