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Explore cards from India's leading banks.
Last updated: 29 October 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
1 point per ₹100 spent
Earn 5X Reward Points on grocery and apparel spends. Earn 2 Reward Points for every ₹200 spent on other eligible regular transactions (1 Reward Point = ₹0.25).
Redeem for
The privileges that come bundled in, beyond the reward points.
Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter at select airports
Movie Offers: 20% discount on BookMyShow, up to ₹100 once every month
Fuel Surcharge Waiver: 1% waiver on eligible fuel transactions, capped at ₹150 per statement cycle
Annual Fee Waiver: The renewal fee of ₹499 is waived upon reaching an annual spend of ₹50,000 in the preceding anniversary year
An honest read on where this card earns its keep — and where it doesn't.
Zero joining fee with a low, easily waivable ₹499 annual fee
Accelerated 5X rewards on everyday grocery and apparel spends
Includes complimentary domestic lounge access (4 visits per year)
Practical monthly discounts on BookMyShow
Very low base reward rate of 0.25% on general spending
BookMyShow discount is capped at a strict ₹100 per month
High foreign currency markup fee of 3.5%
Rent, fuel, and wallet loads do not earn any reward points
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 Sparks 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 Sparks Credit Card fees, reward conversion, lounge access, and application eligibility.
Bandhan Bank Sparks Credit Card has an annual fee of ₹499 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 "Earn 500 bonus Reward Points on spending ₹5,000 within 30 days of card issuance, plus get 10% cashback (up to ₹500) on your first EMI transaction.".
Bandhan Bank Sparks Credit Card earns Reward Points at a primary rate of 1 point per ₹100 spent. Specifically, Earn 5X Reward Points on grocery and apparel spends. Earn 2 Reward Points for every ₹200 spent on other eligible regular transactions (1 Reward Point = ₹0.25).. Spends in Lifestyle, Shopping categories provide the maximum valueback per transaction on this card.
Rewards earned on Bandhan Bank Sparks Credit Card can be redeemed for Bandhan Bank Rewards Catalog, Cashback against statement balance via Bandhan Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Bandhan Bank Sparks Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter at select airports". 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 700 or above is strongly recommended for approval of Bandhan Bank Sparks 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 Sparks Credit Card is issued on the Visa or Mastercard 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 Sparks Credit Card levies a forex markup fee of 3.5% of the transaction amount 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 Sparks Credit Card currently features a welcome offer: "Earn 500 bonus Reward Points on spending ₹5,000 within 30 days of card issuance, plus get 10% cashback (up to ₹500) on your first EMI transaction.". 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 Zero joining fee with a low and easily waivable ₹499 annual fee. However, keep in mind that Very low base reward rate of 0.25% on general spending and BookMyShow discount is capped at a strict ₹100 per month. Overall, Bandhan Bank Sparks Credit Card delivers strong value if your regular spending aligns with Lifestyle, Shopping.
Yes, Bandhan Bank Sparks Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver on eligible fuel transactions). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
