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Bandhan Bank Visa Platinum credit card

Bandhan Bank

Bandhan Bank Visa Platinum Credit Card

Mid-tier Visa Platinum with rewards and fuel surcharge waiver

₹1,500/yr annual fee · 2x rewards

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Reviewed 26 September 2026

  • Best for

    • Mid-tier Visa user
    • Traveller

  • What we like

    • Domestic lounge access
    • Global Visa Platinum 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

2x

Min. income

₹4,00,000

Forex markup

3.5%

Lounge access

Domestic only

Eligibility

₹4 lakh/yr · CIBIL 700+

Reward cap

Not explicitly stated

Welcome benefit

₹1,000 voucher on annual spends ≥ ₹1,50,000; ₹2,000 voucher on ≥ ₹3,00,000.

Bandhan Bank Visa Platinum Credit Card review: mid-tier Visa Platinum with rewards on retail spend, fuel surcharge waiver, and milestone vouchers for first-time Bandhan Bank cardholders.

Who is this for

  • Mid-tier Visa user
  • Traveller

What we like

  • Domestic lounge access
  • Global Visa Platinum 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

Bank

Bandhan Bank

Private sector bank

All Bandhan Bank cards →

Headquarters

Kolkata, West Bengal

Established 2015

Toll-free

1800-258-8181

Website

www.bandhanbank.com

Network

Visa

See all cards on this network

Bandhan 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 2 Reward Points per ₹100 on retail spend; 1 Reward Point per ₹100 on utility & insurance Not explicitly stated Redeemable via Bandhan Bank rewards portal
DINING 2.00 — 0.25
SHOPPING 2.00 — 0.25

Benefits

  • Domestic Lounge Access Highlight

    2 complimentary domestic airport lounge visits per quarter.

  • Global Visa Platinum Acceptance

    Accepted at all Visa merchants worldwide.

  • 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; ₹2,000 voucher on ≥ ₹3,00,000.

Eligibility

Age
21–65 years
Min. income
₹4,00,000
Min. credit score
700+
Score note
Decent credit card required
Employment
Salaried, self-employed
Documents
PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed

Bandhan Bank Visa Platinum Credit Card is the mid-tier Visa Platinum tier. It targets mid-tier spenders with global acceptance and lounge access.

Fees and rewards

  • Joining fee: ₹1,500 (non-waiver)
  • Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
  • Rewards: 2 Reward Points per ₹100 on retail spend
  • Forex markup: 3.50%

Benefits

  • 2 domestic lounge visits per quarter
  • Global Visa Platinum acceptance
  • ₹1,000 milestone voucher on ₹1.5 lakh spend; ₹2,000 on ₹3 lakh
  • 1% fuel surcharge waiver

Eligibility

Minimum annual income ₹4,00,000 (salaried) / ITR-based for self-employed. Decent 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 Platinum Credit Card apply walkthrough →

Apply for Bandhan Bank Visa Platinum Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Bandhan Bank Visa Platinum Credit Card worth it?
Bandhan Bank Visa Platinum Credit Card is a credit card issued by Bandhan Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Bandhan Bank Visa Platinum Credit Card?
Bandhan Bank Visa Platinum Credit Card charges ₹1,500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Bandhan Bank Visa Platinum Credit Card reward rate work?
Bandhan Bank Visa Platinum Credit Card earns 2x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.

What are the eligibility requirements for the Bandhan Bank Visa Platinum Credit Card?
To qualify for Bandhan Bank Visa Platinum Credit Card, you typically need: minimum annual income ₹4,00,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Bandhan Bank Visa Platinum Credit Card offer airport lounge access?
2 complimentary domestic airport lounge visits per quarter.

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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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