Welcome Benefit: 1500 reward points as a joining benefit.
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Bandhan Bank Xclusive Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 1500 reward points as a joining benefit.
Milestone Benefits
None.
Cashback Rate
Customers get 3 reward points for every INR 150 spent.
Value of 1 reward point: INR 0.30
General cashback rate: 0.6%
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Movie Benefits
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Dining Benefits
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Other Benefits
Zero liability protection: In case your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 1500 reward points as a joining benefit.
Milestone Benefits
None.
Cashback Rate
Customers get 3 reward points for every INR 150 spent.
Value of 1 reward point: INR 0.30
General cashback rate: 0.6%
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Movie Benefits
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Dining Benefits
Customers get 5 reward points for every INR 150 spent on supermarkets, dining, movies, and groceries.
Special cashback rate: 1%
Other Benefits
Zero liability protection: In case your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card.
Lounge Access
None.
Fees & Charges of
Bandhan Bank Xclusive Credit Card
Joining Fee
(1st Year Fee) - INR 2999
Annual Fee
s (2nd Year onwards) - INR 2999+GST
Cash Advance Fee
Cash Advance Fee -3% of transaction fee or Rs. 300/-, whichever is higher
Interest rate
Interest Rate: 24.58% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions up 3.5%
Other Fees
Rewards Points Redemption Fee- rs. 99/- | Railway Surcharge: Rs. 25 or 2.5% which ever is higher.
Joining Fee
(1st Year Fee) - INR 2999
Annual Fee
s (2nd Year onwards) - INR 2999+GST
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 24.58% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions up 3.5%
Other Fees
Rewards Points Redemption Fee- rs. 99/- | Railway Surcharge: Rs. 25 or 2.5% which ever is higher.
Fee and Charges of
Bandhan Bank Xclusive Credit Card
Special Features
Additional Rewards throughout the year.
Eligibility Criteria
Age: At least 18 years
Resident of India.
Speical Feature, Eligibility and Benefits of
Bandhan Bank Xclusive Credit Card
How to apply for Credit Card?
Check the eligibility criteria: The eligibility criteria for the Bandhan Bank Xclusive Credit Card are: Age: 21-60 years (salaried) or 65 years (self-employed) 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 of
Bandhan Bank Xclusive Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
Overall, the Bandhan Bank Xclusive Credit Card caters to high spenders and frequent travelers who value premium perks like extensive lounge access, high rewards, and joining bonuses. While the annual fee is considerable, it can be offset by significant spending. However, if you have lower spending habits or prioritize other features like wider card networks or travel insurance, explore other options in the market.
Overall, the Bandhan Bank Xclusive Credit Card caters to high spenders and frequent travelers who value premium perks like extensive lounge access, high rewards, and joining bonuses. While the annual fee is considerable, it can be offset by significant spending. However, if you have lower spending habits or prioritize other features like wider card networks or travel insurance, explore other options in the market.
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