Bandhan Bank Lumina Credit Card
- Joining fee
₹9,999 + GST
- Annual fee
₹9,999 + GST
- Best suited for
Travel
- Reward type
Reward Points
Rewards
- Rewards rate
16 Reward Points for Every ₹200 Spent, 24 Reward Points for Every ₹200 Spent Internationally
- Welcome benefits
₹10,000 'Giftwrapped by Oberoi' E-Voucher on Spending ₹20,000 Within the First 30 Days of Card Issuance and Payment of the Joining Fee
- Reward redemption
1 Reward Point = ₹0.25
Benefits
- Movie & dining
25% Discount on EazyDiner, Up to ₹1,000 Once Every Month and 25% Discount on BookMyShow, Up to ₹1,000 Once Every Month
- Travel
4 Complimentary Airport Meet & Greet Services
- Domestic lounge
8 Complimentary Domestic Lounge Access Per Quarter at Select Airports
- International lounge
Unlimited International Airport Lounge Access
- Golf
4 Complimentary Golf Lessons and 4 Games at Leading Courses Across India and Select Courses Across the World
Fees & charges
- Spend-based waiver
Annual Charges Waived on Spends of ₹12 Lakh
- Foreign currency markup
1%
- Interest rates
3.5%
- Fuel surcharge waiver
1% Waiver Up to ₹1,000 Per Statement Cycle
Product highlights
- Earn 16 reward points for every ₹200 spent domestically and 24 reward points for every ₹200 spent internationally.
- Reward points can be redeemed at a value of ₹0.25 per point.
- Spend ₹1 lakh in a month to earn up to 10,000 bonus reward points.
- Get a 25% discount on EazyDiner and BookMyShow, with savings of up to ₹1,000 per month on each platform.
- Enjoy unlimited international airport lounge access and 8 complimentary domestic lounge visits per quarter.
- Receive 4 complimentary Airport Meet & Greet services for a seamless travel experience.
- Avail 4 complimentary golf lessons and 4 complimentary golf games at select golf courses in India and overseas.
Pros & cons
Pros
- The card offers a low 1% forex markup fee, which helps to reduce the cost of international transactions, making the card an excellent choice for frequent international travelers and overseas shoppers.
- Unlimited international lounge access and 8 complimentary domestic lounge visits per quarter make the card a good choice for frequent travelers.
Cons
- The annual fee is quite high, so the card may not be worth it if you don’t use its premium benefits regularly.
- The annual fee waiver requires spending ₹12 lakh in a year, which may be difficult for many cardholders to achieve.
FAQs
What welcome benefits does the Bandhan Bank Lumina Credit Card offer?
New cardholders can receive a ₹10,000 ‘Giftwrapped by Oberoi’ e-voucher by spending ₹20,000 within the first 30 days of card issuance and paying the joining fee.
How many reward points can I earn with the Bandhan Bank Lumina Credit Card?
Cardholders earn 16 reward points for every ₹200 spent domestically and 24 reward points for every ₹200 spent internationally. Each reward point is worth ₹0.25 at the time of redemption.
Does the Bandhan Bank Lumina Credit Card offer airport lounge access?
Yes. The card offers unlimited complimentary access to select international airport lounges and 8 complimentary domestic lounge visits every quarter.
What is the forex markup fee on the Bandhan Bank Lumina Credit Card?
The card charges a low forex markup fee of 1%, making it a good option for international travel and overseas spending.
Can I get the annual fee waived?
Yes. The annual fee is waived if you spend ₹12 lakh or more in a year using the card.