Bandhan Bank Lumina Credit Card

Bandhan Bank · ₹9,999 a year · fee waived on ₹12,00,000 of annual spend

Bandhan’s top card, with unlimited international lounges and a 1% forex markup.

What the bank says

• 16 reward points on every ₹200, and 24 per ₹200 on international spends
• Up to 10,000 bonus points every month on spends of ₹1 lakh
• 8 domestic lounge visits a quarter and unlimited international lounge access
• Forex markup of 1%
• ₹10,000 Oberoi Hotels e-voucher as a joining benefit
• 1% fuel surcharge waiver, up to ₹1,000 a statement

Things that catch people out

• Bandhan Bank’s page does not say what a reward point is worth in rupees, so the card is listed with its facts and not ranked.
• The joining and renewal fee of ₹9,999 plus taxes is waived on ₹12 lakh of spend in the year.

Joining fee: ₹9,999. Foreign currency markup: 1%.

The facts

• Annual fee: ₹9,999
• Fee waived at: ₹12,00,000 of spend a year
• Domestic lounge visits: 32 a year
• Minimum income: not published

Read from Bandhan Bank’s own page on 2026-10-06.

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