Best Credit Cards for Airport Lounge Access In India 2024

Introduction

Selecting the Best Credit Cards For Airport Lounge Access in India 2024 is a difficult process as several Banks in collaboration with airlines or travel partners are offering customised co-branded Airport Lounge Access Credit Cards in India today. After careful research and a detailed comparative study, I have selected a list of the Best Credit Cards For Airport Lounge Access in India in 2024 that is just right for you.

My Blog Post guides you through these selected co-branded credit cards by highlighting its Airport Lounge features including Eligibility and Documents required to access them. 

My Post also provides you a with a Comparision Table highlighting Lounge Access Benefits of selected Credit Cards.

BEST CREDIT CARDS FOR AIRPORT LOUNGE ACCESS IN INDIA-2024- SALIENT FEATURES AND REVIEW

Table of Contents

Best Credit Cards For Airport Lounge Access In India 2024

Standard Chartered Ease My Trip Credit Card

STANDARD CHARTERED EASE MY TRIP CREDIT CARD
Fees And Charges Lounge Access Benefits
Annual Fee -1st Year : ₹350 + GST Enjoy 1 Domestic Lounge Access per quarter
Renewal Fee : ₹350 + GST (2nd Year onwards) 2 International Lounge Access per year through Complimentary Priority Pass
Eligibility Criteria Description
Age The Applicant must be between 18 and 65 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a Stable Annual Income
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Bank statements(Last 3 Months /Latest salary slips ( 1-2 months), or latest audited ITR

This Credit Card is a Co-branded Credit Card between Standard Chartered Bank and Ease My Trip with exclusive travel benefits. It offer International Lounge Access at a low cost despite being an Entry-Level Credit Card.

HSBC Cashback Credit Card

HSBC CASHBACK CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee : ₹999 + GST 4 Domestic Lounge Visits per year( 1 per quarter)
Annual Fee : ₹999 + GST International Lounge Access : Not Available
Eligibility Criteria Description
Age The Applicant must be between 18 and 65 years old
Nationality The Applicant must be Citizen of India
Income Salaried applicants should have a minimum Annual Income of INR 4 Lakhs per annum
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements (Last 3 months)

HSBC Cashback Credit Card is a pretty decent Card as it offers complimentary domestic lounge access that makes domestic air travel more convenient. However, if you are looking for more extensive travel or any other category-specific benefits, then this card may not be the best choice.

SBI Elite Credit Card

SBI ELITE CREDIT CARD
Fees And Charges Lounge Access Benefits
Annual Fee (One-Time): ₹4999 + GST 2 complimentary Domestic Airport Lounge visits every quarter
Renewal Fee (Per Annum): ₹4999 + GST 6 complimentary International Airport Lounge visits per calendar year, outside India (max. 2 visits per quarter)
Eligibility Criteria Description
Age The Applicant must be between 18 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicants - Salaried and Self Employed should have a minimum Annual Income of INR 7.20 Lakhs per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Utility Bills(not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements (Last 3 months)

This Credit Card is jack of all trades. It offers lounge access through complimentary Priority Pass worth $99 as well as Club Vistara Silver and Trident Privilege Red Tier Memberships .The card justifies its annual fee through these extensive benefits and an annual fee waiver. 

Axis Bank Vistara Signature Credit Card

AXIS BANK VISTARA SIGNATURE CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee : ₹3000 + GST Complimentary access to domestic airport lounges up to 2 times in a quarter
Annual Fee : ₹3000 + GST (2nd Year onwards) International Airport Lounge Access : Not Available
Eligibility Criteria Description
Age The Applicant must be between 18 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a minimum Annual Income Of 6 Lakhs per annum
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for earning Club Vistara Points redeemable against upgrades and flight tickets and complimentary Club Vistara Silver Membership for priority check-in and additional baggage allowance.

SBI Prime Credit Card

Fees And Charges Lounge Access Benefits
Annual Fee (One-Time): ₹2999 + GST 8 complimentary visits per calendar year to Domestic Lounges in India (max. 2 visits per quarter)
Renewal Fee (Per Annum): ₹2999 + GST 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
Eligibility Criteria Description
Age The Applicant must be between 18 and 60 years old
Nationality The Applicant can be a resident as well as non-resident of India
Income Applicants - Salaried and Self Employed should have a minimum Annual Income of INR 3.6 Lakhs and INR 6.0 Lakhs respectively per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Utility Bills(not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements (Last 3 months)

This Credit Card is an all rounder Card as it offers decent Domestic as well as International lounge access through complimentary Priority Pass as well as Club Vistara Silver and Trident Privilege Red Tier Memberships . With these memberships, you can avail exclusive discount and privileges.

HDFC Regalia Gold Credit Card

HDFC REGALIA GOLD CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee: ₹10,000 + GST Complimentary access to 1,000+ airport lounges across the globe for primary card holders as well as add-on card holders.
Renewal Fee : ₹10,000 + GST (2nd Year Onwards) Please refer to the HDFC Diner's Club Black Credit Card site for a comprehensive list of Airports that can be accessed.
Eligibility Criteria Description
Age For Salaried Indian Age Requirement : 21 years up to 60 Years. For Self Employed Indian Age Requirement: 21 years up to 65 Years
Nationality The Applicant must be Citizen of India
Income For Salaried Indian : Net Monthly Income> ₹1,00000. For Self Employed Indian : Income as per ITR > ₹ 12 Lakhs per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

HDFC Regalia Gold Credit Card offers lounge access benefits for both primary as well as add-on cardholders, along with benefits on travel, shopping, and dining. The card also has a comparatively low forex markup fee of 2% as compared to the usual 3.5% fee on most cards. These benefits make the it one of the best international lounge access credit cards.

HDFC Diner's Club Black Credit Card

HDFC DINERS CLUB BLACK CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee: ₹10,000 + GST Complimentary access to 1,000+ airport lounges across the globe for primary card holders as well as add-on card holders.
Renewal Fee : ₹10,000 + GST (2nd Year Onwards) Please refer to the HDFC Diner's Club Black Credit Card site for a comprehensive list of Airports that can be accessed.
Eligibility Criteria Description
Age For Salaried Indian Age Requirement : Min 21 years & Max 60 Years. For Self Employed Indian Age Requirement: Min 21 years & Max 65 Years
Nationality The Applicant must be Citizen of India
Income For Salaried Indian : Net Monthly Income> Rs 1.75 Lakh. For Self Employed Indian : Income as per ITR > Rs 21 Lakhs per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for those who travel frequently as it offers great travel benefits, such as exclusive memberships, complimentary lounge access, holiday vouchers, bonus reward points on travel bookings and MMT Black Membership on payment of a Joining Fee.

Axis Bank Select Credit Card

AXIS BANK SELECT CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee : ₹3000 + GST (Nil for Burgundy) Earn up to 2 complimentary Domestic Lounge access per quarter on spends of ₹50,000/- in the last 3 months
Annual Fee (2nd Year onwards): ₹3000 + GST (Nil for Burgundy) Earn up to 12 complimentary International Airport Lounge Access through Priority Pass membership.
Eligibility Criteria Description
Age The Applicant must be between 18 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a minimum Annual Income Of 9 Lakhs per annum
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Credit Card offers travel benefits through complimentary international and domestic lounge access. Cardholders can redeem accumulated reward points into Air Miles. Offering up to 12 international lounge visits through the complimentary Priority Pass program makes this a reasonable choice for individuals seeking lounge access benefits.

HDFC Millenia Credit Card

HDFC MILLENIA CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee: ₹1,000 + GST With effect from 1st December 2023, Lounge access program for Millennia Credit Card has been integrated into the Quarterly Spends Milestone program
Renewal Fee: ₹1,000 + GST Customers spending ₹ 1 Lakh or more in a calendar quarter will receive DreamFolks airport lounge access voucher. DreamFolks is an airport lounge access programme that allows access to affiliated airport lounges globally
Eligibility Criteria Description
Age For Salaried Indian Age Requirement : 21 years up to 40 Years. For Self Employed Indian Age Requirement: 21 years up to 40 Years
Nationality The Applicant must be Citizen of India
Income For Salaried Indian : Net Monthly Income> ₹35,000. For Self Employed Indian : Income as per ITR > ₹ 6 Lakhs per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

HDFC Millenia Credit Card is a decent Card that offers lounge access benefits for both primary as well as add-on cardholders through DreamFolks Lounge Access programme. Through DreamFolks, you can access Lounge access to more that 1000 affiliated airports globally.

Club Vistara IDFC First Credit Card

CLUB VISTARA IDFC FIRST CREDIT CARD
Fees And Charges Lounge Access Benefits
Joining Fee: ₹4,999 + GST Enjoy 2 visits to Domestic Airport Spa & Lounge per quarter on spending ₹20,000 or more every month.
Annual Fee : ₹4,999 + GST (2nd Year Onwards) Also, Enjoy 1 visit to International Airport Lounge per quarter fulfilling the above spending limits
Eligibility Criteria Description
Age The Applicant must be at least 21 years of Age
Nationality The Applicant must be Citizen of India
Income The Applicant must have a minimum income of ₹3 lakhs per annum
Credit Score The Applicant must have good credit score preferably >700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills- 3 months
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for travel as it offers welcome benefits that include a complimentary premium economy flight ticket voucher and a one-class upgrade voucher, Bonus CV points on reaching spend-based milestone and  exclusive Club Vistara Silver tier membership.

Comparision Table-Best Credit Cards For Airport Lounge Access in India 2024

Credit Cards Joining /Annual Fee Renewal Fee Airport Lounge Access
Standard Chartered Ease My Trip Credit Card ₹350 + GST ₹350 + GST 1 Domestic Lounge Access per quarter and 2 International Lounge Access per year through complimentary Priority Pass
HSBC Cashback Credit Card ₹999 + GST ₹999 + GST 4 Domestic lounge visits per year, 1 per quarter. No International Lounge Access available
SBI Elite Credit Card ₹4999 + GST ₹4999 + GST 2 complimentary Domestic Lounge Access per quarter and 6 International Lounge Access per year outside India - maximum 2 per quarter
Axis Bank Vistara Signature Credit Card ₹3000 + GST ₹3000 + GST 2 complimentary domestic Lounge access per quarter. No International Lounge access
SBI Prime Credit Card ₹2999 + GST ₹2999 + GST 8 complimentary Domestic Lounge Access per year- maximum 2 per quarter and 4 International Lounge Access per year outside India - maximum 2 per quarter
HDFC Regalia Gold Credit Card ₹2500 + GST ₹2500 + GST 12 complimentary airport lounge access at both domestic and international terminals.
HDFC Diner's Club Black Credit Card ₹10000 + GST ₹10000 + GST Complimentary access to 1000 + airport lounges across the globe for primary card holders as well as add-on card holders
Axis Bank Select Credit Card ₹3000 + GST ₹3000 + GST 2 complimentary Domestic Lounge Access per quarter on spends of ₹50,000 in the last 3 months and 12 International Lounge Access per year outside India through Priority Pass Membership
HDFC Millenia Credit Card ₹1000 + GST ₹1000 + GST Access to International Airport Lounges through DreamFolks Vouches subject to spending of ₹1,00,000 or more in a calendar year. DreamFolks is an Airport Lounge Access programme that provides access to Airport Lounges globally
Club Vistara IDFC First Credit Card ₹4999 + GST ₹4999 + GST Domestic Airport Spa & Lounge - 2 per quarter/ International Airport Lounge - 1 per quarter

Conclusion

In conclusion, Airport Lounge Access Credit Cards are extremely valuable if you are a frequent traveller and looking for Lounge Access at Airports when travelling domestic as well as International. These cards not only offer lounge access but also come with additional perks like reward points, cashback, and travel benefits, enhancing the overall travel experience. 

When choosing a card, always consider the annual fees, the number of lounge visits allowed, and any additional benefits that align with your travel habits and preferences. 

FAQs

Can I get Airport Lounge access on my Credit Card without paying any fees ?

No. You have to shell out a certain amount every year as Annual Fees to avail  Airport Lounge access and other travel benefits on your Credit Card. If you are paying a higher fees annually on your credit card , then the number of Lounge visits will also increase concurrently.

Yes. Some Credit Cards do offer unlimited Airport Lounge Access to its customers. However, You have to pay very High Annual Fees for availing such a facility. Furthermore, such Credit Cards have stricter terms for application pertaining to Annual Income and Credit history.

Maximizing your rewards with a travel credit card involves strategic planning and making the most of the card’s features. Here are some tips to help you get the most out of your travel credit card:

  • Choose the Right Card
  • Meet the Minimum Spend Requirement
  • Use the Card for All Eligible Purchases
  • Leverage Bonus Categories
  • Combine Points and Miles
  • Redeem Wisely
  • Keep an Eye on Promotions
  • Use Travel Portals

Priority Pass membership provides access to a global network of airport lounges, regardless of the airline you’re flying with or the class of your ticket. It provides three main membership Plans offering the following benefits :

  • Lounge Access: Access to over 1,500 lounges in more than 600 cities and 145 countries.
  • Comfort and Convenience: Lounges offer comfortable seating, complimentary snacks and beverages, Wi-Fi, and sometimes even showers and sleeping areas.
  • Additional Perks: Some lounges provide business facilities, spa services, and exclusive offers.

DreamFolks is an Indian airport service aggregator that provides a range of airport-related services through a technology-driven platform.

It offers services such as airport lounge access, airport transfers, meet and assist, and transit hotels. They cater to various sectors including banking, fintech, OTAs (Online Travel Agencies), airlines, and enterprises. The company has a significant presence in India, covering 54 airport lounges and holding a market share of over 95% for card-based access to domestic lounges.

Airport lounge access offers a range of benefits that can significantly enhance your travel experience. Hence, it is perfectly justified to pay a little higher Annual Fees on your Credit Card.Here are some of the key advantages:

  • Comfort and Relaxation: Lounges provide a quiet and comfortable environment away from the hustle and bustle of the main terminal. You can relax in comfortable seating, often with more space and privacy.
  • Food and Beverages: Most lounges offer complimentary snacks, meals, and beverages, including alcoholic drinks. This can be a great way to enjoy a meal or refreshment without the high costs of airport restaurants.
  • Wi-Fi and Workspaces: Lounges typically offer free Wi-Fi and dedicated workspaces, making it easier to stay connected and productive while waiting for your flight.
  • Entertainment: Many lounges provide a variety of entertainment options, such as TVs, magazines, newspapers, and sometimes even gaming consoles.
  • Shower Facilities: Some lounges offer shower facilities, which can be particularly beneficial for long-haul travelers looking to freshen up before or after a flight.
  • Customer Service: Lounge staff can assist with travel-related queries, such as flight information, rebooking, and other travel arrangements.
  • Priority Boarding: Access to lounges often comes with additional perks like priority boarding, which can make the boarding process smoother and quicker.
  • Family-Friendly Amenities: Some lounges have dedicated play areas for children, making it easier for families to manage their time at the airport.

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