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Credit Cards with Lounge Access: Best Cards, and How to Get Them

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  • April 9, 2025
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Whether you’re jetting off for a study abroad program, heading home for holidays, or just exploring new places, airports can feel like a chaotic mess, with crowded terminals, overpriced food, and nowhere comfy to sit. But what if I told you there’s a way to chill in style with free food, Wi-Fi, and cozy seats? That’s where credit cards with lounge access come in, a total game-changer for students who want to travel smarter without burning a hole in their wallets.

In this blog, we’ll break down what credit cards with lounge access are, why they’re perfect for you, and which ones you can actually get your hands on. Let’s explore how these cards can make your airport time less stressful and more luxurious without needing a fat bank account. Let’s go!

Table of contents

What Are Credit Cards with Lounge Access?

Credit cards with lounge access are special credit cards that let you walk into airport lounges for free or at a discount. Lounges are those fancy spots at airports where you get comfy sofas, free snacks, drinks, Wi-Fi, and sometimes even showers, basically, a VIP vibe away from the usual chaos.

Whether you’re stuck on a long layover or just want a quiet place to study before boarding, lounges make travel feel less like a chore. Plus, many of these Credit card for international students come with other cool benefits like reward points or travel discounts, which can totally fit into everyone’s budget.

Why You Need Credit Cards with Lounge Access

Picture this: you’re a student flying out of Delhi or Mumbai for a semester abroad, and your flight’s delayed by three hours. Normally, you’d be stuck munching overpriced samosas in the terminal, but with the best international credit cards in India offering lounge access, you’re chilling with free chaat, some food and a comfy seat instead. That’s the kind of access in a lounge we’re talking about!

Also Read: Financial Freedom: How to Get a Student Credit Card Today!

Top Credit Cards with Lounge Access

Many of the credit cards with lounge access are beginner-friendly, with low or no annual fees and easy eligibility. Whether you’re traveling for education, internships, or just a well-deserved break, these cards make every trip feel a little more special. Let’s check out some best credit cards with lounge access in 2025. 

Credit CardLounge AccessKey Features
HDFC Bank Infinia (Metal)Unlimited Priority Pass (worldwide) + unlimited domesticThis HDFC credit Card lounge access provides 5X rewards on SmartBuy, 2% forex markup, luxury travel perks
HDFC Diners Club BlackUnlimited Diners Club lounges (worldwide)10X rewards on dining, Club Marriott membership, premium lifestyle benefits
SBI Elite6 intl. (2/quarter) + 2 domestic/quarter via Priority PassThe SBI Elite Credit Card Lounge Access, provides 1.99% forex markup, milestone vouchers, mid-tier travel benefits
ICICI Bank EmeraldeUnlimited Priority Pass (worldwide) + unlimited domesticThis ICICI Bank Credit Cards with Lounge Access provides 6 points/INR 200, golf rounds, 1.5% forex markup, luxury perks
Axis Bank MagnusUnlimited domestic + 8 intl./year via Priority PassWith Axis Bank credit card lounge access list you will get 12 EDGE points/INR 200 on travel, high-spender rewards
HDFC Regalia Gold12 domestic (3/quarter) + 6 intl./year via Priority Pass4 points/INR 150, milestone vouchers, affordable premium option
IndusInd Bank Tiger8 domestic (2/quarter) + 2 intl./year via Priority Pass1.5 points/INR 100, virtual lounge access, no-fee travel card
Axis Bank AtlasSilver: 8 dom./4 intl.; Gold: 12/6; Platinum: 18/12 (tier-based spends)5 EDGE miles/INR 100 on travel, tiered rewards for frequent flyers
Tata Neu Infinity HDFC8 domestic (2/quarter) + 4 intl./year (1/quarter) via Priority Pass5% NeuCoins on Tata spends, affordable travel card
IDFC FIRST Wealth4 domestic + 4 intl./quarter via Priority PassWith this IDFC credit cards with lounge accessyou will get 10X points on INR 20K+ spends, 1.5% forex markup, generous lounge access
Amex Platinum Travel8 domestic (2/quarter) via Amex lounge programWith this American express card you will get 5K bonus points on INR 1.9L spend, INR 10K vouchers on INR 4L, Amex rewards
Citi PremierMiles8 domestic (2/quarter) via Mastercard lounge program10 miles/INR 100 on airlines, no-expiry miles, flexible redemption
StanChart Ultimate12 intl./year (Priority Pass) + unlimited domestic5% duty-free cashback, 2 points/INR 100 (1 point = INR 1), 2% forex markup
Yes Bank Signature8 domestic (2/quarter) + 4 intl./year (1/quarter) via Priority Pass4 points/INR 100 on travel/dining, fuel waiver, budget-friendly travel card
RBL World Safari8 domestic (2/quarter) + 2 intl./quarter via Priority PassWith this zero forex markup credit card you will get 10K welcome points, travel vouchers, cost-effective for intl.

Now that you have an idea of the top credit cards with lounge access in 2025, along with their key features, let’s categorize them based on annual fees and eligibility.

Premium Cards (High Fees, Unlimited/Extensive Lounge Access)

Perfect for frequent flyers and high-spending individuals, these cards offer unlimited or high-volume lounge access, luxurious travel benefits, and premium lifestyle perks. Most fees can be waived with high annual spends. Here is a list:

Credit CardAnnual FeeEligibility (Min. Income)
HDFC Bank Infinia (Metal)INR 12,500 + GST (waived on INR 10L spend)Invite-only, high net-worth
HDFC Diners Club BlackINR 10,000 + GST (waived on INR 5L spend)INR 21L (salaried), INR 25L ITR
ICICI Bank EmeraldeINR 12,000 + GST (waived on INR 10L spend)INR 25L+ ITR
Axis Bank MagnusINR 12,500 + GST (waived on INR 25L spend)INR 18L per annum

Mid-Tier Cards (Moderate Fees, Balanced Lounge Access)

These cards are ideal for frequent but cost-conscious travelers, offering a reasonable mix of domestic and international lounge access. With modest annual fees and achievable waiver options, they also provide travel vouchers, decent reward rates, and other perks. Here is a list:

Credit CardAnnual FeeEligibility (Min. Income)
SBI EliteINR 4,999 + GST (+INR 4,999 joining)INR 5L per annum
HDFC Regalia GoldINR 2,500 + GST (waived on INR 4L spend)INR 12L (salaried), INR 15L ITR
Axis Bank AtlasINR 5,000 + GSTINR 9L per annum
Tata Neu Infinity HDFCINR 1,499 + GST (waived on INR 3L spend)INR 6L per annum
Amex Platinum TravelINR 5,000 + GST (INR 3,500 first year)INR 6L (salaried), INR 9L ITR
Citi PremierMilesINR 3,000 + GSTINR 10L per annum
StanChart UltimateINR 5,000 + GST (waived on INR 7.5L spend)INR 12L per annum
Yes Bank SignatureINR 1,999 + GST (waived on INR 2.5L spend)INR 7.5L per annum
RBL World SafariINR 3,000 + GST (first year free)INR 9L per annum

Budget-Friendly Free Cards (No Annual Fee, Decent Lounge Access)

These cards offer great value for budget-conscious travelers, combining lounge access with solid rewards, all without heavy fees. Some even come with lifetime free benefits. Here is a list:

Credit CardAnnual FeeEligibility (Min. Income)
IndusInd Bank TigerLifetime freeINR 5L per annum
IDFC FIRST WealthLifetime freeINR 12L per annum

How to Get a Credit Card with Lounge Access?

Getting a credit card with lounge access can elevate your travel experience by providing a comfortable retreat at airports. In India, many banks offer credit cards with this perk, catering to frequent travelers. Here’s a step-by-step guide to help you secure one:

1. Assess Your Travel Needs

Before applying, determine how often you travel and whether you need domestic, international, or both types of lounge access. Premium cards often offer unlimited access to global lounges (e.g., via Priority Pass), while mid-tier or budget cards may limit visits (e.g., 2–12 per year). 

2. Check Eligibility Requirements

Each card has specific income and credit score criteria. Banks in India typically require:

  • Minimum Income: Ranges from INR 5 lakh per annum to INR 25 lakh+ ITR.
  • Credit Score: A score above 750 is ideal, as lounge access cards are often premium offerings.
  • Age: Usually 21–60 years for salaried individuals, with some flexibility for self-employed applicants.
  • Documentation: PAN card, Aadhaar, salary slips (last 3 months), or ITR (last 2 years) are commonly required.

3. Research Cards with Lounge Access

Several banks in India offer credit cards with lounge access. You should research and compare popular options across different categories, such as premium, mid-tier, and budget-friendly free cards, to find the one that best suits your needs based on annual fees and benefits.

4. Apply for the Card

Once you’ve chosen a card, follow these steps:

  • Online Application:
    1. Visit the bank’s official website or mobile app.
    2. Navigate to the “Credit Cards” section and select your desired card.
    3. Fill out the application form with personal details (name, address, income, etc.).
    4. Upload required documents (KYC, income proof).
    5. Submit and await approval (typically 7–15 days).
  • Offline Application:
    1. Visit a bank branch with your documents.
    2. Request the card application form from a representative.
    3. Submit the form and documents in person.
  • Via Agents: Some banks send representatives to collect details if you express interest online or via customer care.

5. Activate Lounge Access Benefits

After receiving your card:

  • Priority Pass: For cards offering international access, register for a Priority Pass on the bank’s website or app. A physical or digital card will be issued.
  • Domestic Access: Usually no separate registration is needed, just swipe your credit card at participating lounges with a same-day boarding pass.
  • Check Limits: Confirm your complimentary visit quota (e.g., 2/quarter for Yes Bank Signature) to avoid unexpected charges (typically USD 27 + GST per extra visit).

6. Use Your Card at Lounges

At the airport:

  • Present your credit card, boarding pass, and a valid ID (e.g., Aadhaar, passport) at the lounge reception.
  • For international lounges, show your Priority Pass if applicable.
  • Be aware of guest policies, some cards allow free guests, while others charge.

Also Read: Financial Freedom: Your Ultimate Guide to Student Credit Cards 

Tips to Maximize Lounge Access Benefits with Credit Card

To make the most of airport Lounge Access benefits with credit cards, here are some practical tips to help you enjoy lounge access like a pro.

  • Monitor Spending: Meet spend thresholds to unlock or retain lounge access where required.
  • Plan Ahead: Use any suitable app to locate lounges at your travel destinations.
  • Start Small: If unsure, begin with a budget-friendly card like IndusInd Tiger before upgrading to a premium one.

Getting a credit card with lounge access in India is straightforward if you match your travel habits to the right card. Whether you opt for a premium card or a free card for cost-effective access, the process involves assessing needs, checking eligibility, and applying through trusted channels.

For the latest offers and terms, always refer to the bank’s official website or contact their customer care before applying. Happy travels!

FAQs on Credit Cards with Lounge Access

What exactly are credit cards with lounge access?

Credit cards with lounge access are special cards that let you enter airport lounges either for free or at a discounted rate. These lounges offer a VIP escape from the usual airport chaos, think comfy seats, free snacks, drinks, Wi-Fi, and sometimes even showers. Perfect for students or travelers wanting a stress-free layover!

Why should students consider getting a credit card with lounge access?

Imagine you’re stuck at the airport with a delayed flight. Instead of overpriced food and crowded seats, you could be relaxing in a lounge with free chaat and a cozy spot to study or nap. These credit cards with lounge access make travel feel luxurious without breaking the bank, especially for students jetting off for study abroad or holidays.

Which credit card offers the best unlimited lounge access?

With unlimited lounge access, the HDFC Bank Infinia (Metal) and ICICI Bank Emeralde stand out. Both give you unlimited Priority Pass access worldwide plus unlimited domestic lounge visits. They’re premium cards, but if you’re a frequent flyer, they’re worth the splurge!

Are there budget-friendly credit cards with lounge access?

Yes! The IndusInd Bank Tiger and IDFC FIRST Wealth are lifetime free cards with no annual fees. They offer decent lounge access (e.g., 8 domestic and 4 international visits per year for IndusInd Tiger), making them great for students or budget travelers.

What’s the easiest way to get a credit card with lounge access?

Start by checking your eligibility, most cards need a minimum income (INR 5 lakh to INR 25 lakh+ annually) and a credit score above 750. Pick a card that fits your travel needs, then apply online via the bank’s website or app with your KYC and income proof. Approval usually takes 7–15 days.

Can I bring a friend into the lounge with my credit card?

It depends on the card! Some premium cards allow free guests, while others might charge. Check your card’s guest policy before you roll up with your crew.

How can I maximize my lounge access benefits?

To maximize lounge access benefits try to Plan ahead, use apps to find lounges at your airports, track your spending to meet any required thresholds, and start with a budget card if you’re new to this. Also, always carry your card, boarding pass, and ID to breeze into the lounge hassle-free!

What is the best credit card for airport lounge access?

Some of the best credit cards for airport lounge access are: 
– Axis Bank Magnus Credit card
– SBI Elite credit card
– HDFC Tata Neu Infinity Credit Card
– HDFC Bank Millennia Credit Card
– HDFC Diners Club Black Credit Card
– SBI Club Vistara Prime Credit Card
– American Express The Platinum Card®
– AU Bank Zenith Credit Card
– HDFC Infinia credit card
– IDFC FIRST Bank
– SBI Platinum Corporate Card
– Axis Vistara Signature Credit Card
– Flipkart Axis Card
– HSBC Platinum credit card
– ICICI Sapphiro Credit Card

Can I get airport lounge access for free?

Yes, you can score free airport lounge access with the right credit card! Many cards offer complimentary lounge visits as a perk, no extra cash required. For example, the IndusInd Bank Tiger gives you 8 domestic and 2 international visits per year with no annual fee, while premium cards like ICICI Bank Emeralde offer unlimited access (domestic and international) if you can justify the INR 12,000 + GST fee.

Which banks offer free airport lounge access?

Several banks in India hook you up with free lounge access through their credit cards. Here’s the rundown:
– HDFC Bank: Cards like Infinia (Metal) Diners Club Black and Regalia Gold credit cards.
– ICICI Bank: The Emeralde credit card.
– SBI: The SBI Elite credit card.
– Axis Bank: Magnus and Atlas credit card.
– IndusInd Bank: The Tiger credit card.
– IDFC FIRST Bank: The Wealth credit card.
– American Express: Platinum Travel credit card.
– Citibank: PremierMiles credit card.
– Standard Chartered: Ultimate credit card.
– Yes Bank: Signature credit card.
– RBL Bank: World Safari credit card.

Evaluate all study abroad options with Leverage Edu. Stay tuned with Leverage Live classes and realise your dream of studying in your dream country.

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With over 6 years of dedicated experience as a content writer in the Ed. Tech. industry, I bring a wealth of knowledge and expertise in the field. I have had the privilege of collaborating with various esteemed organisations and have consistently contributed towards learning. I constantly work for the enhancement of my knowledge and sharing my thoughts over topics of my expertise.

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