Premium Lifestyle & Travel Privileges with Domestic Lounge Visits
Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
₹2,499
One-time upfront₹2,499
Waived on ₹6 lakh annual spend10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
On eligible spends16 Domestic + 4 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Bandhan Bank Flare Credit Card is a premier lifestyle and travel offering positioned for upper-middle-income executives and frequent domestic travelers. Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) across major Indian terminals, paired with a concessional 2.50% foreign exchange markup that beats the standard 3.50% market tariff. It accelerates reward accumulation on premium dining, entertainment bookings, and travel portals. The ₹2,499 annual renewal fee is waived upon achieving ₹6,00,000 in retail spending in the preceding year. Potential drawbacks include a steep waiver threshold and higher revolving finance charges of 3.50% per month. Who should consider it: Regular domestic corporate travelers, affluent dining enthusiasts, and lifestyle spenders who can comfortably utilize 8 annual airport lounge visits. Who should avoid it: Budget-conscious users or low spenders who cannot reach the ₹6 Lakh spending milestone to justify the ₹2,499 holding fee.
Receive an Amazon Pay E-Voucher worth ₹2,000 upon paying the joining fee and spending ₹10,000 within the first 30 days of card issuance.
Save substantially on international overseas trips and foreign website transactions with a discounted forex markup of just 1.99% (vs standard 3.5%).
Relax in style with 16 complimentary domestic lounge visits (4/quarter) and 4 international lounge visits (1/quarter) per year.
Enjoy up to 8 complimentary golf games or lessons per year (2 per quarter) at top championship golf courses across India.
Receive Buy 1 Get 1 Free on movie tickets (up to ₹250 off) twice per calendar month on BookMyShow.
Save up to ₹1,000 per month with an instant 20% discount on dining bills when paying through the EazyDiner app.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel Spends | 20 Reward Points per Rs 200 spent on travel (2.50% valueback; 2X points; 1 RP = Rs 0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 10 Reward Points per Rs 200 spent on other retail (1.25% valueback; 1 RP = Rs 0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel Spends | ₹12,000 | 20 Reward Points per Rs 200 spent on travel (2.50% valueback; 2X points; 1 RP = Rs 0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 10 Reward Points per Rs 200 spent on other retail (1.25% valueback; 1 RP = Rs 0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,499
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 5,000 bonus reward points (worth Rs 1,250) on reaching monthly retail spends of Rs 75,000 or more.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Bandhan Bank Flare Credit Card: • Eligibility: Salaried and self-employed Indian residents aged 21–65 with verified premium income. • Joining & Annual Fee: ₹2,499 + GST joining fee; ₹2,499 + GST annual renewal fee (Waived on spending ₹6,00,000+ in preceding year). • Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually). • Concessional Forex Markup: Competitive 2.50% + GST on cross-border and international transactions. • Accelerated Rewards: Higher reward multipliers on dining, entertainment, and hotel bookings. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 across petrol pumps. • Finance Charges: 3.50% per month (42.00% annualized) on unpaid revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹2,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Bandhan Bank Flare Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Bandhan Bank portal with paperless verification.
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