The best credit cards with airport lounge access let you escape the airport chaos and relax in a luxurious lounge with free food, WiFi, and comfy seats. With the right choice, you can enjoy VIP treatment at airports worldwide.
Some of the best credit cards with airport lounge access are the SBI Card ELITE, Tata Neu Infinity HDFC Credit Card, Axis Atlas, IDFC First Bank Select Credit Card, etc. They offer a good number of lounge access per quarter, travel benefits, cashback rewards, and much more.
Let’s explore the best options in this blog and compare the top options. This will help you avail the best credit card with lounge access and experience luxury travel.
Table of contents
List of Best Credit Cards with Airport Lounge Access
Here are the top credit cards that offer complimentary airport lounge access for frequent travelers-
- HDFC Infinia Credit Card
- ICICI Bank Emeralde Credit Card
- Axis Bank Magnus Credit Card
- American Express Platinum Credit Card
- ICICI Sapphiro Credit Card
- SBI Elite Credit Card
- Club Vistara SBI Credit Card
- Tata Neu Infinity HDFC Credit Card
These cards provide a luxurious travel experience with additional perks like reward points and insurance benefits. Check out the details of these cards below-
HDFC Infinia Credit Card
The HDFC Infinia Credit Card offers unlimited complimentary lounge access for both domestic and international travelers. Here’s what you get-
Domestic Lounge Access
- Unlimited free lounge visits for the primary cardholder.
- Available at select airports in India.
- Simply swipe your Infinia Credit Card at the lounge to enter.
- Visa cardholders will be charged a small INR 2 transaction fee per visit.
International Lounge Access – Priority Pass
- Unlimited lounge visits for both primary and add-on cardholders.
- Access to 1,000+ airport lounges worldwide.
- Must present the Priority Pass card at the lounge entrance.
- Guest visits using Priority Pass are chargeable at USD 27 + GST per guest per visit.
You can avail yourself of other benefits on the HDFC Infinia credit card with lounge access.
| Benefit Type | Details |
| Club Marriott Membership | Complimentary Club Marriott membership for the first year with up to 20% discounts on dining and stays across the Asia-Pacific region. |
| Hotel & Dining Benefits | – Stay 3 nights, pay for 2 at participating ITC hotels. – 1+1 complimentary buffet at select ITC hotels. |
| Golf Privileges | – Unlimited complimentary golf games at top courses in India and selected international courses. – Unlimited golf coaching at select Indian courses. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between INR 400 and INR 1,00,000 at all fuel stations in India. |
| Welcome Benefits | – Complimentary Club Marriott membership for one year. – 12,500 reward points as a welcome gift upon fee payment and card activation. |
To avail of this card, you have to pay-
- Joining Membership Fee – Rs. 12,500 + applicable taxes.
- Renewal Fee- INR 12,500 + applicable taxes. For cards issued before 18th Oct, 2021, it will be INR 10,000 + applicable taxes
ICICI Bank Emeralde Credit Card
The ICICI Bank Emeralde Credit Card is a premium travel credit card offering unlimited complimentary lounge access for frequent travelers.
International Lounge Access
- Enjoy unlimited complimentary lounge access to 1,400+ airport lounges worldwide.
- Priority Pass Membership is free for the primary cardholder.
- Lounge access is available in 145+ countries.
- Present your Priority Pass Membership Card at international lounges to enter.
Domestic Lounge Access
- Unlimited complimentary domestic lounge visits at select airports in India.
- Just use your ICICI Bank Emeralde Credit Card at participating lounges.
| Benefit Type | Details |
| Movie & Event Offers | Buy 1, get up to INR 750 off on the second ticket (up to 4 times per month) via BookMyShow. Valid on both movie and non-movie tickets. |
| Golf Privileges | Complimentary rounds or lessons at top golf courses in India and worldwide. – Earn 1 free round/lesson for every INR 50,000 spent in the previous month. – Maximum of 4 free rounds/lessons per month. |
| Birthday Shopping Voucher | American Express cardholders get an INR 5,000 Tata CLiQ voucher to celebrate their birthday month. |
| Travel & Hotel Booking Cancellation Benefit | – No cancellation charges on domestic flights and hotels. – Get up to INR 12,000 refunded for a maximum of 2 cancellations per year. |
To avail this card, you have to pay-
- Annual Fee- INR 12,000 + GST
- Renewal Fee- INR 12,000 + GST; however, this fee is reversed on spending of INR 12 lakhs per year via this card.
Axis Bank Magnus Credit Card
Axis Magnus Credit Card is one of the best Axis Bank credit cards with international lounge access. You can avail unlimited lounge visits at international as well as domestic airports.
International Lounge Access
- Unlimited international lounge visits per year.
- 4 guest visits per year with a Priority Pass Card from April 2024 onwards.
Domestic Lounge Access
- Unlimited domestic lounge visits at select airport lounges in India.
Check out the other benefits and rewards of getting the Axis Bank Magnus lounge access credit card-
| Feature | Details |
| Welcome Benefit | A voucher worth INR 12,500 from 3 different options- Luxe gift cards, The Postcard Hotels gift card, or Yatra gift voucher. |
| Exclusive Benefits on Hotels | You get up to 15% off on international & domestic Oberoi and Trident hotels. |
| BookMyShow Benefits | Buy one ticket and get up to INR 500 off on the second ticket. |
| Dining Delights | Up to 30% off at over 4000 restaurants across India. |
| Benefits on Charges | – Lowered interest rate of 3% on extended credit – Reduced markup fee of 2% on foreign transactions – No fees Axis Bank cash withdrawal within limits or beyond |
To avail this card, you have to pay-
- Annual Fee- INR 12,500 + applicable taxes
Also Read: Discover the best Forex cards with international lounge access. Save on forex fees, enjoy premium airport lounge privileges, and travel smart in 2025.
American Express Platinum Credit Card
With the American Express Platinum Credit Card, enjoy unlimited access to 1,400+ lounges in 130+ countries through the Global Lounge Collection.
Delta Sky Club Lounges
- Unlimited access for the Basic Cardmember when flying with Delta Airlines.
- Guest access- Check the Delta Sky Club website for guest policies.
- Entry- Show your Platinum Card, valid ID, and same-day Delta boarding pass.
Priority Pass Lounges
- Complimentary access to Priority Pass lounges outside India (1,400+ locations).
- India lounge access is USD 35 per card member/ guest per visit.
- Enrollment- Basic Cardmembers are auto-enrolled; Supplementary Cardmembers must submit a form.
- Guest access- Allowed; charges USD 35 per guest.
- Entry- Present your Priority Pass card, boarding pass, and ID.
The Centurion Lounge
- Premium travel experience with gourmet food and workspaces.
- Access in India- American Express Lounges at Delhi & Mumbai.
- Guest access- 1 complimentary guest.
- Entry- Show your Platinum Card, same-day boarding pass, and ID.
Domestic Partner Lounges (India)
- Complimentary access at select lounges across India.
- Guest access- Only for Basic & Supplementary Cardmembers.
- Entry- Present your Platinum Card, same-day boarding pass, and ID.
Lufthansa Lounges
- Complimentary access to Lufthansa Business & Senator Lounges in Munich & Frankfurt.
- Guest access- As per Lufthansa lounge policies.
- Entry- Show your Platinum Card, ID, and Lufthansa Group boarding pass.
Escape Lounges
- Relax with free food, beverages & Wi-Fi.
- Guest access- Bring up to 2 guests for free.
- Entry- Show your Platinum Card and boarding pass.
Check out the other benefits and rewards of the American Express credit card with lounge access.
| Benefit | Details |
| Welcome Gift | Choose a gift worth up to INR 60,000 from Taj Hotels, Luxe Gift Card, or The Postcard Hotels & Resorts. |
| Exclusive Stay Benefits | Get benefits worth INR 44,300 at Fine Hotels & Resorts Collection (1,000+ properties worldwide). Includes USD 100 experience credit & room upgrade. |
| Hotel Collection Perks | Enjoy luxury stays with a USD 100 experience credit & room upgrade at premium hotels. |
| Renewal Benefit | Spend INR 20 Lakhs in a membership year and pay the renewal fee to get vouchers worth up to INR 35,000. |
| Membership Rewards | Earn 3X Membership Reward points on all international spending. |
| Luxury Brand Rewards | Earn up to 20X Rewards on 20+ luxury brands via Rewards Xcelerator. |
To avail of this card, you need to pay-
- Annual Fee- INR 66,000 + applicable taxes
ICICI Sapphiro Credit Card
The ICICI Bank Sapphiro Credit Card offers complimentary access to both domestic and international airport lounges, making travel more comfortable.
Domestic Lounge Access
- 16 complimentary domestic lounge visits per year (4 visits per quarter).
- Available at select airports in India.
- Access is exclusive to primary cardholders.
International Lounge Access
- 2 complimentary international airport lounge visits per year.
- Access is available only to the primary cardholder.
Other benefits that you can enjoy on this ICICI Sapphiro credit card with airport lounge access are-
| Benefit Type | Details |
| Golf Privileges | – Earn 1 free round/lesson for every INR 50,000 spent in the previous month. – Maximum of 4 free rounds per month. |
| Entertainment Perks | Buy 1, Get 1 Free on movie tickets (up to INR 500) twice a month via the VISA variant. |
| Concierge Services | 24×7 i-Assist concierge service for restaurant, travel, hotel reservations, gifting, and movie ticket bookings. |
| Comprehensive Insurance | Air accident insurance of INR 3 crore for cardholders. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions up to INR 4,000 at any fuel station. |
| Welcome Benefits (INR 9,000+ worth of vouchers) | – INR 3,000 Tata CliQ voucher – INR 4,000 EaseMyTrip vouchers (4 x INR 1,000) – INR 1,000 Uber vouchers (4 x INR 250) – INR 1,500 Croma voucher Vouchers will be issued within 45 days of the joining fee payment. |
To avail of this card, you have to pay-
- Joining Fee- INR 6,000
- Annual Fee- INR 3,500; however, it will be waived off on minimum spending of INR 6 lakhs in the previous year
SBI Elite Credit Card
If you love traveling and want a credit card that gives you premium airport lounge access, the SBI Elite Credit Card is a great choice. This card offers international and domestic airport lounge access, making your travel experience smoother and more comfortable.
International Lounge Access
- Complimentary Priority Pass Membership worth USD 99.
- 6 free airport lounge visits per year (max 2 visits per quarter) outside India.
- Access to 1,000+ airport lounges worldwide.
Domestic Lounge Access
- Enjoy 8 complimentary domestic airport lounge visits every year (max 2 visits per quarter)
- Simply use your SBI Card ELITE at participating lounges to avail yourself of this benefit.
You also enjoy premium lifestyle benefits, travel perks, and rewarding experiences. Check them out in the table below.
| Category | Details |
| Welcome Gift | Get an INR 5,000 e-gift Voucher that you can redeem at Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, or Shoppers Stop. |
| Complimentary Movie Tickets | Get up to INR 6,000 worth of movie tickets every year. Valid for at least 2 tickets per booking per month, with a maximum INR 250 discount per ticket (convenience fee applies). |
| Milestone Privileges | Earn up to 50,000 Bonus Reward Points (worth INR 12,500) per year – 10,000 points on spending INR 3 lakh & 4 lakh annually. |
| ELITE Rewards | – Earn 5X Reward Points on spending at dining, grocery stores, and departmental stores. – Earn 2 Reward Points per INR 100 spent on all other purchases (except fuel). |
| Lowest Forex Markup | Save on international transactions with a low 1.99% forex markup fee. Earn 2 Reward Points per INR 100 spent on international transactions. |
| Exclusive Concierge Service | Get dedicated concierge assistance for flower delivery, gift delivery, and online doctor consultations. |
To avail this card, you have to pay-
- Annual Fee (one-time)- INR 4,999 + applicable taxes
- Renewal Fee (per annum)- INR 4,999 + applicable taxes from the second year onward
Club Vistara SBI Card PRIME
The Club Vistara SBI Credit Card offers exclusive airport lounge access benefits for both domestic and international travelers. Here’s what you get-
Domestic Airport Lounge Access
- Enjoy 8 complimentary lounge visits per year across domestic airports in India.
- Visits are capped at 2 per quarter (every 3 months).
International Airport Lounge Access (Club Vistara SBI Card PRIME)
- Complimentary Priority Pass Membership (worth USD 99).
- 4 free visits per year to international Priority Pass lounges (outside India).
- Maximum of 2 visits per quarter under this benefit.
Check out the other benefits of the Club Vistara SBI credit card with airport lounge access–
| Benefit Type | Details |
| Milestone Benefits | – Spend INR 75,000 within 90 days of card issuance and earn 3,000 bonus CV Points. – Get 1 Premium Economy ticket on annual spends of INR 1.5L, INR 3L, INR 4.5L, and INR 8L. |
| Comprehensive Insurance Cover | – Flight Cancellation Cover – Up to 6 cancellations per year, each covered up to INR 3,500.- Lost Card Liability – Coverage up to INR 1 lakh. – Air Accident Cover – Coverage up to INR 1 crore. |
| Priority Pass Membership (Prime Variant) | – Complimentary Priority Pass Membership worth USD 99. – 4 free visits per year to international lounges (max 2 per quarter). |
To avail this card, you have to pay-
- Annual Fee (one-time)- INR 2,999 + applicable taxes
- Renewal Fee (per annum)- INR 2,999 + applicable taxes
Tata Neu Infinity HDFC Credit Card
The Tata Neu Infinity Credit Card offers complimentary lounge access for both domestic and international travelers, ensuring a comfortable airport experience.
Domestic Lounge Access (VISA / RuPay Card)
- 8 complimentary domestic lounge visits per calendar year.
- Visits are capped at 2 per quarter.
- A nominal charge of INR 2 will be debited to the credit card for lounge access.
International Lounge Access (VISA Card – Priority Pass)
- 4 complimentary international lounge visits per year (1 per quarter).
- Available for both primary and add-on cardholders.
- After exceeding the 4 free visits, charges apply at USD 27 + GST per visit.
- Guest visits are chargeable at USD 27 + GST per guest, per visit.
- A USD 3.25 transaction fee will be charged for complimentary lounge access, which is later reversed.
Other benefits offered on the Tata Neu Infinity HDFC credit cards with lounge access are-
| Feature | Details |
| Welcome Benefit | Get 1,499 NeuCoins on the Tata Neu App (equivalent to 1st-year membership fee reversal) upon making the 1st transaction within 30 days of card issuance. NeuCoins will be available for claim within 60 days. |
| Contactless Payment | Make secure payments without entering a PIN for transactions up to INR 5,000. |
| Insurance Benefits | – Accidental Air Death Cover- INR 1 crore. – Emergency Overseas Hospitalization – Up to INR 15 lakhs. – Lost Card Liability Cover – Up to INR 9 lakhs. |
| NeuCoins Redemption & Validity | NeuCoins can be redeemed on the Tata Neu App/Web for brands like Air India Express, BigBasket, Croma, Westside, Tata CLiQ, IHCL Hotels, Titan, Tanishq (via Tata Neu), Tata 1MG, and Qmin. |
To avail this card, you have to pay-
- Joining Fee- INR 1,499 + applicable taxes
- Renewal Fee- INR 1,499 + taxes; however, it will be waived off if you spend INR 3 lakhs or more in a year using this HDFC credit card.
Best Credit Cards for Airport Lounge Access with Comparison Table
Frequent travelers know that airport lounge access can make a world of difference, offering a peaceful escape with complimentary food, Wi-Fi, and comfortable seating.
Whether you travel internationally or domestically, having the right credit card can unlock exclusive lounge privileges.
Below, we compare the best credit cards in India that offer airport lounge access, along with their key perks and annual fees.
| Credit Card | Lounge Access | Annual Fee | Key Perks |
| HDFC Infinia Credit Card | Unlimited domestic & international (Priority Pass) | INR 12,500 + taxes | Club Marriott membership, golf privileges, hotel & dining discounts, 12,500 welcome reward points |
| ICICI Bank Emeralde Credit Card | Unlimited domestic & international (Priority Pass) | INR 12,000 + taxes | BookMyShow offer, golf privileges, INR 5,000 birthday voucher, no flight/hotel cancellation fee |
| Axis Bank Magnus Credit Card | Unlimited domestic & international (4 guest visits/year) | INR 12,500 + taxes | INR 12,500 welcome voucher, BookMyShow benefits, dining discounts, lower foreign markup fee |
| Amex Platinum Credit Card | Unlimited (Global Lounge Collection, Priority Pass) | INR 66,000 + taxes | Premium hotel perks, luxury brand rewards, 3X rewards on international spending, INR 60,000 welcome gift |
| ICICI Sapphiro Credit Card | 16 domestic/ year,2 international/ year | INR 6,000 (Joining), INR 3,500 (Renewal) | Golf privileges, buy 1 get 1 on movie tickets, fuel surcharge waiver, insurance cover |
| SBI Elite Credit Card | 8 domestic/ year, 6 international/ year | INR 4,999 + taxes | INR 5,000 welcome gift, milestone rewards, forex markup of 1.99%, concierge service |
| Club Vistara SBI Card PRIME | 8 domestic/ year, 4 international/ year (Priority Pass) | INR 2,999 + taxes | Premium Economy tickets on spending milestones, flight cancellation cover, lost card liability |
| Tata Neu Infinity HDFC Credit Card | 8 domestic/ year, 4 international/year | INR 1,499 + taxes | NeuCoins as welcome benefit, contactless payment, insurance benefits |
Also Read: Looking for the best debit cards with airport lounge access? Explore top options offering free lounge visits, exclusive travel perks, and more in 2025.
How to Check Lounge Access on Your Credit Card?
If you’re wondering which credit card gives free airport lounge access, checking your eligibility is simple. Whether you’re using one of the best credit cards for airport lounge access in India, the USA, or the UK, here’s how you can verify your credit card lounge access benefits:
Check via Banking Apps & Websites
Most banks allow customers to check lounge access eligibility through their mobile banking apps or official websites. Here’s how:
- Bank Mobile App: Log in to your credit card account and navigate to the “Lifestyle Benefits” or “Travel Privileges” section.
- Bank Website: Visit the credit card section, select your card, and review the airport lounge benefits.
Call Customer Support
If the details aren’t available online, call your bank’s customer service and ask for information regarding lounge access limits, location-specific benefits, and associated fees (if any).
Use Priority Pass or LoungeKey
For those with a credit card with Priority Pass, you can check lounge eligibility by:
- Logging into the Priority Pass website or app with your membership details.
- Searching for available lounges at your departure airport.
Similarly, LoungeKey allows users to check lounge access through its website or app, often available with premium airport lounge access credit cards in India, the USA, and the UK.
How to Apply for a Credit Card with Lounge Access?
If you frequently travel and want to enjoy premium lounge benefits, applying for one of the top credit cards for frequent travelers can be a game-changer. Follow these steps to apply:
Apply Online via Bank Portals
- Visit the official website of the bank offering the desired credit card with free lounge access.
- Check the card details, including which credit card gives free airport lounge access for your preferred locations (India/USA/UK).
- Click on the “Apply Now” button and fill in the required details.
- Upload necessary documents and complete the verification process.
- Upon approval, your credit card will be delivered within a few days.
Eligibility Criteria
Banks approve credit cards based on:
- Income Requirement: High-end travel cards usually require a minimum annual income.
- CIBIL Score: A score above 750 increases your approval chances for airport lounge access credit cards.
- Employment Status: Some premium travel cards require applicants to be salaried or self-employed with a stable income.
Alternative Options for Lounge Access
If you’re not eligible for a credit card with Priority Pass or a credit card with free lounge access, here are some alternatives:
- Paid Lounge Memberships: Subscribe to Priority Pass, LoungeKey, or airline-specific programs.
- Debit Cards with Lounge Access: Some premium debit cards offer limited complimentary lounge visits.
- Airline Loyalty Programs: Frequent flyers can access lounges through elite status with airlines.
- One-Time Lounge Entry: Many lounges allow pay-per-use access, typically costing USD 25 to USD 50 per visit.
This was all about the best credit cards with airport lounge access. Hope this blog helped you. To know more details in short, check out the FAQs section below.
FAQs
Popular cards with free lounge access include HDFC Infinia, ICICI Emeralde, Axis Bank Magnus, American Express Platinum, ICICI Sapphiro, SBI Elite, SBI Club Vistara, and Tata Neu Inifinity Credit Cards.
Most premium credit cards offer free visits per quarter/year. If you exceed the limit, you may have to pay around INR 500 to INR 1,500 per visit. Some cards also have a minimum spending requirement for free access.
It depends on your card type. Some credit cards like HDFC Infinia, ICICI Emeralde, Axis Bank Magnus, and American Express Platinum offer unlimited international and domestic lounge access. While others have quarterly limits (e.g., 2 or 4 visits per quarter).
You can check lounge access benefits on your bank’s website, mobile app, or by calling customer support. Some cards also provide access via Priority Pass or DreamFolks membership.
Most credit cards allow only the primary cardholder to enter for free. Some premium cards offer guest access, but extra charges may apply.
Domestic lounge access applies to lounges within India, while international access covers lounges outside India. Some cards provide both, while others restrict access to domestic lounges.
Premium cards like HDFC Infinia, SBI Aurum, Axis Reserve, and American Express Platinum offer complimentary international lounge visits via Priority Pass or LoungeKey.
Yes, you can access lounges by paying per visit (INR 500–INR 2,000), using lounge memberships like Priority Pass, DreamFolks, or airline loyalty programs.
At the lounge entrance, present your credit card and boarding pass. Some lounges may require you to swipe the card for validation.
Yes, some premium debit cards like HDFC Platinum, ICICI Wealth Debit Card, and SBI Platinum Debit Card offer free domestic lounge access, but with limited visits.
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