Bandhan Bank Flare Credit Card
Bandhan Bank · Open to apply
Bandhan Bank's third card: ₹2,499 joining and annual fee, waived on ₹6 lakh of annual spend. It earns 10 Delight Points per ₹200 (about 1.25% at Bandhan's valuation of ₹0.25 a point), 20 per ₹200 on travel up to 2,500 points a month, 5,000 bonus points in a month with ₹75,000 of spend, four domestic and one international lounge visit a quarter, four golf lessons a year and a 1.99% forex markup.
- Annual fee
- ₹2,499 + GST a year
- Joining fee
- ₹2,499 + GST
- Fee waiver
- Annual fee waived on ₹6,00,000 spend per card year
- Base rate
- 10 Delight Points per ₹200: 10 Delight Points per ₹200 (about 1.25% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter; International: 1 visit a calendar quarter
- Forex markup
- 1.99%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20 Delight Points per ₹200 on travel, up to 2,500 points a month: 20 Delight Points per ₹200 (about 2.5% at cash value)
Earns nothing on
- No rewards on rent
- No rewards on fuel
- No rewards on government services and taxes
Terms the calculator does not value
- Bandhan does not list the merchant categories it treats as travel for the accelerated rate; flights, hotels and other travel (agencies, rail, cabs, buses) are assumed, as for Ignite.
- Points can be redeemed as cashback against the card's outstanding at Cards360, at a value Bandhan does not publish.
- The 10% first-EMI cashback (up to ₹750) is a one-time benefit that needs an EMI conversion; the golf lessons are not valued.
Sources
- Bandhan Bank Flare Credit Card page (with its Eligibility, Fees & Charges and Value Chart tabs) (Product page, the bank's own, read 6 Nov 2026)
- Bandhan Bank Credit Cards MITC, English (CC/MITC/OA/090726/03/V-01, file of 2026-08-19) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Bandhan Bank Credit Card Key Fact Statement (CC/KFS/OA/080426/02/V-01, file of 2026-04-30) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Bandhan Bank Credit Card Product Usage Guide with Terms & Conditions (file of 2026-08-14) (Reward terms, the bank's own, read 6 Nov 2026)
- Bandhan Bank Credit Card Excluded Merchant Category Codes (file of 2026-06-23) (Reward terms, the bank's own, read 6 Nov 2026)
- Bandhan Bank Credit Cards FAQ (FAQ, the bank's own, read 6 Nov 2026)
- Bandhan Bank enters credit card market with four-tier portfolio (The Hindu BusinessLine, 2026-09-07) (News, read 6 Nov 2026)
- Bandhan Bank launches Credit Cards; introduces four variants (press release as published by Passionate in Marketing, 2026-09-08) (Press release, read 6 Nov 2026)