Bandhan Bank Xclusive Credit Card
Rewards & Benefits
Welcome Benefits
Customers get 1500 reward points as a joining benefit.
Milestone Benefits
Cashback Rate
1 reward point is worth Rs. 0.30.
3 reward points for every 150 spent. Effective Cashback Rate: 0.9%.
5 reward points for spending in supermarkets, dining, movies, and groceries. Effective Cashback Rate: 1%
Movie Benefits
Dining Benefits
Other 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. 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. 
Lounge Access
Fees & Charges
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
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.
दोष
Very basic credit card
No add-on features are available.
Limited offers and rewards are available.
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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Age: At least 18 years
Resident of India.
विशेष विशेषता, पात्रता और ला भ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
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: 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.
Very basic credit card
No add-on features are available.
Limited offers and rewards are available.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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