Bandhan Bank Lumina Credit Card
Bandhan Bank · Open to apply
Bandhan Bank's top card: ₹9,999 joining and annual fee, waived on ₹12 lakh of annual spend. It earns 16 Delight Points per ₹200 (about 2% at Bandhan's valuation of ₹0.25 a point), 24 per ₹200 on international spend up to 5,000 points a month, 10,000 bonus points in a month with ₹1 lakh of spend, eight domestic and unlimited international lounge visits, a ₹10,000 Oberoi voucher on joining, a 1% forex markup and no late payment fee.
- Annual fee
- ₹9,999 + GST a year
- Joining fee
- ₹9,999 + GST
- Fee waiver
- Annual fee waived on ₹12,00,000 spend per card year
- Base rate
- 16 Delight Points per ₹200: 16 Delight Points per ₹200 (about 2% at cash value)
- Lounges
- Domestic: 8 visits a calendar quarter; International: unlimited visits a calendar year
- Forex markup
- 1%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 24 Delight Points per ₹200 on international spends, up to 5,000 points a month: 24 Delight Points per ₹200 (about 3% at cash value)
Earns nothing on
- No rewards on rent
- No rewards on fuel
- No rewards on government services and taxes
Where the sources disagree
- fuel surcharge waiver cap: The MITC and KFS cap Lumina's fuel surcharge waiver at ₹500 a statement cycle (transactions ₹500 to ₹5,000); the product page's value chart assumes ₹1,000 a cycle. We use the MITC and KFS.
Terms the calculator does not value
- Points can be redeemed as cashback against the card's outstanding at Cards360, at a value Bandhan does not publish.
- The concierge, meet and greet, golf lessons and games are not valued.
Sources
- Bandhan Bank Lumina 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)