Bandhan Bank Sparks Credit Card
- Joining fee
Nil
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
2 Reward Points on Every ₹200 on All Eligible Spends
- Welcome benefits
500 Reward Points on Spending ₹5,000 within 30 Days of Card Issuance
- Reward redemption
1 Reward Point = ₹0.25
Benefits
- Movie & dining
20% Discount on BookMyShow Up to ₹100 Once Every Month
- Domestic lounge
1 Complimentary Domestic Airport Lounge Access Per Quarter at Select Airports
- Insurance
10% Cashback Up to ₹500 on the First EMI Booking with a Minimum Tenure of 12 Months
Fees & charges
- Spend-based waiver
Annual Charges Waived on Spends of ₹50,000
- Foreign currency markup
3.5%
- Interest rates
3.5%
- Fuel surcharge waiver
1% Waiver Up to ₹150 Per Statement Cycle
- Cash advance charges
3.5% (Min of ₹500 + GST)
Product highlights
- Annual fee waived on yearly spends of ₹50,000 or more.
- Earn 2 reward points on every ₹200 spent on eligible purchases.
- Get 500 bonus reward points on spending ₹5,000 within 30 days of card issuance.
- Enjoy 20% off on BookMyShow up to ₹100 once every month.
- Receive 1 complimentary domestic lounge visit every calendar quarter.
- Save with a 1% fuel surcharge waiver of up to ₹150 per statement cycle.
- Get 10% cashback up to ₹500 on your first EMI transaction.
Pros & cons
Pros
- The card comes with no joining fee, and the annual fee of ₹499 + GST is waived if you spend ₹50,000 or more in an anniversary year, making it affordable for regular users.
- It offers reward points on eligible spends along with practical benefits like BookMyShow discounts, complimentary domestic lounge access, a fuel surcharge waiver, and cashback on the first EMI transaction.
Cons
- The card does not offer international lounge access, travel rewards, golf privileges, or other premium lifestyle perks, making it less suitable for frequent travelers.
- The reward earning rate is modest, and the 3.5% foreign currency markup fee makes the card less attractive for international transactions.
FAQs
What welcome benefits does the Bandhan Bank Sparks Credit Card offer?
Cardholders receive 500 bonus reward points by spending ₹5,000 within the first 30 days of card issuance.
Does the Bandhan Bank Sparks Credit Card offer airport lounge access?
Yes. The card provides 1 complimentary domestic airport lounge visit per calendar quarter at select airports.
Is there a fuel surcharge waiver on the Bandhan Bank Sparks Credit Card?
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions, with a maximum benefit of ₹150 per statement cycle.
Does the Bandhan Bank Sparks Credit Card offer EMI benefits?
Yes. You can get 10% cashback (up to ₹500) on your first EMI booking with a minimum repayment tenure of 12 months.
What is the foreign currency markup fee on the Bandhan Bank Sparks Credit Card?
The card charges a 3.5% foreign currency markup fee on international transactions.