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Bandhan Bank Sparks Credit Card
Bandhan Bank's entry-level credit card for existing bank customers, offering a no-joining-fee introduction to credit with basic lounge access and grocery-accelerated rewards.
Rates and fees last verified 19 July 2026.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum monthly income: ₹20,833
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1 complimentary domestic lounge access per quarter at select airports
- 500 bonus reward points on ₹5,000 spend within 30 days
- 1% fuel surcharge waiver on ₹500–₹2,500 transactions, capped at ₹150/cycle
- 20% discount up to ₹100/month on BookMyShow movie tickets
- 10% cashback up to ₹500 on first EMI conversion; accelerated points on grocery & apparel
Pros
- + No joining fee and a low ₹499 annual fee
- + Accelerated rewards on grocery and apparel spends plus EMI cashback
Cons
- − Only 1 domestic lounge visit per quarter and no international access
- − Available only to existing Bandhan Bank customers
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.