Bandhan Bank Lumina Credit Card

The Bandhan Bank Lumina Credit Card charges a joining fee and annual fee of Rs. 9,999 + applicable taxes. The card offers a Rs. 10,000 Oberoi e-voucher as a joining benefit, subject to spending Rs. 20,000 within 30 days of card issuance and payment of the joining fee.

Cardholders earn 16 reward points for every Rs. 200 spent on eligible transactions. International spends earn 1.5X rewards, equivalent to 24 reward points per Rs. 200. Cardholders can also earn 10,000 bonus reward points every month on spending Rs. 1 lakh.

Applicants must have an annual income of at least Rs. 18 lakh. However, the final approval is subject to the bank\'s internal eligibility and approval criteria.

Yes. The card offers unlimited international airport lounge access at select airports. It also provides 8 complimentary domestic lounge visits per quarter at select airports. The lounge access benefit is not linked to any minimum spending condition.

The card offers unlimited international lounge access, complimentary airport meet-and-greet services and a low forex mark-up fee of 1%, along with accelerated rewards on international transactions.

The card is best suited for frequent travellers, particularly those who travel internationally and can benefit from accelerated rewards, low forex mark-up and lounge access. It can also be suitable for consumers who are comfortable paying a premium annual fee for travel and lifestyle benefits.