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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.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 20% discount up to ₹100/month on BookMyShow movie tickets
- Rewards rate: 0.5% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter at select airports
Benefits by category
- ✈️ Travel
1 complimentary domestic lounge access per quarter at select airports
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹2,500 transactions, capped at ₹150/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹20,833
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹500–₹2,500 transactions, capped at ₹150/cycle
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