Complimentary airport lounge visits. Ranked by our editor score: reward rate, fee-to-value, perks you will actually use and ease of approval.
Lounge access used to be the easiest perk to get and is now the most hedged. Almost every issuer added a spend condition in 2024 and 2025, so the number on the brochure rarely matches what you will actually get.
Our listings show two numbers: visits per year and the spending needed to unlock them. HDFC's mid-range cards need ₹1 lakh in a quarter for the next quarter's visits. IDFC FIRST Select needs ₹20,000 in the previous month. Scapia needs ₹10,000. Super-premium cards (Infinia, Magnus) have no condition. If your monthly card spend is ₹25,000, a card that needs ₹1 lakh a quarter will give you lounge access roughly half the time.
Domestic access runs through the Visa, Mastercard or RuPay networks and works at most Indian airports. International access is usually Priority Pass or DreamFolks, with a separate quota and sometimes a per-visit charge after the free visits run out. Check whether guests are included; on most cards they are not, and a guest visit is billed at around ₹2,000 plus GST.
IDFC FIRST and a few others include railway lounge visits (IRCTC executive lounges at major stations). Useful if you travel by train more than by air; most people do.
Free: IDFC FIRST Select and Scapia Federal. Mid-range: HDFC Regalia Gold for 18 visits across domestic and international. No-conditions unlimited: Infinia or Magnus, if the bank will issue one to you.
Written by the CardSparrow editorial team. Figures checked against each issuer's MITC; see our editorial policy.
16 cards found
Best for premium travel & lifestyle
4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.
Best for everyday online spends
5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.
Best for lifetime-free lounge access
Lifetime free with 10X points above ₹20,000 monthly spends, 4 domestic lounge visits a quarter and no reward expiry.
Best for bill payments & food delivery
5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on everything else, uncapped.
Best for ultra-premium invite-only
5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.
Best for luxury travel transfers
12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.
Best for frequent flyers
Earn EDGE Miles transferable to 20+ airline and hotel partners at 1:2, with tiered lounge access that grows with spends.
Best for flipkart & myntra shoppers
5% unlimited cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on preferred partners and 1% everywhere.
Best for zero forex travel
Lifetime free travel card with 0% forex markup, unlimited domestic lounge access on ₹10,000 monthly spends and 10% Scapia coins.
Best for tata brands & upi
5% NeuCoins on Tata Neu and Tata brands (BigBasket, Croma, Westside, Air India), 1.5% on UPI and everything else.
Best for groceries & dining cashback
10% accelerated cashback on dining, food delivery and groceries, 1.5% unlimited on all other spends, 4 lounge visits.
Best for movies & milestone vouchers
₹5,000 welcome e-voucher, free movie tickets worth ₹6,000 a year, 5X on dining, departmental and grocery spends.
Best for small businesses & gst payments
5X points on business spends like GST, tax, vendor and utility payments, 16 lounge visits and 55-day interest-free credit.
Best for customisable benefits
India's first customisable credit card – switch on 5X/10X rewards, cashback or lounge access only for the months you need them.
Best for fuel + utilities
6.5% back on HPCL fuel, 5% on grocery, departmental and utility spends and 1 domestic lounge visit a quarter.
Best for upi on credit
RuPay card that links to UPI apps, 2 points per ₹100 on all spends including UPI, with quarterly lounge access on ₹35,000 spends.