Best Credit Cards with Airport Lounge Access in India for 2026

Axis Bank Horizon Credit Card
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Axis Bank Horizon Credit Card

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Joining Fee Joining Fee
₹3000 + GST
Annual Fee Annual Fee
₹3000 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Reward | Airport Lounge Access

Reward Key Benefits

  • Enjoy 8 international lounge visits per year (2 per quarter)
  • Get up to 32 domestic lounge visits per year (Visa Signature) or 24 visits (Mastercard)
  • Earn 5 EDGE Miles per ₹100 on Travel EDGE and airline spends

  • Get 5,000 EDGE Miles as a welcome bonus and 1,500 EDGE Miles on yearly renewal
  • Earn 5 EDGE Miles per ₹100 on Travel EDGE and airline bookings
  • Earn 2 EDGE Miles per ₹100 on all other spends
  • 1 EDGE Mile equals 1 partner point for easy redemption
  • Enjoy up to 8 international lounge visits per year (2 per quarter)
  • Get up to 32 domestic lounge visits (Visa) or up to 24 (Mastercard) every year
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Axis Atlas Credit Card
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Axis Atlas Credit Card

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Joining Fee Joining Fee
₹5000 + GST
Annual Fee Annual Fee
₹5000 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Reward | Airport Lounge Access

Reward Key Benefits

  • International Lounge Visits: 4 for Silver Tier, 6 for Gold Tier, and 12 for Platinum Tier cardholders
  • Domestic Lounge Visits: 8 for Silver Tier, 12 for Gold Tier, and 18 for Platinum Tier cardholders
  • 2 EDGE Miles for every Rs. 100 spent across all categories

  • Enjoy a welcome bonus of up to 2,500 EDGE Miles.
  • Earn 5 EDGE Miles per ₹100 spent on travel (up to ₹2 lakh per month).
  • Get 2 EDGE Miles per ₹100 on spends beyond ₹2 lakh or across other categories.
  • Redeem your EDGE Miles on the Travel EDGE platform at a 1:1 ratio (1 EDGE Mile = ₹1).
  • Convert EDGE Miles to partner programs — 2 EDGE Miles = 2 Partner Points (or 2 EDGE Miles = 1 Marriott Bonvoy Point).
  • Access up to 12 international and 18 domestic airport lounges every year*.
  • Unlock milestone rewards of up to 5,000 bonus EDGE Miles annually*.
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SBI Card Miles Elite
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SBI Card Miles Elite

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Joining Fee Joining Fee
₹4999 + GST
Annual Fee Annual Fee
₹4999 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Reward | Airport Lounge Access

Reward Key Benefits

  • Enjoy 8 domestic lounge visits every year (max 2 per quarter) + additional visits on ₹1 lakh spends (up to 15/year)
  • Get Priority Pass membership with 6 international lounge visits per year
  • Earn 6 Travel Credits per ₹200 on travel and 2 credits per ₹200 on other spends

  • Get complimentary Priority Pass membership for first 2 years
  • Enjoy 6 international lounge visits per year (max 2 per quarter)
  • Get 8 domestic lounge visits per year (max 2 per quarter)
  • Get 1 additional domestic lounge visit on every ₹1 lakh spend
  • Earn 20,000 bonus Travel Credits on ₹12 lakh annual spends
  • Get annual fee waived on ₹15 lakh annual spends
  • Enjoy low forex mark-up fee of 1.99% on international spends
  • Earn 6 Travel Credits per ₹200 on travel spends and 2 credits per ₹200 on other spends
  • Get 5,000 Travel Credits on ₹1 lakh spend within 60 days
  • Get 1% fuel surcharge waiver up to ₹500 per month
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IndusInd Bank Avios Visa Infinite Credit Card
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IndusInd Bank Avios Visa Infinite Credit Card

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Joining Fee Joining Fee
₹10000 + GST
Annual Fee Annual Fee
₹5000 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Airport Lounge Access

Reward Key Benefits

  • Enjoy 2 international lounge visits every quarter with complimentary Priority Pass membership
  • Get 2 complimentary domestic lounge visits every quarter
  • Earn up to 5 Avios per ₹200 on international spends and 2 Avios on Qatar Airways & British Airways bookings

  • Get 10% + additional 10% discount on Qatar Airways flight bookings
  • Earn up to 6 Avios per ₹200 on spends and up to 36,000 bonus Avios annually
  • Get 20,000 Avios as welcome bonus and 5,000 Avios on renewal
  • Enjoy Priority Pass membership with international and domestic lounge access every quarter
  • Pay low forex mark-up fee of 1.5% on international spends
  • Get complimentary airport meet & greet services and concierge assistance
  • Save with 1% fuel surcharge waiver (uncapped)
  • Enjoy global Visa offers on airport services and limo transfers
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YES BANK Marquee Credit Card
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YES BANK Marquee Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Airport Lounge Access

Reward Key Benefits

  • Enjoy unlimited international lounge access and up to 24 domestic lounge visits per year (6 per quarter)
  • Get 8 complimentary lounge visits for guests annually
  • Earn 36 YES Rewardz points per ₹200 on online spends

HDFC Regalia Gold Credit Card
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HDFC Regalia Gold Credit Card

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Joining Fee Joining Fee
₹2500 + GST
Annual Fee Annual Fee
₹2500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Shopping | Reward | Airport Lounge Access

Reward Key Benefits

  • Enjoy 6 international lounge visits via Priority Pass and 12 domestic lounge visits every year
  • Get complimentary vouchers, MMT Black Elite and Swiggy One memberships on ₹1 lakh spend in first 90 days
  • Earn 20 reward points per ₹150 on Myntra, Marks & Spencer, Reliance Digital and Nykaa

  • Get complimentary Swiggy One and MMT Black Elite memberships.
  • Receive a gift voucher worth ₹2,500 on payment of the joining fee.
  • Enjoy 6 complimentary international and 12 complimentary domestic airport lounge visits every year.
  • Earn ₹1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott on quarterly spends of ₹1.5 lakh.
  • Get flight vouchers worth ₹5,000 on annual spends of ₹5 lakh.
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Axis SELECT Credit Card
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Axis SELECT Credit Card

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Joining Fee Joining Fee
₹3000 + GST
Annual Fee Annual Fee
₹3000 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Reward | Airport Lounge Access

Reward Key Benefits

  • Get complimentary Priority Pass membership on first transaction within 30 days
  • Enjoy 6 international lounge visits per year + additional 6 visits on ₹3 lakh spends
  • Get 2 domestic lounge visits per quarter on ₹50,000 spend in last 3 months

  • Earn 10 EDGE points/Rs. 200; 2X on retail spends.
  • Discounts on BigBasket, Swiggy, and movies.
  • Priority Pass & lounge access, travel perks.
  • Welcome & milestone rewards up to 10,000 points.
  • Complimentary golf rounds and dining offers.
  • 1% fuel surcharge waiver on Rs. 400–4,000 spends.
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AU Zenith+ Credit Card
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AU Zenith+ Credit Card

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Joining Fee Joining Fee
₹4999 + GST
Annual Fee Annual Fee
₹4999 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Entertainment | Reward

Reward Key Benefits

  • Enjoy 16 international and 16 domestic lounge visits every year
  • Earn 2 reward points per ₹100 on travel, dining and international spends
  • Earn 1 reward point per ₹100 on other retail spends

  • Welcome benefit of 10,000 bonus reward points on spending ₹1 lakh in the first 60 days
  • Earn 20 reward points per ₹100 spent on dining
  • 2X rewards on dining, travel, and international spends
  • 1X reward point on every ₹100 spent on other categories
  • 1 reward point equals ₹1 in redemption value
  • 16 complimentary domestic and 16 international airport lounge visits per year
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Ixigo AU Credit Card
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Ixigo AU Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Airport Lounge Access | Railway Lounge Access

Reward Key Benefits

  • Enjoy 16 domestic airport lounge visits and 16 railway lounge visits every year
  • Get 1 complimentary international lounge visit annually
  • Earn 20 reward points per ₹200 on train bookings via Ixigo

  • 0% forex markup fee, but lacks other international travel benefits.
  • Limited value for overseas holiday bookings.
  • Best suited for frequent domestic travelers booking via Ixigo.
  • Offers savings through discounts and reward points on Indian travel.
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Federal Bank Scapia Credit Card
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Federal Bank Scapia Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Travel | Airport Lounge Access | Lifetime free

Reward Key Benefits

  • Enjoy unlimited domestic airport lounge access on ₹5,000 monthly spend
  • Earn 10% Scapia Coins on all online and offline spends
  • Get 20% Scapia Coins on travel bookings via Scapia app

  • Earn 10% Scapia Coins on eligible online & offline spends
  • Redeem coins easily for flights, hotels, and buses (5 Coins = ₹1)
  • Zero joining & annual fees
  • Digital-first experience with instant virtual card activation
  • 1% fuel surcharge waiver up to ₹500/month
  • 24x7 app control & support
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Best Airport Lounge Access Credit Cards in India for 2026

Here is list of top Airport Lounge Access credit cards along with detailed benefits and fees & charges.

1. Axis Bank Horizon Credit Card

Axis Bank Horizon Credit Card

Joining Fee: Rs. 3000 + GST

Annual Fee: Rs. 3000 + GST

Key Features and Benefits:

  • Enjoy 8 international lounge visits per year (2 per quarter)
  • Get up to 32 domestic lounge visits per year (Visa Signature) or 24 visits (Mastercard)
  • Earn 5 EDGE Miles per ₹100 on Travel EDGE and airline spends
  • Earn 2 EDGE Miles per ₹100 on other spends
  • Get 5,000 EDGE Miles as welcome bonus on first transaction
  • Receive 1,500 EDGE Miles every year as renewal benefit

Axis Bank Horizon Credit Card offers EDGE Miles with up to 5% value-back on travel bookings made via the Travel EDGE platform and airline websites, along with around 2% value-back on other spends. The card comes with a 1:1 EDGE Miles redemption ratio across multiple travel partners, making it a flexible option for travellers. It also provides a high number of complimentary domestic lounge visits without any minimum spend condition. With added benefits like renewal bonus EDGE Miles and strong travel rewards, this card is a good choice for frequent travellers.

2. Axis Atlas Credit Card

Axis Atlas Credit Card

Joining Fee: Rs. 5000 + GST

Annual Fee: Rs. 5000 + GST

Key Features and Benefits:

  • International Lounge Visits: 4 for Silver Tier, 6 for Gold Tier, and 12 for Platinum Tier cardholders
  • Domestic Lounge Visits: 8 for Silver Tier, 12 for Gold Tier, and 18 for Platinum Tier cardholders
  • 2 EDGE Miles for every Rs. 100 spent across all categories
  • 2 EDGE Miles for every Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
  • 5 EDGE Miles for every Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
  • 2,500 bonus EDGE Miles on making the first transaction within 37 days of card setup
  • EDGE Miles can be converted to loyalty points with select airlines and hotels in a 1:2 ratio
  • 1 EDGE Mile = Rs. 1 for making travel bookings via Axis Bank’s Travel EDGE Platform

3. SBI Card Miles Elite

SBI Card Miles Elite

Joining Fee: Rs. 4999 + GST

Annual Fee: Rs. 4999 + GST

Key Features and Benefits:

  • Enjoy 8 domestic lounge visits every year (max 2 per quarter) + additional visits on ₹1 lakh spends (up to 15/year)
  • Get Priority Pass membership with 6 international lounge visits per year
  • Earn 6 Travel Credits per ₹200 on travel and 2 credits per ₹200 on other spends
  • Get 5,000 Travel Credits on ₹1 lakh spend within 30 days
  • Earn 20,000 bonus Travel Credits on ₹12 lakh annual spends
  • Pay low forex mark-up fee of 1.99%

4. IndusInd Bank Avios Visa Infinite Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

Joining Fee: Rs. 10000 + GST

Annual Fee: Rs. 5000 + GST

Key Features and Benefits:

  • Enjoy 2 international lounge visits every quarter with complimentary Priority Pass membership
  • Get 2 complimentary domestic lounge visits every quarter
  • Earn up to 5 Avios per ₹200 on international spends and 2 Avios on Qatar Airways & British Airways bookings
  • Earn 1 Avios per ₹200 on other spends
  • Get 10% + additional 10% discount on Qatar Airways flight bookings
  • Pay low forex mark-up fee of 1.5% on international transactions
  • Enjoy 2 complimentary airport meet-and-greet services every year

5. YES BANK Marquee Credit Card

YES BANK Marquee Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Enjoy unlimited international lounge access and up to 24 domestic lounge visits per year (6 per quarter)
  • Get 8 complimentary lounge visits for guests annually
  • Earn 36 YES Rewardz points per ₹200 on online spends
  • Earn 18 points per ₹200 on offline spends and 10 points on select categories
  • Pay low forex mark-up fee of 1%
  • Get up to 12 complimentary golf lessons and 4 green fee waivers every year

6. HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2500 + GST

Annual Fee: Rs. 2500 + GST

Key Features and Benefits:

  • Enjoy 6 international lounge visits via Priority Pass and 12 domestic lounge visits every year
  • Get complimentary vouchers, MMT Black Elite and Swiggy One memberships on ₹1 lakh spend in first 90 days
  • Earn 20 reward points per ₹150 on Myntra, Marks & Spencer, Reliance Digital and Nykaa
  • Earn 4 reward points per ₹150 on other spends
  • Get ₹1,500 vouchers on ₹1.5 lakh quarterly spends
  • Earn ₹5,000 flight vouchers on ₹5 lakh and ₹7.5 lakh annual spends

The card offers a good reward rate on everyday spends, including categories like insurance, utilities, and education, which are usually excluded by many cards. It also provides 5X rewards on brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital, making it a great option for frequent shoppers. Additionally, you get flexible redemption options, including travel bookings, cashback, and an exclusive gold catalogue with premium brands like Apple and Fitbit.

7. Axis SELECT Credit Card

Axis SELECT Credit Card

Joining Fee: Rs. 3000 + GST

Annual Fee: Rs. 3000 + GST

Key Features and Benefits:

  • Get complimentary Priority Pass membership on first transaction within 30 days
  • Enjoy 6 international lounge visits per year + additional 6 visits on ₹3 lakh spends
  • Get 2 domestic lounge visits per quarter on ₹50,000 spend in last 3 months
  • Earn up to 10 EDGE reward points per ₹200 on spends
  • Get 10,000 EDGE reward points worth ₹2,000 as welcome bonus
  • Earn 5,000 EDGE reward points on ₹3 lakh annual spends
  • Enjoy up to 12 complimentary golf rounds every year

While the Axis SELECT Credit Card offers a strong reward earning rate, especially on offline spends where most cards give lower returns, its low redemption value of Rs. 0.20 per point reduces the overall benefit. The card also allows conversion of reward points into airmiles and hotel loyalty programs, but the rates are relatively low at 5:1 for select partners and 10:1 for others. Even with better options, 20,000 reward points would convert to around 4,000 air miles, limiting the overall value.

In addition, redemption flexibility is restricted as partners are divided into Group A and Group B, with annual transfer limits of 1 lakh and 4 lakh points respectively. This makes it harder for users to fully maximize rewards, especially if they prefer specific airline or hotel partners.

8. AU Zenith+ Credit Card

AU Zenith+ Credit Card

Joining Fee: Rs. 4999 + GST

Annual Fee: Rs. 4999 + GST

Key Features and Benefits:

  • Enjoy 16 international and 16 domestic lounge visits every year
  • Earn 2 reward points per ₹100 on travel, dining and international spends
  • Earn 1 reward point per ₹100 on other retail spends
  • Pay low forex mark-up fee of 0.99%
  • Get 4 complimentary airport VIP meet & assist services annually
  • Get ₹5,000 worth vouchers or reward points as welcome benefit
  • Enjoy Taj Epicure membership and 1,000 bonus points as milestone benefits
  • Get 8 complimentary golf games or lessons every year

It also includes Taj Epicure Membership, reduced international transaction fees, complimentary golf rounds, 24x7 concierge services, fuel surcharge waivers, and comprehensive protection coverage, offering convenience and peace of mind in every financial transaction.

9. Ixigo AU Credit Card

Ixigo AU Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Enjoy 16 domestic airport lounge visits and 16 railway lounge visits every year
  • Get 1 complimentary international lounge visit annually
  • Earn 20 reward points per ₹200 on train bookings via Ixigo
  • Get 10% off on bus bookings and discounts on hotel & flight bookings via Ixigo
  • Earn 10 reward points per ₹200 online and 5 points per ₹200 offline
  • Pay zero forex markup fee on international transactions

The AU Small Finance Bank and Ixigo co-branded credit card gives you up to 10% discount on bus, flight, and hotel bookings made on the Ixigo app or website. It also offers special perks for train travelers, making railway journeys more rewarding.

10. Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Enjoy unlimited domestic airport lounge access on ₹5,000 monthly spend
  • Earn 10% Scapia Coins on all online and offline spends
  • Get 20% Scapia Coins on travel bookings via Scapia app
  • Pay zero forex markup fee on international transactions

The Scapia Federal Bank Credit Card gives 4% value-back on travel bookings through the Scapia app and 2% value-back on other purchases, all in the form of Scapia Coins. There’s no limit on how many coins you can earn, making it ideal for high-spenders. Coins can be redeemed on the Scapia app without any maximum limit, covering up to 100% of travel bookings. The app supports flights and hotels worldwide, train and bus tickets in India, and even visa applications for 40+ countries, making it perfect for frequent travelers.

Explore Other Airport Lounge Access Credit Cards

SBI Elite Credit Card

SBI Elite Credit Card

Joining Fee: ₹4999
🎥 Entertainment 🏆 Reward 💺 Airport Lounge Access 
  • Get 2 domestic lounge visits per quarter in India
  • Enjoy 6 international lounge visits per year (max 2 per quarter)
Read More Check Eligibility
IDFC FIRST Mayura Credit Card

IDFC FIRST Mayura Credit Card

Joining Fee: ₹5999
✈ Travel 💺 Airport Lounge Access 
Read More Check Eligibility
Marriott Bonvoy HDFC Credit Card

Marriott Bonvoy HDFC Credit Card

Joining Fee: ₹3000
✈ Travel 💺 Airport Lounge Access 
  • Enjoy 12 complimentary lounge visits each year outside India
  • Enjoy 12 complimentary lounge visits each year within India at both domestic and international terminals
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IDFC First Bank Ashva Metal Credit Card

IDFC First Bank Ashva Metal Credit Card

Joining Fee: ₹2999
✈ Travel 🏆 Reward 💺 Airport Lounge Access 
  • 1% low forex mark-up fee on international spends
  • Use lounge access to bring 1 guest with a valid train ticket at no extra cost
Read More Check Eligibility
IndiGo SBI Card ELITE

IndiGo SBI Card ELITE

Joining Fee: ₹4999
✈ Travel 💺 Airport Lounge Access 
  • Get up to 8 domestic lounge visits per year (max 2 per quarter on ₹1 lakh quarterly spend)
  • Enjoy up to 6 international lounge visits per year (max 2 per quarter)
Read More Check Eligibility
IndiGo SBI Card

IndiGo SBI Card

Joining Fee: ₹1499
✈ Travel 💺 Airport Lounge Access 🤝 Co-branded 
  • Enjoy 4 domestic lounge visits per year (max 1 per quarter on ₹50,000 quarterly spend)
  • Earn milestone bonus BluChips on ₹2L, ₹4L and ₹6L spends
Read More Check Eligibility
SBI Card Miles

SBI Card Miles

Joining Fee: ₹1499
✈ Travel 🏆 Reward 💺 Airport Lounge Access 
  • Complimentary Priority Pass membership worth $99 for the first 2 years
  • Enjoy 4 complimentary domestic lounge visits every year (max. 2 per quarter)
Read More Check Eligibility
SBI Card Miles Prime

SBI Card Miles Prime

Joining Fee: ₹2999
✈ Travel 🏆 Reward 💺 Airport Lounge Access 
  • Enjoy 4 complimentary international lounge visits per year (max. 2 per quarter)
  • Get 8 complimentary domestic lounge visits per year (max. 2 per quarter)
Read More Check Eligibility
Club Vistara SBI Bank Prime Credit Card

Club Vistara SBI Bank Prime Credit Card

Joining Fee: ₹2999
✈ Travel 💺 Airport Lounge Access 
  • Enjoy 4 international lounge visits per year via Priority Pass (max 2 per quarter)
  • Get 8 complimentary domestic lounge visits per year (max 2 per quarter)
Read More Check Eligibility
Air India SBI Signature Credit Card

Air India SBI Signature Credit Card

Joining Fee: ₹4999
✈ Travel 💺 Airport Lounge Access 
  • Get complimentary Priority Pass membership with access to 600+ global lounges
  • Enjoy 8 domestic lounge visits per year (max 2 per quarter)
Read More Check Eligibility