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Bandhan BankBandhan Bank

Bandhan Bank Sparks Credit Card

LifestyleFuelShopping
Welcome offerNo joining fee; annual fee of ₹499 + GST waived on annual spends of ₹50,000
Annual fee
₹ 499
Reward rate
1 point per ₹100 spent
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

Bandhan Bank Sparks Credit Card
VisaMastercard
Rewards

How the rewards work

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

You earn

1 point per ₹100 spent

Reward points never expire. Redeemable from an extensive rewards catalogue including gift vouchers and statement credits.

Reward currency
Reward Points
Card network
Visa · Mastercard
Perks

What you get with this card

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

  • 1% fuel surcharge waiver

  • BookMyShow movie ticket discounts

  • No joining fee

  • Low annual fee waived on spend

Our verdict

Pros & cons

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

What we like

  • Low annual fee (waived on spend)

  • Reward points never expire

  • Fuel surcharge waiver

What to watch out for

  • Base reward rate is low (1 pt/₹100)

  • No complimentary lounge access on base card

Costs

Fees & charges

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

Annual fee
₹499Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
₹500 or 3.5% of transaction value, whichever is higher
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

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Bandhan Bank before you apply.

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 Sparks Credit Card

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

The joining fee for Bandhan Bank Sparks Credit Card is nominal, and the annual renewal fee is ₹499 + GST. 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 Sparks 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 Sparks Credit Card is designed to reward everyday spends. It currently features: "No joining fee; annual fee of ₹499 + GST waived on annual spends of ₹50,000". 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 Sparks 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 Sparks 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.