15 Best Airport Lounge Access Credit Cards in India 2025

Credit cards provide various advantages that can make your travels more affordable and convenient. One key benefit is complimentary airport lounge access, which allows you to enjoy free entry to selected lounges at both domestic and international airports. This perk is not exclusive to Airport Lounge Access Credit Card​s; many other credit cards also offer free lounge access as an added feature. However, the number of free lounge visits you receive each year can differ depending on the credit card. Continue reading to discover the top credit cards in India that can offer you premium airport lounge access.

What are Airport Lounge Access Credit Card​?

Airport Lounge Credit Cards are designed to give cardholders exclusive access to airport lounges. While these premium cards used to come with a high annual fee, some companies now offer them as lifetime free. In addition to lounge access, these cards provide benefits like travel insurance, concierge services, and reward points. Frequent flyers can use these cards to enjoy a comfortable and relaxing environment before their flights, with complimentary food, beverages, Wi-Fi, and other amenities.

Best Airport Lounge Access Credit Card​s

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Features & Advantages of Airport Lounge Access Credit Card​s

1. 01
   

   Indusind Bank Tiger Credit Card

   The annual maintenance fee is the most common type of credit card charge that most banks include on their credit cards. This annual fee includes charges such as joining fees and the maintenance fee charged at the end of the year. But when these charges are waived off, for example, being provided a credit card by your company, it may mean that you don’t have to pay joining and annual fees for one year. However, after the completion of one year, if you wish to continue with the credit card, you will have to pay the annual fees. Hence, it’s important to know beforehand about the existence of these annual fees.

   Cardholders enjoy two complimentary domestic lounge accesses per quarter and two international lounge accesses annually through Priority Pass. This means you can relax and recharge in style before your flights. Adding to its appeal, the card also offers a complimentary movie ticket worth up to Rs. 500 every six months on BookMyShow, making it a perfect companion for entertainment enthusiasts.

2. 02
   

   Axis ATLAS Credit Card

   Axis ATLAS Credit Card is a super-premium offering designed for frequent travellers. This card rewards you with Edge Miles, which has an impressive conversion ratio on platforms like Accor, making it easy to book hotels while helping you save a significant amount of money. You earn 5 Edge Miles for every Rs. 100 spent on travel, and 2 Edge Miles for every Rs. 100 spent on other purchases. While it comes with an annual fee of Rs. 5000 + GST, the card offers 8 complimentary domestic lounge accesses and 4 international lounge accesses through its Dreamfolks lounge program, making it a compelling choice for frequent flyers who value luxury and convenience.

3. 03
   

   AU Ixigo Credit Card

   If you’re not a frequent flyer but still appreciate the luxury of airport lounges, the AU Ixigo Credit Card might be your perfect match. This card caters to the casual traveller who wants lounge access benefits without breaking the bank. Offering you a generous 16 domestic airport and railway lounge access, plus one international lounge access through Priority Pass, it ensures you can relax in comfort during your journeys.

   The card sweetens the deal with zero forex markup fees, allowing you to save on international transactions. As a cherry on top, new cardholders receive a Rs. 1000 bonus in their Ixigo money wallet. Being a co-branded card, it also offers exclusive discounts on your travel bookings through Ixigo, making it a compelling choice for budget-conscious explorers.

4. 04
   

   Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

   Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is a dream come true for frequent IndiGo flyers. This co-branded card packs a punch with a welcome bonus of a free IndiGo flight ticket worth Rs. 3,000, along with 6E Prime add-ons for priority check-in, seat selection, and meal assistance. But the perks don’t stop there. Cardholders enjoy 8 domestic airport lounge accesses per year, making layovers super comfortable and rewarding.

   Additionally, the card offers a generous 6% rewards rate on IndiGo spending and a decent 3% on dining, entertainment, and grocery purchases. With its combination of travel benefits, reward points, and exclusive offers, the Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is a solid choice for those seeking to maximise their travel experiences.

5. 05
   

   IDFC First Select Credit Card

   IDFC FIRST Select Credit Card offers a more budget-friendly option for lounge access. While it doesn’t boast unlimited visits like some premium cards, it provides a decent perk for frequent travellers. Cardholders can enjoy two complimentary domestic airport lounge visits per quarter, provided they maintain a minimum monthly spend of Rs. 20,000. Additionally, the card offers four complimentary railway lounge visits per quarter, making it a suitable choice for those who frequently travel by train as well.

6. 06
   

   SBI Elite Credit Card

   SBI Elite Credit Card is another premium card designed for frequent travellers. With complimentary access to Priority Pass lounges worldwide, cardholders can enjoy good food and comfort during layovers or before flights. The card’s low foreign exchange markup fee also makes it a suitable choice for international spending, allowing you to save on currency conversion charges. Additionally, its reward points structure and other perks like free movie tickets and discounts at partner establishments add to its overall value, making it a strong contender for those seeking a premium travel credit card.

7. 07
   

   HDFC Regalia Gold Credit Card

   HDFC Regalia Gold Credit Card is a strong contender for frequent flyers seeking airport lounge access. It offers a generous 12 domestic and 6 international lounge visits annually, ensuring a relaxing experience during layovers. Cardholders also benefit from complimentary gift vouchers upon reaching specific spending milestones, adding further value to their travel experiences. While it may have a slightly higher annual fee compared to some other options, the combination of lounge access, rewards, and travel benefits makes it a perfect choice for those who prioritise convenience and luxury during their journeys.

8. 08
   

   HSBC Live+ Credit Card(Previously known as HSBC Cashback Credit Card)

   HSBC Cashback Credit Card offers a decent lounge access benefit for its cardholders. You get to enjoy four complimentary domestic lounge visits per year, with a limit of one visit per quarter. While this might not be as interesting as some other premium cards, it still provides a convenient perk for frequent domestic travellers. It’s a good option for those who prioritise cashback rewards but also occasionally need a comfortable space to relax in between flights.

9. 10
   

   AU Zenith+ Credit Card

   AU Zenith+ Credit Card comes with a fee of 4999 INR + GST and is targeted towards heavy spenders. As a premium metal card, it boasts a host of exclusive benefits, including complimentary access to16 domestic and international airport lounges, making your travel experience smoother. Beyond lounge access, cardholders can enjoy perks like a low forex markup fee, complimentary movie tickets, and even golf access. While it carries a hefty annual fee, the card’s rewards program, coupled with its travel-centric features, makes it a strong contender for those who prioritise premium experiences and are willing to invest in a high-end card.

10. 11
    

    ICICI Bank Coral RuPay Credit Card

    ICICI Bank Coral RuPay Credit Card offers a budget-friendly option for those seeking airport lounge access. While it provides one complimentary domestic airport lounge access per quarter, there’s a catch – you need to spend a minimum of Rs. 35,000 in the preceding quarter to unlock this benefit. This card might be suitable for occasional travellers with moderate spending habits, but frequent flyers might find the spending requirement restrictive. However, the card does offer other benefits like reward points, railway lounge access, and insurance coverage, making it a decent choice for those looking for a versatile card without hefty annual fees.

What are the Eligibility Criteria for Airport Lounge Access Credit Cards?

Different credit cards have different requirements for airport lounge access, depending on the issuer and the specific card. Here are some common factors that credit card issuers may consider:

• A
  

  Credit Score

  Issuers look at your credit score to determine if you manage credit responsibly. Higher scores usually improve your chances of getting a card with lounge access.

• B
  

  Income

  Some cards require a minimum income to ensure you can handle the card’s fees and spending.

• C
  

  Employment Status

  Issuers may check your job status and income stability to assess your ability to make payments on time.

• D
  

  Citizenship and Residency

  Certain cards may require you to be a citizen or resident of a specific country or region due to regulatory reasons.

• E
  

  Age

  There are age requirements that vary by location, typically requiring you to be of legal age to apply.

• F
  

  Existing Relationship with the Issuing Bank

  Some issuers may prefer existing customers when approving lounge access cards.

These are general guidelines, and specific cards might have additional requirements. Meeting these criteria does not guarantee approval, as the final decision depends on the issuer’s assessment. Always check the specific eligibility criteria of the card before applying.

How Does the Airport Lounge Access Credit Card​ Work?

Airport lounge credit cards offer a convenient way to access the exclusive world of airport lounges. Here’s a breakdown of how it works:

1. Membership Programs

   Most cards provide access through membership programs like Priority Pass, LoungeKey, or Delta Sky Club. These programs offer a network of lounges worldwide.

2. Complimentary Access

   Many cards include a certain number of complimentary lounge visits each year. This is often sufficient for occasional travellers.

3. Pay-Per-Visit

   If you exceed your complimentary visits, you can usually pay a fee for additional access.

4. Guest Access

   Most cards allow you to bring guests into the lounge with you, often at an additional cost.

5. Eligibility

   To access a lounge, you typically need your credit card, a valid boarding pass for the same day, and a government-issued ID.

How to Choose Between Best Airport Lounge Access Credit Cards?​

1. 01
   

   Number of Free International Lounge Visits

   The number of free international lounge visits offered by credit cards can change depending on the card and its benefits. Different cards have different lounge access programs with their own rules.

   For example, the Regelia Gold Credit Card from HDFC gives you 6 free airport lounge visits outside India. Since this changes from card to card, it’s important to check the details of the card you want to use.

2. 02
   

   Number of Partners the Provider Has

   The number of airlines and lounges a credit card partners with is important for airport lounge access. Priority Pass and LoungeKey are the two main networks. Priority Pass connects to over 1,300 lounges worldwide, while LoungeKey offers access to more than 1,000.

3. 03
   

   Other Services

   Airport lounges offer a relaxing experience for travellers away from the busy terminal. They provide a calm space to work, or rest before your flight. While access to these lounges is usually reserved for premium passengers, some credit cards grant this benefit along with other valuable services:

   Travel Insurance: Many credit cards that provide airport lounge access also include travel insurance. This insurance often covers trip cancellations, delays, lost baggage, and medical emergencies, offering peace of mind during your travels.

   Concierge Services: Certain credit cards come with concierge services, assisting with tasks like booking flights, hotels, making restaurant reservations, and arranging transportation. These services are especially helpful when traveling to unfamiliar destinations.

   Complimentary Priority Pass: As mentioned earlier, Priority Pass is a network of over 1,300 airport lounges worldwide. Some credit cards offer a complimentary Priority Pass membership, allowing you to access these lounges regardless of the airline you’re flying with.

Closing Thoughts

Based on different criteria, the Axis Bank Magnus Credit Card stands out for travel benefits, offering unlimited international lounge access, concierge services, and milestone rewards. For lifestyle and high-value rewards, the HDFC Diners Club Black provides unlimited lounge access, complimentary golf, travel insurance, and dining discounts. Cashback seekers can opt for the HSBC Live+ Credit Card, which offers 5% cashback on Amazon purchases, 20% off on Swiggy orders, and dining discounts. Lastly, the IndusInd Tiger Credit Card is a great no-fee option with complimentary lounge access and movie ticket benefits. These cards cater to various needs, including travel, rewards, cashback, and low-cost perks.

Choosing the right airport lounge credit card can significantly enhance your travel experience. By carefully considering factors like the number of lounge visits, partner lounges, additional benefits, and annual fees, you can select a card that perfectly aligns with your travel needs and budget. Remember to compare multiple options and read the fine print to make an informed decision. Ultimately, the best credit card is the one that provides the most value and convenience for your specific travel habits.

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Frequently Asked Questions (FAQs)

Written and Reviewed by:

Priyanka Rao

Author

Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.

Priyanka Sharma

Financial Content Reviewer

Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.

Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.

Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.