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Bandhan Bank Plus Credit Card

Product Details
Credit Card Name : 

Bandhan Bank Plus Credit Card

Bank Name :

Bandhan Bank

Type :

Rewards Credit Card

Interest Rate : 

24.58% p.a.

Eligibility :

Age: At least 18 years
Resident of India.

Bandhan Bank Plus Credit Card
Pros
  • Welcome Benefit: MakeMyTrip Cashback of INR 3000 is provided as a joining benefit. 

  • Reward System: 3 Reward points for every INR 150 spent, Customers get 10 reward points for spending in the supermarket, dining, movies, and grocery. 

  • Travel Benefits: 4 lounge access per quarter, and additional rewards through out the year. 

Cons
  • Limited features only. 

  • A high joining fee is levied upon the customers.  

  • Not specified that whether lounge access program is offered for domestic lounges or international lounges. 

Pros & Cons
Welcome Benefits

MakeMyTrip Cashback of INR 3000 is provided as a joining benefit. 

Rewards System
  • 1 reward point is worth Rs. 0.30. 

  • 3 reward point for every 150 spent 

  • 5 reward points for spends in supermarkets, dining, movies and grocery 

  • 1500 reward points as a joining benefit

  • Effective Cashback Rate: 1.5%

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features

Additional Reward points throughout the year. 

Eligibility Criteria

Age: At least 18 years
Resident of India.

Benefits


  • Welcome bonus of 1500 Reward Points

  • Renewal fee waiver

  • Travel Benefits

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Check the eligibility criteria. The eligibility criteria for the Bandhan Bank Plus Credit Card are:  Age: 21-65 years Minimum income: INR 25,000 per month 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 Plus Credit Card

Overall, the Bandhan Bank Plus Credit Card offers a step up from the One Card with better rewards, airport lounge access, and a higher joining bonus. However, the annual fee is higher, and the interest rate and reward rate remain limitations. This card could be suitable for individuals with moderate spending habits and occasional travel requirements seeking basic perks.

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

Product Review
Fees & Charges
  • Joining Fee (1st Year Fee) - INR 699 

  • Annual Fees (2nd Year onwards) - INR 699+GST 

  • 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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