Best Airport Lounge Access Credit Cards in India 2026
Cards with real domestic and international lounge visits — spend-to-unlock conditions called out. We compared 200 credit cards (including 40 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
HDFC Diners Club Black Metal Edition Credit Card
999 domestic + 999 international visits/yr
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
3.33x on travel
AURUM SBI Card
Annual Fee
₹9,999
Headline Rate
1 pts/₹100
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
ICICI Emeralde Credit Card
Annual Fee
₹12,000
Headline Rate
4x on travel
Times Black ICICI Bank Credit Card
Annual Fee
₹20,000
Headline Rate
2x on utilities
Emirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee
₹10,000
Headline Rate
2x on travel
Axis Bank HORIZON Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
Axis Bank Reserve Credit Card
Annual Fee
₹50,000
Headline Rate
1 pts/₹100
Miles and More Axis Bank Credit Card
Annual Fee
₹3,500
Headline Rate
2x on travel
Axis Burgundy Private Credit Card
Annual Fee
₹50,000
Headline Rate
7.5 pts/₹100
Axis Bank Olympus Credit Card
Annual Fee
₹20,000
Headline Rate
1 pts/₹100
Axis Bank Primus Credit Card
Annual Fee
₹3,00,000
Headline Rate
1 pts/₹100
American Express Platinum Card
Annual Fee
₹66,000
Headline Rate
7.5x on travel
IDFC FIRST Private Credit Card
Annual Fee
₹25,000
Headline Rate
3.33x on travel
HSBC Premier Credit Card
Annual Fee
₹20,000
Headline Rate
3x on travel
HSBC Taj Credit Card
Annual Fee
₹1,10,000
Headline Rate
1.5x on travel
RBL Bank LUMIÈRE Credit Card
Annual Fee
₹50,000
Headline Rate
4x on travel
Kotak Solitaire Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Beyond Credit Card
Annual Fee
₹25,000
Headline Rate
2% cashback
DBS Vantage Credit Card
Annual Fee
₹20,000
Headline Rate
4x on travel
IndusInd Indulge Credit Card
Annual Fee
₹10,000
Headline Rate
1.5x on other
IndusInd Pioneer Private Credit Card
Annual Fee
₹25,000
Headline Rate
3x on other
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
Union NEXTERIA Credit Card
Annual Fee
₹12,499
Headline Rate
4 pts/₹100
Bandhan Bank Lumina Credit Card
Annual Fee
₹9,999
Headline Rate
8 pts/₹100
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
BOBCARD Eterna
Annual Fee
₹2,499
Headline Rate
15x on online
BOBCARD Tiara
Annual Fee
₹2,499
Headline Rate
15x on dining
Indian Navy Varunah Premium BOBCARD
Annual Fee
₹2,499
Headline Rate
15x on travel
Axis Bank Magnus Credit Card
Annual Fee
₹12,500
Headline Rate
30x on travel
Miles & More Axis Bank World Select Credit Card
Annual Fee
₹4,500
Headline Rate
3 pts/₹100
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
IDFC FIRST Mayura Credit Card
Annual Fee
₹5,999
Headline Rate
0.833x on travel
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,000
Headline Rate
2.67x on travel
IDFC FIRST Ashva Credit Card
Annual Fee
₹2,999
Headline Rate
0.833x on travel
RBL Bank NOVA Credit Card
Annual Fee
₹12,500
Headline Rate
12x on travel
YES PRIVATE
Annual Fee
₹10,000
Headline Rate
0 pts/₹100
BOBCARD Etihad Guest Premium
Annual Fee
₹5,000
Headline Rate
2x on other
Bandhan Bank Flare Credit Card
Annual Fee
₹2,499
Headline Rate
5 pts/₹100
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
MARQUEE Credit Card
Annual Fee
₹4,999
Headline Rate
0 pts/₹100
ixigo AU Credit Card
Annual Fee
Free
Headline Rate
1x on travel
KrisFlyer SBI Card Apex
Annual Fee
₹9,999
Headline Rate
4x on travel
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
IDFC FIRST Diamond Reserve Credit Card
Annual Fee
₹3,000
Headline Rate
6.67x on other
Kotak Infinite Credit Card
Annual Fee
Free
Headline Rate
0.8 pts/₹100
IndusInd Pioneer Heritage Credit Card
Annual Fee
₹25,000
Headline Rate
2.5x on travel
IndusInd Avios Visa Infinite Credit Card
Annual Fee
₹10,000
Headline Rate
3x on travel
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
SBI Card Miles Elite
Annual Fee
₹4,999
Headline Rate
3x on travel
IndiGo SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
3x on travel
RBL Bank Insignia Preferred Banking Credit Card
Annual Fee
₹7,000
Headline Rate
10x on travel
RBL Bank iGlobe Credit Card
Annual Fee
₹3,000
Headline Rate
10x on travel
Canara MasterCard World Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Bank of Maharashtra SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
UCO Bank SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,499
Headline Rate
1.5% on groceries
HDFC Diners Club Privilege Credit Card
Annual Fee
₹1,000
Headline Rate
10x on dining
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
SBI Card MILES PRIME
Annual Fee
₹2,999
Headline Rate
2x on travel
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
Reliance SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on online
Titan SBI Card
Annual Fee
₹2,999
Headline Rate
7.5x on other
Landmark Rewards SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
Axis Bank Atlas Credit Card
Annual Fee
₹5,000
Headline Rate
5x on travel
World Safari Plus Credit Card
Annual Fee
₹6,000
Headline Rate
2x on travel
TVS Credit RBL Bank Gold Credit Card
Annual Fee
₹1,500
Headline Rate
2 pts/₹100
BOBCARD Etihad Guest
Annual Fee
₹2,500
Headline Rate
1x on other
ICAI Exclusive BOBCARD
Annual Fee
Free
Headline Rate
5x on online
Kotak White Credit Card
Annual Fee
₹3,000
Headline Rate
1 pts/₹100
Federal Scapia Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on travel
DBS Altitude Credit Card
Annual Fee
₹4,999
Headline Rate
5x on travel
IndusInd Pioneer Legacy Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Celesta Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
IndusInd Crest Credit Card
Annual Fee
₹10,000
Headline Rate
2.5x on travel
Canara Visa Signature Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
Bank of Maharashtra SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
CUB SalarySe Level Up Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
IDBI Bank Winnings Credit Card
Annual Fee
₹899
Headline Rate
2 pts/₹100
IDBI Bank Euphoria World Credit Card
Annual Fee
₹1,499
Headline Rate
6x on travel
Elite+ Credit Card
Annual Fee
₹999
Headline Rate
6x on online
Kotak Zen Signature Credit Card
Annual Fee
₹1,500
Headline Rate
6.67x on online
Emirates Skywards ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on other
HSBC TravelOne Credit Card
Annual Fee
₹4,999
Headline Rate
4x on travel
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
RBL Bank World Safari Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
RBL Bank Signature Banking Credit Card
Annual Fee
₹2,500
Headline Rate
1% on travel
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
PNB SALARY RuPay Select Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
PNB-Zaggle Co-Branded Twin Credit Card
Annual Fee
₹499
Headline Rate
3.33 pts/₹100
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
Union DIVAA ICON Credit Card
Annual Fee
₹1,499
Headline Rate
2 pts/₹100
Union RuPay Select Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Union Sparsh Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Union JCB Wellness Credit Card
Annual Fee
₹999
Headline Rate
4x on dining
Union JCB Health Credit Card
Annual Fee
₹499
Headline Rate
2 pts/₹100
BOI RuPay Select Credit Card
Annual Fee
₹800
Headline Rate
2 pts/₹100
IOB RuPay Select Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
J&K Bank Eminent Credit Card
Annual Fee
₹1,500
Headline Rate
3x on travel
Unity Bank BharatPe Credit Card
Annual Fee
Free
Headline Rate
2% cashback
MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee
Free
Headline Rate
0.625x on travel
RESERV Credit Card
Annual Fee
₹2,499
Headline Rate
12x on online
DCB PayLess Select Credit Card
Annual Fee
₹1,000
Headline Rate
1% cashback
Paytm HDFC Bank Select Credit Card
Annual Fee
₹1,000
Headline Rate
1.25% cashback
Air India SBI Signature Card
Annual Fee
₹4,999
Headline Rate
10x on travel
Doctor's SBI Card
Annual Fee
₹1,499
Headline Rate
5x on travel
KrisFlyer SBI Card
Annual Fee
₹2,999
Headline Rate
2.5x on travel
Doctor's SBI Card (in association with IMA)
Annual Fee
₹1,499
Headline Rate
5x on travel
ICICI Rubyx Credit Card
Annual Fee
₹2,000
Headline Rate
1x on utilities
Adani One ICICI Bank Platinum Credit Card
Annual Fee
₹750
Headline Rate
1x on travel
LIC Axis Bank Signature Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
American Express Platinum Travel Credit Card
Annual Fee
₹5,000
Headline Rate
2 pts/₹100
AU Laksya Credit Card
Annual Fee
₹1,000
Headline Rate
5x on groceries
AU CA Metal Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU CS Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU Vetta Credit Card
Annual Fee
₹2,999
Headline Rate
4x on other
AU Spont Credit Card
Annual Fee
₹299
Headline Rate
1% on other
AU NOMO Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
AU Xcite Ultra Credit Card
Annual Fee
₹749
Headline Rate
1 pts/₹100
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
IDFC FIRST LIC Select Credit Card
Annual Fee
Free
Headline Rate
8x on insurance
RBL Bank World Safari Lite Credit Card
Annual Fee
₹1,000
Headline Rate
1x on travel
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
RBL Bank Platinum Maxima Plus Credit Card
Annual Fee
₹2,500
Headline Rate
10x on dining
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2.5x on travel
BOBCARD Corporate
Annual Fee
₹1,000
Headline Rate
1x on other
Indian Army YODDHA BOBCARD
Annual Fee
Free
Headline Rate
2x on other
Indian Coast Guard Rakshamah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
IndiGo Kotak Premium Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
Kotak NRI Royale Signature Credit Card
Annual Fee
₹1,000
Headline Rate
0.5 pts/₹100
IndusInd Pinnacle Credit Card
Annual Fee
Free
Headline Rate
2.5x on online
Canara Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOBCARD Ujjivan SFB Elite Credit Card
Annual Fee
Free
Headline Rate
2.5x on dining
South Indian Bank SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
10x on dining
Adani One ICICI Bank Signature Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Kotak Air+ Credit Card
Annual Fee
₹3,000
Headline Rate
2x on other
Kotak Air+ Prime Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
Canara RuPay Corporate Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Equitas PowerMiles Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Dhanlaxmi Bank Dhan Samriddhi Credit Card
Annual Fee
₹800
Headline Rate
5% on groceries
Kotak Solitaire Business Credit Card
Annual Fee
Free
Headline Rate
7x on travel
PNB BLISS Credit Card
Annual Fee
₹510
Headline Rate
1 pts/₹100
PNB SALARY RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
IOB RuPay Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
Tata Neu Plus HDFC Bank Credit Card
Annual Fee
₹499
Headline Rate
2x on other
SBI Card PULSE
Annual Fee
₹1,499
Headline Rate
10x on dining
SBI Card MILES
Annual Fee
₹1,499
Headline Rate
1x on travel
BPCL SBI Card OCTANE
Annual Fee
₹1,499
Headline Rate
1x on fuel
IRCTC SBI Platinum Card
Annual Fee
₹500
Headline Rate
4x on travel
Air India SBI Platinum Card
Annual Fee
₹1,499
Headline Rate
5x on travel
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on other
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
5x on dining
IndiGo SBI Card
Annual Fee
₹1,499
Headline Rate
2x on travel
PhonePe SBI Card SELECT BLACK
Annual Fee
₹1,499
Headline Rate
5x on online
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
Emirates Skywards ICICI Bank Rubyx Credit Card
Annual Fee
₹1,000
Headline Rate
1 pts/₹100
ICICI Bank Parakram Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
0% on utilities
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
Axis Bank My Zone Credit Card
Annual Fee
₹500
Headline Rate
1x on dining
SpiceJet Axis Bank Voyage Credit Card
Annual Fee
₹750
Headline Rate
1 pts/₹100
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IDFC FIRST Power+ Credit Card
Annual Fee
₹499
Headline Rate
5x on fuel
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
RBL Bank Apex Credit Card
Annual Fee
₹1,000
Headline Rate
2% on travel
RBL Bank Patanjali Swarn Credit Card
Annual Fee
₹1,499
Headline Rate
10x on groceries
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
TVS Credit RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2x on online
HPCL Energie BOBCARD
Annual Fee
₹499
Headline Rate
1.33x on fuel
Kotak Air Credit Card
Annual Fee
₹999
Headline Rate
3x on travel
Federal Bank Visa Celesta Credit Card
Annual Fee
Free
Headline Rate
1x on other
Ultimate Credit Card
Annual Fee
₹5,000
Headline Rate
2x on utilities
Bandhan Bank Sparks Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
DBS Spark Credit Card
Annual Fee
₹999
Headline Rate
1x on other
Canara Rupay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Jupiter Edge Federal Bank VISA Credit Card
Annual Fee
₹999
Headline Rate
2% on dining
J&K Bank Platinum Privilege Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
KVB Honour Credit Card
Annual Fee
₹999
Headline Rate
5.33x on travel
DCB PayLess Platinum Credit Card
Annual Fee
₹350
Headline Rate
0.5% cashback
DCB novio Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Utkarsh Rhodium Credit Card
Annual Fee
₹4,999
Headline Rate
1.25% cashback
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