Best Airport Lounge Access Credit Cards in India

Credit cards are a great tool to build your credit score and to make shopping more convenient with cashless payments. On top of that, you also get attractive offers and reward points on every spend!

In this article, we look at the credit cards that give you access to domestic and international airport lounges.

Also Read: Top-Rated Credit Cards in India for 2026

Updated List of Best Credit Cards for Airport Lounge Access 2026

Almost 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 -

Details of Best Airport Lounge Access Credit Cards

Above, you saw a list of the top free lounge access credit cards in India in 2026. Now, let's look at their details. These are 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:

• 20% Scapia Coins on travel bookings made on the Scapia app

• 10% Scapia Coins on online and offline merchant transactions across India

• (5 Scapia coins = ₹1)
  Zero forex markup

• Options to travel now, pay later in EMIs

• Fuel charge waiver of 1%

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

• Earn up to 50,000 reward points worth ₹12,500 a year

• Earn 10,000 bonus reward points on annual spends of ₹3 Lakh and ₹4 Lakh

• Earn 15,000 bonus reward points on annual spends of ₹5 Lakh and ₹8 Lakh

• 5X reward points on dining, departmental stores, and grocery spends

• Enjoy a complimentary 1-year Club ITC Silver Tier Membership.

• Exclusive concierge services: Dedicated assistance on flower delivery, gift delivery, and online doctor consultation.

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

• Complimentary 1-year Club ITC Silver Tier Membership.

• Pizza Hut e-Voucher worth ₹1,000 on achieving spends of ₹50,000 in a calendar quarter

• E-Gift voucher worth ₹7,000 from Yatra.com/Pantaloons on achieving annual spends of ₹5 Lakh

• Complimentary 1-year Club ITC Silver Tier Membership

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:

• Track and control your organisation’s expenses with the Visa Intellilink spend management tool

• Fraud and travel insurance; lost card liability

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

• Fuel surcharge waivers

• Priority Pass Program membership at an annual charge of ₹180

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):

4 complimentary International Priority Pass Lounge visits; maximum 2 visits per quarter

Other Benefits & Features:

• Welcome e-gift voucher worth ₹3,000

• 12,000 bonus reward points on payment of annual fees

• 15 Reward Points on every ₹100 spent at online and retail landmark stores

• 10 Reward Points on every ₹100 spent at dining and movies

• 20 Reward Points per ₹100 spent on your birthday

• Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter

• E-Gift voucher worth ₹7,000 from Yatra.com/Pantaloons on annual spends of ₹5 Lakh

• Complimentary 1-year Club ITC Silver Tier Membership

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

• Up to 10X Reward Points on spending via SmartBuy

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

• Double reward points on weekend dining

• 5 Reward Points for every ₹150 spent

• 6 complimentary golf games every quarter

• Air accident insurance cover worth ₹2 Crore

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.

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 1,000 airports

• Complimentary Club Vistara Silver Tier membership

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

• ₹ 5,000 worth of flight vouchers on annual spends of ₹5 Lakh and an additional voucher of ₹5,000 on spends of ₹7.5 Lakh

• 5X reward points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital

• Complimentary Swiggy One and MMT Black Elite Membership on ₹1 Lakh+ spends in the first 90 days

ICICI Sapphiro Credit Card

The Sapphiro Credit Card offered by ICICI Bank is a great option if you are looking for an Indian credit card 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):

4 Domestic airport lounge accesses

Complimentary Airport Lounge Visits (International):

2 complimentary International airport lounge accesses

Other Benefits & Features:

• Get 4,000 reward points on ₹4 lakh spend and 2,000 for every additional ₹1 lakh spend

• 6x to 12x reward points on iShop

• Air accident insurance cover

• 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

• Get complimentary golf rounds every month

• Buy one ticket and get up to ₹500 off on the second ticket through BookMyShow

• 1% waiver on fuel transactions of up to ₹4,000

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:

• 25% off up to ₹100 on movie tickets, twice a month at BookMyShow and INOX

• 10% off on merchandise at the Manchester United online store

• The top 18 spenders every month receive a signed Manchester United jersey, branded football, or T-shirt.

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

• Up to 3 reward points on every ₹100 spent

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: ₹500 + GST

Annual Fee: ₹500 + GST

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

• 6x to 12x reward points on iShop

• Get 2,000 reward points on ₹2 Lakh spend and 1,000 for every additional ₹1 Lakh spend (max 10,000 points per Anniversary year)

• Discounts on movie tickets each on BookMyShow and INOX, twice a month

• 1% waiver on fuel transactions at all HPCL petrol pumps

Axis Bank MAGNUS Credit Card

Offered by 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:

• Welcome gift voucher worth ₹12,500

• 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

• Up to 30% discount at over 4,000 restaurants across India

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 ₹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 rewards on birthday spends

• Buy 1 get 1 offer on movie tickets of up to ₹125 (twice per month)

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

• Comprehensive travel insurance cover of  ₹22,500

• 1X Reward Points on Insurance premiums and utility bill payments

• Interest-free cash withdrawal from ATMs for up to 48 days

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 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

• 1% fuel surcharge waiver across all petrol pumps 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

• 1,500 reward points on joining fee payment

• 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

• 1% fuel surcharge waiver

• 1.8% railway surcharge waiver for spends made on IRCTC website and 2.5% for spends made on Indian Railways booking counters

Bank of Baroda Premier Credit Card

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

• 1% fuel surcharge waiver

• 3 lifetime free add-on cards

How to Check Airport Lounge Access on a Credit Card?

Reaching the airport early or have a layover and don’t know if you can access the lounge? All credit cards have some limited complimentary domestic and international lounge access. However, the rules and number of visits may vary depending on your card. 

So, how do you check if your card has lounge access? You can check it both online and offline. Let’s look at both the methods in detail.

Online Methods of Checking Airport Lounge Access on Credit Card 

This is the best way to check if your card has lounge access. There are multiple websites and portals to make it easy for you. We will discuss them one by one.

• Card Provider Website or App

If your credit card was issued to you by a bank or another credit provider, you can check access to lounges on their website. Just follow these steps to learn how to check airport lounge access on a credit card -

• STEP 1: Visit the official website of your bank or credit card provider.
• STEP 2: Go to the section on credit cards and choose the card you have. 
• STEP 3: You will find details about the number of lounge visits allowed and the eligible lounges.

You can follow the same steps on your bank or credit card provider’s official app.

• DreamFolks

DreamFolks is an airport lounge access program, and you can use its website to check if your credit card has airport lounge access. Follow these steps to do so -

• STEP 1: Visit the Dreamfolks official website and log in or sign up using your mobile number.
• STEP 2: Enter the details of the card whose airport lounge access you want to check.
• STEP 3: You will be able to see the number of airport lounge visits available to you as well as which lounges are accessible to you.

• Card Insider

You can also use the Card Insider app to check if your credit card grants access to the lounge you want to visit. Here are the steps to follow if you want to know how to check lounge access on your card - 

• STEP 1: Download the Card Insider app from Google Play or the App Store and install it.
• STEP 2: Create an account or log in using your mobile number.
• STEP 3: Go to the section where you can add credit cards and add the details of the card you want to check lounge access for.
• STEP 4: You will be able to see which lounges in which airports are accessible with your card. You can also search lounges across airports that your card has access to and also compare the amenities offered by them.

• Priority Pass

This will only work if your card is part of the Priority Pass program. You can check access on either the website or their official app. Follow the steps mentioned below -

• STEP 1: Download the Priority Pass app from the Play Store or the Apple Store. Or, visit their official website. 
• STEP 2: Log in using your username or membership number and password.
• STEP 3: Go to the section that has a list of lounges. Search for your lounge by airport or city. 
• STEP 4: You will be able to see how many complimentary visits you have left and if not, what the fees are for additional visits.

• Search Online

This is the simplest way to search if your card allows access to a certain lounge. Just type <card name> followed by the keyword <airport lounge access list>. You will get the official list on your bank or card provider’s website of the lounges that you have access to.

• LoungeAccess

You can use this website to check airport lounge access to Indian airports. It is fairly simple to use the website -

• STEP 1: Go to the official LoungeAccess website and search for your card in the search bar.
• STEP 2: You can also choose a specific airport from the drop-down menu on the left side of the search bar.

Offline Ways to Check Airport Lounge Access on a Credit Card

If you are already at the airport and are wondering, ‘how to check if my credit card has lounge access?’, you can do so through the offline method. 

Just walk to the reception desk of the lounge at the airport. Present your card to the officials, and they will let you know if you have complimentary visits to the lounge on your credit card. 

What to Look for in a Lounge Access Credit Card?

If you are choosing a credit card and airport lounge access is important to you, keep the following in mind:

• Not all credit cards provide complimentary lounge access.

• Unless you choose a premium credit card, lounge visits are restricted to a certain number of times per quarter. Check the details of the credit card before you apply.

• Check the conditions for receiving complimentary lounge access. Some cards only offer lounge access upon reaching certain spending milestones.

• If you travel with someone else, make sure your card gives complimentary visits to more than just the primary cardholder.

• Credit cards have different rules for international and domestic lounges.

Important Facts to Remember About Airport Lounge Access

Now that you know how to check airport lounge access on a credit card, there are certain other things that you should know about airport lounges -

• You get ample benefits like food, resting pods, washrooms, workstations, etc., in lounges.

• You will need to make a small transaction ranging from Rs.2 to Rs.25 when accessing the lounge. This is a refundable fee in most cases.

• The rules and regulations of lounges keep changing, and you must go through them before visiting a lounge.

• The name on the credit card should match the name on the boarding pass to be allowed access.

• There are certain time limitations and restrictions based on your flight timings. There is also a cap on the number of hours you can spend in a lounge. 

• Once you have used up your complimentary visits, you will have to pay regular charges if you want to visit a lounge.

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.