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Bandhan Bank

Bandhan Bank Sparks Credit Card

Best for millennials, everyday rewards

₹499/yr annual fee · 1x 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

Annual fee

₹499/yr

Reward rate

1x

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2 lakh/yr · CIBIL 700+

Reward cap

₹500/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Millennial
  • Entry-level user
  • Everyday spender

What we like

  • Entry-level pricing
  • 5x on dining/entertainment
  • Welcome benefit

Watch out for

  • Rs 499 annual fee
  • Rs 50,000 spend waiver threshold

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

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹499 Waived on Rs 50,000 annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 1.00 — 0.25
DINING 5.00 ₹500/month 0.25

Benefits

  • Welcome benefit Highlight

    Welcome voucher on joining

  • Fuel surcharge waiver

    1% fuel surcharge waiver

Eligibility

Age
21–60 years
Min. income
₹2,00,000
Min. credit score
700+
Score note
Stable income with decent credit
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof

Bandhan Bank Sparks Credit Card is a Visa entry-level rewards card launched by Bandhan Bank on 8 September 2026, targeting millennials.

Fees and rewards

  • Annual fee: Rs 499 (waived on Rs 50,000 annual spend)
  • Joining fee: Nil
  • Rewards: 1x on all spends; 5x on dining/entertainment

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 Sparks 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 Sparks Credit Card worth it?
Bandhan Bank Sparks 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 Sparks Credit Card?
Bandhan Bank Sparks Credit Card charges ₹499 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 Sparks Credit Card reward rate work?
Bandhan Bank Sparks Credit Card earns 1x 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 Sparks Credit Card?
To qualify for Bandhan Bank Sparks Credit Card, you typically need: minimum annual income ₹2,00,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Bandhan Bank Sparks Credit Card offer airport lounge access?
Bandhan Bank Sparks Credit Card does not publish complimentary airport lounge access as a benefit.

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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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