Bandhan Bank
Bandhan Bank Lumina Credit Card
Best for premium lifestyle, unlimited privileges
₹4,999/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹4,999/yr
Reward rate
5x
Min. income
₹10,00,000
Forex markup
2%
Lounge access
Yes
Eligibility
₹10 lakh/yr · CIBIL 750+
Reward cap
₹3,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- Premium cardholder
- Frequent traveller
- Lifestyle spender
What we like
- 10x on travel and lifestyle
- Premium lounge access
- Lower 2% forex markup
Watch out for
- Rs 4,999 annual fee
- Rs 5 lakh spend waiver threshold
Issuer
Headquarters
Kolkata, West Bengal
Established 2015
Toll-free
1800-258-8181Website
www.bandhanbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹4,999 | Waived on Rs 5 lakh annual spend |
| Forex markup | 2% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 10.00 | ₹3,000/month | 0.30 |
| All spends | 5.00 | — | 0.25 |
Benefits
-
Premium lounge access Highlight
Higher number of domestic and international lounge visits per year
-
Concierge service Highlight
24x7 premium concierge
-
Low forex markup Highlight
2% foreign currency markup, lower than the typical 3.5%
-
Travel insurance
Complimentary travel insurance cover
Eligibility
- Age
- 21–65 years
- Min. income
- ₹10,00,000
- Min. credit score
- 750+
- Score note
- Good credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Bandhan Bank Lumina Credit Card is a Visa premium lifestyle card launched by Bandhan Bank on 8 September 2026, with 10x rewards on travel and premium lifestyle, plus concierge and lounge access.
Fees and rewards
- Annual fee: Rs 4,999 (waived on Rs 5 lakh annual spend)
- Joining fee: Nil
- Rewards: 10x on travel/lifestyle; 5x on other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for Bandhan Bank Lumina 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 Lumina Credit Card worth it?
What is the annual fee for the Bandhan Bank Lumina Credit Card?
How does the Bandhan Bank Lumina Credit Card reward rate work?
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Does the Bandhan Bank Lumina 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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