Best Airport Lounge Access Credit Cards in 2025
- Annual fee of ₹2,999.
- Earn up to 15 reward points on retail spends.
- Get 12,000 bonus reward points as a welcome gift.
- Includes Priority Pass membership with 4 free visits annually.
- Enjoy 8 free domestic lounge accesses per year.
- Earn up to 58,000 reward points through milestone benefits.
- Etihad Guest membership lets you earn both Tier Miles and Guest Miles, with a cap of 20,000 Tier Miles per year.
- No Guest Miles are earned on financial charges, balance transfers, rent payments, fuel, or government transactions.
- You can get a fuel surcharge waiver of up to ₹250 per statement cycle.
- Earn Etihad Guest Miles plus Tier Miles (up to 40,000 Tier Miles annually)
- No miles earned on financial charges, balance transfers, rent payments, fuel, and government transactions
- Fuel surcharge waiver of up to ₹250 per statement cycle
- Earn 5 reward points per ₹100 spent on Rail Connect app and IRCTC website; 1 RP per ₹100 on other spends.
- Redeem points against train bookings via SmartBuy at 1 RP = ₹1.
- 8 complimentary IRCTC railway lounge visits per year (max 2 per quarter).
- 1% transaction charge waiver on IRCTC bookings (up to ₹1,000/month).
- Welcome gift voucher of ₹500 on activating the card within 30 days.
- Milestone benefit: ₹500 gift voucher on spending ₹30,000 in a quarter.
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (max ₹250/month).
- Annual fee waiver on spending ₹1.5 lakh in a year.
- Additional 5% cashback on IRCTC bookings via HDFC SmartBuy.
- 1 Free Night Award as a welcome benefit, valid for 1 year at participating Marriott hotels
- Complimentary Marriott Bonvoy Silver Elite status
- Earn 8 Marriott Bonvoy Points at Marriott hotels, 4 points on travel, dining & entertainment, 2 points on other spends
- Up to 3 bonus Free Night Awards on reaching spend milestones
- 12 complimentary domestic and international lounge visits per year
- 2 complimentary golf course access and golf lessons per quarter worldwide
- Insurance coverage including air accident, credit shield, and loss liability
- Co-branded travel card in partnership with MakeMyTrip.
- 1 complimentary airport or railway lounge access per quarter.
- Earn 2 My Cash on flight bookings via MMT.
- Earn 3 My Cash on hotel bookings via MMT.
- 1 My Cash on every ₹200 spent domestically.
- 1.25 My Cash on every ₹200 spent internationally.
- 1% fuel surcharge waiver at HPCL pumps.
- Best suited for frequent travelers booking via MakeMyTrip.
- Welcome Gift: Manchester United branded holdall and football.
- Earn up to 5 Reward Points on every Rs. 100 spent.
- 2 complimentary domestic lounge accesses per quarter.
- Top 18 spenders enjoy the exclusive “Manchester United Experience.”
- 25% off (up to Rs. 150) on movie tickets at BookMyShow & INOX.
- 15%+ discount on dining at partner restaurants.
- 1% fuel surcharge waiver at HPCL fuel stations.
- Annual fee waiver based on spending.
- Welcome benefit: 5,000 bonus Skywards Miles
- Complimentary Emirates Skywards Silver Tier membership
- Earn up to 2 Skywards Miles per Rs. 100 spent
- Complimentary domestic and international airport lounge access
- Buy 1 Get 1 Free movie tickets via BookMyShow
- Discounts on dining bills through the ICICI Culinary Treats Programme
- 1% fuel surcharge waiver
- Earn 2,500 Mojo points per quarter on spending Rs. 75,000 (first year only)
- 2 complimentary visits per quarter to DreamFolks lounges in India
- Joining fee waived on spending Rs. 30,000 within 90 days
- Annual fee waived on spending Rs. 1 lakh in a year
- 1% fuel surcharge waiver, up to Rs. 3,500 per year
- Railway surcharge waiver: 1.8% on IRCTC spends, 2.5% at Indian Railways counters
- Uncapped Mojo points on every spend: 2.5 points for online, 1 point for other spends
- From 1st June 2025, the following spends will not earn reward points:
- Utility bills above Rs. 50,000 per month
- Education spends above Rs. 70,000 per month
- Government transactions above Rs. 40,000 per month
- Insurance spends above Rs. 70,000 per month
- Wallet loads, rent, fuel, and online gaming
- Lifetime free Zen Signature cardholders must spend at least Rs. 60,000 per quarter to get 2 free domestic lounge visits.
- International transactions must be activated to access international lounges.
- Railway surcharge waiver is capped at Rs. 500 per year.
- From 1st June 2025, a 1% transaction fee will apply on:
- Wallet loads & online gaming above Rs. 10,000 per month
- Utility spends above Rs. 50,000 per month
- Fuel spends above Rs. 35,000 per month
Joining Fee
₹1499 + Tax
Renewal Fee
₹999 + Tax
- 2X Rewards: Earn 4 points per Rs. 150 on travel, dining, and shopping spends
- Milestone Benefits: Up to 30,000 bonus reward points on annual spends of Rs. 4 Lakh & 8 Lakh
- Lounge Access: Up to 8 complimentary domestic lounge visits per year
- Annual Fee Waiver: Waive annual fee on spending Rs. 1 Lakh in a year
- Surcharge Waivers: 1% fuel surcharge (up to Rs. 3,500/year) and railway surcharge waiver (up to Rs. 500/year)
Joining Fee
₹0 + Tax
Renewal Fee
₹2500 + Tax
Joining Fee
₹0 + Tax
Renewal Fee
₹1000 + Tax
- Up to 8X reward points on retail spends (4X base + 4X bonus on spends above Rs. 20,000/month)
- 1X reward point on insurance and government payments
- Bonus 4X rewards capped at 2,000 points per month
- 4 complimentary domestic airport lounge visits per year (1 per quarter)
- 1% fuel surcharge waiver up to Rs. 400 per month on fuel spends of Rs. 400–2,000
- Renewal fee reversal on spending Rs. 1.5 lakh in the previous year
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
- 5 reward points per Rs. 100 on international and retail spends
- 2 reward points per Rs. 100 on other categories
- 4 complimentary domestic lounge visits per quarter
- 2 complimentary international lounge visits per month via Priority Pass
- Overseas air accident cover up to Rs. 1 Crore
- Medical insurance coverage worth USD 25,000
- Lifetime free for Priority Banking customers
- Earn up to 1.5 Skywards Miles on every Rs. 100 spent
- Redeem Skywards Miles for flights and travel bookings on Emirates.com
- Complimentary domestic airport lounge access
- 25% off on movie tickets via BookMyShow
- Enjoy exclusive dining discounts and offers
- 1% fuel surcharge waiver on all fuel transactions
Welcome Benefits
Get 12,000 bonus reward points valued at ₹3,000 upon payment of the annual fee.
