Credit Cards with Airport Lounge Access

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Best Airport Lounge Access Credit Cards in India

02 July 2025

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.

Also Read: Top-Rated Credit Cards in India for 2025

Our Recommendation

Before choosing a credit card, make a list of the things you spend most of your money on and how much you are willing to pay for a card. 

If you live a luxurious lifestyle and travel often, the HDFC Diners Club Black Metal Edition Credit Card and the Axis Bank MAGNUS Credit Card, with unlimited airport lounge access, would be the best options.

Looking for a mid-range credit card and are someone who needs more domestic lounge access and fewer international lounge access? Then the SBI Card Elite or the SBI Card Prime could be good options. 

Are you a beginner with credit cards and want a free card that will let you get benefits on utility bills? Then choose the Federal Bank Scapia Credit Card or the HDFC Bank Tata Neu Infinity Credit Card. These can also be good options as a second credit card!

Updated List of Best Credit Cards for Airport Lounge Access 2025

All banks offer credit cards with lounge access - both domestic and international. If you are someone who flies frequently, here is a list of the best airport lounge access credit cards in India -

Name of Credit Card and Bank Joining Fee Annual Fee  Airport Lounge Access Criteria for Access Guest Access Other Benefits
Federal Bank Scapia Credit Card
Nil Nil Unlimited Need to spend ₹10,000 every month Not complimentary 10% and 20% rewards on card spending and travel bookings, respectively 
SBI Card Elite ₹4,999 + taxes ₹4,999 + taxes 8 Domestic, 6 International None Not complimentary Free movie tickets, 2 reward points every ₹100 spent
SBI Card PRIME ₹2,999 + taxes ₹2,999 + taxes 8 Domestic, 4 International None Not complimentary 10 reward points on every ₹100 spent
SBI Platinum Corporate Card Nil Nil 8 Domestic None Not complimentary Fraud insurance, travel insurance, and lost card liability
MAX SBI Card PRIME ₹2,999 + taxes ₹2,999 + taxes 8 Domestic None Not complimentary Bonus reward points for paying annual fees, online and retail purchases, etc.
HDFC Bank Diners Club Black Metal Edition Credit Card ₹10,000 + taxes ₹10,000 + taxes Unlimited None Not complimentary Reward points on reaching milestones, weekend dining, etc.
HDFC Bank Tata Neu Infinity Credit Card ₹1,499 + taxes ₹1,499 + taxes 8 Domestic, 4 International None Not complimentary Welcome benefits, fuel surcharge waiver, accidental death cover, lost card liability cover, etc.
HDFC Bank Regalia Gold Credit Card ₹2,500 + taxes ₹2,500 + taxes 12 Domestic, 6 International None Complimentary only for add-on cardholders Club Vistara Silver Tier and MMT Black Elite membership, vouchers on reaching milestones
ICICI Bank Sapphiro Credit Card Rs.6,500 ₹3,500 2 to 4 Domestic, 2 International None Not complimentary Reward points on reaching milestones, purchases, and spending on utilities and insurance
ICICI Bank Manchester United Platinum Credit Card ₹499 + GST ₹499 + GST 4 Domestic None Not complimentary Discounts, fuel waivers, reward points
ICICI Bank Coral Credit Card Nil Nil 4 Domestic Need to spend ₹75,000 in the previous quarter Not complimentary Payback, movie ticket offers, etc.
Axis Bank MAGNUS Credit Card ₹12,500 ₹12,500 Unlimited None 4 additional guest visits per year Reward points on reaching milestones
IDFC First Select Credit Card Nil Nil 2 Domestic Need to spend ₹20,000 every month Not complimentary Reward points for paying utility bills, property management, insurance premiums, etc.
Kotak Mahindra Bank White Credit Card ₹3,000 ₹3,000 8 Domestic, 4 International None Not complimentary White Pass offers, complimentary add-on card, etc.
Kotak Mahindra Bank Zen Signature Credit Card ₹1,500 ₹1,500 8 Domestic, 3 International Need to complete 4 online or offline retail transactions in a calendar year Not complimentary Reward points and bonus points for reaching milestones
Bank of Baroda Premier Credit Card ₹1,000 + taxes ₹1,000 + taxes 4 Domestic None Not complimentary Reward points for spending on travel, dining, point of sale, etc.

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Credit Card for Airport Lounge Access

Details of Best Airport Lounge Access Credit Cards

Now that you have a list of the top free lounge access credit cards in India in 2025, let's look at their details. We will look at the high-rated credit cards in India that give the best benefits -

Federal Bank Scapia Credit Card

This credit card is offered in collaboration between Federal Bank and Scapia Technology Pvt. Ltd. It is an upcoming co-branded card and is an unlimited lounge access credit card.

Let’s look at the major details of the card -

Joining Fee

Nil

Annual Fee

Nil

Complimentary Airport Lounge Visits (Domestic & International)

Unlimited, if you spend ₹10,000 on the card every month

Other Benefits & Features

  • 10% rewards on all card spending

  • 20% rewards on all travel bookings using the card

  • Zero forex markup 

  • Options to travel now, pay later in EMIs 

Ideal User

This card is great if you are a frequent traveler, as you can book flights, trains, buses, hotels, visas, etc., and get rewards for them. 

SBI Card Elite

Offered by the State Bank of India, the SBI Card Elite is a complimentary airport lounge access credit card in India. The SBI Card Elite also offers Club Vistara Silver and Trident Privilege Red Tier memberships.

Here are the major details of the card -

Joining Fee ₹4,999 + taxes
Annual Fee ₹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 ₹5,000

  • Free movie tickets worth ₹6,000 every year

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

Ideal User

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 1,000 airport lounges worldwide using this 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 ₹50,000 in a year. You can also enjoy complimentary Trident Privilege Red Tier and Club Vistara Silver memberships.

Joining Fee ₹2,999 + taxes
Annual Fee ₹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 ₹3,000

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

  • 20 reward points per ₹100 spent on your birthday

 Ideal User

This card offers the maximum number of complimentary airport lounge visits in a year as compared to other SBI cards in this range. 

Additionally, you can get extra reward points on your birthday!

SBI Platinum Corporate Card

The SBI Platinum Corporate Card is a card that is globally accepted by over 38 million outlets across the world. It is accepted by over 3 million outlets in India as well. 

The credit card and lounge access eligibility criteria are being an Indian citizen between the ages of 18 and 70. For add-on card eligibility, you must be at least 15 years of age.

Joining Fee Nil
Annual Fee Nil
Complimentary Airport Lounge Visits (Domestic) 8 visits per calendar year; maximum 2 visits per quarter 
Complimentary Airport Lounge Visits (International) Nil
Other Benefits & Features
  • Category and limit control 

  • Fraud and travel insurance; lost card liability

  • Interest-free credit for up to 20-25 days

  • Railway ticket surcharge waivers

  • Fuel surcharge waivers

Ideal User

If you want a safe and secure corporate credit card with accessible credit, this would be a great option for you. Get attractive benefits and enjoy up to 8 complimentary domestic lounge visits in a year.

Max SBI Card PRIME

The SBI Max Card PRIME is another great domestic airport lounge access credit card by the State Bank of India. The card also gives you freedom from paying the 1% fuel surcharge across all petrol pumps in India.

Joining Fee ₹2,999 + taxes
Annual Fee ₹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 spent at Online & Retail Landmark Stores

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

Ideal User

If you are someone who flies often on domestic flights, but doesn’t take many international flights. This card is also great for you if you enjoy milestone benefits. 

You can enjoy cumulative milestone benefits of up to 58,000 reward points worth ₹14,500. 

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 ‘best airport lounge access credit cards India’. This card offers unlimited airport lounge access. Here are some other details about the card - 

Joining Fee

₹10,000 + taxes

Annual Fee

₹10,000 + taxes; spend ₹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 ₹4 Lakh every quarter

  • Double reward points on weekend dining

  • 5 Reward Points for every ₹150 spent

Ideal User

This card is ideal for people who enjoy a luxurious lifestyle. If you enjoy golfing, dining, welcome benefits, and milestone benefits, this premium metal card is best for you. 

You also get unlimited airport lounge visits.

HDFC Bank Tata Neu Infinity Credit Card

The HDFC Bank Tata Neu Infinity Credit Card is an affordable card perfect for global citizens. You get the welcome benefits of 1,499 NeuCoins on the Tata Neu App. It is applicable on the first transaction made within 30 days of card issuance. You can claim it in the Tata Neu App within 60 days.

For this credit card that allows lounge access, the eligibility criteria are having a monthly income of at least ₹1 Lakh. The eligibility criteria for self-employed Indian nationals are an ITR of a minimum of ₹12 Lakh per annum.

Joining Fee ₹1,499 + taxes
Annual Fee ₹1,499 + taxes; spend ₹3 Lakh in 12 months and get the renewal fee waived for the next year
Complimentary Airport Lounge Visits (Domestic) For VISA/RuPay cards, get 8 complimentary visits per year; 2 every quarter
Complimentary Airport Lounge Visits (International)
For VISA/RuPay cards, get 4 complimentary visits per year; 1 every quarter
Other Benefits & Features
  • Get 1,499 NeuCoins on the Tata Neu App as a welcome benefit

  • 1% fuel surcharge waiver at all fuel stations across India

  • Contactless payment options

  • Accidental air death cover of ₹1 Crore, emergency overseas hospitalization cover up to ₹15 Lakh, and​​​​​​​ lost card liability cover of up to ₹9 Lakh

Ideal User

This card is great for people who travel overseas and enjoy benefits on regularly used apps. The reward points that you get can be claimed in Air India Express, Bigbasket, Westside, TATA 1 MG, and many other brands.

Upgrade to high-limit credit cards offering up to ₹5 Lakh.*

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. This is a complimentary airport lounge access credit card in India that allows access to the add-on member as well.

Here are some details of the card - 

Joining Fee

₹2,500 + taxes

Annual Fee

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

Complimentary Airport Lounge Visits (Domestic)

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

Complimentary Airport Lounge Visits (International)

6 visits per year using Priority Pass for you and an add-on member. To get Priority Pass, you have to complete a minimum of 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 

  • ₹1,500 worth of vouchers on quarterly spends of ₹1.5 Lakh

Ideal User

If you are looking for an affordable card with great milestone benefits, accidental insurance, and reward points, this is for you. It's also great for you if you are a frequent flyer, as it gives ample complimentary access to airport lounges. 

ICICI Sapphiro Credit Card

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

Joining Fee

₹6,500

Annual Fee

₹3,500; spend ₹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 ₹100 for domestic products

  • 4 reward points on spending of ₹100 for international products

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

Ideal User

Are you someone who enjoys spa visits along with lounge visits? Do you also enjoy movies and golf? Then this card is a great option for you. 

ICICI Bank Manchester United Platinum Credit Card

The ICICI Bank Manchester United Platinum Credit Card is a great choice for people looking for domestic airport lounge access credit cards in India. 

Joining Fee ₹499
Annual Fee ₹499; spend ₹1,25,000 in 12 months and get the renewal fee waived for the next renewal year
Complimentary Airport Lounge Visits (Domestic) 4 complimentary airport lounge visits per year; 1 per quarter
Complimentary Airport Lounge Visits (International) Nil
Other Benefits & Features
  • 20% discount, up to ₹100, on cinema tickets 

  • 1% fuel waiver, on spending a maximum of ₹4,000 at all HPCL pumps

  • Up to 3 reward points on every ₹100 spent

Ideal User

Frequent domestic flyer, and want discounts on fuel, movie tickets, and high reward points? Then this card would be great for you! 

You can also stand a chance to win Manchester United merchandise.

ICICI Bank Coral RuPay Credit Card

The ICICI Bank Coral RuPay Credit Card belongs to the Gemstone Collection. You can get attractive offers and payback points on making specific purchases. Lounge access is complimentary if you spend more than ₹75,000 in the previous three months.

This is another domestic airport lounge access credit card in India.

Joining Fee Nil
Annual Fee Nil
Complimentary Airport Lounge Visits (Domestic) 4 complimentary domestic airport lounge visits, 1 per quarter on spending ₹75,000 in the previous quarter
Other Benefits & Features
  • Complimentary airport and railway lounge access on spending ₹75,000 in the previous 3 months

  • Get 2,000 payback points on spending ₹2 Lakh every year

  • Get 1,000 payback points on every transaction above ₹1 Lakh in an anniversary year

  • Movie ticket offers

Ideal User

Want both airport and railway lounge access? Want payback points and movie ticket offers? Then this card will be a great option for you!

Axis Bank MAGNUS Credit Card

Offered by the Axis Bank, this card offers guest lounge access with a credit card. The guest access is available only for the international airport lounge access. 

Joining Fee

₹12,500

Annual Fee

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

Complimentary Airport Lounge Visits (Domestic)

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

Complimentary Airport Lounge Visits (International)

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

Other Benefits & Features

  • 12 reward points for per ₹200 spent up to ₹1.50 Lakh per month

  • 35 reward points for per ₹200 spent above ₹1.50 Lakh per month

  • 5X reward points on spends via Travel Edge

Ideal User

This is great for frequent flyers and travel buffs who love their luxury. With unlimited airport lounge visits, discounts on big hotels and restaurants, get access to the life you dream of! 

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. This is not an international airport lounge access card. 

The eligibility criteria for this card are an annual income of ₹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 premiums and Utility bill payments

  • 3X Reward Points on rental and property management transactions

Ideal User

For people who utilize both domestic railway and airport lounges. This card is great for people who will use the card for utility payments, insurance premiums, and rental and property management transactions.

Kotak Mahindra Bank White Credit Card

Kotak Mahindra Bank offers the Kotak White Credit Card, which allows you to experience luxury as you travel. It offers credit card rewards and lounge access. Here is the number of complimentary airport lounge visits it offers -

Joining Fee

₹3,000 + taxes

Annual Fee

₹3,000; spend ₹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 ₹1,500 on spending ₹30,000 within 60 days of card setup

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

  • Complimentary add-on card

Ideal User

Good for both domestic and international flyers. However, this card is only available in select cities in India. 

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. It is one of the best airport lounge access credit cards in India, and here are its details -

Joining Fee

₹1,500

Annual Fee

₹1,500; spend ₹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 ₹150 spent on shopping

  • 5 reward points for every ₹150 spent on other expenses

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

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

Ideal User

This card is great for people looking for an affordable credit card with enough domestic and international airport lounge visits. Apart from that, there are various bonus points available on reaching milestones.

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 domestic airport lounge visits every year, a maximum of 1 every quarter. This is not an international airport lounge access credit card.

Joining Fee

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

Annual Fee

₹1,000 + taxes; spend ₹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 ₹100 spent on international travel and dining

  • 2 reward points for every ₹100 spent on other categories

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

Ideal User

Super affordable credit card for people who don’t travel that often. However, other benefits like an add-on card, personal accident death cover, and EMI options make it a good credit card for beginners or as a second card.

Get Approved for High Limit Credit Cards – Up to ₹5 Lakh!

Spend more and earn more rewards!

Credit Card for Airport Lounge Access

How to Check Airport Lounge Access on Credit Card?

You can easily check if your credit card has airport lounge access through online and offline methods. Let’s look into the methods one by one. 

How to Check Airport Lounge Access on Credit Card Using the Online Method?

First, let’s learn how to check airport lounge access on a credit card using the online method. Here are some of them -

How to Check Lounge Access on Credit Card through the Offline Method?

Now let’s look at how to check airport lounge access on your credit card using the online method. The following are a few ways -

Upgrade to high-limit credit cards offering up to ₹5 Lakh.*

Conclusion

Air travel is more common now than it was a decade ago. 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 flight. 

You can use them for resting, relaxing, and enjoying quality food and beverages after paying the initial fees. 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.

Major airports have lounges that charge a minimum fee for accessing them. The amount charged by various airport lounges depends on factors like the company managing the lounge and whether 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. 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 for Airport Lounge Access In India - Related FAQs

Most banks offer credit cards that have complimentary airport lounge access. HDFC Bank, Axis Bank, and SBI have various cards that cater to different kinds of spending habits and lifestyles.
Most Priority Pass credit cards allow you to bring a guest with you for a fee, but there is a limit to it. However, the Axis Bank MAGNUS Credit Card allows you to bring guests with you up to 4 times in a year. 
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.
Generally, unused lounge visits do not carry over to the next year. It's important to check your card's terms and plan your travel accordingly to maximize benefits

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