If you are on the web looking for the Best Credit Cards With Airport Lounge Access in India 2024 then your search ends here. In this post, I am gonna share about the Best Credit Cards With Airport Lounge Access in India 2024.
Flights are one of the most convenient and fastest modes of transportation. At the same time, it is also quite heavy on the pocket. Not only the tickets but the price of everything inside the airport is quite expensive. That’s why many people search for cards with lounge access. Since there are many cards available in India it can be difficult for you to pick the right one. But don’t worry I have compared multiple credit cards in India and then created this list of airport lounge access credit cards.
Therefore if you are a frequent flight traveller then using the cards mentioned in this post you get access to free lounges. In these lounges, you get tasty and hygienic food, Wifi and comfortable seating only by paying ₹2. So let’s find out the best Credit Card for airport lounge access.
Best Credit Cards With Airport Lounge Access
| Best Credit Cards With Airport Lounge Access | Fees | Airport Lounge Benefits |
|---|---|---|
| 1. IDFC First Bank Select Credit Card | Joining Fee: ₹0 Annual Fee: ₹0 | Domestic Airport Lounge Access: Upto 4/Quarter International Airport Lounge access: N/A |
| 2. HDFC TATA NEU Credit Card | Joining Fee: ₹1499+GST Annual Fee: ₹1499+GST | Domestic Airport Lounge Access: Upto 2/Quarter International Airport Lounge access: 1/Quarter |
| 3. AU LIT Credit Card | Joining Fee: ₹0 Annual Fee: ₹0 | Domestic Airport Lounge Access: Upto 2/Quarter International Airport Lounge access: N/A |
| 4. SBI PRIME Credit Card | Joining Fee: ₹2999+GST Annual Fee: ₹2999+GST | Domestic Airport Lounge Access: Upto 2/Quarter International Airport Lounge access: Upto 2/Quarter |
| 5. MakeMyTrip ICICI Bank Signature Credit Card | Joining Fee: ₹2500+GST Annual Fee: ₹0 | Domestic Airport Lounge Access: Upto 2/Quarter International Airport Lounge access: 1/Quarter |
| 6. BOB Eterna Credit Card | Joining Fee: ₹2499+GST Annual Fee: ₹2499+GST | Domestic Airport Lounge Access: Unlimited International Airport Lounge access: N/A |
| 7. Federal Scapia Credit Card | Joining Fee: ₹0 Annual Fee: ₹0 | Domestic Airport Lounge Access: Unlimited International Airport Lounge access: N/A |
1. IDFC First Bank Select Credit Card
IDFC First Bank Select Credit Card is our first pick for the Best Credit Cards With Airport Lounge Access. It was also part of our best credit cards for movie tickets because of some amazing offers and benefits featured by this card.
The IDFC First Bank Select Credit Card comes with Zero joining fees and Zero annual fees. It mainly focused on travel and shopping. Under its unique reward point, you can earn 3 Reward Points on each Rs. 125 spent offline and 6 Reward Points on each Rs. 125 spent online. On top of that, you can earn 10 Reward Points for every Rs. 125 spent more than Rs. 25,000.
This Card also offers 4 complimentary Railway lounge visits per quarter. Whereas on spending of minimum monthly spends of Rs.5000, you can enjoy 4 complimentary domestic airport lounges. However, there isn’t any International lounge access with this card.
IDFC First Bank Select Credit Card Features
| IDFC First Bank Select Credit Card | Features |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Annual Fee Waiver | – |
| Welcome Bonus | ₹500 Voucher on spending 5000 within 30 days. 5% up to 1000 off on the first EMI transaction within 30 days. |
| Domestic Airport Lounge Access | 4/Quarter on spending ₹5000 monthly |
| International Airport Lounge access | N/A |
| Railway Lounge Access | 4/Quarter |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 300/month |
| Insurance | Air Accident Cover up to ₹1 Cr, Personal Accident Cover up to ₹5 Lakhs, Travel Insurance up to ₹22,500. |
| Foreign Currency Markup | 3.5% of the total transaction amount |
Pros & Cons
Pros
- Lifetime Free Credit Card.
- 4 domestic lounge access per quarter.
- 4 Railway lounge access per quarter.
- Golf benefits are available with MasterCard Variant.
- Multiple Travel Benfits.
Cons
- No International Lounge Access avaible.
- Domestic lounge access is available on spending ₹5000 monthly.
2. HDFC TATA NEU Infinty Credit Card
If you are looking for the best credit card for airport lounge access, here’s an option you should consider. This credit card from HDFC is an official collaboration with TATA NEU. It comes with a joining fee and an annual fee of 1499. The annual fee is waived on minimum spending of ₹3 lakhs annually.
This card also has great offers for those who shop in TATA Neu and other Tata The card offers 10% Neucoins cashback on Tata Neu and 5% Neucoins cashback on other Tata partner brands. Nevertheless, it offers 1.5% back as NeuCoins on Non-Tata Brand Spends and any other Merchant EMI Spends.
HDFC has added many spending limits on the lounge so there aren’t many options available but not with this card. This Card gives you a total of 2 Complimentary domestic airport lounge access per quarter. In addition to this VISA cardholders can get 1 complimentary lounge access for you and your ad-ons per quarter outside India.
HDFC TATA NEU Infinty Credit Card Features
| HDFC TATA NEU Infinty Credit Card | Features |
|---|---|
| Joining Fee | ₹1499+GST |
| Annual Fee | ₹1499+GST |
| Annual Fee Waiver | On spending of ₹3 lakhs |
| Welcome Bonus | 1499 Neu Coins |
| Domestic Airport Lounge Access | 2/Quarter |
| International Airport Lounge access | 1/Quarter |
| Railway Lounge Access | N/A |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 500/month |
| Insurance | Air Accident Cover up to ₹1 Cr, Emergency Hospitalization Cover up to ₹15 Lakhs, lost Car liabilallty cover up to ₹9 Lakhs. |
| Foreign Currency Markup | 2% of the total transaction amount |
Pros & Cons
Pros
- 2 complimentary domestic lounge access per quarter.
- 1 complimentary International lounge access per quarter outside India.
- International lounge access can be availed by both the cardholder and add-ons (Visa only).
Cons
- No Railway Lounge access is available.
3. AU LIT Credit Card
Here is another Lifetime free credit card and this time it from AU Small Finance Bank. This is the first customizable credit card in India. With this card, you can use whatever feature you like by paying for it. After paying for the feature it will be activated for 90 days. There are a total of 16 types of features available on this card such as 5% cash back on dining spend, 5X reward points on online and offline spending etc. Likewise, you can avail up to 2 domestic airport lounge access for ₹299 every quarter.
AU LIT Credit Card Features
| AU LIT Credit Card | Features |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Annual Fee Waiver | – |
| Welcome Bonus | N/A |
| Domestic Airport Lounge Access | 2/Quarter |
| International Airport Lounge access | N/A |
| Railway Lounge Access | N/A |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 250/month |
| Insurance | N/A |
| Foreign Currency Markup | 2% of the total transaction amount |
Pros & Cons
Pros
- Zero joining fee and annual fee.
- Customizable Credit Card.
Cons
- You have to pay 299 to avail of 2 lounge access per quarter.
4. SBI Prime Credit Card
The SBI Prime Credit Card is one of the best lifestyle credit. It is a toned-down version of SBI Elite credit. This Prime Credit Card comes with ₹2999 joining fee and annual fee. This card’s annual fee is also waived for this card on spending of more than Rs 3 lakh in a year. Also, this card gives a welcome e-gift voucher worth Rs. 3,000 which can be redeemed as different brands’ gift cards such as Bata, Pantaloons, Yatra etc.
Speaking of lounge airport lounge access, it offers 8 complimentary visits to Domestic Lounges and 4 complimentary visits to International Priority Pass Lounges, outside of India per calendar year.
Nevertheless, this credit card is issued in three variants and those are Visa, MasterCard and American Express. If you get the American Express Card then you can get up to 25% discount at partner restaurants. While with Mastercard you can enjoy Golf benefits.
SBI Prime Credit Card
| SBI Prime Credit Card | Features |
|---|---|
| Joining Fee | ₹2999+GST |
| Annual Fee | ₹2999+GST |
| Annual Fee Waiver | On spending of ₹3 lakhs |
| Welcome Bonus | Gift Voucher worth Rs. 3,000 |
| Domestic Airport Lounge Access | 2/Quarter |
| International Airport Lounge access | 2/Quarter |
| Railway Lounge Access | N/A |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 500/month |
| Insurance | Air Accident Cover up to ₹50 lakhs, Fraud liability cover worth ₹15 Lakhs. |
| Foreign Currency Markup | 3.5% of the total transaction amount |
Pros & Cons
Pros
- 2 Complimentary domestic and 2 international lounge access outside India per quarter.
- Complimentary Club Vistara Silver membership
- Trident Red tier membership.
Cons
- High annual fee.
- Poor Reward Rate.
5. MakeMyTrip ICICI Bank Signature Credit Card
If you are looking for the best credit for travel benefits, here is an option that you can check out. This Credit Card from ICICI Bank is an official collaboration with MakeMyTrip which is a one-stop solution for all your travel needs.
It carries a Zero Annual fee but you have to pay a joining fee of ₹2500. After paying the Joining fee you will receive ₹1,500 MyCash in MMT wallet, ₹2,500 MakeMyTrip holiday voucher and a complimentary MMTBLACK membership as a welcome bonus.
This Credit also offers 2 complimentary access to domestic lounges per quarter but to avail this you have to spend over ₹5,000 in a quarter. Also, you can get 1 Complimentary international lounge visit via Dreamfolks membership. Additionally, this card offers one complimentary railway lounge access as well. Movie Enthusiasts can avail 25% discount up to ₹150 for a minimum purchase of 2 movie tickets through Bookmyshow or Inox.
MakeMyTrip ICICI Bank Signature Credit Card Features
| MakeMyTrip ICICI Bank Signature Credit Card | Features |
|---|---|
| Joining Fee | ₹2500+GST |
| Annual Fee | ₹0 |
| Annual Fee Waiver | – |
| Welcome Bonus | ₹1,500 MyCash in MMT wallet, ₹2,500 MakeMyTrip holiday voucher, Complimentary MMTBLACK membership. |
| Domestic Airport Lounge Access | 2/Quarter |
| International Airport Lounge access | 1/Quarter |
| Railway Lounge Access | 1/Quarter |
| Fuel Surcharge | Fuel surcharge waiver of 1% |
| Insurance | N/A |
| Foreign Currency Markup | 3.5% of the total transaction amount |
Pros & Cons
Pros
- Excellent Welcome Bonus.
- Railway lounge access is available.
- Zero Annual Fee.
Cons
- 2 complimentary domestic lounge access is available on spending of 5000 in a quarter.
6. BOB Eterna Credit Card
The BOB Eterna is another Premium category credit card on our list. This Card offers multiple benefits on lifestyle, shopping, and travel payments. Especially speaking of lounge access, If you travel a lot through flights then this card is for you.
You can avail of unlimited domestic lounge access using this card without any spend-based limit. However there it doesn’t feature international or Railway lounge access. Apart from this using this card you can also avail of BOGO on Paytm Movies.
The annual fee and the joining fee of this credit card are 2499+GST. On spending ₹25000 within 60 days of card generation, your joining fee will be waived. Whereas on Spending ₹ 2.5 Lakhs or more in a year the annual fee is waived.
BOB Eterna Credit Card Features
| BOB Eterna Credit Card | Features |
|---|---|
| Joining Fee | ₹2499+GST |
| Annual Fee | ₹2499+GST |
| Annual Fee Waiver | On spending of ₹2.5 lakhs |
| Welcome Bonus | 6 month fitpass pro membership |
| Domestic Airport Lounge Access | Unlimited |
| International Airport Lounge access | N/A |
| Railway Lounge Access | N/A |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 250/month |
| Insurance | Accidental Death Cover |
| Foreign Currency Markup | 3.5% of the total transaction amount |
Pros & Cons
Pros
- Unlimited Domestic lounge access within any spend-based restriction.
- 4 Complimentary Golf Rounds.
- Joining fee is waived on spending of ₹25,000 within 60 days of the Card generation.
Cons
- No International lounge access.
- No Railway lounge access.
7. Federal Scapia Credit Card
At the 7th position in our list of the Best Credit Cards With Airport Lounge Access card, we got a credit card from Federal Bank. It is also a Lifetime free Credit Card with Zero Joining fee. Another best feature of this card is its Zero forex markup on all international transactions
Furthermore, you can avail of unlimited domestic airport lounges with this card on a spending of ₹5000. Additionally, you can earn 20% Scapia coins for bookings made through the Scapia App, and 10% Scapia coins for other eligible online or offline.
Even though there’s no limit on point redemption you can only spend these coins while making travel bookings using the Scapia app. So overall it’s a great credit card for frequent travellers, especially for international travellers.
Federal Scapia Credit Card Features
| Federal Scapia Credit Card | Features |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Annual Fee Waiver | – |
| Welcome Bonus | N/A |
| Domestic Airport Lounge Access | Unlimited |
| International Airport Lounge access | N/A |
| Railway Lounge Access | N/A |
| Fuel Surcharge | Fuel surcharge waiver of 1% up to 250/month |
| Insurance | N/A |
| Foreign Currency Markup | 0 |
Pros & Cons
Pros
- Lifetime Free Credit Card.
- Zero Forex Markup.
- 20%Scapia coins on bookings made through the Scapia App.
- 10% Scapia coins on offline and online spending.
Cons
- No International lounge access.
- No Railway lounge access.
FAQs: Best Credit Cards With Airport Lounge Access
The IDFC First Select Credit Card, Federal Scapia and ICICI Bank MakeMyTrip Signature Card are some of the Best Lifetime Credit Card for lounge Access. However, ICICI Bank MakeMyTrip Signature credit has a joining fee of ₹2500.
Yes, you have to pay ₹2 using your card to access the airport lounge.
IDFC First Bank Select Credit Card and MakeMyTrip ICICI Bank Signature Credit Card offers Airport Lounge and Railway Lounge access.
In AU LIT Credit Card you can avail of one lounge access by paying 199. On the other hand, if you pay 249 you can get 2 lounge access per quarter.
BOB Eterna and Federal Scapia offer unlimited domestic lounge access.
MakeMyTrip ICICI Bank Signature, HDFC TATA NEU Infifnity and SBI Prime Credit Card offers International lounge access.
HDFC Regalia Gold and HDFC TATA Neu Infinfty are the best HDFC Credit cards for lounge access without a spending limit.
