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Bandhan BankBandhan BankLifetime Free

Bandhan Bank Flare Credit Card

ShoppingLifestyle
Welcome offerLifetime free card with no joining fee or annual fee
Annual fee
Lifetime Free
Reward rate
Up to 5% cashback on select categories, 1% on other spends
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

Bandhan Bank Flare Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

Up to 5% cashback on select categories, 1% on other spends

Rewards are credited as points redeemable via the BharatPe app for vouchers, products, or bill payments.

Reward currency
Cashback
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Lifetime free with no annual fee

  • Cashback rewards redeemable via BharatPe

  • No joining fee or processing charges

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Lifetime free with no annual fee

  • No joining or processing charges

  • Rewards redeemable via BharatPe app

What to watch out for

  • Cashback rates may be lower than premium cards

  • Limited lounge access or travel benefits

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Bandhan Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Bandhan Bank Flare Credit Card

Everything you need to know about Bandhan Bank Flare Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Bandhan Bank Flare Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Bandhan Bank Flare Credit Card from Bandhan Bank, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Bandhan Bank Flare Credit Card is designed to reward everyday spends. It currently features: "Lifetime free card with no joining fee or annual fee". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Bandhan Bank's rewards portal.

Bandhan Bank Flare Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Bandhan Bank Flare Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.