Why are These Free Lounge Access Credit Cards in India 2025 Every Travelers’ Dream?

Long layover expected on your next trip? Let’s change the regular plastic chair to a luxury lounge for you to wait! Imagine relaxing on the plush beds, enjoying complimentary snacks, using free Wi-Fi, and taking a relaxing shower before your next flight. Feels like magic when the wait turns into a mini-vacation! Shhh… you know you can access the lounges for free, right? Yes, with the right lounge access credit cards, it’s all at zero cost!

Scroll on to find the best airport lounge access credit cards list of 2025 to make layovers feel like short luxury stops.

Please note: All the credit card perks mentioned below are accessible under certain terms and conditions, which you can learn more about on the official website.

Benefits of Having Lounge Access Credit Cards

Airport lounge access credit cards India are a golden pass for frequent flyers, since they provide complimentary entry. Travellers can also enjoy gathering travel points, dining discounts, etc. Some provide travel insurance and access to additional checked baggage allowance for free.

Secure all-inclusive holiday tour packages and reserve the best hotels online at the lowest rates to save more on your vacation.

AT Tip: Going for travel-centered credit cards is one of the best ways to ensure they include free lounge access.

HDFC Credit Cards for Free Lounge Access

Some of the best lounge access credit cards by HDFC Bank are:

HDFC Diners Club Black

This is one of the top free airport lounge access credit cards, providing unlimited complimentary entry to over 1,300 domestic and international lounges annually. Besides that, the card allows you to enjoy 6 complimentary Golf games worldwide and travel insurance covering INR 55,000.

Foreign currency markup: 2%
Joining Fee: INR 10,000 + taxes

HDFC Regalia Gold Credit Card

Users of this card can access 12 domestic lounges and 6 international lounges. The card also covers the emergency hospitalization fee up to INR 15 lakhs abroad,

Foreign currency markup: 3.5%
Joining Fee: INR 2,500 + taxes

Did you know that at certain airports in India, you can also enjoy complimentary lounge access debit card? HDFC Bank Inifiniti Debit Card offers access to 16 lounges for free!  

HDFC Bank Tata Neu Infinity Credit Card

With the card, travellers can enjoy complimentary lounge access at 8 domestic lounges (two in a quarter year) and 4 international lounges (one in a quarter year). This credit card also covers up to INR 15 lakhs of hospitalization fees abroad.

Foreign currency markup: 2%
Joining Fee: INR 1,499 + taxes.

Marriott Bonvoy HDFC Bank Credit Card

Travellers can access 12 domestic lounges (in both terminals) and 12 international lounges anywhere in the world with this credit card. The card also covers up to USD 250 on lost checked baggage, lost travel documents, and delays.

Foreign currency markup: 3.5%
Joining Fee: INR 3,000 + taxes

It’s challenging to find a credit card with lounge access and no annual fee India, but you can access the US Bank Altitude Connect Visa Signature Credit Card that provides such services abroad.

Explore: Best Airport Lounges in the World: Your Guide to Pre-Flight Luxury

SBI Credit Cards

Some of the best lounge access credit cards that give you free access are:

SBI Elite Credit Card

The credit card users can access over 1000 lounges, out of which travellers can access six lounges internationally and two domestic lounges every quarter annually. It’s mainly known for its low foreign currency markup fee and big discounts on shopping and movies.

Foreign currency markup: 1.99%
Joining Fee: INR 4,999 + taxes

SBI Prime Credit Card

Travellers using the SBI Prime Credit card can enjoy complimentary access to 8 domestic lounges and 4 international lounges annually (maximum 2 visits per quarter for each).  

Foreign currency markup: 3.5%
Joining Fee: INR 2,999 + taxes.

Discover: Travelling Abroad? Travel Smart with the Best Forex Cards in India.

Axis Bank Atlas Credit Card

Annual Fee: INR 5,000
Domestic Lounge Access: 8
International Lounge Access: 4

One of the best international airport lounge access credit cards made specifically for travel enthusiasts is the Axis Bank Atlas Credit Card! If you’re looking to add comfort and luxury to your conveyance, the Axis Bank Atlas Credit Card is a definite add to your wallet.

Additional Perks: Once you maximise your credit card points, you can also grab big discounts on cheap flight tickets or even get a complimentary ticket!

American Express Platinum Travel Credit Card

Domestic & International Lounge Access: 8

American Express Platinum Travel credit card holders can enjoy complimentary access to 8 domestic and international lounges out of the 1,400 worldwide annually. This is one of the top-chosen lounge access credit cards since it also covers travel insurance and refunds up to USD 500 (INR 43,520) for trip delays by 6 hours.

Additional Perks: You can also access suite benefits at over 1,600 hotels worldwide, meaning a trip filled with free room upgrades! If you apply for a 5-year membership, you can also access TSA PreCheck and much more to make your travel as smooth as you could dream of.  

Oops! Already surpassed the lounge access limit? You can pay a small fee to access the others! Applicable to all credit cards.

IndusInd Tiger Credit Card

Domestic & International Lounge Access: 2 each

With the IndusInd Tiger Credit Card, passengers can enjoy complimentary access to two lounges at domestic and international airports, respectively. Passengers need a Priority Pass to access the international lounges for free.

Additional Perks: It’s a favourite among cinema lovers, as the card also provides free tickets up to INR 500 once in six months. With a low foreign currency markup of 1.5% it’s particularly loved as among international free airport lounge access credit cards.

Before you grab the free lounge access credit cards, you must consider your credit score, citizenship, employment status, and yearly income. Also, apply for online visa services for 180+ countries to get the savings started!

Summing Up:

A list of the lounge access credit cards that offer complimentary entrance to domestic and international lounges is:

• American Express Platinum Credit Card.
• HDFC Diners Club Black.
• SBI Elite Credit Card.
• Axis Bank Atlas Credit Card.
• IndusInd Tiger Credit Card.

You can access anywhere between 16 and 4 lounges for free with these annually worldwide. Some also cover travel insurance, lost luggage, and delayed flights.  

FAQs: Lounge Access Credit Cards

Which credit card gets the best lounge access?
The credit card offering the best lounge access is the HDFC Diners Club Black credit card, offering unlimited access to over 1,300 domestic and international lounges annually.

How to check airport lounge access on credit card?
You can check the perks and travel benefits of a credit card online on the official website to know if there is complimentary lounge access.

What is a 2 rupees lounge in the airport?
Passengers are expected to pay a small charge of INR 2 while entering the lounge, so the staff can ensure the card is still valid. It also confirms your eligibility for the lounge without a long process of research.

Which banks offer free airport lounge access?
A few banks in India offering free airport lounge access are HDFC, ICICI, Axis Bank, IndusInd, and SBI.

What credit score is needed for lounge access?
Every passenger must have a credit score of 780+ to get complimentary lounge access.

Which SBI credit card has lounge access?
The SBI Prime and Elite Credit Cards offer complimentary lounge access. Others are SBI Card Octane and SBI Card Pulse, which also offer lounge access at airports.

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