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Last 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
8 points per ₹100 on domestic spends, 12 points per ₹100 on international spends
Points never expire. 1 point = ₹1 value in reward catalogue. Annual fee waived on spends of ₹12 lakh per year.
The privileges that come bundled in, beyond the reward points.
Unlimited international lounge access
8 complimentary domestic lounge visits per year
1% forex markup
Reward points that never expire
An honest read on where this card earns its keep — and where it doesn't.
Unlimited international lounge access
High reward rate on international spends
Points never expire
High annual fee of ₹9,999
Requires high spend (₹12L) to waive fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
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.
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 Lumina 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 Lumina Credit Card fees, reward conversion, lounge access, and application eligibility.
Bandhan Bank Lumina Credit Card has an annual fee of ₹9,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome bonus points on activation (specific value varies by offer period)".
Bandhan Bank Lumina Credit Card earns Points at a primary rate of 8 points per ₹100 on domestic spends, 12 points per ₹100 on international spends. Specifically, Points never expire. 1 point = ₹1 value in reward catalogue. Annual fee waived on spends of ₹12 lakh per year.. Spends in Travel, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, Bandhan Bank Lumina Credit Card features complimentary airport lounge privileges. Privileges include: "Unlimited international lounge access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Bandhan Bank Lumina 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 Lumina 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 Lumina Credit Card levies a forex markup fee of 1% of transaction value 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 Lumina Credit Card currently features a welcome offer: "Welcome bonus points on activation (specific value varies by offer period)". 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 Unlimited international lounge access and High reward rate on international spends. However, keep in mind that High annual fee of ₹9,999 and Requires high spend (₹12L) to waive fee. Overall, Bandhan Bank Lumina Credit Card delivers strong value if your regular spending aligns with Travel, Lifestyle.
You can apply for Bandhan Bank Lumina 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.
