Super-Premium Metal Luxury with Unlimited Lounges & Elite Concierge
High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
₹9,999
One-time upfront₹9,999
Waived on ₹12 lakh annual spend16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
On eligible spends32 Domestic visits/year + Unlimited International
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Bandhan Bank Lumina Credit Card is the bank's flagship super-premium offering, presented in a handcrafted metallic form factor for ultra-high-net-worth individuals and corporate leaders. Its hallmark feature is truly unrestricted global mobility: cardholders enjoy unlimited complimentary access to domestic and international airport lounges via Priority Pass, paired with an industry-leading concessional forex markup of just 1.99% + GST. It also confers complimentary golf games and lessons at elite championship clubs across India, 24/7 global concierge assistance, and comprehensive travel insurance covers. With an annual fee of ₹9,999 (waived on spending ₹12,00,000 annually), it easily competes with benchmark super-premium cards. Who should consider it: High-spending global executives and affluent travelers who spend upwards of ₹1 Lakh per month and value unlimited lounge access, low forex charges, and golf privileges. Who should avoid it: Moderate earners unable to cross the ₹12 Lakh annual spend threshold or maximize luxury travel amenities.
Receive an exclusive ₹10,000 Oberoi Hotels E-Voucher upon joining fee payment and spending ₹20,000 within the first 30 days of card issuance.
Enjoy unrestricted, unlimited complimentary visits to over 1,300+ international airport lounges worldwide via Priority Pass.
Extensive domestic lounge access with 8 visits per quarter (up to 32 visits annually) at all major domestic airport terminals in India.
Maximize global spending value with an ultra-low 1.00% forex markup fee, saving up to 2.5% compared to conventional cards.
Experience seamless airport transit with 4 complimentary VIP Meet & Greet services annually at select domestic and international airports.
Access premier championship golf courses with 4 complimentary rounds or professional golf lessons every quarter (up to 16/year).
Expert assistance for premium dining reservations, global travel itineraries, luxury private transfers, and bespoke experiences.
Enjoy up to ₹2,000 in monthly entertainment savings with 25% off on BookMyShow (up to ₹1,000/mo) and 25% off on EazyDiner Prime (up to ₹1,000/mo).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends | 24 Reward Points per Rs 200 spent in foreign currency (3.00% valueback; 1 RP = Rs 0.25) | No Cap | Standard terms apply |
| Domestic Retail Spends | 16 Reward Points per Rs 200 spent on domestic transactions (2.00% 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 |
|---|---|---|---|---|---|---|
| International Spends | ₹12,000 | 24 Reward Points per Rs 200 spent in foreign currency (3.00% valueback; 1 RP = Rs 0.25) | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 16 Reward Points per Rs 200 spent on domestic transactions (2.00% 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-₹9,999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 10,000 bonus reward points (worth Rs 2,500) on reaching monthly retail spends of Rs 1,00,000 or more (up to 1,20,000 bonus points annually).
*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 Lumina Credit Card: • Eligibility: High-net-worth salaried or self-employed Indian residents meeting bank's elite income and credit criteria. • Joining & Annual Fee: ₹9,999 + GST joining fee; ₹9,999 + GST annual renewal fee (Waived on spending ₹12,00,000+ in preceding year). • Airport Lounge Access: Unlimited complimentary domestic and international airport lounge visits for primary cardholder. • Preferential Forex Markup: Best-in-class 1.99% + GST foreign currency conversion markup on overseas spending. • Golf Privileges: Complimentary golf rounds and coaching sessions at participating clubs across India. • Insurance Protection: High-value air accident and emergency overseas medical insurance coverage. • Finance Charges: 3.50% per month (42.00% annualized) on unpaid revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹9,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Bandhan Bank Lumina Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Bandhan Bank portal with paperless verification.
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