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1st Year Fee: ₹ 0
Reward Points
5X reward points on grocery & apparel
Lounge Access
4 domestic lounge access per year
Movie Benefit
20% discount on spends at BookMyShow
Author: Shruti Sharma
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Bandhan Bank Sparks Credit Card is an entry-level credit card offering reward points on regular spends along with travel and lifestyle benefits. Cardholders can earn 5X reward points on grocery & apparel spends and a base reward rate of 2 reward points per Rs. 200 spent, with no expiry on the reward points. The card also offers 500 bonus reward points on spending Rs. 5,000 within 30 days of card issuance and 10% cashback of up to Rs. 500 on the first EMI booking with a minimum tenure of 12 months.
Apart from rewards, it offers 1 complimentary domestic airport lounge access every quarter at select airports, 20% discount on BookMyShow and 1% fuel surcharge waiver of up to Rs. 150 per month. The annual fee can also be waived on spending Rs. 50,000 in a year, which is easily achievable even for moderate spenders. Overall, this credit card is suitable for consumers looking for a basic rewards credit card with limited travel and lifestyle benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Bandhan Bank’s website.
Reward Points1
Welcome Benefit
Lounge Access
Movie Benefit
Other Benefits

| Fee Type | Amount | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||
| Annual Fee | Rs. 499 + Applicable Taxes (Waived off on annual spends of Rs. 50,000) | ||||||||||||
| Finance Charges | 3.50% p.m. (42% p.a.) | ||||||||||||
| Late Payment Charges |
|
You want a credit card offering accelerated reward points on grocery & apparel spends
You occasionally travel and want to avail complimentary domestic airport lounge access
You frequently book movie tickets through BookMyShow
You can spend Rs. 50,000 annually to get the annual fee waived
Indian Resident
Age Requirement: 21 to 65 Years
Occupation: Salaried
Salary Requirement: Rs. 2.5 LPA
Movies2.5/5
Rewards3.0/5
Lounge Access3.0/5
Bandhan Bank Sparks Credit Card offers basic rewards and lifestyle benefits. With 5X reward points on grocery & apparel, this card is a suitable option for day-to-day spends. However, the base reward rate of 2 points per Rs. 200 is relatively low, the fact that the reward points do not expire is useful for consumers who prefer to accumulate points over a longer period. The complimentary domestic lounge access is another notable benefit for an entry-level card. Apart from this, BookMyShow discount, welcome benefits and fuel surcharge waiver adds to the overall value. Bandhan Bank Sparks Credit Card can be a suitable option for consumers looking for an entry-level card with rewards, and basic travel & lifestyle benefits.
Everything you need to know about this credit card
Bandhan Bank Sparks Credit Card offers 5X reward points on grocery & apparel spends and 2 reward points per Rs. 200 spent on other eligible transactions. The reward points do not expire.
Cardholders can earn 500 bonus reward points on spending Rs. 5,000 within 30 days of card issuance. The card also offers 10% cashback of up to Rs. 500 on the first eligible EMI booking with a minimum tenure of 12 months.
Yes. Cardholders can avail 1 complimentary domestic airport lounge access every quarter at select airports. For more options, check our list of top credit cards with airport lounge access.
The annual fee can be waived if the cardholder spends Rs. 50,000 in a year. However, the card comes with no joining fee.
It can be useful for consumers who regularly book movie tickets through BookMyShow, as the card offers 20% discount capped at Rs. 100 per month on ticket bookings via BookMyShow.
Bandhan Bank Sparks Credit Card can be suitable for consumers looking for basic rewards on regular spends along with lounge access, movie discounts and fuel surcharge waiver. However, consumers seeking higher cashback may find other cards more suitable.
No. The reward points earned on Bandhan Bank Sparks Credit Card do not expire.
Click here to know More Terms and Conditions
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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