The verdict
An attractive mid-tier card offering both domestic and international airport lounge access at a sub-₹1,000 price point. With EazyDiner savings, monthly milestone bonuses, and a realistic ₹1,00,000 waiver threshold, it packs strong everyday utility.
Spending ₹6,000/month on groceries/travel and ₹4,000/month on general retail generates 3,840 Reward Points (₹960 value). Hitting ₹30,000 spend in 4 peak months adds ₹1,200 in milestone points. Utilizing 4 domestic and 2 international lounge visits (₹10,000 value) plus EazyDiner savings (₹2,400) easily surpasses ₹14,000 in annual net value.
For users seeking pure cashback deposited directly into bank accounts without dealing with points catalogues, flat 5% cashback cards like SBI Cashback provide higher cash efficiency.
✓What works
- +Dual lounge access: 1 complimentary domestic lounge visit AND 1 complimentary international lounge visit per calendar quarter.
- +15% dining discount on EazyDiner up to ₹500 per month.
- +2× accelerated rewards (8 RP / ₹200 = 1.00% return) on grocery shopping and travel bookings.
- +₹300 worth of bonus reward points upon spending ₹30,000 in a calendar month.
- +Annual renewal fee waived on achieving ₹1,00,000 in annual retail spending.
- +1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (up to ₹250/month).
✕What doesn't
- −Base reward return is 0.50% (4 RP per ₹200).
- −Standard 3.50% foreign currency markup fee.
- −EazyDiner discount is capped at ₹500 per month.
What it earns
1 Reward Point = ₹0.25. Points can be redeemed for statement credit, travel bookings, or brand gift vouchers.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Groceries, Supermarkets & Travel Bookings | 8 RP / ₹200 (1.00%) | 2,000 RP / month | 4,000 RP (₹1,000 value) |
| General Retail & Departmental Spends | 4 RP / ₹200 (0.50%) | Uncapped | 2,000 RP (₹500 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
2× Points on Groceries & Travel Bookings
Earn 8 Reward Points per ₹200 on supermarket grocery runs and flight/train/hotel bookings.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Groceries & TravelValid across supermarket merchants, airline booking sites, railway bookings, and hotels. | 2× · 8 RP / ₹200 (1.0%) | 2,000 RP / month | — |
Redemption options
Redeem Reward Points at 1 RP = ₹0.25 for statement credit or retail gift cards.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Statement Credit (Cashback)BEST VALUE | 1 RP = ₹0.25 | 500 RP | None | Nil |
| Travel & Lifestyle Brand VouchersBEST VALUE | 1 RP = ₹0.25 | 500 RP | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Online shopping on major e-commerce platforms.
- +Supermarket grocery purchases and travel reservations.
- +Domestic and international airport lounge entry.
- +EazyDiner dining discount (15% up to ₹500/mo).
- +1% fuel surcharge waiver across India on ₹500–₹4,000 spends (max ₹250/month).
✕Excluded Spends & Fee Traps
- −Fuel transactions (excluded from reward points).
- −Cash advance withdrawals and wallet reload transactions.
- −Property rent payments and government utility dues.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹0 / ₹999 + GST (First Year Free promotional offer) |
| Annual Renewal Fee | ₹999 + GST (Waived on ₹1,00,000 annual spend) |
| Finance Charges | 3.5% per month (42.0% per annum) |
| Forex Markup Fee | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹500–₹4,000 (max ₹250 / month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 65 years |
| Minimum Monthly Income | ₹35,000+ per month (Salaried) or ₹5L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended |
Frequently Asked Questions
Does Bandhan Ignite Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Bandhan Ignite Credit Card?
What is the reward rate and point redemption value on Bandhan Ignite Credit Card?
Which transactions are excluded from earning rewards on Bandhan Ignite Credit Card?
Who is Bandhan Ignite Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Bandhan Ignite Credit Card
The Bandhan Ignite Credit Card is Bandhan Bank’s versatile, mid-segment shopping and travel credit card designed on the Mastercard network for salaried professionals, urban households, and active online shoppers. Priced with an accessible annual renewal fee of ₹999 + GST—frequently offered First Year Free (FYF) under promotional onboarding and 100% waived upon achieving ₹1,00,000 in annual retail spending—the Ignite card stands out by bundling dual domestic and international airport lounge privileges at a sub-₹1,000 price point.
Engineered to optimize everyday lifestyle budgeting, the card features 2× accelerated rewards (8 Reward Points per ₹200 spent, delivering a 1.00% value return) on supermarket grocery shopping, airline tickets, train reservations, and hotel bookings, alongside a steady base reward rate of 4 Reward Points per ₹200 spent (0.50% return) on all other eligible domestic retail purchases. Beyond point accruals, cardholders benefit from dual quarterly lounge access (1 domestic airport lounge visit AND 1 international airport lounge visit per calendar quarter, totaling 8 visits annually), 15% off restaurant dining bills on EazyDiner (up to ₹500/month), a ₹300 monthly milestone bonus upon spending ₹30,000 in a calendar month, and 1% fuel surcharge waivers across India.
Key Privileges and Practical Everyday Benefits
- Dual Domestic & International Lounge Access: Enjoy 1 complimentary domestic airport lounge visit and 1 complimentary international lounge visit every calendar quarter (8 visits annually).
- 2× Accelerated Groceries & Travel: Earn 8 Reward Points per ₹200 spent (1.00% value return) on supermarket grocery shopping and airline/railway/hotel travel bookings.
- Monthly Spending Milestone Bonus: Receive ₹300 worth of bonus reward points upon settling ₹30,000 in cumulative retail purchases in any calendar month.
- EazyDiner Restaurant Dining Savings: Get a 15% discount up to ₹500 per month on restaurant dining bills settled through the EazyDiner platform.
- Low Spend Fee Waiver Threshold: Enjoy a 100% waiver of the ₹999 annual renewal fee upon spending just ₹1,00,000 in retail transactions during the card anniversary year.
Important Terms and Spend Conditions to Keep in Mind
- Monthly Accelerated Reward Ceiling: The 2× accelerated earning rate on groceries and travel bookings is capped at 2,000 Reward Points per monthly billing cycle.
- Quarterly Lounge Quota Distribution: Lounge access is structured on a strict per-calendar-quarter basis; unutilized domestic or international visits do not roll over to subsequent quarters.
- Reward Point Valuation & Statement Credit: 1 Bandhan Reward Point equals ₹0.25 and can be redeemed directly against statement balance or for multi-brand gift vouchers with zero redemption fees.
- Excluded Categories: Fuel purchases, ATM cash withdrawals, wallet reload transactions, and property rent payments do not earn reward points.
- Standard Foreign Exchange Fee: The card carries a standard 3.50% + GST foreign currency markup fee on international card swipes and overseas portals.
Who Benefits Most
- Urban Household Budgeters: Families spending regularly at supermarkets and grocery delivery aggregators who want 2× accelerated points and an easy ₹1 Lakh spend fee waiver.
- Budget Domestic & Overseas Flyers: Travelers seeking both domestic and international airport lounge access without paying high annual fees associated with super-premium cards.
- Weekend Restaurant Diners: Food lovers who dine out regularly and can save up to ₹6,000 annually through EazyDiner’s 15% monthly dining discount.
- Bandhan Bank — Credit Card Schedule of Charges and MITC (September 2026)
- Bandhan Bank — Ignite Credit Card Product Features & Benefits Schedule
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).