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Bandhan Bank Xclusive Credit Card

Product Details
Credit Card Name : 

Bandhan Bank Xclusive 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 Xclusive Credit Card
Pros
  • Welcome Benefit: 1500 reward points as a joining benefit. 

  • Reward System: Customers get 3 reward points for every INR 150 spent, and 5 reward points for spending in supermarkets, dining, movies, and grocery. 

  • Other Benefits: Renewal fees are waived on annual spends of INR 90,000. 

Cons
  • Very basic credit card 

  • No add-on features are available. 

  • Limited offers and rewards are available. 

Pros & Cons
Welcome Benefits

Customers get 1500 reward points as a joining benefit. 

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

  • 3 reward points for every 150 spent 

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

  • Effective Cashback Rate: 0.9%

International Forex Markup

IFM- upto 3.5%

Welcome Benefits and Reward System
Special Features
  • Additional Rewards throughout the year.

Eligibility Criteria

Age: At least 18 years
Resident of India.

Benefits
  • Interest-free period of up to 55 days: You can enjoy an interest-free period of up to 55 days on your purchases. This means that you can pay for your purchases later without having to pay any interest. 

  • Welcome bonus of 3000 Reward Points: You will get a welcome bonus of 3000 Reward Points on the first usage of the card within 30 days. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more. 

  • Earn 5 Reward Points for every Rs. 150 spent: You will earn 5 Reward Points for every Rs. 150 you spend on fuel, grocery, dining, and supermarkets. 

  • Renewal fee waiver: The renewal fee of the card will be waived if you spend Rs. 4,00,000 in a year. Fuel surcharge waiver: You will get a fuel surcharge waiver of up to Rs. 300 per month. 

  • Zero liability protection: In case your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card. 

  • Rewards program: You will earn Reward Points on every purchase you make with your card. These points can be redeemed for various rewards, such as cashback, merchandise, flight tickets, and more.

Speical Feature, Eligibility and Benefits
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
Bandhan Bank Xclusive 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.

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 2999 

  • Annual Fees (2nd Year onwards) - INR 2999+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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