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Credit Cards with Airport Lounge Access

Airport lounge access credit cards are specifically designed for frequent travellers and offer a range of benefits. These perks include complimentary access to priority pass membership for dozens of airport lounges, complimentary snacks, and a host of other premium services. You can also earn air miles using these credit cards, which you can later redeem to get discounts on flight tickets and other benefits.

 

You can enjoy all the perks these credit cards offer by paying the joining and renewal charges. However, these charges can vary according to the benefits extended by the credit card. Thus, it is crucial that you review the credit card fees and lounge access benefits while selecting a credit card with lounge access.

Some of the Top Lounge Access Credit Cards

Apart from complimentary lounge access and free lounge access program memberships, you should also consider the other benefits the card offers. For instance, several credit cards with lounge access come with travel insurance, dining, lifestyle, and fuel surcharge waivers. 

 

To make sure you pick a card that optimises benefits, you can shortlist one from the following list of the top lounge access credit cards in India:

Credit Card Name

Joining and Annual Fees

Lounge Access Benefits

Other Credit Card Benefits

Axis Bank Vistara Signature Credit Card

₹3,000 + GST

  • 2  complimentary domestic airport lounge visits per quarter

  • 4 CV points for every ₹200 spend on the card

  • Complimentary Club Vistara Silver membership 

  • Up to 4 free economy tickets/year on reaching milestone spends

  • Purchase Protection Cover of up to ₹1 Lakh

SBI Elite Credit Card 

₹4,999 + GST

  • 6  complimentary annual international airport lounge access 

  • 2 quarterly domestic airport lounge access

  • Complimentary Club Vistara Silver membership with 1 upgrade voucher

  • Complimentary Trident Red Tier Membership

  • 2x rewards on all spends

  • 5x rewards on dining, groceries, and departmental store spends

  • 10,000 bonus points on milestone spends of over ₹3 Lakhs

Axis Bank Magnus Credit Card

₹10,000 + GST

  • Unlimited domestic and international airport lounge access 

  • 8 complimentary guest visits with the Priority Pass program

  • Annual fee waiver on spends over ₹15 Lakhs

  • 5x Edge Reward Points on travel spends 

  • Fuel surcharge waiver and low Forex markup benefits

  • Exclusive offers on dining, movies, and more

Club Vistara SBI Card Prime

₹2,999 + GST

  • 2 complimentary domestic and international airport lounge access every quarter

  • Complimentary membership to the Priority Pass program worth $99

  • Fraud insurance of up to ₹1 Lakh and Air Accident Insurance of up to ₹1 Crore

  • 2 CV reward for every ₹200 spend on the card

Axis Bank Vistara Infinite Credit Card 

₹10,000 + GST

  • 2 complimentary domestic airport lounge access quarterly

  • Complimentary Club Vistara Gold membership 

  • 6 CV points for every ₹200 spend on the card

  • Up to 4 complimentary business class tickets on milestone spends

  • Up to 40% off on partner restaurants

HSBC Platinum VISA Credit Card

Nil

  • 3 complimentary domestic and international airport lounge access benefits

  • Buy-one-get-one-free offers on movie tickets

  • Booked on BookMyShow 

  • Instant 15% off on select lifestyle, luxury, and electronics products

  • Up to 15,000 accelerated reward points on annual milestone spends above ₹4 Lakhs

Features of Some of the Best Lounge Access Credit Cards

Check out the features of some of the top credit cards with access to airport lounges 

1. SBI Elite Credit Card

  • ₹5,000 worth vouchers as welcome gift

  • Complimentary movie tickets worth ₹6,000 annually

  • 10,000 bonus points on annual spends between ₹ 3-4 lakhs

  • 5X reward points on every ₹100 spent on groceries, dining, etc.

  • 1% fuel surcharge waiver on fuel refills

2. ICICI Bank Sapphiro Credit Card

  • 10,000 air miles as welcome bonus

  • 5,000 air miles as renewal bonus

  • 10 air miles on every ₹100 spent

  • 1% fuel surcharge waiver on fuel refills

  • 10% discount on Etihad Airways business class air tickets 

3. SBI Prime Credit Card

  • ₹3,000 worth vouchers as welcome gift

  • 10 reward points on every ₹100 spent on dining, movies, etc.

  • 20 reward points on every ₹100 spent on the birthday

  • Renewal fee waived off on annual spends above ₹3 lakhs

  • Complimentary air accident liability cover insurance worth ₹50 lakhs

4. ICICI Bank Rubyx Credit Card

  • 5,000 air miles as welcome bonus

  • 2,500 air miles as renewal bonus

  • 7.5 air miles on every ₹100 spent

  • 3,000 reward points on annual spends above ₹3 lakhs

  • 1,500 reward points on every ₹1 lakh spent 

5. Axis Bank Select Credit Card

  • ₹2,000 worth Amazon gift voucher on the first transaction

  • Renewal fee waived off on annual spends above ₹6 lakhs

  • 5,000 reward points on annual spends above ₹3 lakhs

  • 10 reward points on every ₹200 spent

  • 20% discount on dining at partner restaurants

6. Axis Bank My Zone Credit Card

  • Cash withdrawal of 100% credit limit 

  • 1% fuel surcharge waiver on fuel refills

  • 4 reward points on every ₹200 spent

  • 15% discount on dining at partner restaurants

  • Free credit for 50 days without any additional charges

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What Should You Look for in a Lounge Access Credit Card?

While it's quite easy to find credit cards with lounge access benefits, choosing the right one is a bit tricky. To make the selection process easy, you should keep the following things in mind when choosing an airport lounge access credit card:

 

  • Verify if the credit card offers complimentary lounge access benefits.

  • Some credit cards offer only domestic airport lounge access benefits, while others also include international airport lounge access benefits. Review these specifics to make domestic and foreign travels luxurious.

  • Your credit card’s lounge access benefits may not be applicable at all airports and cities. Check the list of airports and participating lounges (domestic and international) where you can claim these benefits. 

  • Most credit cards place yearly or quarterly caps on lounge access visits. However, you can unlock unlimited visit benefits with some super-premium lounge access credit cards. 

  • Check to see if complimentary lounge access benefits are linked to a milestone spend. Some cards offer these benefits only if you spend a certain amount within a pre-given time window. 

  • Certain credit cards may give you free membership to lounge access programs like Priority Pass and others. Check these details carefully, since they may not necessarily provide free visits along with this membership. 

  • Review the specifics of the lounge access policy, since most credit cards offer it solely to the primary cardholder. In this case, your co-passenger will have to pay to enjoy lounge access benefits. 

How to Access a Free Domestic Airport Lounge Credit Card in India

Obtaining free airport lounge access with a credit card is an excellent way to make your travel experience more comfortable. The process is simple and easy to follow. The best part is that it is extremely easy to get complimentary airport lounge access with your credit card, if eligible. 

The exact process may differ slightly from one card to the next. Typically, this is what you need to do to enjoy free lounge access with a credit card in India.

 

  • Step 1: Travel to the domestic airport from where you are boarding your flight

  • Step 2: Head to the reception area and let the receptionist or the customer support professional know about the complimentary lounge access offered with your credit card. 

  • Step 3: You will then be asked to provide your credit card to the receptionist for verification of the feature or facility you wish to avail. 

  • Step 4: Once verified, you will have to complete the necessary formalities as directed by the receptionist at the domestic airport. 

  • Step 5: The next step involves payment of the convenience fees charged for utilising the lounge access facility. The cost is ₹2 for Visa credit cards and ₹25 for MasterCard credit cards. You need to enter your PIN to make the payment. 

  • Step 6: After the payment has been processed, you will need to get your boarding pass stamped and approved by the receptionist. 

  • Step 7: You will then receive the stamped boarding pass along with a receipt for the convenience fee charged. 

  • Step 8: Once all this is done, you can gain access to the airport lounge and make use of all of the amenities offered.

Read More

Which are Some of the Best Credit Cards with Lounge Access in India in 2023?

The top five free airport lounge access credit cards in India in 2023 are:

 

  • HDFC Bank VISA Signature Credit Card

  • SBI Yatra Credit Card

  • Axis Bank Privilege Credit Card 

  • IndusInd Bank Platinum Select Credit Card

Airport Lounge Access at Various Cities Across India

Wondering how to access airport lounges with a credit card? Lounge access benefits are limited to select airports. In other words, you can only claim these benefits when at the right airport. Here’s a list of cities and airports where you can claim your credit

City 

Airport 

Terminal

Lounge Name

Ahmedabad 

Sardar Vallabhbhai Patel International Airport

Domestic

  • The Lounge

Amritsar

Shri Guru Ram Dass Jee International Airport

Domestic and International 

  • Primus Lounge 

Bangalore

Kempegowda International Airport

Domestic and International 

  • Travel and Food Service

Bhubaneswar 

Biju Patnaik International Airport 

Domestic 

  • Bird Lounge

Chandigarh

Chandigarh International Airport

Domestic and International 

  • Plaza Premium Lounge

  • Cram Bar

Chennai

Chennai International Airport

Domestic and International

  • TFS - Travel Club Lounge

Cochin

Cochin International Airport

Domestic and International 

  • Earth Lounge

Coimbatore 

Coimbatore International Airport

Domestic 

  • Blackberry Lounge

Dehradun

Jolly Grant Airport

Domestic 

  • Bird Lounge

Delhi 

Indira Gandhi International Airport

Domestic and International

Domestic - 

  • Plaza Premium Lounge 

  • The Centurion Lounge 

International -

  • Plaza Premium (A) Lounge 

Domestic and International - 

  • Air Maharaja Lounge 

Goa

Dabolim Airport 

Domestic

  • TFS - Good Times Lounge

  • Goa Travel Club Lounge

Guwahati 

Lokpriya Gopinath Bordoloi International Airport

Domestic 

  • Primus Lounge

Hyderabad

Rajiv Gandhi International Airport

Domestic and International 

  • Premium Plaza Lounge

Indore

Devi Ahilyabai Holkar International Airport 

Domestic 

  • Primus Lounge

Jaipur

Jaipur International Airport

Domestic 

  • Primus Lounge

Kannur

Kannur International Airport

Domestic and International 

  • Pearl Lounge

Kolkata

Netaji Subhash Chandra Bose International Airport 

Domestic and International

  • Travel Club Lounge

Lucknow

Chaudhary Charan Singh International Airport 

Domestic 

  • The Lounge

Madurai

Madurai Airport

Domestic 

  • Primus Lounge

Mumbai

Chhatrapati Shivaji International Airport

Domestic and International

Domestic -

  • Mumbai Airport Lounge 

  • OASIS Lounge 

  • TSF 

  • Aviserv Lounge 

  • The Centurion Lounge

  • Travel Club Lounge 

International -

  • Loyalty Lounge (International)

  • Clipper Lounge (International)

Domestic and International -

  • Adani Lounge (Domestic and International)

Nagpur

Dr. Babasaheb Ambedkar International Airport

Domestic 

  • Mandarin Lounge

Patna 

Jaiprakash Narayan International Airport

Domestic 

  • Zesto Executive Lounge

Pune

Lohegaon Airport

Domestic 

  • Earth Lounge

  • Bird Lounge

Ranchi

Birsa Munda Airport

Domestic 

  • Food Hangar 

Trivandrum

Trivandrum International Airport

Domestic 

  • Bird Lounge

Vadodara

Vadodara International Airport

Domestic 

  • Premium Lounge

Varanasi 

LBSI Airport

Domestic  

  • Take Off Bar

Vijayawada

Vijayawada International Airport

Domestic 

  • Amaravathi Lounge

Udaipur

Maharana Pratap International Airport

Domestic 

  • Golden Chariot

How to Apply for a Credit Card with Lounge Access

You can follow these quick and simple steps to apply for free airport lounge access credit cards at Bajaj Markets -

 

  • Step 1: Download the Bajaj Markets app on your device

  • Step 2: Create a new account or log into your account using credentials 

  • Step 3: Under ‘credit cards’ options, select the ideal airport lounge access credit card according to your goals and budget

  • Step 4: Enter mandatory details and attach supporting documents

  • Step 5: Check credit card eligibility and click on ‘Apply’

  • Step 6: Your application for an airport lounge access credit card is submitted.

FAQs on Credit Card Lounge Access

Which credit card is best for airport lounge access?

Banks and financial institutions offer a wide variety of credit cards with access to airport lounges, however, the ideal credit card depends upon the needs, goals, and budget of an individual.

Which credit card has unlimited lounge access?

HDFC Diners Black, CitiBank Prestige, and Yes Preferred Exclusive are some of the top credit cards that offer unlimited international and domestic lounge access to their cardholders.

What is the best credit card for lounge access in India in 2023?

A few of the top credit cards in the country that extend airport lounge access include the Citi PremierMiles credit card, American Express Platinum Travel credit card, and SBI ELITE credit card. Other credit cards with lounge access include the HDFC Regalia First credit card, Standard Chartered Ultimate credit card, and the HDFC Superia credit card.

Which Indian credit cards allow access to international airports lounge access?

Many Indian credit cards allow complimentary access to international airports lounge access like ICICI Bank Rubyx credit card, SBI Prime credit card, Axis Bank Select credit card, etc.

How do I know if my credit card is eligible for lounge access?

You can find out whether your credit card issuer offers complimentary access to airport lounges by logging into the mobile app. You can find the details under the “Complimentary Visit” section under the “My Information” tab on the app. Alternatively, you can visit your card issuer’s website, log in, go to “My Account”, and find the relevant details under the “Complimentary Visit” section.

 

If you cannot find this section, it implies that your card issuer does not provide complimentary lounge access.

Why should I have a credit card that provides lounge access?

Opting for a credit card with lounge access will offer you a wide range of benefits while you are at the airport, like top-notch food and liquor, free wifi, fast internet, shower access and many other premium services. With airports becoming more and more crowded, you can have a luxury experience with select facilities while you wait to board your flight.

How can I register with MasterCard Airport Experiences?

You can register with Mastercard Airport Experiences by visiting the LoungeKey website or mobile application. There, you can click on ‘register now’. The webpage or mobile app will then guide you through a seamless and easy-to-follow registration process.

How are the MasterCard Airport Experiences better than Priority Pass?

Mastercard Airport Experiences provides a wider range of benefits to customers compared to Priority Pass, even though both are offered by LoungeKey. Mastercard Airport Experiences not only offers simple airport lounge access, but also includes several luxury perks like dining, offers of retail outlets as well as spa services.

What is it about having unlimited access to airport lounges with a credit card?

Unlimited Airport Lounge access allows a traveller to enjoy drinks, food, wifi and comfort at a range of airports. Compared to limited access,  unlimited access often covers more airports and more facilities for the customer to enjoy, making it a favourable choice.

Why do I need a credit card with lounge access?

Credit cards with lounge access offer a wide range of benefits that can make your travel experience more comfortable. One of the main benefits is the ability to access airport lounges at no additional cost. These lounges typically offer a range of amenities such as comfortable seating, free WiFi, refreshments, and sometimes even shower facilities. This can be especially beneficial if you have long layovers or delays, since you can relax and rejuvenate in the meantime.

Credit cards with lounge access may also offer a range of other perks. These include priority check-in and baggage handling, which can save you time and make your travel experience less of a hassle.

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