Try ROWTERMINATOR of '','+CHAR(10)+''', will need to build it dynamic, might be getting confused as relates to line feed carrage return

DECLARE @bulk_cmd varchar(1000);

SET @bulk_cmd = 'BULK INSERT Table

FROM ''C:\file.txt''

WITH (ROWTERMINATOR = '','+CHAR(10)+''', FIELDTERMINATOR = '','')';

EXEC (@bulk_cmd);