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
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!
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. |
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 -
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 |
|
|
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. |
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 |
|
| 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. |
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 |
|
| 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! |
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 |
|
| 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. |
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 |
|
| 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. |
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 |
|
|
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. |
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 |
|
| 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.*
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 |
|
|
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. |
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 |
|
|
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. |
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 |
|
| 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. |
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 |
|
| 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! |
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 |
|
|
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! |
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 |
|
|
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 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 |
|
|
Ideal User |
Good for both domestic and international flyers. However, this card is only available in select cities in India. |
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 |
|
|
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. |
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 |
|
|
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. |
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.
First, let’s learn how to check airport lounge access on a credit card using the online method. Here are some of them -
Your card might be a VISA, RuPay, or a Master Card, etc. You can go to their respective websites and log in to know the lounge programs your specific card offers.
You can visit your bank’s website and check the offers and benefits on your credit card.
You can also visit the website of the company managing the lounge that you are about to visit to check if your card has complimentary access.
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 -
Go to your bank or credit card issuer’s office to check the benefits offered by them.
You can also visit the inquiry kiosk of the lounge you are visiting with your credit card. They will check and let you know if you have complimentary access.
Upgrade to high-limit credit cards offering up to ₹5 Lakh.*
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.
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