{
  "id": "bandhan-ignite-credit-card",
  "locale": "hinglish",
  "name": "Bandhan Ignite Credit Card",
  "bank": "Bandhan Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹999 + GST (First Year Free promotional offer)",
  "loungeAccess": "Har quarter 1 domestic airport lounge visit + 1 international lounge visit",
  "rewardsRate": "General retail par 4 RP / ₹200 · Grocery aur travel par 2× points · EazyDiner 15% off",
  "bestFor": "Regular online shoppers, grocery aur travel spenders, weekend foodies, aur occasional flyers",
  "officialLink": "https://creditcards.bandhan.bank.in/",
  "aiVerdict": {
    "score": 3.8,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "bandhan-ignite-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 — Ignite Credit Card Product Features & Benefits Schedule"
  ],
  "feeWaiver": "Saal ke ₹1,00,000 spend par full fee waived",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Joining Fee",
      "value": "₹0 / ₹999 + GST"
    },
    {
      "key": "Annual Fee",
      "value": "₹999 + GST (Waived at ₹1L)"
    },
    {
      "key": "Base Reward Rate",
      "value": "4 RP / ₹200 (0.50% value)"
    },
    {
      "key": "Grocery & Travel",
      "value": "8 RP / ₹200 (1.00% value)"
    },
    {
      "key": "Domestic Lounge",
      "value": "1 Visit / Quarter (4 / yr)"
    },
    {
      "key": "International Lounge",
      "value": "1 Visit / Quarter (4 / yr)"
    },
    {
      "key": "Dining Privilege",
      "value": "15% off EazyDiner (up to ₹500/mo)"
    },
    {
      "key": "Monthly Milestone",
      "value": "₹300 bonus points on ₹30k spend"
    }
  ],
  "earnRates": [
    {
      "category": "Groceries, Supermarkets & Travel Bookings",
      "rate": "8 RP / ₹200 (1.00%)",
      "monthlyCap": "2,000 RP / month",
      "perLakhSpent": "4,000 RP (₹1,000 value)"
    },
    {
      "category": "General Retail & Departmental Spends",
      "rate": "4 RP / ₹200 (0.50%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Groceries & Travel",
      "multiplier": "2×",
      "rate": "8 RP / ₹200 (1.0%)",
      "monthlyCap": "2,000 RP / month",
      "dailyCap": "—",
      "note": "Valid across supermarket merchants, airline booking sites aur hotels."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Credit (Cashback)",
      "value": "1 RP = ₹0.25",
      "minPoints": "500 RP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Travel & Lifestyle Vouchers",
      "value": "1 RP = ₹0.25",
      "minPoints": "500 RP",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel transactions (points excluded).",
    "Cash advances aur wallet load transactions.",
    "Rent payments aur government utility dues."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 / ₹999 + GST (First Year Free promotional offer)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (₹1,00,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges",
      "value": "3.5% per month (42.0% per annum)",
      "warn": true
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500–₹4,000 (max ₹250 / month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹35,000+ per month (Salaried) ya ₹5L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "720+ recommended"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}