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Lifetime FreeLast updated: 19 September 2026
Free to apply via CardsGuruji · subject to issuer approval
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.
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
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free with no annual fee
No joining or processing charges
Rewards redeemable via BharatPe app
Cashback rates may be lower than premium cards
Limited lounge access or travel benefits
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Bandhan Bank Flare Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Bandhan Bank Flare Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Bandhan Bank Flare Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Bandhan Bank Flare Credit Card earns Cashback at a primary rate of Up to 5% cashback on select categories, 1% on other spends. Specifically, Rewards are credited as points redeemable via the BharatPe app for vouchers, products, or bill payments.. Spends in Shopping, Lifestyle categories provide the maximum valueback per transaction on this card.
A CIBIL credit score of 700 or above is strongly recommended for approval of Bandhan Bank Flare Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Bandhan Bank Flare Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Bandhan Bank Flare Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Bandhan Bank Flare Credit Card currently features a welcome offer: "Lifetime free card with no joining fee or annual fee". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free with no annual fee and No joining or processing charges. However, keep in mind that Cashback rates may be lower than premium cards and Limited lounge access or travel benefits. Overall, Bandhan Bank Flare Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle.
Bandhan Bank Flare Credit Card is focused on Shopping and Lifestyle valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Bandhan Bank Flare Credit Card directly through Bandhan Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
