If you're a frequent flyer, you know how stressful and tiring it can be to wait for your flight at the airport. The noise, the crowd, the lack of comfort and facilities can make you wish you had been anywhere else. But what if you could break out of the chaos and enjoy a relaxing and luxurious experience at the airport lounge? Sounds too accurate to be true, right?
Well, not if you have a lounge access credit card. A lounge-access credit card is a kind of credit card that gives you complimentary or discounted access of entry to airport lounges throughout India and abroad. Airport lounges are exclusive areas in which you may experience snug seating, free Wi-Fi, food and beverages, entertainment, and other services. Some lounges even provide spa treatments, showers, and sleeping pods.
A lounge access credit card can make your travel more exciting and worthwhile. You can save on food and drink, work or loosen up in peace, and avoid the hassle of finding a seat or a charging point at the terminal. Plus, you can also earn reward points, cashback, air miles, and other benefits on your credit card spending.
But which lounge-access credit card is right for you to pick out? There are many options available in the market, each with its own features and benefits. To help you decide, we have compiled a list of the best lounge-access credit cards in India. These cards offer not only lounge access, but also other perks such as discounts on travel bookings, fuel surcharge waiver, insurance cover, concierge service, and more.
So, without further ado, let's take a look at the best lounge-access credit cards in India.
Best Lounge-Access Credit Cards in India
1. Axis Bank Magnus Credit Card
The Axis Bank Magnus Credit Card is a premium credit card that offers:
- Unlimited free access to selected domestic lounges.
- International lounge access at the selected airports with the Priority Pass membership
- Complimentary 8 international lounge access for guests with the Priority Pass.
- 8 complimentary end-to-end VIP services at the airport with the airport concierge service
- 12 Axis EDGE reward points on every ₹200 spent
- 25,000 EDGE reward points worth ₹5,000 on spending ₹1 lakh in the previous month.
- 5X EDGE reward points on travel spend via Travel Edge.
- 15% off on a stay at Oberoi Hotels
- Up to ₹500 off on BookMyShow tickets.
- Up to 40% discount at over 4000 restaurants across India
- One complimentary domestic flight ticket or a Tata CLiQ voucher worth ₹10,000 as your annual benefit.
- Insurance Benefits:
- Purchase protection: ₹2 lakh
- Credit Shield: ₹5 lakh
- Insurance against Lost/Delayed Baggage & Personal Documents: 500 USD
- Lost card liability covers up to the credit limit
This card is ideal for those who travel frequently for business or leisure and want to enjoy a world-class service at the airport and beyond. You can also use this card for your everyday spending and earn reward points that can be redeemed for travel vouchers, gift cards, merchandise, or cash back. This card also offers you a low foreign currency markup fee of 2% on international transactions.
2. HDFC Bank Millenia Credit Card
The HDFC Bank Millenia Credit Card is a cashback credit card that offers:
- 8 complimentary domestic lounge visits per calendar year (max. 2 per quarter).
- Up to 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
- 1% cash back on all other spends (excluding fuel)
- ₹1000 worth of gift vouchers on quarterly spends of ₹1 lakh or more
- Up to 20% discount at over 2000 partner restaurants via Swiggy Dineout
- A fuel surcharge waiver of 1% up to ₹250 per month across all petrol pumps in India for transactions between ₹400 and ₹5,000.
- 5% cashback on flights and hotel reservations, with the maximum monthly cashback benefit capped at ₹1,000 for the first six months and ₹750 after that.
This card is ideal for those who shop online frequently and want to save money on their purchases. You can also use this card for your offline spending and get cashback on every transaction.
3. Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is a co-branded shopping credit card that offers:
- 4 Complimentary domestic lounge visits every year to select airports.
- 5% cashback on Flipkart.
- 4% cashback on Preferred Merchants.
- 1.5% cashback on all other spends.
- ₹1,100 worth of welcome benefits from Flipkart, Myntra and Swiggy.
- Up to ₹500 off on a second movie/non-movie ticket on BookMyShow (up to 5 times per month)
- Up to 15% off at 10,000+ participating restaurants across India.
- A fuel surcharge waiver of 1% up to ₹400 per month across all petrol pumps in India for transactions between ₹400 and ₹4,000.
This card is ideal for those who love online shopping and entertainment and want to get rewarded for their spending. You can also use this card for your offline spending and get cashback on every transaction.
4. HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is a premium travel credit card that offers:
- 12 complimentary access per calendar year within India (both at domestic and international terminals)
- 6 Complimentary lounge visits per calendar year outside India with the priority pass.
- 4 reward points on every ₹150 retail spent on insurance, utilities and education
- 10,000 reward points on annual spending of ₹5 lakh.
- An additional 5,000 reward points on annual spending of ₹8 lakh.
- A fuel surcharge waiver of 1% up to ₹500 per month across all petrol pumps in India for transactions between ₹400 and ₹5,000.
- Up to 20% savings on all your restaurant bill payments via Swiggy Dineout.
- Insurance Benefits:
- Accidental air death cover: ₹1 crore
- Emergency overseas hospitalization: ₹15 lakh
- Lost Card Liability Cover: ₹9 lakh
HDFC Regalia Credit Card is a premium card that offers you a world of benefits and privileges. Whether you want to travel, shop, dine, or enjoy entertainment, the HDFC Regalia Credit Card has something for you. You can earn reward points on every spend and redeem them for flights, hotels, vouchers, and more.
5. Air India SBI Signature Credit Card
The Air India SBI Signature Credit Card is a co-branded travel credit card that offers:
- 8 Complimentary domestic lounge visits at selected airports (max 2 per quarter).
- 8 Complimentary access to domestic airport lounges (max 2 per quarter).
- Access to international lounges, with a priority member pass at over 600 airport lounges.
- Up to 30 reward points for every ₹100 spent on Air India tickets booked through airindia.com, AirIndia mobile app.
- 20,000 reward points as a welcome gift on payment of the joining fee.
- 4 reward points for every ₹100 spent.
- A fuel surcharge waiver of 1% up to ₹250 per month across all petrol pumps in India for transactions between ₹500 and ₹4,000.
- Up to 1 lakh bonus reward points annually.
- Convert your Reward points into Air India miles. Get 1 Air India Air Mile for every reward point.
- Complimentary membership to Air India Frequent Flyer Program-Flying Returns.
This card is ideal for those who are loyal to Air India and want to earn air miles and reward points on their spending. You can also use this card for your everyday spending and get a fuel surcharge waiver and other benefits.
So these are the best lounge-access credit cards in India that you can consider applying for. These cards not only offer you a comfortable and luxurious experience at the airport but also help you save money and earn rewards on your travel and other spending.
But how do you choose the best lounge-access credit card for yourself? Here are some tips to help you:
- Compare the features and benefits of different cards and see which one matches your needs and preferences.
- Check the eligibility criteria and documents required for each card and see if you qualify for them.
- Check the annual fee and other charges of each card and see if they fit your budget.
- Check the customer reviews and ratings of each card and see what other users have to say about them.
- Check the application process and turnaround time of each card and see how easy or difficult it is to get them.
If you are interested in any of these cards, you can visit Select by Finology, where you can find, compare and apply for the credit card that suits you best. It is a platform that helps you choose the best credit card for your needs based on your spending patterns, preferences and eligibility.
So what are you waiting for? Visit Select by Finology today and get ready to fly high with the best lounge-access credit cards in India.