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Bandhan Bank Lumina Credit Card
Bandhan Bank's flagship super-premium card for high-income existing customers, combining unlimited international lounge access, low forex markup, and rare complimentary ₹1 crore air-accident insurance.
Rates and fees last verified 19 July 2026.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Super-premium
Eligibility
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 8 complimentary domestic lounge visits/quarter plus unlimited international lounge access at select airports
- ₹10,000 'Giftwrapped by Oberoi' e-voucher on ₹20,000 spend within 30 days
- 1% fuel surcharge waiver, capped at ₹1,000/cycle
- Complimentary ₹1 crore accidental air death insurance cover (ICICI Lombard)
- Concierge service for travel, dining and gift deliveries
- 4 complimentary airport meet & greet services per year
- 25% discount up to ₹1,000/month each on BookMyShow and EazyDiner
- 4 complimentary golf games and 4 golf lessons per year
- 10,000 bonus reward points on ₹1,00,000 monthly spend
- 16 points/₹200 on all spends, 1.5X (24 points/₹200) on international spends; rewards never expire
Pros
- + Unlimited international lounge access plus 8 domestic visits/quarter
- + Low 1% forex markup and ₹10,000 Oberoi welcome voucher
- + ₹1 crore complimentary air-accident insurance and golf privileges
Cons
- − High ₹9,999 joining/annual fee with a steep ₹12L annual spend to waive
- − Only open to existing Bandhan Bank customers with income above ₹18L/year
Applying takes you to Bandhan Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.