Best Credit Cards with Airport Lounge Access in India

Credit cards are a great way to build your credit score and make cashless payments. You can also get attractive offers and reward points on every spend. !

Learn which are the best domestic and international lounge access credit cards. 

Suggested Reading: Best Airport Lounge Access Debit Cards India

Credit Cards with Lounge Access

Air travel is more common now than it was a decade before. Given the convenience and the affordability, most people prefer this mode over others. Airport lounges are luxurious spaces to relax and rejuvenate during a layover or if you have extra time before your boarding. 

Major airports have lounges that charge a minimum amount for accessing them. You can use them for resting, relaxing, and enjoying quality food and beverages after paying the initial fees. 

The amount charged by various airport lounges depends on factors like the company managing the lounge, and if the lounge is in the domestic or international terminal. Free lounge access credit cards are an option that helps you skip the initial fee and enjoy the benefits.

List of Airport Lounge Access Credit Cards India

All banks offer credit cards with lounge access - both domestic and international. If you are someone who flies frequently, one of these cards can be a good choice for you -

Name of Credit Card and Bank Joining Fee Annual Fee 
SBI Card Elite Rs.4,999 + taxes Rs.4,999 + taxes
SBI Card PRIME Rs.2,999 + taxes Rs.2,999 + taxes
MAX SBI Card PRIME Rs.2,999 + taxes Rs.2,999 + taxes
HDFC Bank Diners Club Black Metal Edition Credit Card Rs.10,000 + taxes Rs.10,000 + taxes
HDFC Bank Regalia Gold Credit Card Rs.2,500 + taxes Rs.2,500 + taxes
ICICI Bank Sapphiro Credit Card Rs.6,500 Rs.3,500
Axis Bank MAGNUS Credit Card Rs.12,500 Rs.12,500
Axis Bank My Zone Credit Card Rs.500 Rs.500
IDFC First Select Credit Card Nil Nil
Kotak Mahindra Bank White Credit Card Rs.3,000 + taxes Rs.3,000
Kotak Mahindra Bank Zen Signature Credit Card Rs.1,500 Rs.1,500
Bank of Baroda Premier Credit Card Rs.1,000 + taxes Rs.1,000 + taxes

Details of Free Lounge Access Credit Cards

Now that you have a list of the top free lounge access credit cards, let us look at their details. We will look at the number of complimentary airport lounge visits each of these cards offer.

SBI Card Elite

Offered by the State Bank India, the SBI Card Elite is a versatile credit card for shoppers, movie buffs, and people who fly frequently. With hoards of milestone privileges and rewards, you will save a lot of money with this card. The SBI Card Elite also offers Club Vistara Silver and Trident Priviledge Red Tier memberships.  

Here are the major details of the card -

Joining Fee Rs.4,999 + taxes
Annual Fee Rs.4,999 + taxes; second year onwards
Complimentary Airport Lounge Visits (Domestic) 2 visits every quarter
Complimentary Airport Lounge Visits (International) 6 visits per calendar year; maximum 2 visits per quarter
Other Benefits & Features
  • Welcome e-gift voucher worth Rs.5,000

  • Free movie tickets worth Rs.6,000 every year

  • 2 reward points per Rs.100 on all spends, except fuel

Our Take: If you are a movie and shopping buff, this card can be a great choice for you. As far as airport lounges are concerned, you can access over 1000 airport lounges worldwide using this card. Offered by SBI at affordable rates, this can be your go-to credit card! 

SBI Card PRIME

The State Bank of India’s SBI Card PRIME is another domestic and international lounge access credit card that you can get at an affordable fee. You get Prime rewards for every spend and milestone benefits on spending Rs.50,000 in a year. You can also enjoy complimentary Trident Privilege Red Tier and Club Vistara Silver memberships.

Joining Fee Rs.2,999 + taxes
Annual Fee Rs.2,999 + taxes; second year onwards
Complimentary Airport Lounge Visits (Domestic) 8 visits per calendar year; maximum 2 visits per quarter
Complimentary Airport Lounge Visits (International) 4 visits per calendar year to International Priority Pass Lounges; maximum 2 visits per quarter
Other Benefits & Features
  • Welcome gift e-voucher worth Rs.3,000

  • 10 reward points per Rs.100 on all spends, except fuel

  • 20 reward points per Rs.100 spent on your birthday

Our Take: This card offers the maximum number of complimentary airport lounge visits in a year as compared to other SBI cards in this range. Additionally, getting extra reward points on your birthday is an added benefit!

Max SBI Card PRIME

The SBI Max Card PRIME is another credit card by the State Bank of India that offers 8 complimentary visits to any domestic airport lounges. The card also gives you freedom from paying the 1% fuel surcharge across all petrol pumps in India.

Joining Fee Rs.2,999 + taxes
Annual Fee Rs.2,999 + taxes; second year onwards
Complimentary Airport Lounge Visits (Domestic) 8 complimentary visits per year; maximum 2 visits per quarter
Complimentary Airport Lounge Visits (International) Nil
Other Benefits & Features
  • 12,000 bonus reward points on payment of annual fees

  • 15 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores

  • 10 Reward Points on every 100 Rs. spent at Dining & Movies


Our Take: This card lets you enjoy cumulative milestone benefits of up to 58,000 reward points that are worth Rs.14,500. The only drawback is that even though it has 8 complimentary domestic airport lounge visits, it doesn’t offer any international lounge visits. 

HDFC Diners Club Black Metal Edition Credit Card

The Diners Club Black Metal Edition Credit Card is a premium metal card that is one of the top options if you are searching for ‘airport lounge access credit cards India’. This card offers unlimited airport lounge access. Here are some other details about the card - 

Joining Fee

Rs.10,000 + taxes

Annual Fee

Rs.10,000 + taxes; spend Rs.8 Lakh in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

Unlimited

Complimentary Airport Lounge Visits (International)

Unlimited

Other Benefits & Features

  • Access to over 1300 airport lounges in India and worldwide for primary and add-on card members

  • 10,000 bonus reward points on spending Rs.4 Lakh every quarter

  • Double reward points on weekend dining

  • 5 Reward Points for every Rs.150 spent

Our Take: This HDFC credit card is one of the most premium metal cards in the country offering unlimited airport lounge visits. It even has golfing, dining, welcome, and milestone benefits that help you enjoy a luxurious lifestyle. 

HDFC Regalia Gold Credit Card

The Regalia Gold Credit Card by HDFC Bank offers complimentary lounge access to over 1000 airports, both domestic and international. You also get additional benefits under the Good Food Trail program. Here are some details of the card - 

Joining Fee

Rs.2,500 + taxes

Annual Fee

Rs.2,500 + taxes; spend Rs.4 Lakh in an anniversary year and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

12 complimentary access within India, both at domestic and international terminals

Complimentary Airport Lounge Visits (International)

6 visits per year using Priority Pass for you and add-on member. To get Priority Pass, you have to complete minimum 4 retail transactions on your credit card.

Other Benefits & Features

  • Lounge access at over 1000 airports

  • Club Vistara Silver Tier and MMT Black Elite membership 

  • Rs.1,500 worth vouchers on quarterly spends of Rs.1.5 lakh

Our Take: The HDFC Regalia Gold Credit Card is an affordable card with an affordable joining fee which is also repaid in gift vouchers of the equivalent amount. Enjoy milestone benefits, accidental insurance, reward points with this card too. The number of airport visits makes it a good budget credit card option!

ICICI Sapphiro Credit Card

The Sapphiro Credit Card offered by ICICI Bank is a great option if you are looking for free lounge access credit cards. Here are the number of visits this card offers -

Joining Fee

Rs.6,500

Annual Fee

Rs.3,500; spend Rs.6 Lakh in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

2 airport spa visits per year; 4 visits to select airport lounges per quarter

Complimentary Airport Lounge Visits (International)

2 visits per year

Other Benefits & Features

  • 20,000 reward points every anniversary year

  • 2 reward points on spends of Rs.100 for domestic products

  • 4 reward points on spends of Rs.100 for international products

  • 1 reward point on spends of Rs.100 for utilities and insurance

Our Take: This card has an added benefit of 2 complimentary domestic airport spa visits, apart from lounge visits. You also get discounts on movie tickets and complimentary rounds of golf. It can be a good choice under Rs.10,000.

Axis Bank MAGNUS Credit Card

Offered by the Axis Bank, here is a list of the airport lounge visits you can access on this card -

Joining Fee

Rs.12,500

Annual Fee

Rs.12,500; spend Rs.25 Lakh in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

Unlimited visits to select lounges

Complimentary Airport Lounge Visits (International)

Unlimited visits with 4 additional guest visits per year on Priority Pass Card

Other Benefits & Features

  • 12 reward points on per Rs.200 spent up to Rs.1.50 Lakh per month

  • 35 reward points on per Rs.200 spent above Rs.1.50 Lakh per month

  • 5X reward points on spends via Travel edge

Our Take: This card offers unlimited complimentary airport lounge visits, which makes it a great choice if you fly frequently. You get a complimentary luxury brand voucher worth Rs.12,500. With insurance benefits, and discounts on domestic and international Oberoi and Trident Hotels, as well as over 4,000 Indian restaurants, it is a great card if you love a luxurious life!

IDFC First Select Credit Card

The First Select Credit Card by IDFC First Bank is a lifetime-free card that has a host of benefits including complimentary lounge visits. As a cardholder, you can visit domestic airport lounges 2 times per quarter. The eligibility criteria for this card is an annual income of Rs.12 Lakh or more. 

Joining Fee

Nil

Annual Fee

Nil

Complimentary Airport Lounge Visits (Domestic)

2 visits per quarter, on spending Rs.20,000 every month

Complimentary Airport Lounge Visits (International)

Nil

Other Benefits & Features

  • 4 complimentary railway lounge visits per quarter

  • 3X Reward Points on Spends till ₹20,000 in a statement cycle

  • 10X Reward Points on crossing spends of ₹20,000 in a statement cycle & on your birthday

  • 1X Reward Points on Insurance premium and Utility bill payments

  • 3X Reward Points on rental and property management transactions

Our Take: If you are eligible for this card, you can get it for no joining fee whatsoever. With welcome benefits, roadside assistance, movie & dining discounts, and complimentary golf rounds, this card can be a good choice!

Kotak White Credit Card

Kotak Mahindra Bank offers the Kotak White Credit Card which allows you to experience luxury as you travel. Here are the number of complimentary airport lounge visits it offers -

Joining Fee

Rs.3,000 + taxes

Annual Fee

Rs.3,000; spend Rs.5 Lakh in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

8 Dream Folks lounge visits at select airports; maximum 2 per quarter

Complimentary Airport Lounge Visits (International)

4 visits per year, powered by Priority Pass

Other Benefits & Features

  • White Pass value of Rs.1,500 on spening Rs.30,000 within 60 days of card setup

  • White Pass value of Rs.27,000 every year on spending Rs.12 Lakh annually

  • Complimentary add-on card

Our Take: You are eligible for this card if you have an annual income of Rs.25 Lakh or more. It is only available to customers in select Indian cities and offers many benefits, including 8 domestic and 4 international airport lounge visits per year. 

This card from Kotak Mahindra Bank also allows you to convert any purchase above Rs.2,500 into easy EMIs, making it a very useful credit card. 

Kotak Mahindra Bank Zen Signature Credit Card

The Zen Signature Credit Card is another domestic and international lounge access credit card by Kotak Mahindra Bank. Here are the details -

Joining Fee

Rs.1,500

Annual Fee

Rs.1,500; spend Rs.1,50,000 in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

8 visits to select Dream Folks Lounges, maximum 2 every quarter

Complimentary Airport Lounge Visits (International)

3 visits to Priority Pass International Lounges per year; 4 purchase transactions (Online/Retail) to be carried out each calendar year to be eligible

Other Benefits & Features

  • Access to over 1300 airport lounges 

  • 10 reward points for every Rs.150 spent on shopping

  • 5 reward points for every Rs.150 spent on other expenses

  • 7,500 bonus points on crossing Rs.3 Lakh every year

  • 15,000 bonus points on crossing Rs.6 Lakh every year

Our Take: At just Rs.1,500, this card offered by Kotak Mahindra Bank is one of the most affordable ones. In fact, you also get a welcome gift of 1500 reward points. An adequate number of complimentary airport lounge visits, fuel, and railway surcharge waiver make this an attractive card to possess.

Bank of Baroda Premier Credit Card

The BoB Premier Credit Card is Bank of Baroda’s offering for travel enthusiasts who enjoy luxury. On this card, you get 4 complimentary airport lounge visits every year, a maximum of 1 every quarter.

Joining Fee

Rs.1,000 + taxes; spend Rs.10,000 in first 60 days and get first-year fee reversal

Annual Fee

Rs.1,000 + taxes; spend Rs.1,20,000 in 12 months and get the renewal fee waived for the next renewal year

Complimentary Airport Lounge Visits (Domestic)

1 visit every quarter

Complimentary Airport Lounge Visits (International)

Nil

Other Benefits & Features

  • 10 reward points for every Rs.100 spent on international travel and dining

  • 2 reward points for every Rs.100 spent on other categories

  • 1 reward point for every Rs.100 spent on select merchant points


Our Take: Even though this card from Bank of Baroda has only 1 domestic airport lounge visit per quarter, other benefits make it a mentionable credit card. You get a free add-on card and fuel surcharge waiver. It also offers free personal accidental death cover and you can convert any purchase of over Rs.2,500 into EMIs of 6 to 36 months.

Conclusion

If you are a frequent flyer, having credit cards with lounge access can make your travel more luxurious and comfortable. Airport lounges have internet access and ample charging stations for your devices. 

You can also enjoy the complimentary food and beverages offered there. The showers and restrooms are well maintained and some lounges also have entertainment options and spas available.

Airport lounges also have flight information displays so you don’t miss the flight you were waiting for. All in all, spending extra time in the lounge can be a comfortable experience.

To know if your card has complimentary airport lounge access, you can visit your bank’s website or the specific lounge’s website. You can also go to the kiosk and check with the reception counter.

Best Credit Cards with Airport Lounge Access in India - Related FAQs

Major banks provide credit cards that offer complimentary domestic and international airport lounge visits. The best card for you will depend on your preferences, your bank, and the eligibility criteria. 

You can check your bank’s website to know the benefits and features of your credit card, including the number of complimentary lounge visits allowed per year. You can also get in touch with your bank or visit the lounge website to check if your card has complimentary access. 

Most Priority Pass credit cards allow you to bring a guest with you for a fee, but there is a limit to it. 

All airport lounges have a reception or inquiry desk. All you have to do is present your card to the official and they will swipe it and let you use the lounge.

You can access the lounge 2-3 hours before your flight departure time. However, this depends on the lounge rules and regulations. Some lounges may have minimum stay requirements, which will be calculated based on your boarding time.

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