Airport lounges are special spaces where passengers awaiting their flights can rest. Lounges are generally much more comfortable than the waiting areas.
While access to airport lounges is typically reserved for first and business-class travelers or those with elite frequent flier status, several debit cards in India like the IDFC FIRST Wealth Debit Card, ICICI Bank Platinum Debit Card, and the HDFC Bank Infiniti Debit Card, offer lounge access as a perk.
In this article, we will look at the debit cards that provide complimentary airport lounge access to cardholders.
Here’s a small peek at some of the best debit cards that offer complimentary airport lounge access!
|
Sl. no. |
Debit Card |
Complimentary Airport Lounge Access |
Annual Fee |
Joining Fee |
Other Benefits |
|---|---|---|---|---|---|
|
1 |
ICICI Bank Platinum Debit Card |
1 domestic lounge access per quarter |
₹300 + GST |
₹300 + GST |
1 to 2 reward points on every ₹200 spent, tap and pay, zero liability protection |
|
2 |
ICICI Bank Sapphiro Debit Card |
4 airport lounge access per quarter |
₹2,499+ GST |
₹2,499 + GST |
4 to 8 reward points on every ₹200 spent, tap and pay, movie discounts |
|
3 |
ICICI Bank Coral Paywave Debit Card |
Up to 2 airport lounge accesses per quarter on spends of ₹10,000 in the previous quarter |
₹699 + GST |
₹699 + GST |
2 to 4 reward points on every ₹200 spent, movie ticket offers, tap and pay |
|
4 |
ICICI Bank Coral Plus Debit Card |
2 lounge visits per financial quarter for a spend of ₹10,000 in the previous quarter |
₹2,499 + GST |
₹2,499 + GST |
2 to 4 reward points on every ₹200 spent, movie ticket offers, tap and pay |
|
5 |
HDFC Bank Millennia Debit Card |
4 Domestic Airport Lounge access annually |
₹500 + applicable taxes |
Nil |
2.5% cashback points on online spending, 1% cashback on offline spending, and reloading the wallet |
|
6 |
HDFC Bank Infiniti Debit Card |
4 complimentary lounge visits per quarter |
₹2,500 + applicable taxes |
Nil |
Taj Vouchers worth ₹7,500 each quarter on spending ₹3 Lakh or above in a quarter, tap and pay |
|
7 |
IndusInd World Exclusive Debit Card |
1 domestic & international lounge access per quarter |
Nil |
Nil |
2 to 6 reward points on every ₹200 spent, based on the total spent amount, and ₹4,000 worth of annual movie tickets |
|
8 |
IndusInd VISA Signature Exclusive Debit Card |
1 domestic & international lounge visit per quarter |
Nil |
Nil |
2 to 6 reward points on every ₹200 spent, based on the total spent amount, and ₹4,000 worth of annual movie tickets |
|
9 |
Axis Bank Priority Debit Card |
2 domestic airport lounge access per quarter and 2 international complimentary lounge visits per year, based on a minimum spend of ₹5,000 in the past 3 months |
Nil for priority customers, ₹750 + applicable taxes for remaining people |
25% off up to ₹350 per month on movie tickets purchased from BookMyShow |
|
|
10 |
Axis Bank Delight Debit Card |
1 complimentary domestic airport lounge visit per quarter, based on a minimum spend of ₹5,000 in the past 3 months |
₹1,500 |
₹1,500 |
Up to 25% off on all Swiggy orders, 15% discount up to ₹500 on spending ₹2,500 under Dining Delights |
|
11 |
Axis Bank Burgundy Debit Card |
3 domestic lounge visits per quarter |
Nil, however, an annual fee of ₹1,500 + tax if the Burgundy status is not maintained |
Buy one, get one free on movie ticket purchases through BookMyShow |
|
|
12 |
IDFC FIRST Wealth Debit Card |
3 domestic (with companion) and 2 international airport lounge visits per quarter |
Nil |
Nil |
Roadside assistance and complimentary concierge services, and 1 complimentary golf access per month |
|
13 |
YES Prosperity Platinum Debit Card |
1 domestic airport lounge per quarter |
₹599 + GST |
Nil |
4 reward points on every ₹200 spent, 1% fuel surcharge waiver |
|
14 |
Kotak Privy League Signature Debit Card |
2 free accesses per calendar quarter |
₹750 per year |
2.5% fuel surcharge waiver, Discounts across categories like lifestyle, fine dining, health, fitness, and travel |
|
|
15 |
Bank of Baroda EaseMyTrip Debit Card |
8 domestic and 2 international lounge visits per year |
₹599 + taxes |
₹599 + taxes |
₹250 off every quarter on buying any tickets from BookMyShow, a voucher worth ₹250 every quarter on shopping from Big Basket, Blinkit, or Flipkart |
|
16 |
2 complimentary domestic airport lounge visits per calendar quarter (up to 8 per year) |
₹850 + taxes |
₹850 + taxes |
25% discount on tickets booked through BookMyShow; 5 cashback points on every international spend of ₹200 |
|
|
17 |
4 complimentary international lounge access per year, 8 domestic lounge access (two per quarter) |
₹1,500 + taxes |
Nil |
1 reward point for every ₹100 spent; 15% off on food and dining; Buy-One-Get-One offer on BookMyShow |
|
|
18 |
2 complimentary domestic airport lounge visits per calendar quarter |
Nil |
Nil |
ATM cash withdrawal limit of ₹5 Lakh and purchase limit of ₹10 Lakh; ₹50 Lakh of Personal Accident Insurance coverage |
|
|
19 |
2 complimentary international airport lounge access per year, and 1 domestic lounge visit per quarter |
₹1000 + applicable taxes |
Nil |
1 reward point per ₹200 spent; 1 complimentary 12-month Amazon Prime or Hotstar membership or Sony Liv membership every year |
|
|
20 |
3 domestic and 2 international complimentary lounge access per quarter |
Nil |
Nil |
5X rewards on eligible spends of ₹200; up to 4 complimentary movie tickets worth up to ₹750 per month; 4 non-movie tickets worth up to ₹1,000 per month |
|
Now let’s examine these debit cards to check which one will be the best for you.
The first 4 debit cards we will discuss are from ICICI Bank. They all have benefits like complimentary lounge access, high withdrawal limits, insurance, and zero liability protection. Additionally, they also offer ICICI Bank rewards, better tracking, and itemized billing.
The top features of each card are listed below -
The Platinum Debit Card, offered by ICICI Bank, offers reward points, fuel surcharge waivers, itemized billing, and a lot more!
|
Up to 1 complimentary domestic airport lounge visit per quarter per card at participating lounges. |
Other benefits of this card -
ICICI Bank's Sapphiro Debit Card offers travel and entertainment benefits at a yearly fee of ₹1,999 + GST.
|
Up to 4 complimentary airport lounge visits per quarter at participating airports. |
Learn what else this card offers -
The Coral Paywave Debit Card by ICICI Bank is an affordable debit card for a joining and annual fee of just ₹699 + GST.
|
Up to 2 complimentary airport lounge accesses per quarter on spending ₹10,000 in the previous quarter |
Here are other things this card offers -
The Coral Plus Debit Card offered by ICICI Bank is another debit card that allows complimentary airport lounge access.
|
Up to 2 complimentary airport lounge accesses per quarter on spending ₹10,000 in the previous quarter |
Let's learn about the benefits and conveniences this card offers -
HDFC Bank offers a variety of debit cards to its customers based on their requirements. You can get offers on Swiggy, BookMyShow, and cashback on international spending. Here we will talk about two debit cards offered by HDFC Bank.
The Millenia Debit Card by HDFC Bank has cashback points, as well as offers on offline spending and wallet reloads.
|
4 complimentary domestic lounge access yearly or 1 per quarter on spending more than ₹5,000 in the previous quarter |
Here is a list of all offerings of this card -
HDFC Bank's Infiniti Debit Card offers benefits across shopping, travel, insurance, and much more.
|
16 complimentary domestic lounge access yearly or 4 per quarter |
Take a look at this list to know what else this card offers -
IndusInd Bank debit cards offer welcome benefits, discounted cross-currency markup, etc. They also offer free movie tickets when booking through BookMyShow. Now, let’s look at the top debit cards offered by IndusInd Bank.
The IndusInd Bank World Exclusive Debit Card offers domestic and international lounge access and complimentary golf lessons.
|
1 complimentary lounge access at selected Domestic and International Airports per quarter on spending a minimum of ₹5,000 in the previous spend period |
Here is a list of all offers on this card -
The VISA Signature Exclusive Debit Card by IndusInd Bank is a lifetime free debit card. It offers complimentary lounge access and discounts on movie tickets.
|
1 complimentary lounge access at selected Domestic and International Airports per quarter on spending a minimum of ₹5,000 in the previous spend period |
Let’s look at the other offers on this card -
The Axis Bank offers various debit cards, such as basic, premium, value-added, and segmented cards. They also have various co-branded cards for you to choose from. The following three cards are the best choices if you are interested in complimentary airport lounge access.
The Priority Debit Card, offered by Axis Bank, offers premium privileges and services designed exclusively for priority customers. However, even non-priority customers can avail of these offers by paying a yearly fee of ₹750.
|
2 complimentary access to domestic airport lounges per quarter, and 2 complimentary access to international airport lounges per year, on spending ₹5,000 in the previous 3 months |
Other benefits of this card -
Make the most out of your transactions with handpicked offers on the Axis Bank Delight Debit Card. Enjoy various offers on food and entertainment, including Swiggy, TATA Cliq, and BookMyShow.
|
1 domestic airport lounge visit per quarter on spending ₹5,000 in the previous 3 months. If your card is new, this criterion is not required for the month of issuance and the following 3 months. |
Here are the other offers on this card -
The Axis Bank Burgundy Debit Card gives you high limits for daily ATM withdrawals and POS spending. The benefits of Axis Bank’s Burgundy Debit Card include free ATM withdrawals from any Bank’s ATMs across the globe, complimentary movie tickets, and access to exclusive airport lounges.
|
3 domestic airport lounge visits per quarter, 4 international airport lounge visits per year, 1 guest visit per quarter at domestic airport lounges. (This will be available only if you spend ₹5,000 in the previous 3 months on your card.) |
Other benefits of this card -
In the next section, we will talk about other banks’ debit cards that have airport lounge access.
The IDFC FIRST Wealth Debit Card gives you high limits for daily ATM withdrawals and POS spending. This is one of the few debit cards on this list that allows one guest to access the airport lounge with the cardholder.
|
Access domestic airport lounges 3 times in a quarter with your companion, and access international airport lounges up to 2 times per calendar quarter. This is only for the cardholder; however, guests can be brought by paying extra. |
Other offers on this card -
Offered by Yes Bank, the Yes Prosperity Platinum Debit Card has welcome offers, wider access, and contactless payments.
|
1 complimentary domestic airport lounge access |
Here are some more benefits of this card -
The Privy League Signature Debit Card is only issued to Privy League Platinum and Black customers. It has offers on lifestyle, fine dining, travel, fitness, etc.
|
1 visit per calendar quarter to selected domestic or international airport lounges. This is only applicable if you spent ₹5,000 in the previous month on the card. |
Other offers on this card -
The Bank of Baroda EaseMyTrip Debit Card is a co-branded debit card. This card offers unparalleled convenience and discount offers on both trips and everyday spending.
|
2 complimentary domestic airport lounge access in a quarter, a total of 8 in a year, and 2 complimentary international airport lounge access in a year |
Other benefits offered by this card are -
The HDFC Bank Platinum Debit Card is one of HDFC Bank's most popular debit cards. It provides privileges like cashback rewards, airport lounge access, and high spending limits.
|
2 complimentary domestic airport lounge visits per calendar quarter (up to 8 per year) |
Other benefits offered by this card are -
The Federal Bank Celesta debit card is Federal Bank’s top-tier, invitation-only premium debit card offered exclusively to high-net-worth individuals (HNIs) and customers enrolled in the Celesta Savings/Family Banking Account program.
|
4 complimentary international lounge access per year, and 8 domestic lounge access per year (two per quarter) |
Other benefits offered by this card are -
The IDFC FIRST Select Debit Card is a lifetime free debit card issued on the Visa Infinite payment network. It is designed for customers enrolled in the IDFC FIRST Select Savings Account program and offers travel, insurance, and lifestyle benefits.
|
2 complimentary domestic airport lounge visits per calendar quarter |
Other benefits offered by this card are -
The Canara Bank RuPay Select debit card is issued on the indigenous RuPay network. It offers domestic travel perks, global acceptance, and domestic and international airport lounge access.
|
2 complimentary international airport lounge access per year, and 1 domestic lounge visit per quarter |
Other benefits offered by this card are -
The Bandhan Bank Legacy Debit Card is tailored for clients enrolled in their Legacy Savings Account program. It offers international and domestic travel benefits, high transaction ceilings, and a zero cross-currency markup structure.
|
Complimentary 3 domestic and 2 international lounge access per quarter |
Other benefits offered by this card are -
Not all debit cards have access to all the airport lounges. Lounges normally have long queues of people waiting to get inside. It can be a waste of time to stand in the queue just to find out that your card does not have access.
Fret not, you can find out beforehand if your card has access or not. If you want to know ‘how to check if my debit card has lounge access’ before going to the airport, there are three ways. The online methods are discussed here.
Debit cards are issued by companies that are mentioned on your card. The most common ones in India are the Visa card, MasterCard, and RuPay debit cards.
You can check which issuer your card is and visit their website. There you will find a list of all the airport lounges, along with the locations where your specific card has access.
Please note that cards also have subtypes like gold, platinum, etc. Make sure to check those details on your card for precise information on accessibility.
Most of us use bank websites for queries and add-on services. In today’s busy times, hardly anyone visits the bank branches anymore. Bank websites also have a plethora of information to help their customers.
You can log into your bank’s official website to check which lounge is accessible with your card. Again, make sure to check the type of card you possess to avoid any confusion.
Dreamfolks is one of India’s airport service aggregator platforms. They facilitate lounge access across the country’s airports.
Want to know ‘how to check airport lounge access on debit card’ through the DreamFolks website? Just follow the steps mentioned below -
STEP-1: Log in to the DreamFolks website with your mobile number.
STEP-2: Go to the ‘Add Card’ option and enter your card details as prompted. They will charge a non-refundable fee of ₹2 for the process.
STEP-3: Once you complete the payment, click on ‘Browse’ to know the locations where you can access the airport lounges.
STEP-4: You can click on ‘Details’ to get more information. You can also click on ‘Access Now’ to generate a QR code that can be used during your entry into the chosen airport lounge.
Please note that if you see a pop-up message saying that your card is not supported, it means that your card does not have access to airport lounges. However, sometimes you might see the message even when your card can be used at airport lounges.
This might be because DreamFolks does not have information about your specific card type. In that case, you can try the other methods mentioned here to check your access.
If you have been unable to access your account using the methods mentioned above, or do not have access to the internet, there are still other ways. You can use these offline methods to check if you have access to the airport lounges.
Your bank’s customer care service can help you with the information you need regarding add-on services related to your bank account and debit cards.
You can call customer care and give the details of your card to know if your card has airport lounge access. You will need to tell the executive about the type of card you have.
The best information regarding airport lounge access is with the kiosk outside the lounge you want to visit. You can present your card to the executive present in the kiosk, and they will tell you if your card can be used to access the lounge.
Each debit card offers a varying number of lounge accesses. Be aware of how many times you can use the complimentary access and where.
It is possible to swipe the same card twice or three times in a month if your quarterly quota for multiple swipes per card has not been used up.
In case you have not used your complimentary access in one quarter, it will not carry forward to the next
If your monthly or quarterly lounge access allotment has been reached, you can still use the lounge amenities by swiping your card and paying the necessary fees.
Most banks give you a debit/ATM card as soon as you open a bank account. Still, here are some things you should check before choosing a debit card -
Most debit cards are free, but some have a nominal joining and annual fee. Check if the charges are worth it.
Make sure that the card you choose has offers in categories that are useful to you. They should be things you usually spend on.
The number of complimentary lounge access provided by a debit card is also a major point to consider. Also, check if you can take a guest with you.
The question can be answered by considering how many complimentary visits you get, how many airports will provide the lounge access, and other exclusive offers:
Number of Visits: Premium credit cards often offer more complimentary lounge visits per year compared to debit cards.
Global Coverage: Credit cards often provide access to a larger network of lounges worldwide. Debit cards may offer access to fewer lounges that are restricted to domestic airports or select international locations.
Exclusive Offers: Credit cards may offer additional perks within lounges, such as guest access or higher-quality lounges, that are usually not available with debit cards.
Just like credit cards, debit cards also offer complimentary lounge access. If you’re a person who finds credit cards complicated, you can get your favourite debit card. However, there will be a limitation on which debit card you can get, depending on the type of bank account you have.
Unlike credit cards, you need to have a bank account with the bank whose debit card you want. This is because debit cards are connected to your bank account, and you can only use the funds available in your account.
Pick the right card for yourself and save funds, redeem offers, and enjoy cashback! Check out the top credit cards for airport lounge access here.News Update
Punjab National Bank (PNB) has announced that it will discontinue unconditional complimentary airport lounge access for RuPay Platinum debit cardholders effective April 1, 2026.
Starting April 15, 2026, the bank will transition to a spend-based model where customers must spend at least ₹5,000 on POS or e-commerce transactions in the previous quarter to qualify for lounge benefits in the subsequent quarter.
(As reported by The Economic Times on February 10, 2026)
News Update
Effective January 10, 2026, HDFC Bank is doubling the quarterly spend requirement for complimentary airport lounge access on debit cards from ₹5,000 to ₹10,000. Additionally, the bank is replacing physical card swipes with a digital voucher system, in which eligible users must claim a 12-18-digit code or QR code via a link sent to their registered email or mobile number.
(As reported by The Economic Times on January 10, 2026)
News Update
IDFC Bank has shifted management of its domestic airport lounge access program for debit cardholders from DreamFolks to Elite Assist, a Travel Food Services (TFSL) subsidiary. The number of complimentary lounge visits for IDFC Bank debit cardholders remains unchanged.
(As reported by CNBC TV18 on September 19, 2025)
The ICICI Bank Sapphiro Debit Card is one of the best airport lounge access debit cards as it offers 16 complimentary domestic lounge visits, 4 each quarter.
The IDFC FIRST Wealth Debit Card offers 3 domestic (with companion) and 2 international airport lounge visits per quarter, a total of 12 domestic and 8 international lounge access on zero annual or joining fees.
IndusInd Bank’s World Exclusive Debit Card and VISA Signature Exclusive Debit Cards are two cards that have zero annual or joining fee; however, they offer 4 complimentary domestic and international airport lounge access every year (1 per quarter).
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