10 Best Credit Cards in India for Lounge Access

Welcome to our comprehensive guide on the best credit cards in India for lounge access. If you’re a frequent traveler who values comfort and convenience during your journeys, having a credit card that grants access to airport lounges, can greatly enhance your travel experience. In this guide, we will explore the top credit cards in India, that provide exclusive lounge access benefits. Get ready to enjoy luxurious amenities, complimentary refreshments, and a peaceful ambiance while you wait for your flight.

Understanding Lounge Access Benefits

When it comes to choosing the best credit card for lounge access, it’s important to understand the value it brings to your travel experience. Lounge access benefits go beyond just a comfortable seating area. They offer a range of exclusive perks, such as:

  1. Refreshments: Enjoy complimentary snacks, beverages, and even full meals at select lounges.
  2. Relaxation: Unwind in a tranquil environment away from the hustle and bustle of the airport.
  3. Productivity: Access business facilities, such as Wi-Fi, charging stations, and workstations.
  4. Privacy: Take advantage of private spaces, perfect for making phone calls or catching up on work.
  5. Premium Services: Benefit from priority boarding, expedited security checks, and dedicated customer service.
Best Credit Cards in India for Lounge Access

Top Credit Cards for Lounge Access in India

Now, let’s dive into the best credit cards in India that offer exceptional lounge access benefits. These cards have been carefully selected based on their features, accessibility, and overall value for travellers:

Name of the Credit CardWelcome OfferAnnual FeeEligibility CriteraDomestic LoungeInternational Lounge
HDFC BANK DINERS BLACK CREDIT CARDComplimentary memberships for a year to MMTDOUBLEBLACK, Club Marriott, Times Prime, and Amazon Prime.10,00021 Lacs per annumUnlimitedUnlimited
HDFC INFINIA CREDIT CARD METAL EDITION12,500 reward points upon fee realisation and card activation, complimentary Club Marriott membership for the first year.12,50045 Lacs per annumUnlimitedUnlimited
Axis Bank Magnus Credit CardTata Cliq voucher or a domestic flight ticket worth Rs. 10,00010,00018 Lacs per annumUnlimitedUnlimited for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass
American Express Platinum Credit cardSeleQtions, Taj, and Vivanta Hotels welcome vouchers worth Rs. 45,00060,00025 Lacs Per AnnumUnlimitedAccess to over 1,200 Airport Lounges globally including American Express Lounges, Priority Pass Lounges and Delta Lounges.
 Axis Reserve Credit Card50,000 Edge reward points as welcome bonus and every year the card membership is renewed.50,00025 Lacs Per AnnumUnlimited for both primary and add-on card holders.Unlimited with Priority Pass membership.
HDFC Regalia Credit CardWelcome gift of 2500 reward points.2,50012 Lacs Per Annum12 free airport lounge access per year.6 airport lounge access every year outside India through the priority pass.
ICICI Sapphiro Credit CardWelcome Bonus of 10,000 JPMiles, discount of Rs. 750 on flight bookings and Rs. 1,500 on hotel bookings (AmEx variant), a discount of Rs. 500 on flight bookings and Rs. 1,000 on hotel reservations (Visa variant).5,00015 Lacs Per Annum2 complimentary domestic lounge access each with both Visa and AmEx variants if Rs. 5,000 spent in the previous quarter.2 complimentary international lounge access every year under the Dreamfolks membership.
BANK OF BARODA ETERNA CREDIT CARD6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.2,49912 Lacs Per AnnumUnlimitedNA
IDFC Wealth Credit CardWelcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generationLTF36 Lacs Per Annum4 complimentary Domestic lounge access, Spa visits per quarter, on minimum monthly spends of Rs.50004 complimentary International airport lounge, spa visits per quarter, on minimum monthly spends of Rs.5000
SBI ELITE Credit Card Welcome gift voucher of ₹5,0005,00010 Lacs Per Annum2 complimentary visits to domestic airport lounges every quarter2 Years Priority Pass for International lounge access

How to Access Airport Lounges with Your Credit Card

let’s learn how to actually access these airport lounges. Follow these simple steps:

  1. Step 1: Check your card’s lounge access policy and eligibility criteria.
  2. Step 2: Locate participating lounges at your departure airport.
  3. Step 3: Present your eligible credit card at the lounge entrance.
  4. Step 4: Follow any additional instructions, such as guest access or registration.
  5. Step 5: Enjoy the amenities and relax before your flight.

Comparing the Key Features

To help you make an informed decision, let’s compare the key features of the credit cards mentioned earlier. Consider the following factors:

  1. Annual Fee: Evaluate the cost associated with owning and maintaining the card.
  2. Lounge Network: Assess the availability and accessibility of lounges across various airports.
  3. Guest Access: Determine if the card allows complimentary guest access to lounges.
  4. Additional Perks: Explore other travel-related benefits, such as travel insurance or reward programs.
  5. Eligibility Criteria: Check if the card requires a certain income level or credit score for approval.

People Also Read :- Visa On Arrival for Indian Tourists

Tips for Maximizing Lounge Access Benefits

To fully enjoy the perks of lounge access, here are a few tips to enhance your experience:

  1. Plan Ahead: Research the locations and amenities of participating lounges in advance.
  2. Time Your Arrival: Arrive at the airport with sufficient time to fully enjoy the lounge facilities.
  3. Know the Rules: Familiarize yourself with any specific policies or restrictions of the lounges.
  4. Share the Benefits: If your credit card allows guest access, invite a travel companion to join you.
  5. Explore Alternatives: Consider utilizing lounge access during layovers to make the most of your travel time.

People Also Read :- Budget Trip to Thailand in 30k-35k


You are now well-equipped with the knowledge of the best credit cards in India for lounge access. Remember, choosing the right credit card depends on your individual travel preferences and needs. Evaluate the key features, assess the costs, and select the card that aligns with your lifestyle. With the right credit card in hand, you can elevate your travel experience and enjoy the luxurious amenities offered by airport lounges across India.


FAQs: Best 10 Credit Cards in India for Domestic & International Lounge Access

Q1: What is the benefit of having a credit card that offers lounge access?
A1: Credit cards that provide lounge access offer a range of benefits, including access to comfortable airport lounges, complimentary refreshments, Wi-Fi, and other amenities. They enhance the travel experience and provide a haven from the hustle and bustle of airports.

Q2: How can I determine which credit card is the best for me?
A2: To find the best credit card for you, consider factors such as the number and location of lounges available, joining and annual fees, guest allowances, and additional perks like reward points, discounts, or exclusive memberships. Assess your travel patterns, spending habits, and financial capabilities to choose the card that aligns with your needs.

Q3: What are the eligibility criteria for these credit cards?
A3: The eligibility criteria vary depending on the credit card and issuing bank. Generally, the criteria include a minimum age requirement (usually 18-21 years), a minimum annual income, and a good credit history. Ensure you meet the specific eligibility requirements of the card you are interested in.

Q4: Can I bring guests with me to the airport lounges?
A4: The guest allowances differ for each credit card. Some cards offer unlimited guest access, while others have a limited number of guests allowed per quarter or none at all. Be sure to check the details of each credit card to understand their guest policies.

Q5: Are there any additional charges associated with using these credit cards for lounge access?
A5: Most credit cards provide complimentary lounge access, but it’s essential to review the terms and conditions. Some cards may have a usage fee or require you to achieve a certain spending threshold to enjoy the complimentary access. Always check for any additional charges or conditions associated with lounge access.

Q6: Can I use these credit cards for both domestic and international lounge access?
A6: Yes, many of the credit cards listed in this guide offer access to both domestic and international lounges. However, it’s important to review the specific terms and conditions of each card to confirm the coverage and availability at the airports you frequently visit.

Q7: Do these credit cards offer any additional benefits apart from lounge access?
A7: Absolutely! These credit cards often come with a range of additional benefits, such as reward points on spending, discounts on travel, dining, and shopping, complimentary memberships to loyalty programs, concierge services, and more. Explore the features and perks of each card to discover the ones that align with your interests and lifestyle.

Q8: How can I apply for these credit cards?
A8: To apply for any of these credit cards, visit the respective bank’s website or contact their customer service. The application process typically involves filling out an online form, submitting necessary documents, and meeting the eligibility criteria. The bank will review your application, and upon approval, the card will be issued to you.

Remember, it’s crucial to carefully review and compare the features, fees, and terms of each credit card before making a decision. Choose a card that suits your travel preferences, financial situation, and lifestyle to make the most of the lounge access benefits it offers.

Disclaimer: The information provided in this article is subject to change, and it’s always recommended to visit the official websites or contact the respective banks for the most up-to-date and accurate details.

Leave a comment