Mid-Tier Shopping & Lifestyle Rewards with Achievable Spend Waiver
Online shoppers, weekend dining, entertainment spending, and regular card spenders
Free
One-time upfront₹999
Waived on ₹1 lakh annual spend4 Reward Points per ₹200 on all eligible spends; 8 Reward Points per ₹200 on Grocery and Travel
On eligible spends4 Domestic + 4 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Bandhan Bank Ignite Credit Card is an all-around lifestyle credit card that bridges everyday retail rewards and travel convenience. A major advantage is its zero joining fee combined with 1 complimentary domestic airport lounge visit per calendar quarter (4 annually)—a perk rarely found on cards with zero initial fee. It offers boosted reward points on e-commerce shopping, food delivery, and weekend entertainment. The ₹999 annual renewal fee is fully waived upon spending ₹1,00,000 annually. Drawbacks include standard 3.50% forex markups and high APR charges of 42% per year on revolving debt. Who should consider it: Salaried professionals and active online shoppers looking for domestic lounge access and online shopping rewards without paying an upfront joining fee. Who should avoid it: International jet-setters who require overseas lounge access or reduced foreign exchange markups.
Receive 1,000 bonus reward points (worth ₹250) upon spending ₹5,000 or more within the first 30 days of card issuance.
Accelerate points accumulation with 8 Reward Points per ₹200 spent on flight bookings, hotels, travel portals, and supermarkets.
Enjoy 8 complimentary domestic lounge visits (2/quarter) and 4 complimentary international lounge visits (1/quarter) every year.
Save on restaurant dining with an instant 15% discount up to ₹500 on dining bills when paying through the EazyDiner app.
Earn 2,500 bonus reward points every quarter upon reaching ₹50,000 in eligible retail spends (up to 10,000 points yearly).
Fuel surcharge waived on fuel purchases between ₹400 and ₹5,000 across all petrol pumps in India.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Grocery & Travel Spends | 8 Reward Points per Rs 200 spent on grocery and travel (1.00% valueback; 2X points; 1 RP = Rs 0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 4 Reward Points per Rs 200 spent on other purchases (0.50% 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 |
|---|---|---|---|---|---|---|
| Grocery & Travel Spends | ₹12,000 | 8 Reward Points per Rs 200 spent on grocery and travel (1.00% valueback; 2X points; 1 RP = Rs 0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 4 Reward Points per Rs 200 spent on other purchases (0.50% 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-₹999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 1,200 bonus reward points (worth Rs 300) on monthly retail spends of Rs 30,000 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 Ignite Credit Card: • Eligibility: Salaried and self-employed Indian residents aged 21–60 with regular verifiable income. • Joining & Annual Fee: ₹0 joining fee; ₹999 + GST annual renewal fee (Waived on spending ₹1,00,000+ in preceding year). • Domestic Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually). • E-Commerce Multipliers: Accelerated reward points on online retail shopping and entertainment portals. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across petrol pumps. • Finance Charges: 3.50% per month (42.00% annualized) on revolving card balances. • Foreign Exchange Markup: Standard 3.50% + GST on cross-border transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Bandhan Bank Ignite 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.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: First-Time ICICI Borrowers, Moviegoers & Domestic Railway Travelers
Rewards: 0.25% Back On Utility & Insurance Spends (1 RP/₹100) And 0.50% Back On All Other Eligible Spends (2 RP/₹100)
Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 2 Oct 2026
Best for: Entry-Level Online Shoppers & Digital Voucher Seekers
Rewards: 10X points (2.5%) on partners, 5X points (1.25%) on all online shopping
Renewal fee waived on ₹1,00,000 annual spend
Last verified 2 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge access: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
Last verified 3 Oct 2026
