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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.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
points
Base reward rate
2%
Card network
RuPay
Card tier
Super-premium
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: 25% discount up to ₹1,000/month each on BookMyShow and EazyDiner
- Rewards rate: 2% base rate
- Travel: Concierge service for travel, dining and gift deliveries; 4 complimentary airport meet & greet services per year
- Domestic lounge access: 8 complimentary domestic lounge visits per quarter
- International lounge access: Unlimited complimentary international lounge access at select airports
- Golf: 4 complimentary golf games and 4 golf lessons per year
- Insurance benefits: Complimentary ₹1 crore accidental air death insurance cover (ICICI Lombard)
Benefits by category
- 🍽️ Dining & food delivery
Concierge service for travel, dining and gift deliveries
- ✈️ Travel
8 complimentary domestic lounge visits/quarter plus unlimited international lounge access at select airports
- 🛡️ Insurance
Complimentary ₹1 crore accidental air death insurance cover (ICICI Lombard)
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹1,000/cycle
- 🌍 Forex / international spend
1% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹12,00,000
- Foreign currency markup: 1%
- Interest rate: 18%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹1,000/cycle
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
Best for