The Bandhan Sparks Credit Card costs Rs 499 a year, waived if you spend Rs 50,000 in a year. Its base return is 0.25% (2 RP per Rs 200). Accelerated earn: Business Today reports accelerated rewards on grocery and apparel; rate not found. The forex markup is 3.5%. Lounge visits in India: 1 per calendar quarter at select airports. Read from an aggregator, not the issuer on 11 Oct 2026.
BandhanSparksCard design not shown
Annual fee
Rs 499+ GST
Fee waived at
Rs 50,000annual spend
Base return
0.25%
Forex markup
3.5%
Interest
3.5%a month
Fees
Joining feeunverified
Free
Annual feeunverified
Rs 499
Annual spend that waives the feeunverified
Rs 50,000
Fee notes
Joining fee nil; annual Rs 499 + GST waived on Rs 50,000 spend in an anniversary year (CardInsider).
Rewards
Welcome benefitunverified
500 reward points on Rs 5,000 spend within 30 days of issuance (CardInsider).
Reward currency
Reward Points
Base earnunverified
2 RP per Rs 200
Base returnunverified
0.25%
Point valueunverified
1 RP = Rs 0.25 (CardInsider); redeemed on Bandhan Bank Delights platform
Accelerated earnunverified
Business Today reports accelerated rewards on grocery and apparel; rate not found.
Reward notes
base_return_pct = 2 RP / Rs 200 x Rs 0.25. Point value is an aggregator figure; Paisabazaar says the redemption rate is unclear for this card family.
Travel and perks
Domestic loungeunverified
1 per calendar quarter at select airports
International loungeunverified
None
Lounge conditionsunverified
No spend condition stated by aggregators.
Forex markupunverified
3.5%
Fuel surcharge waiverunverified
1% waiver, cap Rs 150 per statement cycle
Other freebiesunverified
BookMyShow 20% off up to Rs 100 once a month; 10% cashback up to Rs 500 on first EMI (min 12-month tenure).
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: existing Bandhan Bank customer (savings/current/FD/loan), age 21-65, resident, annual income Rs 2.5 lakh+.
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. Late fee slab is taken from the Ignite page and assumed common.
Questions
What is the annual fee of the Bandhan Sparks Credit Card?
Rs 499 a year, before GST. It is waived if you spend Rs 50,000 in a year.
Does the Bandhan Sparks Credit Card give airport lounge access?
Yes. In India: 1 per calendar quarter at select airports. Outside India: none listed. Conditions: No spend condition stated by aggregators.
What is the forex markup on the Bandhan Sparks Credit Card?
3.5% of each foreign-currency transaction, before GST.