{
  "id": "bandhan-lumina-credit-card",
  "locale": "en",
  "name": "Bandhan Lumina Credit Card",
  "bank": "Bandhan Bank",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹9,999 + GST",
  "loungeAccess": "8 domestic airport lounge visits per quarter (32/yr) + Unlimited international lounge visits",
  "rewardsRate": "2% domestic spends · 3% international spends · 1.00% Forex · ₹10k Oberoi Voucher",
  "bestFor": "Ultra-high-net-worth individuals, luxury globe-trotters, golf aficionados, and fine dining connoisseurs",
  "officialLink": "https://creditcards.bandhan.bank.in/",
  "aiVerdict": {
    "score": 3.8,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹9999) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "bandhan-lumina-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bandhan Bank — Credit Card Schedule of Charges and MITC (September 2026)",
    "Bandhan Bank — Lumina Credit Card Product Features & Benefits Schedule"
  ],
  "feeWaiver": "Waived on ₹12,00,000 annual retail spend",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Joining Fee",
      "value": "₹9,999 + GST"
    },
    {
      "key": "Annual Fee",
      "value": "₹9,999 + GST (Waived at ₹12L)"
    },
    {
      "key": "Domestic Spends",
      "value": "2.00% Reward Return"
    },
    {
      "key": "International Spends",
      "value": "3.00% Reward Return"
    },
    {
      "key": "Welcome Gift",
      "value": "₹10,000 Oberoi Luxury Voucher"
    },
    {
      "key": "Domestic Lounges",
      "value": "8 Visits / Quarter (32 / year)"
    },
    {
      "key": "International Lounges",
      "value": "Unlimited Complimentary Visits"
    },
    {
      "key": "Forex Markup",
      "value": "1.00% + GST (Super-Premium Rate)"
    },
    {
      "key": "BookMyShow",
      "value": "25% off (up to ₹1,000/mo)"
    },
    {
      "key": "EazyDiner",
      "value": "25% off (up to ₹1,000/mo)"
    },
    {
      "key": "Golf Privileges",
      "value": "4 Games + 4 Lessons / Year"
    },
    {
      "key": "Monthly Milestone",
      "value": "10,000 RP on ₹1,00,000 spend"
    }
  ],
  "earnRates": [
    {
      "category": "International Point-of-Sale & Online Purchases",
      "rate": "3.00% Return",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,000 value"
    },
    {
      "category": "Domestic Retail, Dining & Everyday Spends",
      "rate": "2.00% Return",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹2,000 value"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions",
      "multiplier": "1.5×",
      "rate": "3.00%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Valid across international e-commerce and POS swipes globally."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flights & Luxury Hotel Bookings",
      "value": "1 RP = up to ₹0.50",
      "minPoints": "2,000 RP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Premium Lifestyle Vouchers",
      "value": "1 RP = ₹0.35",
      "minPoints": "1,000 RP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "1 RP = ₹0.25",
      "minPoints": "1,000 RP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel transactions (points excluded).",
    "ATM cash withdrawals and wallet load transactions.",
    "Property rent payments and government utility dues."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹9,999 + GST",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹9,999 + GST (Waived on ₹12,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges",
      "value": "3.5% per month (42.0% per annum)",
      "warn": true
    },
    {
      "item": "Forex Markup Fee",
      "value": "1.00% + GST (Super-premium discounted rate)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500–₹5,000 (max ₹500 / month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹1,50,000+ per month (Salaried) or ₹20L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}