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Bandhan Bank Flare Credit Card
Bandhan Bank's travel-focused mid-tier card from its September 2026 launch, pairing a flat 1.25% reward rate with a competitive 1.99% forex markup and meaningful lounge access for frequent travellers.
Annual fee
₹2,499
Joining fee
₹2,499
Reward type
points
Base reward rate
1.25%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: BookMyShow and EazyDiner privileges
- Rewards rate: 1.25% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per quarter
- International lounge access: 1 complimentary international airport lounge visit per quarter
- Golf: Complimentary golf course access
Benefits by category
- ✈️ Travel
4 complimentary domestic and 1 international airport lounge visit per quarter
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Foreign currency markup: 1.99%
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹500 per statement cycle
Benefits
- 4 complimentary domestic and 1 international airport lounge visit per quarter
- Amazon Pay e-voucher as a welcome benefit on card activation
- BookMyShow and EazyDiner privileges plus golf course access
Pros
- + Flat 1.25% reward rate on all spends
- + Low 1.99% forex markup for a mid-tier card
- + 4 domestic + 1 international lounge visit per quarter
Cons
- − ₹2,499 joining and annual fee needs ₹6L annual spend to waive
- − Very new card launch (Sep 2026) with limited independent reviews