Bandhan Bank Standard Chartered Xclusive Credit Card Review

If you are looking for a credit card that can offer you benefits on fuel as well as daily expenses, then the bandhan bank standard chartered xclusive credit card. While this card charges Rs.2,999 as an annual fee, it lets you enjoy powerful rewards on every transaction, free access to airport lounges, attractive monthly waiver on fuel surcharges, This card works on the Visa platform and it has a monthly interest rate of 3.75%. More about the bandhan bank credit card details are discussed below.

Who can apply for the bandhan bank xclusive credit card?

• Resident Type: Indian. 
• For salaried person:
  • Age: 21 to 65 yrs. 
  • Income: Rs. 25,000 monthly. 

• For self-employed person:

• Age: 21 to 65 yrs. 
• Income: Rs. 25,000 monthly. 

• A good CIBIL Score (750) is required to apply for the bandhan bank card.

What documents are necessary for the bandhan bank standard chartered credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recently audited financial report. 

As per the new rules, all new bandhan bank credit cards are delivered in an inactive state, the users can activate them manually by generating a new PIN. You can find more about the bandhan bank credit card pin generation process from the 100xGain faq page.

What are the bandhan bank xclusive credit card fees?

• Bandhan bank credit card joining fee: Rs. 2,999 + GST
• Bandhan bank credit card annual fee: Rs. 2,999 + GST (can be waived off if Rs. 4 lakh within a year) 

What are the bandhan bank standard chartered credit card benefits?

• Start a wonderful journey with an exclusive welcome gift:

As you pay the joining fee of your bandhan bank xclusive credit card, you will receive an Rs. 3,000 Amazon gift voucher as a welcome gift. Also, as a part of the welcome gift, you will get several exclusive rewards throughout the first anniversary year.

• Get rewarded for every transaction:

for every single transaction made using this xclusive bandhanbank credit card benefits, you can earn reward points. The details are given below.

Category of transaction	Rate of earning reward points
Shopping, dining, movies, and groceries.	10 reward points for every Rs.150 transaction.
All other categories.	3 reward points for every Rs.150 transaction.

You can use those bandhan bank reward points to make payments for the stuff you buy. 

• Travel comfortably with complimentary lounge access:

This standard chartered credit card features up to 4 free accesses per quarter to most premium airport lounges. You can get a maximum of 8 free accesses per year.

• Get freedom from paying fuel surcharges:

Depending on your usage, you can get a handsome monthly waiver on fuel surcharges. You can track your credit card usage and benefits from the bandhan bank net banking account. 

• Earn extra benefits from milestone expenses:

On spending Rs.4 lakh within an anniversary year, you can get a complete waiver on your next year’s bandhan bank credit card annual fee. 

• Enjoy your card anywhere in the world:

This bandhan bank card is powered by Visa, which makes this card usable in over 200+ countries in the world. But if you use this card to make payment in a foreign currency, the cross-currency conversion charge will be applicable to the transaction amount.

• Enjoy the convenience of contactless payments:

With the advanced contactless payment facility, now you don’t need to go through the process of entering your PIN or waiting for the transaction to get authenticated. All you have to do is to place your card over any contactless-enabled POS machine, and your transaction will be completed within seconds. You can control the contactless bandhan bank credit card payment option from your bandhan bank app.

What are the bandhan bank credit card charges?

Particulars	Payable amount
Bandhan bank credit card atm withdrawal charges.	3% against the transaction amount, min Rs.300 (Check your available bandhan bank credit card limit before making a withdrawal)
Finance Charge.	Can go up to 3.75% monthly or 45% annually.
Bandhan bank credit card foreign transaction fee.	The bandhan bank credit card interest rate can go up to 3.5% against the transaction amount.
Bandhan bank credit card add-on card fee.	The bank will let you know at the time of application.

How to contact the bandhan bank customer care department?

• Call the bandhan bank credit card customer care number: 1800-258-8181 (Toll-free) or 033-4409-9090
• You can also write to the bandhan bank head office email id: customercare@bandhanbank.com 

100xGain Ratings: 

6/10

Final Opinion:

This card can be beneficial for those who want to use their card for daily uses, it offers 3 reward points for each Rs. 150 transactions, 4 lounge access per quarter, fuel surcharge waiver, annual fee waiver option, etc. 

But this card lacks in the dining and entertainment departments. So if you are one of those who love to watch movies at premium theatres or dine at premium restaurants, then you will get really disappointed with this card. 

But don’t worry, there are several credit cards available out there that can fit your requirements. Some of them are mentioned on the alternative card options given below.

Alternative Cards: 

1. Au bank zenith credit card (Best for offering lounge access and reward benefits) 
2. Axis Bank’s reserve credit card (Best for reward points and lounge access benefits)
3. IDFC First Bank Wealth Credit Card (Best for reward point and lounge access benefits) 
4. UBI Silver Credit card (Best for offering reward points)