Bandhan BankMastercard Network

Verified

Direct Bank Application via Official Issuer Portal

Rewards Shopping Airport Lounge Entry Level Entertainment Grocery Lifestyle

2026 Edition4.3/5 Editorial Score

Bandhan Bank Sparks Credit Card

Entry-Level Everyday Card with Zero Joining Fee & 1% Fuel Waiver

Best Suited For

Entry-level cardholders, everyday household bills, local grocery shopping, and fuel savings

Rewards Shopping Airport Lounge Entry Level

Joining Fee

Free

One-time upfront

Annual Fee

₹499

Waived on ₹50,000 annual spend

Base Rewards

2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel

On eligible spends

Airport Lounge

4 Domestic visits/year

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.3/5 Editorial Score

The Bandhan Bank Sparks Credit Card is an accessible entry-level credit card tailored for first-time applicants, students, and budget-conscious households. Offered with zero joining fee, it allows consumers to experience formal revolving credit without an immediate upfront charge. The modest ₹499 annual renewal fee is easily waived upon spending ₹50,000 within the card anniversary year (~₹4,200 per month). Cardholders earn baseline reward points on supermarket groceries, department store visits, and utility bills, alongside a 1% fuel surcharge waiver across domestic bunks. Its constraints include lack of airport lounge visits and standard 3.50% forex markups. Who should consider it: Young earners and self-employed individuals wanting an easy-to-manage first credit card with an accessible spend waiver. Who should avoid it: Frequent travelers or online shoppers looking for accelerated 5% cashback or airport lounge visits.

Ideal For:Entry-level cardholders, everyday household bills, local grocery shopping, and fuel savings

Rewards Shopping Airport Lounge

Card Strengths

Zero Joining Fee: Card is issued with no upfront fee, making it free to acquire in the first year.
Easy ₹50,000 Spend Waiver: Annual renewal fee of ₹499 is waived upon spending just ₹50,000 in the previous year.
Daily Spend Reward Points: Earn reward points on grocery purchases, utility payments, and local retail stores.
1% Fuel Surcharge Waiver: Fuel surcharge waiver on transactions between ₹400 and ₹5,000 at petrol pumps nationwide.
Complimentary Add-On Cards: Issue up to two add-on credit cards for family members with shared credit limits.

Things to Keep in Mind

₹499 Annual Renewal Fee: Standard annual fee applies from year two if the ₹50,000 annual spend is not met.
No Airport Lounge Access: Does not provide complimentary visits to domestic or international airport lounges.
Standard 3.50% Forex Markup: Regular 3.50% markup applies to all cross-border foreign currency transactions.
Basic Reward Conversion Rate: Base earn rate yields standard savings without high-multiplier category bonuses.

Additional Cardholder Privileges

Welcome

500 Reward Points

Welcome Bonus of 500 Reward Points

Receive 500 bonus reward points (worth ₹125) upon spending ₹5,000 or more within the first 30 days of card issuance.

Shopping

4 RP per ₹200

2X Rewards on Grocery & Apparel

Accelerate your savings with 4 Reward Points per ₹200 spent at supermarkets, departmental stores, and apparel retail outlets.

Lounge

4 Visits / Year

Complimentary Domestic Airport Lounge Access

Enjoy comfortable travel with 4 complimentary domestic airport lounge visits per year (1 per quarter) at key airports across India.

Movie

20% Off (Up to ₹100/mo)

BookMyShow Movie Ticket Discount

Get a 20% discount (up to ₹100 off) on movie ticket bookings through BookMyShow once every calendar month when booking at least 2 tickets.

Shopping

Up to ₹500 Cashback

₹500 EMI Cashback Benefit

Get up to ₹500 cashback when you convert your first eligible retail purchase into Merchant EMI with a minimum tenure of 12 months.

Fuel

Up to ₹150 / Month

1% Fuel Surcharge Waiver

Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150 per statement cycle.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Bandhan Delights Sparks Tier
Reward Currency: Bandhan Delights Reward Points
Base Earn Rate: 2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel
Point Value (INR): ₹0.2500 per point
Redemption Channels: Nominal reward redemption processing fee of ₹99 + GST per redemption request.
Reward Point Expiry: Reward points are valid for 36 months from the date of accrual.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Grocery & Apparel Spends	10 Reward Points per Rs 200 spent on grocery and apparel (1.25% valueback; 5X points; 1 RP = Rs 0.25)	No Cap	Standard terms apply
Other Retail Spends	2 Reward Points per Rs 200 spent on general retail (0.25% valueback; 1 RP = Rs 0.25)	No Cap	Standard terms apply

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Grocery & Apparel Spends1.25%

No published cap

₹

Other Retail Spends0.25%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Grocery & Apparel Spends	₹12,000	10 Reward Points per Rs 200 spent on grocery and apparel (1.25% valueback; 5X points; 1 RP = Rs 0.25)	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	2 Reward Points per Rs 200 spent on general retail (0.25% valueback; 1 RP = Rs 0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 4 complimentary visits per year
Spend Requirement: No spend requirement

1 complimentary domestic airport lounge visit per calendar quarter (4 per year) under Mastercard Airport Lounge Program. No prior spend criteria mandated.

International Lounge Access

Global airports outside India

None

Complimentary Visits: Not available
Spend Requirement: Unavailable
Access Type: International Lounge Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance4 Domestic visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹50,000 annual spend
Fee Terms Notes: Joining fee Nil; annual renewal fee ₹499 + GST waived on spending ₹50,000 in preceding year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.50% per month
Annualized Interest Rate (APR): 42.00% p.a.
Cash Advance / ATM Withdrawal Fee: 2.5% of withdrawal amount
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Standard Bandhan Bank schedule: ₹0 up to ₹500 balance, up to ₹1,000 for balances above ₹50,000.
Fuel Surcharge Waiver: 1% fuel surcharge waiver across all fuel stations in India.

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Key Terms & Conditions for Bandhan Bank Sparks Credit Card: • Eligibility: Salaried and self-employed Indian residents aged 21–60 with basic verifiable monthly income. • Joining & Annual Fee: ₹0 joining fee; ₹499 + GST annual renewal fee (Waived on spending ₹50,000+ in preceding year). • Reward Accrual: Earn reward points on grocery purchases, utility payments, and local retail stores. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at petrol pumps nationwide. • Add-On Facility: Up to 2 complimentary add-on cards for immediate family members above 18 years. • Finance Charges: 3.50% per month (42.00% annualized) on unpaid revolving balances. • Foreign Exchange Markup: Standard 3.50% + GST on international transactions.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Age Requirement: 21 – 65 years
Minimum Annual Income / ITR: ₹2.4 lakh / year
Employment Status: Salaried or Self-Employed
Recommended Credit Score (CIBIL): 700+ (Recommended)
Residency: Indian Resident
Special Eligibility Notes: Open to salaried individuals earning ₹20,000+/month or self-employed professionals with ITR of ₹2.4 Lakhs+. Requires valid KYC (Aadhaar & PAN).

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Bandhan Bank Sparks Credit Card application, fees, reward redemption, and eligibility

Is there a joining fee for Bandhan Bank Sparks Credit Card?

No, the Bandhan Bank Sparks Credit Card is issued with a ₹0 joining fee.

What is the annual fee waiver threshold for Bandhan Bank Sparks?

The annual renewal fee of ₹499 is 100% waived if you spend ₹50,000 or more in retail transactions during the card anniversary year.

Does the Sparks Credit Card offer airport lounge visits?

No, the Sparks Credit Card does not include complimentary airport lounge access.

Who should consider the Bandhan Bank Sparks Credit Card?

Salaried earners and young professionals looking for a simple, low-cost everyday credit card with an achievable spend waiver.

What is the joining and annual renewal fee for Bandhan Bank Sparks Credit Card?

The joining fee for Bandhan Bank Sparks Credit Card is Free (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on Bandhan Bank Sparks Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹50,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on Bandhan Bank Sparks Credit Card?

Bandhan Bank Sparks Credit Card offers 2 Reward Points per ₹200 on general spends; 4 Reward Points per ₹200 on Grocery & Apparel. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does Bandhan Bank Sparks Credit Card offer complimentary airport lounge access?

Yes, Bandhan Bank Sparks Credit Card provides 4 Domestic visits/year.