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Bandhan Bank One Credit Card

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उत्पाद विवरण
क्रेडिट कार्ड का नाम

Bandhan Bank One Credit Card

Bank Name :

Bandhan Bank

प्रकार

Regular Credit Card

ब्याज दर

24.58% p.a.

पात्रता

Age: At least 18 years
Resident of India.

Bandhan Bank One Credit Card
पेशेवरों
  • Welcome Benefit: Users will get 500 reward points as a joining benefit.

  • Reward System: The value of 1 reward point is worth Rs. 0.30. Users will earn 1 reward point for every ₹150 spent. Effective cashback rate: 0.2%. 5 reward points for shopping in supermarkets, groceries, dining, and movies. Effective cashback rate: 1%. 

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

दोष
  • Limited features only.  

  • No airport lounge access facility is available.

  • Very basic credit card. 

पक्ष विपक्ष
Welcome Benefits

Users will get 500 reward points as joining benefits.

पुरस्कार प्रणाली

The value of 1 reward point is worth Rs. 0.30. Users will earn 1 reward point for every ₹150 spent. Effective cashback rate: 0.2%. 5 reward points for shopping in supermarkets, groceries, dining, and movies. Effective cashback rate: 1%.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

IFM- upto 3.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

None 

Eligibility Criteria

Age: At least 18 years
Resident of India.

फ़ायदे


  • Welcome bonus of 500 reward points.

  • Renewal fee waiver.

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

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • 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.

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: Users will get 500 reward points as a joining benefit.

  • Reward System: The value of 1 reward point is worth Rs. 0.30. Users will earn 1 reward point for every ₹150 spent. Effective cashback rate: 0.2%. 5 reward points for shopping in supermarkets, groceries, dining, and movies. Effective cashback rate: 1%. 

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

  • Limited features only.  

  • No airport lounge access facility is available.

  • Very basic 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.

Bandhan Bank One Credit Card

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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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.

ईंधन अधिशुक्ल

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

फीस एवं प्रभार
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