Best Credit Cards for Airport Lounge Access in India

Why Get a Credit Card with Lounge Access?

Airport lounges provide a comfortable waiting area with refreshments, charging stations, and even business facilities. However, many of these lounges operate on a paid membership model, making them inaccessible to the average traveler. The best way to access them without additional costs is by opting for a credit card that includes complimentary lounge visits. These cards are especially beneficial for business travelers, frequent vacationers, and those who want to enhance their overall travel experience.

Top Credit Cards for Airport Lounge Access in India (2025)

Here are some of the best credit cards offering lounge access in India:

1. HDFC Visa Signature Credit Card

Joining Fee: NIL
Annual Fee: Free for the first year if you spend ₹15,000 within 90 days.
Annual Fee Waiver: Spend ₹75,000 per year to get a free renewal.
Lounge Access: Complimentary domestic and international lounge access.

2. HDFC Bank Diners Club Black Credit Card

Joining Fee: ₹10,000 + taxes
Annual Fee: ₹10,000 + taxes
Annual Fee Waiver: Spend ₹5 lakh in 12 months to waive the renewal fee.
Lounge Access: Complimentary domestic and international lounge access.

3. HDFC Bank Millennia Credit Card

Joining Fee: ₹1,000 + taxes
Annual Fee: ₹1,000 + taxes
Annual Fee Waiver: Spend ₹1 lakh in a year to waive the renewal fee.
Lounge Access: Complimentary domestic and international lounge access.

4. SBI Elite Credit Card

Joining Fee: NIL
Annual Fee: ₹4,999 (from the second year onwards)
Lounge Access: Complimentary domestic and international lounge access.

5. SBI Prime Credit Card

Joining Fee: NIL
Annual Fee: ₹2,999 (from the second year onwards)
Lounge Access: 4 complimentary international and 8 domestic lounge visits per year.

6. SBI Club Vistara Prime Credit Card

Joining Fee: None
Annual Fee: ₹2,999 (from the second year onwards)
Lounge Access: 8 complimentary visits to domestic airport lounges.

7. Axis Bank Magnus Credit Card

Joining Fee: ₹12,500 + taxes
Annual Fee: ₹12,500 + taxes
Annual Fee Waiver: Spend ₹25 lakh in a year to waive the renewal fee.
Lounge Access: Complimentary domestic lounge access.

8. Axis Vistara Signature Credit Card

Joining Fee: ₹3,000
Annual Fee: ₹3,000
Lounge Access: Complimentary access at select domestic and international airports.

9. AU Bank Zenith Credit Card

Joining Fee: None
Annual Fee: ₹7,999 + applicable taxes
Annual Fee Waiver:
- First-year fee waived on spending ₹1.25 lakh within 90 days.
- From the second year, spend ₹5 lakh annually to waive the fee.
Lounge Access: Complimentary access at select domestic and international airports.

10. HDFC Bank Tata Neu Infinity Credit Card

Joining Fee: ₹1,499 + taxes
Annual Fee: ₹1,499 + taxes
Annual Fee Waiver: Spend ₹3 lakh a year before renewal to waive the fee.
Lounge Access: Complimentary access at domestic and international airports.

Final Thoughts

If you are a frequent traveler, choosing a credit card with complimentary lounge access can significantly improve your airport experience. While each card comes with different fees and conditions, selecting one based on your travel frequency and spending habits can help maximize benefits. Before applying, always check the latest terms with the bank or credit card provider, as fees and policies are subject to change.

Disclaimer: The information provided in this article is for general informational purposes only. PuneNow does not endorse any specific credit card or financial institution. Readers are advised to verify terms and conditions with the respective banks before applying. PuneNow is not responsible for any discrepancies, financial decisions, or losses incurred based on this content.