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Bandhan Bank One Credit Card

Product Details
Credit Card Name : 

Bandhan Bank One Credit Card

Bank Name :

Bandhan Bank

Type :

Regular Credit Card

Interest Rate : 

24.58% p.a.

Eligibility :

Age: At least 18 years
Resident of India.

Bandhan Bank One Credit Card
Pros
  • Welcome Benefit: 500 reward points as joining benefit

  • Reward System: 1 reward point for every INR 150 spent. Customers can get 5 reward points for spending in supermarkets, dining, movies, and groceries. 

  • Other Benefits: Renewal fees waived on annual spends of INR 60,000. 

Cons
  • Limited features only.  

  • No airport lounge access facility is available.

  • Very basic credit card. 

Pros & Cons
Welcome Benefits

Welcome Benefit: 500 reward points as joining benefit

Rewards System
  • 1 reward point for every ₹150 spent.

  • 5 reward points for shopping in supermarkets, groceries, dining, and movies. 

  • 1 reward point is worth Rs. 0.30.

  • Effective Cashback Rate: 1.5%

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features

None 

Eligibility Criteria

Age: At least 18 years
Resident of India.

Benefits


  • Welcome bonus of 500 Reward Points

  • Renewal fee waiver

  • Reward points on supermarkets, dining, movies and grocery spends. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Check the eligibility criteria. The eligibility criteria for the Bandhan Bank One Credit Card are:  Age: 21-60 years Minimum income: INR 30,000 per month (salaried) or INR 50,000 per month (self-employed) Good credit history 

  • Gather the required documents. 

  • The required documents are:  A recent passport-size photograph Proof of identity (any of the following): Voter ID, passport, driving license, PAN card, Aadhaar card Proof of residence (any of the following): Electricity bill, telephone bill, Aadhaar card, passport Proof of income (any of the following): Latest 3 months' salary slip, latest 3 months bank statement, income tax returns (ITR)/Form 16 

  • Apply online or offline. 

  • You can apply for the card online through the Bandhan Bank website or offline by visiting any Bandhan Bank branch.  

  • Submit your application. 

  • Once you have gathered the required documents, you can submit your application online or offline.  

  • Wait for the approval. 

  • The bank will review your application and let you know the status within a few days.  

  • If your application is approved, you will receive the card within 7-10 working days.

Contact Details

Call on 1800-258-8181, 033-4409-9090

Account Opening and Procedure
Bandhan Bank One Credit Card

Overall, the Bandhan Bank One Credit Card offers basic features and a decent rewards program at an affordable annual fee. It's suitable for individuals with limited credit history or seeking a no-frills card for everyday spending. However, if you're a high spender, frequent traveler, or desire premium benefits, explore other cards with more significant rewards and features.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fee (1st Year Fee) - INR 299 

  • Annual Fees (2nd Year onwards) - INR 299 

  • Cash Advance Fee -3% of transaction fee or Rs. 300/-, whichever is higher 

  • Interest Rate: 24.58% p.a.  

  • Late Payment Fess Rs. 0 for statement outstanding balance less than or equal to 100. 100 for statement outstanding balance between 101 and 500. 500 for statement outstanding balance between 501 and 5,000. 700 for statement outstanding balance between 5,001 and 10,000.800 for statement outstanding balance between 10,001 and 25,000. 1200 for statement outstanding balance greater than 25,000 

  • Foreign Currency Transactions  up 3.5% 

  • Rewards Points Redemption Fee- rs. 99/- 

  • Railway Surcharge: Rs. 25 or 2.5% which ever is higher.

Fuel Surcharge

Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)

Billing Cycle

30 Days

Fees & Charges
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