Bandhan Bank Ignite Credit Card

Bandhan Bank · Open to apply

Bandhan Bank's second card: no joining fee and a ₹999 annual fee waived on ₹1 lakh of spend. It earns 4 Delight Points per ₹200 (about 0.5% at Bandhan's valuation of ₹0.25 a point), 8 per ₹200 on grocery and travel up to 800 points a month, and 1,200 bonus points in any calendar month with ₹30,000 of spend, with one domestic and one international lounge visit a quarter.

Annual fee
₹999 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
4 Delight Points per ₹200: 4 Delight Points per ₹200 (about 0.5% at cash value)
Lounges
Domestic: 1 visit a calendar quarter; International: 1 visit a calendar quarter
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 8 Delight Points per ₹200 on grocery and travel, up to 800 points a month: 8 Delight Points per ₹200 (about 1% 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

  • The value chart lists an activation benefit of reward points worth ₹250, but neither the product page nor the guide says how many points or what spend earns them, so no welcome benefit is entered.
  • The 10% cashback (up to ₹500) on the first EMI of 12 months or more is a one-time benefit that needs an EMI conversion; not counted.
  • The milestone excludes taxis, local commuter transport, bus lines and housekeeping, which our categories do not separate; lottery and gambling MCCs earn no points and are not matched one for one either.
  • Points can be redeemed as cashback against the card's outstanding at Cards360, at a value Bandhan does not publish.

Sources

Compare this card · Find the best card for your spending