Bandhan Bank Sparks Credit Card
Bandhan Bank · Open to apply
Bandhan Bank's entry card: no joining fee and a ₹499 annual fee waived on ₹50,000 of spend. It earns 2 Delight Points per ₹200 (worth about 0.25% at Bandhan's own valuation of ₹0.25 a point), and 4 per ₹200 on grocery and apparel up to 400 points a month, with one domestic lounge visit a quarter and a monthly BookMyShow discount.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 2 Delight Points per ₹200: 2 Delight Points per ₹200 (about 0.25% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 4 Delight Points per ₹200 on grocery and apparel, up to 400 points a month: 4 Delight Points per ₹200 (about 0.5% 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
- 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.
- Lottery and gambling MCCs (7800, 7801, 7802, 9754) and some network-only codes earn no points; our categories do not match them one for one.
- Points can be redeemed as cashback against the card's outstanding at Cards360, at a value Bandhan does not publish.
Sources
- Bandhan Bank Sparks 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)