Best credit cards with airport lounge access we compare
Most cards now unlock lounge visits only after you spend a set amount in the previous month or quarter. Count the visits you would actually use, and the spend needed to get them.
38 cards · last verified 20 Oct 2026 · how we rank
Compare lounge access
- 1HDFC Bank Diners Club Black Metal Edition Credit Card
Domestic: Unlimited · International: Unlimited · No spend needed · ₹10,000 joining, ₹10,000 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 2ICICI Bank Emeralde Credit Card
Domestic: Unlimited · International: Unlimited · No spend needed · ₹12,000 joining, ₹12,000 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 3ICICI Bank Emeralde Private Metal Credit Card
Domestic: Unlimited · International: Unlimited · No spend needed · ₹12,499 joining, ₹12,499 a year
View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 4HDFC Bank INFINIA Credit Card Metal Edition
Domestic: Unlimited · International: Unlimited · No spend needed · ₹12,500 joining, ₹12,500 a year
View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 5HSBC Premier Credit Card
Domestic: Unlimited · International: Unlimited · No spend needed · ₹12,000 joining, ₹20,000 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 6Times Black ICICI Bank Credit Card
Domestic: Unlimited · International: Unlimited · No spend needed · ₹20,000 joining, ₹20,000 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 7Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
Domestic: Unlimited · International: None · ₹20,000 in the previous month · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 8Axis Bank Magnus Credit Card
Domestic: Unlimited · International: Unlimited · ₹50,000 in the previous 3 months · ₹12,500 joining, ₹12,500 a year
Apply nowVia our referral partner. We may earn a commission. - 9Axis Bank Magnus for Burgundy Credit Card
Domestic: Unlimited · International: Unlimited · ₹50,000 in the previous 3 months · ₹30,000 joining, ₹30,000 a year
View on Axis Bank siteIssuer's site. We don't earn from this card. - 10Axis Bank Horizon Credit Card
Domestic: 24 a year · International: 8 a year · No spend needed · ₹3,000 joining, ₹3,000 a year
View on Axis Bank siteIssuer's site. We don't earn from this card. - 11IDFC FIRST Mayura Credit Card
Domestic: 16 a year · International: 16 a year · ₹20,000 in the previous month · ₹5,999 joining, ₹5,999 a year
Apply nowVia our referral partner. We may earn a commission. - 12Marriott Bonvoy HDFC Bank Credit Card
Domestic: 12 a year · International: 12 a year · No spend needed · ₹3,000 joining, ₹3,000 a year
Apply nowVia our referral partner. We may earn a commission. - 13HDFC Bank Regalia Gold Credit Card
Domestic: 12 a year · International: 6 a year · ₹60,000 in the quarter · ₹2,500 joining, ₹2,500 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 14ICICI Bank Sapphiro Credit Card
Domestic: 16 a year · International: 2 a year · ₹75,000 in the quarter · ₹6,500 joining, ₹3,500 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 15SBI Card ELITE
Domestic: 8 a year · International: 6 a year · None published · ₹4,999 joining, ₹4,999 a year
Apply nowVia our referral partner. We may earn a commission. - 16SBI Card MILES ELITE
Domestic: 8 a year · International: 6 a year · None published · ₹4,999 joining, ₹4,999 a year
Apply nowVia our referral partner. We may earn a commission. - 17Axis Bank Select Credit Card
Domestic: 8 a year · International: 6 a year · ₹50,000 in the previous 3 months · ₹3,000 joining, ₹3,000 a year
View on Axis Bank siteIssuer's site. We don't earn from this card. - 18SBI Card PRIME
Domestic: 8 a year · International: 4 a year · None published · ₹2,999 joining, ₹2,999 a year
Apply nowVia our referral partner. We may earn a commission. - 19SalarySe Level UP Credit Card (City Union Bank)
Domestic: 12 a year · International: None · ₹10,000 in a billing cycle · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 20Tata Neu Infinity HDFC Bank Credit Card
Domestic: 8 a year · International: 4 a year · ₹50,000 in the quarter · ₹1,499 joining, ₹1,499 a year
Apply nowVia our referral partner. We may earn a commission. - 21HDFC Bank Diners Club Privilege Credit Card
Domestic: 8 a year · International: 4 a year · ₹60,000 in the quarter · ₹1,000 joining, ₹1,000 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 22IndusInd Bank Tiger Credit Card
Domestic: 8 a year · International: 2 a year · None published · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 23Suryoday SFB Stable Money RuPay Platinum Credit Card
Domestic: 8 a year · International: 2 a year · No spend needed · Lifetime free
View on Stable Money siteIssuer's site. We don't earn from this card. - 24HSBC RuPay Cashback Credit Card
Domestic: 8 a year · International: 2 a year · None published · ₹499 joining, ₹499 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 25HSBC TravelOne Credit Card
Domestic: 6 a year · International: 4 a year · None published · ₹4,999 joining, ₹4,999 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 26IDFC FIRST Wealth Credit Card
Domestic: 4 a year · International: 4 a year · ₹20,000 in the previous month · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 27LIC Axis Bank Signature Credit Card
Domestic: 8 a year · International: None · ₹50,000 in the previous 3 months · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 28ICICI Bank Rubyx Credit Card
Domestic: 8 a year · International: None · ₹75,000 in the quarter · ₹3,000 joining, ₹2,000 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 29BPCL SBI Card OCTANE
Domestic: 4 a year · International: None · None published · ₹1,499 joining, ₹1,499 a year
View on SBI Card siteIssuer's site. We don't earn from this card. - 30PhonePe SBI Card SELECT BLACK
Domestic: 4 a year · International: None · None published · ₹1,499 joining, ₹1,499 a year
View on PhonePe siteIssuer's site. We don't earn from this card. - 31SBI Card PULSE
Domestic: 4 a year · International: None · None published · ₹1,499 joining, ₹1,499 a year
Apply nowVia our referral partner. We may earn a commission. - 32IDFC FIRST Select Credit Card
Domestic: 4 a year · International: None · ₹20,000 in the previous month · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 33IDFC FIRST Bank HPCL FIRST Power+ Credit Card
Domestic: 4 a year · International: None · ₹20,000 in the previous month · ₹499 joining, ₹499 a year
Apply nowVia our referral partner. We may earn a commission. - 34Tata Neu Plus HDFC Bank Credit Card
Domestic: 4 a year · International: None · ₹50,000 in the quarter · ₹499 joining, ₹499 a year
Apply nowVia our referral partner. We may earn a commission. - 35Axis Bank MY ZONE Credit Card
Domestic: 4 a year · International: None · ₹50,000 in the previous 3 months · ₹500 joining, ₹500 a year
Apply nowVia our referral partner. We may earn a commission. - 36ICICI Bank Coral RuPay Credit Card
Domestic: 4 a year · International: None · ₹75,000 in the quarter · ₹500 joining, ₹500 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 37HDFC Bank Millennia Credit Card
Domestic: 4 a year · International: None · ₹1,00,000 in the quarter · ₹1,000 joining, ₹1,000 a year
Apply nowVia our referral partner. We may earn a commission. - 38HSBC Live+ Credit Card
Domestic: 2 a year · International: 1 a year · None published · ₹999 joining, ₹999 a year
Apply nowVia our referral partner. We may earn a commission.
| # | Card | Domestic | International | Spend to unlock | Fees | Apply |
|---|---|---|---|---|---|---|
| 1 | HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank | Unlimited | Unlimited | No spend needed | ₹10,000 joining, ₹10,000 a year | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 2 | ICICI Bank Emeralde Credit CardICICI Bank | Unlimited | Unlimited | No spend needed | ₹12,000 joining, ₹12,000 a year | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 3 | ICICI Bank Emeralde Private Metal Credit CardICICI Bank | Unlimited | Unlimited | No spend needed | ₹12,499 joining, ₹12,499 a year | View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 4 | HDFC Bank INFINIA Credit Card Metal EditionHDFC Bank | Unlimited | Unlimited | No spend needed | ₹12,500 joining, ₹12,500 a year | View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 5 | HSBC Premier Credit CardHSBC | Unlimited | Unlimited | No spend needed | ₹12,000 joining, ₹20,000 a year | View on HSBC siteIssuer's site. We don't earn from this card. |
| 6 | Times Black ICICI Bank Credit CardICICI Bank | Unlimited | Unlimited | No spend needed | ₹20,000 joining, ₹20,000 a year | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 7 | Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Federal Bank | Unlimited | None | ₹20,000 in the previous month | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 8 | Axis Bank Magnus Credit CardAxis Bank | Unlimited | Unlimited | ₹50,000 in the previous 3 months | ₹12,500 joining, ₹12,500 a year | Apply nowVia our referral partner. We may earn a commission. |
| 9 | Axis Bank Magnus for Burgundy Credit CardAxis Bank | Unlimited | Unlimited | ₹50,000 in the previous 3 months | ₹30,000 joining, ₹30,000 a year | View on Axis Bank siteIssuer's site. We don't earn from this card. |
| 10 | Axis Bank Horizon Credit CardAxis Bank | 24 a year | 8 a year | No spend needed | ₹3,000 joining, ₹3,000 a year | View on Axis Bank siteIssuer's site. We don't earn from this card. |
| 11 | IDFC FIRST Mayura Credit CardIDFC FIRST Bank | 16 a year | 16 a year | ₹20,000 in the previous month | ₹5,999 joining, ₹5,999 a year | Apply nowVia our referral partner. We may earn a commission. |
| 12 | Marriott Bonvoy HDFC Bank Credit CardHDFC Bank | 12 a year | 12 a year | No spend needed | ₹3,000 joining, ₹3,000 a year | Apply nowVia our referral partner. We may earn a commission. |
| 13 | HDFC Bank Regalia Gold Credit CardHDFC Bank | 12 a year | 6 a year | ₹60,000 in the quarter | ₹2,500 joining, ₹2,500 a year | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 14 | ICICI Bank Sapphiro Credit CardICICI Bank | 16 a year | 2 a year | ₹75,000 in the quarter | ₹6,500 joining, ₹3,500 a year | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 15 | SBI Card ELITESBI Card | 8 a year | 6 a year | None published | ₹4,999 joining, ₹4,999 a year | Apply nowVia our referral partner. We may earn a commission. |
| 16 | SBI Card MILES ELITESBI Card | 8 a year | 6 a year | None published | ₹4,999 joining, ₹4,999 a year | Apply nowVia our referral partner. We may earn a commission. |
| 17 | Axis Bank Select Credit CardAxis Bank | 8 a year | 6 a year | ₹50,000 in the previous 3 months | ₹3,000 joining, ₹3,000 a year | View on Axis Bank siteIssuer's site. We don't earn from this card. |
| 18 | SBI Card PRIMESBI Card | 8 a year | 4 a year | None published | ₹2,999 joining, ₹2,999 a year | Apply nowVia our referral partner. We may earn a commission. |
| 19 | SalarySe Level UP Credit Card (City Union Bank)City Union Bank | 12 a year | None | ₹10,000 in a billing cycle | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 20 | Tata Neu Infinity HDFC Bank Credit CardHDFC Bank | 8 a year | 4 a year | ₹50,000 in the quarter | ₹1,499 joining, ₹1,499 a year | Apply nowVia our referral partner. We may earn a commission. |
| 21 | HDFC Bank Diners Club Privilege Credit CardHDFC Bank | 8 a year | 4 a year | ₹60,000 in the quarter | ₹1,000 joining, ₹1,000 a year | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 22 | IndusInd Bank Tiger Credit CardIndusInd Bank (co-brand with Tiger Fintech, a Bajaj Capital Group company) | 8 a year | 2 a year | None published | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 23 | Suryoday SFB Stable Money RuPay Platinum Credit CardSuryoday Small Finance Bank | 8 a year | 2 a year | No spend needed | Lifetime free | View on Stable Money siteIssuer's site. We don't earn from this card. |
| 24 | HSBC RuPay Cashback Credit CardHSBC | 8 a year | 2 a year | None published | ₹499 joining, ₹499 a year | View on HSBC siteIssuer's site. We don't earn from this card. |
| 25 | HSBC TravelOne Credit CardHSBC | 6 a year | 4 a year | None published | ₹4,999 joining, ₹4,999 a year | View on HSBC siteIssuer's site. We don't earn from this card. |
| 26 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 4 a year | 4 a year | ₹20,000 in the previous month | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 27 | LIC Axis Bank Signature Credit CardAxis Bank | 8 a year | None | ₹50,000 in the previous 3 months | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 28 | ICICI Bank Rubyx Credit CardICICI Bank | 8 a year | None | ₹75,000 in the quarter | ₹3,000 joining, ₹2,000 a year | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 29 | BPCL SBI Card OCTANESBI Card | 4 a year | None | None published | ₹1,499 joining, ₹1,499 a year | View on SBI Card siteIssuer's site. We don't earn from this card. |
| 30 | PhonePe SBI Card SELECT BLACKSBI Card | 4 a year | None | None published | ₹1,499 joining, ₹1,499 a year | View on PhonePe siteIssuer's site. We don't earn from this card. |
| 31 | SBI Card PULSESBI Card | 4 a year | None | None published | ₹1,499 joining, ₹1,499 a year | Apply nowVia our referral partner. We may earn a commission. |
| 32 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 4 a year | None | ₹20,000 in the previous month | Lifetime free | Apply nowVia our referral partner. We may earn a commission. |
| 33 | IDFC FIRST Bank HPCL FIRST Power+ Credit CardIDFC FIRST Bank | 4 a year | None | ₹20,000 in the previous month | ₹499 joining, ₹499 a year | Apply nowVia our referral partner. We may earn a commission. |
| 34 | Tata Neu Plus HDFC Bank Credit CardHDFC Bank | 4 a year | None | ₹50,000 in the quarter | ₹499 joining, ₹499 a year | Apply nowVia our referral partner. We may earn a commission. |
| 35 | Axis Bank MY ZONE Credit CardAxis Bank | 4 a year | None | ₹50,000 in the previous 3 months | ₹500 joining, ₹500 a year | Apply nowVia our referral partner. We may earn a commission. |
| 36 | ICICI Bank Coral RuPay Credit CardICICI Bank | 4 a year | None | ₹75,000 in the quarter | ₹500 joining, ₹500 a year | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 37 | HDFC Bank Millennia Credit CardHDFC Bank | 4 a year | None | ₹1,00,000 in the quarter | ₹1,000 joining, ₹1,000 a year | Apply nowVia our referral partner. We may earn a commission. |
| 38 | HSBC Live+ Credit CardHSBC | 2 a year | 1 a year | None published | ₹999 joining, ₹999 a year | Apply nowVia our referral partner. We may earn a commission. |
Complimentary visits for the primary cardholder. Ranked by airport visits a year, then by the smaller spend condition, then by annual fee. Fees exclude GST. Ranking never depends on whether we earn from a card.
The lounge rules, card by card
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
1. HDFC Bank Diners Club Black Metal Edition Credit Card
Unlimited airport lounge visits in India and abroad for the primary cardholder and each add-on cardholder, with no spend condition: show the card at the lounge. Guests aren't covered and pay the lounge's own charge. Lounges abroad are listed in the Diners Travel Tool app.
₹10,000 joining, ₹10,000 a year · HDFC Bank's lounge terms
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
2. ICICI Bank Emeralde Credit Card
Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder only, with no spend condition. Add-on cardholders don't get lounge access.
₹12,000 joining, ₹12,000 a year · ICICI Bank's lounge terms
- View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
3. ICICI Bank Emeralde Private Metal Credit Card
Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and add-on cardholders, with no spend condition. Guests pay $29 plus GST a visit abroad.
₹12,499 joining, ₹12,499 a year · ICICI Bank's lounge terms
- View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
4. HDFC Bank INFINIA Credit Card Metal Edition
Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and each add-on cardholder, with no spend condition. Add-on cardholders need their own Priority Pass abroad, and guests pay $27 plus GST a visit.
₹12,500 joining, ₹12,500 a year · HDFC Bank's lounge terms
- View on HSBC siteIssuer's site. We don't earn from this card.
5. HSBC Premier Credit Card
Unlimited airport lounge visits in India (Mastercard's lounge programme, at listed lounges) and abroad (LoungeKey, over 1,400 lounges) for the primary and add-on cardholders, plus 8 free guest visits a year at overseas lounges for the primary cardholder only. HSBC publishes no spend condition.
₹12,000 joining, ₹20,000 a year · HSBC's lounge terms
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
6. Times Black ICICI Bank Credit Card
Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and add-on cardholders, with no spend condition. Guests pay $29 plus GST a visit abroad.
₹20,000 joining, ₹20,000 a year · ICICI Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
7. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
Unlimited domestic lounge visits, or complimentary dining, shopping or spa at the airport, in any month after spending ₹20,000 in the preceding month.
Lifetime free · Federal Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
8. Axis Bank Magnus Credit Card
Unlimited international lounge visits with Priority Pass for the primary cardholder, plus 4 guest visits a card year. Unlimited visits to Axis's listed domestic lounges after ₹50,000 of spend in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. Domestic lounges are entered with the Magnus card, not Priority Pass, since 28 Aug 2026.
₹12,500 joining, ₹12,500 a year · Axis Bank's lounge terms
- View on Axis Bank siteIssuer's site. We don't earn from this card.
9. Axis Bank Magnus for Burgundy Credit Card
Unlimited international lounge visits with Priority Pass for the primary cardholder, plus 4 guest visits a card year. Unlimited visits to Axis's listed domestic lounges after ₹50,000 of spend in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. Domestic lounges are entered with the card, not Priority Pass, since 28 Aug 2026.
₹30,000 joining, ₹30,000 a year · Axis Bank's lounge terms
- View on Axis Bank siteIssuer's site. We don't earn from this card.
10. Axis Bank Horizon Credit Card
24 domestic visits a year (6 a calendar quarter) on the Mastercard version, or 32 (8 a quarter) on the Visa version, plus 8 international visits a year (2 a quarter). No spend is needed to unlock them. Free visits are for the primary cardholder only.
₹3,000 joining, ₹3,000 a year · Axis Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
11. IDFC FIRST Mayura Credit Card
4 airport lounge visits in India a quarter (one can be for a guest), 4 at airports abroad a quarter and 4 railway lounge visits a quarter. They work in a given month only if you spent ₹20,000 on the card the month before, and add-on cardholders share the same visits.
₹5,999 joining, ₹5,999 a year · IDFC FIRST Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
12. Marriott Bonvoy HDFC Bank Credit Card
12 free airport lounge visits a year in India and 12 abroad, with no spend condition. The primary and add-on cardholders can use them; guests aren't covered. Lounges abroad are listed in the Diners Club travel app.
₹3,000 joining, ₹3,000 a year · HDFC Bank's lounge terms
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
13. HDFC Bank Regalia Gold Credit Card
12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card).
₹2,500 joining, ₹2,500 a year · HDFC Bank's lounge terms
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
14. ICICI Bank Sapphiro Credit Card
16 domestic airport visits a year (4 a quarter) for the primary cardholder, each quarter unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December), though its FAQ says calendar quarter. Also 2 international lounge visits a year for the primary cardholder, with no spend condition stated. If you hold the card on two networks, you get 2 domestic visits a quarter on each.
₹6,500 joining, ₹3,500 a year · ICICI Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
15. SBI Card ELITE
8 domestic visits a year (2 a quarter) and 6 international visits a year outside India via Priority Pass (max 2 a quarter; membership valid 2 years); no spend condition is published.
₹4,999 joining, ₹4,999 a year · SBI Card's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
16. SBI Card MILES ELITE
8 domestic visits a year (2 a quarter) plus 1 extra for every ₹1 lakh spent (up to 15 extra a membership year); 6 international visits a year via Priority Pass (max 2 a quarter; membership free for the first 2 years); no spend condition is published for the base visits.
₹4,999 joining, ₹4,999 a year · SBI Card's lounge terms
- View on Axis Bank siteIssuer's site. We don't earn from this card.
17. Axis Bank Select Credit Card
8 domestic visits a year (2 a quarter) at Axis's listed lounges once you've spent ₹50,000 in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. 6 international visits a card year with Priority Pass, 12 in a card year you spend over ₹3 lakh. Priority Pass renews only after ₹3 lakh of spend in the previous card year. Guests pay.
₹3,000 joining, ₹3,000 a year · Axis Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
18. SBI Card PRIME
8 domestic visits a year (2 a quarter) and 4 international visits a year outside India via Priority Pass (max 2 a quarter); no spend condition is published.
₹2,999 joining, ₹2,999 a year · SBI Card's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
19. SalarySe Level UP Credit Card (City Union Bank)
Physical card only: 12 domestic visits a year (1 a month), each unlocked for the next billing cycle by spending ₹10,000 in the current one (each pass expires 30 days after it is credited); the free virtual-only card has no lounge access.
Lifetime free · City Union Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
20. Tata Neu Infinity HDFC Bank Credit Card
8 domestic lounge vouchers a year (2 a calendar quarter) after ₹50,000 spend in a calendar quarter; 4 international visits a year outside India (1 a quarter) via Priority Pass on Visa or the RuPay programme, with no spend condition published for these.
₹1,499 joining, ₹1,499 a year · HDFC Bank's lounge terms
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
21. HDFC Bank Diners Club Privilege Credit Card
Spend ₹60,000 in a calendar quarter to unlock 3 airport lounge vouchers (2 in India, 1 abroad), claimed on HDFC SmartBuy and valid for 180 days at listed lounges, so up to 8 visits in India and 4 abroad a year. Primary cardholder only; no free visits without the spend.
₹1,000 joining, ₹1,000 a year · HDFC Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
22. IndusInd Bank Tiger Credit Card
8 domestic visits a year (2 a calendar quarter) and 2 international visits a year outside India via Priority Pass; no spend condition is published.
Lifetime free · IndusInd Bank (co-brand with Tiger Fintech, a Bajaj Capital Group company)'s lounge terms
- View on Stable Money siteIssuer's site. We don't earn from this card.
23. Suryoday SFB Stable Money RuPay Platinum Credit Card
Physical card only (needs a bigger FD): 2 domestic airport lounge visits a quarter and 2 international visits a year, with a token charge of ₹2 or $1 per visit. No spend needed. The virtual card has no lounge access.
Lifetime free · Suryoday Small Finance Bank's lounge terms
- View on HSBC siteIssuer's site. We don't earn from this card.
24. HSBC RuPay Cashback Credit Card
Up to 8 domestic visits a year (2 a calendar quarter) and 2 international visits a year; no spend condition is published. The card's older service guide (June 2025) says 4 visits a year, one a quarter, so confirm with HSBC before you rely on 10.
₹499 joining, ₹499 a year · HSBC's lounge terms
- View on HSBC siteIssuer's site. We don't earn from this card.
25. HSBC TravelOne Credit Card
6 domestic and 4 international airport lounge visits a year; no spend condition is published. HSBC does not say whether add-on cardholders share these visits.
₹4,999 joining, ₹4,999 a year · HSBC's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
26. IDFC FIRST Wealth Credit Card
4 domestic and 4 international airport visits a year (1 each a quarter, international via a DreamFolks card) plus 4 railway lounge visits; spend ₹20,000 in a calendar month to use them the next month.
Lifetime free · IDFC FIRST Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
27. LIC Axis Bank Signature Credit Card
8 domestic visits a year (2 a calendar quarter) after ₹50,000 eligible spend in the previous 3 calendar months; the spend rule is waived for a new card's month of issue and the next 3 months.
Lifetime free · Axis Bank's lounge terms
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
28. ICICI Bank Rubyx Credit Card
8 domestic airport visits a year (2 a quarter) for the primary cardholder, each quarter unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December). Also 8 railway lounge visits a year (2 a quarter) for the primary cardholder, with no spend condition. No international lounge access. If you hold the card on two networks, you get 1 airport visit a quarter on each.
₹3,000 joining, ₹2,000 a year · ICICI Bank's lounge terms
- View on SBI Card siteIssuer's site. We don't earn from this card.
29. BPCL SBI Card OCTANE
4 domestic visits a year (1 a quarter); since 10 Jan 2026 only at 16 listed lounges in Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune; no spend condition is published.
₹1,499 joining, ₹1,499 a year · SBI Card's lounge terms
- View on PhonePe siteIssuer's site. We don't earn from this card.
30. PhonePe SBI Card SELECT BLACK
4 domestic visits a year (1 a quarter); since 10 Jan 2026 only at 16 listed lounges in 8 cities; no spend condition is published. Priority Pass membership is free for two years, but each visit with it costs US$27 plus taxes.
₹1,499 joining, ₹1,499 a year · SBI Card's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
31. SBI Card PULSE
4 domestic visits a year (1 a quarter; cut from 8 on 10 Jan 2026); Priority Pass membership for the first 2 years but every visit costs USD 27 plus tax; no spend condition is published.
₹1,499 joining, ₹1,499 a year · SBI Card's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
32. IDFC FIRST Select Credit Card
4 domestic airport visits a year (1 a quarter) and 4 railway lounge visits a quarter; each needs ₹20,000 spend in a calendar month to unlock the next month.
Lifetime free · IDFC FIRST Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
33. IDFC FIRST Bank HPCL FIRST Power+ Credit Card
4 domestic visits a year (1 a quarter); spend ₹20,000 in a calendar month to use the benefit the next month.
₹499 joining, ₹499 a year · IDFC FIRST Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
34. Tata Neu Plus HDFC Bank Credit Card
4 domestic lounge vouchers a year (1 a calendar quarter) after ₹50,000 spend in a calendar quarter.
₹499 joining, ₹499 a year · HDFC Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
35. Axis Bank MY ZONE Credit Card
4 domestic visits a year (1 a calendar quarter) after ₹50,000 eligible spend in the previous 3 calendar months; the spend rule is waived for a new card's month of issue and the next 3 months.
₹500 joining, ₹500 a year · Axis Bank's lounge terms
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
36. ICICI Bank Coral RuPay Credit Card
4 domestic airport visits a year (1 a quarter) for the primary cardholder, each unlocked by spending ₹75,000 in the previous quarter. ICICI's terms count that quarter from the 26th to the 25th (26 June to 25 September unlocks October to December), though its FAQ says calendar quarter. Also 4 railway lounge visits a year (1 a quarter) for the primary cardholder, with no spend condition.
₹500 joining, ₹500 a year · ICICI Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
37. HDFC Bank Millennia Credit Card
No free lounge access. Each calendar quarter you spend ₹1 lakh, you can choose one domestic airport lounge voucher instead of the ₹1,000 gift voucher, so up to 4 visits a year.
₹1,000 joining, ₹1,000 a year · HDFC Bank's lounge terms
- Apply nowVia our referral partner. We may earn a commission.
38. HSBC Live+ Credit Card
2 domestic visits a year (no more than one every 6 calendar months) and 1 international visit a year, from 1 September 2026; no spend condition is published. HSBC's lounge-access page still shows the older 4 domestic visits a year.
₹999 joining, ₹999 a year · HSBC's lounge terms
Railway lounge only
These cards have no airport lounge access but include railway lounge visits.
- IDFC FIRST Classic Credit CardApply nowVia our referral partner. We may earn a commission.
No airport lounge visits; 4 railway lounge visits a quarter when you spend ₹20,000 in the previous month.
- IDFC FIRST Millennia Credit CardApply nowVia our referral partner. We may earn a commission.
No airport lounge visits; 4 railway lounge visits a quarter, unlocked for the next month by spending ₹20,000 in a calendar month.
- IDFC FIRST SWYP Credit CardApply nowVia our referral partner. We may earn a commission.
No airport lounge visits as a card feature (4 domestic visits are only a reward for 10 referrals); 4 railway lounge visits a quarter after ₹20,000 spend in the previous calendar month.
Related guides and comparisons
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- Axis Bank Horizon vs Axis Bank MagnusSide by side: fees, rewards and which one suits whom
- Axis Bank Horizon vs Axis Bank SelectSide by side: fees, rewards and which one suits whom
- Axis Bank Magnus vs Axis Bank Magnus for BurgundySide by side: fees, rewards and which one suits whom
- Axis Bank Magnus vs Axis Bank SelectSide by side: fees, rewards and which one suits whom
Questions people ask
Which credit card gives lounge access without a minimum spend?
Among the cards we compare, the banks publish no spend condition for HDFC Bank Diners Club Black Metal Edition Credit Card, ICICI Bank Emeralde Credit Card, ICICI Bank Emeralde Private Metal Credit Card, HDFC Bank INFINIA Credit Card Metal Edition, HSBC Premier Credit Card, Times Black ICICI Bank Credit Card, Axis Bank Horizon Credit Card, Marriott Bonvoy HDFC Bank Credit Card, SBI Card ELITE, SBI Card MILES ELITE, SBI Card PRIME, IndusInd Bank Tiger Credit Card, Suryoday SFB Stable Money RuPay Platinum Credit Card, HSBC RuPay Cashback Credit Card, HSBC TravelOne Credit Card, BPCL SBI Card OCTANE, PhonePe SBI Card SELECT BLACK, SBI Card PULSE, HSBC Live+ Credit Card. Banks change these rules often, so check the lounge terms before you count on a free visit. Every other card here unlocks visits only after a minimum spend, usually in the previous month or quarter.
Which cards include international lounge visits?
HDFC Bank Diners Club Black Metal Edition Credit Card (unlimited), ICICI Bank Emeralde Credit Card (unlimited), ICICI Bank Emeralde Private Metal Credit Card (unlimited), HDFC Bank INFINIA Credit Card Metal Edition (unlimited), HSBC Premier Credit Card (unlimited), Times Black ICICI Bank Credit Card (unlimited), Axis Bank Magnus Credit Card (unlimited), Axis Bank Magnus for Burgundy Credit Card (unlimited), Axis Bank Horizon Credit Card (8 a year), IDFC FIRST Mayura Credit Card (16 a year), Marriott Bonvoy HDFC Bank Credit Card (12 a year), HDFC Bank Regalia Gold Credit Card (6 a year), ICICI Bank Sapphiro Credit Card (2 a year), SBI Card ELITE (6 a year), SBI Card MILES ELITE (6 a year), Axis Bank Select Credit Card (6 a year), SBI Card PRIME (4 a year), Tata Neu Infinity HDFC Bank Credit Card (4 a year), HDFC Bank Diners Club Privilege Credit Card (4 a year), IndusInd Bank Tiger Credit Card (2 a year), Suryoday SFB Stable Money RuPay Platinum Credit Card (2 a year), HSBC RuPay Cashback Credit Card (2 a year), HSBC TravelOne Credit Card (4 a year), IDFC FIRST Wealth Credit Card (4 a year), HSBC Live+ Credit Card (1 a year). International visits usually come through a Priority Pass or similar membership.
Is there a lifetime free card with airport lounge access?
Yes: Scapia Federal Bank Credit Card (Visa + complimentary RuPay), SalarySe Level UP Credit Card (City Union Bank), IndusInd Bank Tiger Credit Card, Suryoday SFB Stable Money RuPay Platinum Credit Card, IDFC FIRST Wealth Credit Card, LIC Axis Bank Signature Credit Card, IDFC FIRST Select Credit Card. Check the spend condition in the table; most free cards need a monthly spend to unlock visits.
Which cards give railway lounge access?
IDFC FIRST Mayura Credit Card, IDFC FIRST Wealth Credit Card, ICICI Bank Rubyx Credit Card, IDFC FIRST Select Credit Card, ICICI Bank Coral RuPay Credit Card, IDFC FIRST Classic Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST SWYP Credit Card include railway lounge visits on the bank's terms.
How did you check these lounge rules?
From each bank's own product page and lounge terms, last verified 20 Oct 2026. Banks change lounge rules often, so check the card's page before you count on a visit.
How do I check if my credit card has lounge access?
Find the card in the table above or in its bank's lounge terms, and check three things: how many visits you get a year, whether they need a minimum spend first, and how you get in. Some cards need a separate pass or voucher: HDFC Regalia Gold's international visits need a Priority Pass card you request from HDFC Bank, IDFC FIRST Wealth's come through a DreamFolks card, and the Tata Neu cards give domestic lounge vouchers.
What does spend in the previous quarter mean for lounge access?
Spending in one period unlocks visits in the next. With HDFC Regalia Gold, ₹60,000 spent from April to June unlocks the domestic visits for July to September. IDFC FIRST cards use months: ₹20,000 in one calendar month unlocks the next month. ICICI's terms count the quarter from the 26th to the 25th, so on Coral and Sapphiro, spends from 26 June to 25 September unlock October to December.
Can I use credit card lounge access at any airport?
Not always. International visits through Priority Pass are for lounges outside India, and some cards limit where domestic visits work: since 10 January 2026, BPCL SBI OCTANE's visits work only at 16 listed lounges in Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune. SBI PULSE includes Priority Pass membership, but every visit costs USD 27 plus tax.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.