Bandhan Bank
Bandhan Bank Visa Gold Credit Card
Mid-tier Visa Gold with rewards and milestone vouchers
₹1,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Mid-tier Visa user
- Traveller
-
What we like
- Domestic lounge access
- Global Visa Gold acceptance
- Mid-tier entry premium
-
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Smaller private-sector bank with limited network
Annual fee
₹1,500/yr
Reward rate
3x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,500 voucher on ≥ ₹3,00,000.
Bandhan Bank Visa Gold Credit Card review: mid-tier Visa Gold with rewards on retail and dining spend, fuel surcharge waiver, and milestone vouchers for mid-tier spenders.
Who is this for
- Mid-tier Visa user
- Traveller
What we like
- Domestic lounge access
- Global Visa Gold acceptance
- Mid-tier entry premium
Watch out for
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
- Smaller private-sector bank with limited network
Issuer
Headquarters
Kolkata, West Bengal
Established 2015
Toll-free
1800-258-8181Website
www.bandhanbank.comBandhan Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 Reward Points per ₹100 on retail spend; 2 Reward Points per ₹100 on dining; 1 Reward Point per ₹100 on utility & in… | Not explicitly stated | Redeemable via Bandhan Bank rewards portal |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 3.00 | — | 0.50 |
Benefits
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Domestic Lounge Access Highlight
2 complimentary domestic airport lounge visits per quarter.
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Global Visa Gold Acceptance
Accepted at all Visa merchants worldwide.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
-
Milestone Vouchers
₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,500 voucher on ≥ ₹3,00,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
Bandhan Bank Visa Gold Credit Card is the mid-tier Visa Gold tier. It targets mid-tier spenders with rewards on retail and lounge access.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 3 Reward Points per ₹100 on retail; 2 Reward Points per ₹100 on dining
- Forex markup: 3.50%
Benefits
- 2 domestic lounge visits per quarter
- Global Visa Gold acceptance
- ₹1,000 milestone voucher on ₹1.5 lakh spend; ₹2,500 on ₹3 lakh
- 1% fuel surcharge waiver
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the Bandhan Bank Visa Gold Credit Card apply walkthrough →
Apply for Bandhan Bank Visa Gold Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Bandhan Bank Visa Gold Credit Card worth it?
What is the annual fee for the Bandhan Bank Visa Gold Credit Card?
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Does the Bandhan Bank Visa Gold Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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