RuPay Platinum and RuPay Select cards provide complimentary airport lounge access, making travel more comfortable with plush seating, free Wi-Fi, and refreshments. Whether you hold an HDFC RuPay debit card or an SBI RuPay Platinum debit card, you can enjoy these benefits at select domestic airports across India.
This guide breaks down the RuPay lounge access program, listing eligible cards, such as PNB RuPay Platinum debit cards and IDBI Platinum debit cards, the number of free visits allowed, and how to check if your RuPay card grants you entry. We also compare it with Visa and Mastercard lounge programs to help you make an informed choice.
Table of contents
- RuPay Card Lounge Access
- List of Popular RuPay Debit Cards for Lounge Access
- List of Popular RuPay Credit Cards for Lounge Access
- List of RuPay Cards Airport Lounge Access
- How to Check Lounge Access on a RuPay Card?
- Recent Updates & Changes in the RuPay Lounge Program
- Comparison of RuPay, Visa, and Mastercard Lounge Access Programs
- FAQs
RuPay Card Lounge Access
RuPay cardholders can enjoy lounge access at various airports across India, depending on the type of card they hold. You get complimentary airport lounge visits on debit and credit card variants like RuPay Classic, Platinum, and the Select.
The exact number of visits depends on the spending patterns of the cardholder and the type of RuPay card they hold.
Cardholders can access the lounge using a self-service check-in kiosk by swiping their RuPay card or UPI.
Lounge Access Benefits by RuPay Card Type
RuPay Platinum Debit Cards:
- Domestic Airport/Railway Lounge: One complimentary access per calendar quarter.
- International Airport Lounge: Two complimentary accesses per calendar year.
RuPay Select Debit Cards:
- Domestic Airport/Railway Lounges: 1 complimentary visit per quarter
- International Airport Lounges: 3 complimentary visits per quarter
RuPay Platinum Credit Cards:
- Domestic Airport/Railway Lounge: 2 complimentary accesses per quarter.
- International Airport Lounge: 2 complimentary accesses per annum.
RuPay Select Credit Cards:
- Domestic Airport/Railway Lounges: 2 complimentary visits per quarter
- International Airport Lounges: 2 complimentary visits per year
General Terms and Conditions
- Authorization: A small authorization amount (INR 2) is charged for validation purposes and is non-refundable.
- Complimentary Access Limit: Exceeding the complimentary access limit incurs regular lounge access charges.
- Documentation: Cardholders may need to show a valid boarding pass and identification.
For specific details on lounge access, cardholders should check with their issuing bank or visit the RuPay website for the latest information.
List of Popular RuPay Debit Cards for Lounge Access
RuPay cardholders can enjoy complimentary airport lounge access through select debit cards. Some of the most popular RuPay lounge access debit cards include the SBI Platinum International Debit Card, HDFC RuPay Platinum Debit Card, PNB RuPay Platinum Debit Cards, etc.
Check out the details of popular RuPay debit cards that offer complimentary lounge access.
SBI RuPay Platinum Debit Card
State Bank of India (SBI) offers three variants of RuPay Debit Cards:
- SBI Platinum International Debit Card
- SBI IOCL Co-Branded Contactless RuPay Debit Card
- SBI Virtual Debit Card
However, only the SBI Platinum International Debit Card provides SBI RuPay debit card lounge access.
SBI RuPay Platinum Debit Card Lounge Access
The SBI RuPay Platinum International Debit Card offers cardholders complimentary lounge access at select domestic and international airport lounges as well as domestic railway lounges.
- Complimentary access to airport lounges (Domestic & International)
- Access to select domestic railway lounges
- Available exclusively for SBI RuPay Platinum cardholders
HDFC RuPay Platinum Debit Card
Starting July 1, 2024, HDFC RuPay Platinum Debit Card holders can enjoy complimentary lounge access at select airports and railway lounges.
Here are the HDFC RuPay Debit Card lounge access details-
- 1 domestic airport/railway lounge access per quarter
- 2 international airport lounge accesses per year
- Available only at empanelled lounges (check RuPay’s lounge list)
How to Access Lounges?
- Swipe your RuPay Platinum Debit Card at the lounge terminal
- Enter your PIN for successful authorization
- A small INR 2 transaction fee will be charged per lounge visit
- Entry is on a first-come, first-served basis
PNB RuPay Debit Cards
Punjab National Bank offers multiple PNB RuPay debit card lounge access benefits across different RuPay card variants. These cards provide complimentary access to both domestic and international lounges.
PNB RuPay Platinum Debit Cards with Lounge Access
The following PNB RuPay Platinum Debit Cards offer lounge access:
- PNB RuPay NCMC Platinum Domestic Debit Card
- PNB RuPay NCMC Platinum International Debit Card
- PNB RuPay Women Power Platinum Debit Card
- PNB RuPay Business Platinum NCMC Debit Card
Lounge Access Benefits:
- 1 domestic airport/railway lounge access per quarter
- 2 international airport lounge accesses per year
- The lounge program is effective from 1st July 2024
- Access available at 65+ domestic airport lounges & 7+ railway lounges
PNB RuPay Select Debit Card Lounge Access
This premium card provides more frequent lounge access:
- 3 domestic airport lounge accesses per quarter
- 3 international airport lounge accesses per year
- Access available at 50+ domestic & 500+ international lounges
Indian Bank RuPay Platinum Debit Cards
Indian Bank offers RuPay Debit Card Lounge Access on select card variants, allowing cardholders to enjoy complimentary entry to domestic and international airport lounges.
Indian Bank RuPay Platinum Debit Card Lounge Access
The following RuPay Platinum Debit Cards provide lounge benefits:
- RuPay Platinum Card (Contact) – 1 domestic & 1 international lounge access per year
- RuPay Platinum Card (Contactless) – 1 domestic & 1 international lounge access per year
- RuPay International Platinum Card (Contact) – 1 domestic & 1 international lounge access per year
Indian Bank RuPay Debit Select Card Lounge Access
- 1 domestic airport lounge access per quarter
- 2 international airport lounge accesses per year
IDBI Platinum RuPay Debit Cards
The IDBI RuPay Platinum Debit Card offers exclusive RuPay airport lounge benefits, allowing cardholders to relax at select airport lounges.
IDBI RuPay Platinum Lounge Access Benefits
- 2 free lounge visits per calendar quarter
- Available at participating airport lounges
- Enjoy comfortable seating, refreshments, and Wi-Fi access
IOB RuPay Debit Cards
Indian Overseas Bank (IOB) offers RuPay Debit Card Lounge Access on select RuPay card variants, allowing cardholders to enjoy premium airport lounge facilities.
Eligible Cards for Lounge Access
- IOB RuPay Platinum NCMC Debit Card – Lounge access available at select airports
- IOB RuPay Select NCMC Debit Card – Lounge access available at select airports
Cardholders can enjoy exclusive benefits at participating RuPay airport lounges, including comfortable seating, refreshments, and Wi-Fi.
List of Popular RuPay Credit Cards for Lounge Access
RuPay has introduced an exclusive lounge at IGI Airport Terminal T3 for RuPay credit cardholders. Access is based on spending in the previous calendar quarter, with entry granted in the subsequent quarter. This policy applies to RuPay Select, Platinum, and higher variants.
Some of the popular RuPay credit cards offering lounge access are Union RuPay Platinum Credit Card, Canara Bank RuPay Platinum Credit Card, and PNB RuPay Platinum Credit Card.
Union Bank RuPay Platinum Credit Card
The Union Bank RuPay Platinum Credit Card offers exclusive airport lounge access benefits for a comfortable travel experience.
Lounge Access Benefits
- Complimentary access to partner domestic airport lounges
- Up to 4 free visits per year (1 per quarter)
- Relax with premium services like comfortable seating, refreshments, and Wi-Fi
Canara Bank RuPay Platinum Credit Card
The Canara Bank RuPay Platinum Credit Card offers exclusive RuPay credit card lounge access, allowing cardholders to enjoy premium airport lounge services.
Lounge Access Benefits
- 2 complimentary domestic airport lounge visits per quarter
- 2 complimentary international airport lounge visits per year
- Access to comfortable seating, refreshments, and Wi-Fi at select lounges
PNB RuPay Platinum Credit Card
The PNB RuPay Platinum Credit Card offers exclusive RuPay credit card lounge access, allowing cardholders to relax at premium lounges while traveling.
Lounge Access Benefits
- Complimentary access to select domestic and international airport lounges
- Entry to 65+ domestic airport lounges and 7+ domestic railway lounges
- Enjoy comfortable seating, refreshments, and Wi-Fi at participating lounges
How to Access Lounges?
- Lounge access is spend-based and managed through the RuPay Benefit Management System (RBMS)
- Member banks review eligibility each quarter and update cardholder access
- Only Platinum, Select, or higher-tier cardholders qualify for PNB RuPay Platinum Credit Card Lounge Access
Also Read: Best Credit Cards with Airport Lounge Access in 2025
List of RuPay Cards Airport Lounge Access
RuPay cardholders can enjoy exclusive RuPay lounge access at select airports and railway stations across India. Whether you’re traveling domestically or internationally, you can access comfortable seating, refreshments, Wi-Fi, and other premium facilities.
This section includes a detailed RuPay lounge list for major metropolitan cities in India.
Delhi
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| Encalm Lounge | New Delhi | Terminal 1D | Indira Gandhi Intl Airport |
| Encalm Lounge | New Delhi | Terminal 2 | Indira Gandhi Intl Airport |
| Encalm Lounge | New Delhi | Terminal 3 | Indira Gandhi Intl Airport |
| RuPay Exclusive Lounge (Only for RuPay Credit Cards)* | New Delhi | Terminal 3 | Indira Gandhi Intl Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| Encalm Lounge | New Delhi | Terminal 3 | Indira Gandhi Intl Airport |
Railway Lounges
| Lounge Name | Location | Terminal | Station |
| IRCTC Executive Lounge | New Delhi | Platform 16 | New Delhi Railway Station (Ajmeri Gate) |
| IRCTC Executive Lounge | New Delhi | Platform 1 | New Delhi Railway Station (Paharganj side) |
Mumbai
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| Aviserv Lounge | Mumbai | Terminal 2 | Chhatrapati Shivaji Intl Airport |
| Indi Tapas | Mumbai | Terminal 2 | Chhatrapati Shivaji Maharaj Intl Airport |
| Oasis Lounge | Mumbai | Terminal 1 | Chhatrapati Shivaji Intl Airport |
| Travel Club | Mumbai | Terminal 2 | Chhatrapati Shivaji Intl Airport |
| Travel Club | Mumbai | Terminal 1 | Chhatrapati Shivaji Intl Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| Adani (East Wing) Lounge | Mumbai | Terminal 2 | Chhatrapati Shivaji Intl Airport |
| Aviserv Lounge | Mumbai | Terminal 2 | Chhatrapati Shivaji Intl Airport |
| Dosa Plaza (Grand Annapoorna) | Mumbai | Terminal 2 | Chhatrapati Shivaji Maharaj Intl Airport |
Kolkata
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| Travel Club | Kolkata | Domestic Terminal | Netaji Subhash Chandra Airport |
| Travel Club Lounge Anex | Kolkata | Domestic Terminal | Netaji Subhash Chandra Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| Travel Club | Kolkata | International Terminal | Netaji Subhash Chandra Airport |
| Travel Club | Kolkata | Terminal 2 | Netaji Subhash Chandra Airport |
Railway Lounges
| Lounge Name | Location | Terminal | Station |
| Executive Lounge | Kolkata | – | Sealdah Railway Station |
Chennai
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| Travel Club | Chennai | Domestic Terminal | Chennai International Airport |
| Travel Club | Chennai | Terminal 4 | Chennai International Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| Travel Club | Chennai | International Terminal | Chennai International Airport |
Railway Lounges
| Lounge Name | Location | Terminal | Station |
| Inej Executive Lounge | Chennai | Platform 6 | Chennai Central Railway Station |
Bangalore
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| 080 Domestic Lounge | Bangalore | Terminal 1 (Level 2) | Kempegowda Intl Airport |
| 080 Domestic Lounge | Bangalore | Terminal 1 (Level 1) | Kempegowda Intl Airport |
| 080 Lounge – Arrival | Bangalore | Terminal 2 | Kempegowda Intl Airport |
| 080 Lounge – Domestic | Bangalore | Terminal 2 | Kempegowda Intl Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| 080 Lounge – Arrival | Bangalore | Terminal 2 | Kempegowda Intl Airport |
| 080 Lounge – International | Bangalore | Terminal 2 | Kempegowda Intl Airport |
Ahmedabad
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| The Lounge | Ahmedabad | Terminal 1 | Ahmedabad International Airport |
International Lounges
| Lounge Name | Location | Terminal | Address |
| The Lounge | Ahmedabad | Terminal 2 | Ahmedabad International Airport |
Pune
Domestic Lounges
| Lounge Name | Location | Terminal | Address |
| Earth Lounge | Pune | Terminal 1 | Pune International Airport |
How to Check Lounge Access on a RuPay Card?
RuPay cards offer exclusive lounge access benefits at domestic and international airports across India. However, not all RuPay cards provide lounge access, and eligibility often depends on the specific card type, such as RuPay Platinum or RuPay Select.
To ensure you can avail yourself of this benefit, you need to verify whether your RuPay card airport lounge access is active and applicable to your card. Here are some simple ways to check lounge access on your credit cards–
Visit the RuPay Lounge Access Website
The official RuPay website provides an updated list of eligible lounges and access terms. You can visit the website and navigate to the lounge access section to:
- Check the latest list of lounges available for RuPay cardholders.
- Find details about domestic and international lounge access limits.
- Verify if your card type qualifies for free entry.
Check with Your Bank
Banks that issue RuPay cards often include lounge access benefits in their official brochures, customer portals, or mobile banking apps. You can check by:
- Logging into your internet banking or mobile banking app and reviewing your card benefits.
- Visiting the official website of your bank and searching for the RuPay card features section.
- Read the welcome kit or documentation that came with your card.
Call Customer Support
If you are unsure whether your RuPay credit card lounge access or RuPay debit card lounge access is active, you can:
- Call the customer service number of your bank and inquire about lounge access.
- Provide your card details (without sharing sensitive information like CVV or OTP) to verify eligibility.
- Ask for the latest list of RuPay lounges available for your specific card type.
Use the RuPay Lounge Locator
Some banks provide an in-app feature that allows cardholders to check available lounges. This feature can be found in:
- Bank mobile apps under the “Card Benefits” or “Lounge Access” section.
- RuPay partner websites or third-party platforms that support lounge access lookup.
Also Read: Best Debit Cards with International Airport Lounge Access
Recent Updates & Changes in the RuPay Lounge Program
RuPay regularly updates its lounge access program to enhance the benefits offered to cardholders. These updates may include changes in the list of RuPay airport lounges, modifications in the number of free visits allowed, and the introduction of premium access for select cardholders.
Staying informed about these changes is essential to ensure you maximize the benefits of your RuPay credit card lounge access or RuPay debit card lounge access.
Here are some of the latest updates in the RuPay lounge access program:
Revision of Eligible Lounge Locations
- The list of participating RuPay airport lounges is updated periodically. Some lounges may be added, while others might be removed from the program.
- RuPay now offers access to more than 65 domestic airport lounges and select international airport lounges.
- Cardholders are advised to check the official RuPay lounge list for updated information on eligible lounge locations.
Modification in the Number of Free Visits per Quarter
- Previously, many RuPay cards provided unlimited or multiple lounge visits per quarter.
- Under the revised program, most RuPay Platinum cardholders are now entitled to one free domestic lounge access per quarter and two international lounge visits per year.
- For higher-tier cards like RuPay Select, the number of visits may be higher.
Introduction of Premium Lounge Access for High-Tier RuPay Cards
- RuPay has introduced exclusive lounge access for premium RuPay cardholders, offering a more luxurious experience.
- Select RuPay Platinum and RuPay Select cardholders can now access premium international airport lounges.
- Some cards now require a minimum spending threshold to qualify for complimentary access, ensuring the benefit is available to active users.
Stay Updated with RuPay Lounge Access Policies
- Since the RuPay lounge access program is subject to frequent updates, cardholders should regularly check:
- The official RuPay website for the latest changes.
- Their respective bank’s website or customer service for updated benefits.
- The RuPay lounge locator tool for a list of eligible lounges.
Comparison of RuPay, Visa, and Mastercard Lounge Access Programs
When it comes to airport lounge access, RuPay, Visa, and Mastercard all offer valuable benefits to cardholders. However, the extent of access, the number of free visits, and international coverage vary significantly across these networks.
RuPay lounge access is primarily focused on domestic travelers in India, whereas Visa and Mastercard provide extensive global lounge access.
Below is a comparison of the RuPay airport lounge access program against Visa and Mastercard:
| Feature | RuPay Lounge Access | Visa Lounge Access | Mastercard Lounge Access |
| Free Domestic Lounges | Yes | Yes | Yes |
| Free International Lounges | Limited | Extensive | Extensive |
| No. of Free Visits | 1-2 per quarter | 2-4 per quarter | 2-6 per quarter |
| Availability | Primarily India | Global | Global |
Key Takeaways:
- RuPay lounge access is highly beneficial for domestic travelers, offering complimentary access to major airport lounges in India.
- Visa and Mastercard provide a wider global lounge network, making them more suitable for frequent international travelers.
- The number of free visits varies, with Visa and Mastercard offering more flexibility depending on the card variant.
This was all about the RuPay cards with lounge access. Hope this guide made it easier for you to make informed decisions. Check out the FAQs below for more information.
FAQs
RuPay card lounge access is a benefit provided to select RuPay debit and credit cardholders, allowing them to enjoy complimentary entry to airport and railway lounges across India and select international locations.
RuPay Platinum and RuPay Select variants, both debit and credit cards, offer lounge access benefits. Some popular cards include SBI RuPay Platinum Debit Card, HDFC RuPay Platinum Debit Card, and PNB RuPay Select Debit Card.
– RuPay Platinum Debit Cards: 1 domestic lounge access per quarter, 2 international lounge accesses per year.
– RuPay Select Debit Cards: 1 domestic lounge access per quarter, 3 international accesses per quarter.
– RuPay Platinum Credit Cards: 2 domestic accesses per quarter, 2 international accesses per year.
– RuPay Select Credit Cards: 2 domestic accesses per quarter.
You can check lounge access benefits by:
– Visiting the official RuPay website under the lounge access section.
– Checking your bank’s website or mobile banking app.
– Calling customer service of your issuing bank.
To access a lounge:
Visit the eligible lounge and swipe your RuPay card at the entry terminal.
Enter your PIN for verification.
A nominal charge of INR 2 will be deducted for validation.
If you have complimentary visits remaining, entry is granted. Otherwise, regular charges apply.
Yes, some conditions include:
Lounge access is granted only on eligible RuPay Platinum and Select cards.
A small INR 2 authorization charge applies per visit.
A valid boarding pass and ID proof may be required.
Complimentary visits are limited per quarter or year as per the card type.
Yes, RuPay Select and Platinum credit cards offer complimentary lounge access, with a certain number of free visits per quarter or year, based on the card type and bank’s policy.
RuPay cardholders can access lounges at major airports, including:
– Delhi (Indira Gandhi International Airport – Encalm Lounge)
– Mumbai (Chhatrapati Shivaji International Airport – Travel Club, Oasis Lounge)
– Bangalore (Kempegowda International Airport – 080 Lounge)
– Chennai, Kolkata, Pune, and more
Yes, some RuPay Platinum and Select cardholders get complimentary access to railway lounges at New Delhi, Kolkata (Sealdah), Chennai, and other major railway stations.
RuPay primarily focuses on domestic lounges, while Visa and Mastercard offer wider international coverage. However, RuPay is expanding its lounge access network and now provides entry to select international lounges for premium cardholders.
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