Best 16 Lounge Access Credit Cards In India 2022 | Top 16 Lounge Access Credit Cards In India 2022

Traveling by air could be adventurous, but waiting for a flight at airport terminals can ruin all the fun. You can escape the hustle by visiting airport lounges where you can enjoy your personal space with complimentary food and refreshments.  

But airport lounges are pretty expensive and can take a huge chunk of your travel budget. So if you are a regular flier, then you should choose a credit card that can offer you free access to airport lounges. 

In this article, we have listed our 16 favorite lounge access credit cards for you. Go through them and hopefully you will find your choice.

• Table of Contents

  HDFC Bank Infinia Metal Credit Card

The hdfc bank infinia metal credit card is the most premium credit card available in India. Targeting the top-notch section of Indian credit card users, this card offers; unlimited free access to airport lounges, powerful rewards on every transaction,  exclusive deals on hotel booking, and lots more. Read the complete hdfc infinia metal credit card review to know more about this card.

What are the HDFC Infinia Metal Credit Card charges?

• HDFC Infinia Credit Card joining fee: Rs. 12,500 + GST
• HDFC Infinia Credit Card annual fee: Rs. 12,500 + GST

100xGain Rating:

8.5/10

What are the major benefits of the HDFC Infinia Credit Card Metal edition?

• This card offers unlimited free access to most of the domestic and international airport lounges.
• This hdfc bank infinia credit card metal edition offers up to a 25% discount on your dining bills.
• You will get unlimited free access to most of the premium golf courses around the globe.
• There are also some very exclusive deals on hotel booking on this hdfc bank infinia credit card metal edition.

Pros and Cons:

Pros	Cons
You will get unlimited free access to domestic and international airport lounges. This HDFC Metal Infinia Credit Card is very useful for golfers, as it offers unlimited free access to frontline golf courses. You will also get an exclusive discount on your dining bills.	It is an Invite-only credit card, so you can not get this card unless you get an invitation for it.

• Yes Private Prime Credit Card

When it comes to premium privileges, there are few credit cards that can replace the yes private prime credit card. Offering reward points on every transaction, unlimited free access to airport lounges, exclusive deals on hotel booking, this card brings so much value with it that it can easily offset its Rs. 10,000 annual fee. Make sure to read the complete yes private prime credit card review to know more about this card.

What are the Yes Bank Private Prime Credit Card charges?

• Yes bank private prime credit card joining fee: Rs. 20,000 + GST
• Yes bank private prime credit card annual fee: Rs. 10,000 + GST

100xGain Rating:

7/10

What are the major Yes Private Credit Card benefits?

• This yes bank credit card offers you unlimited free access to domestic and international lounges.
• Using this card you can earn up to 4 free movie tickets every month.
• You will also get 12 free golf access every year.
• This card also offers some exclusive deals on hotel booking.

Pros and Cons:

Pros	Cons
You will get unlimited free access to airport lounges. This card also offers some free movie tickets every month. You will also get some exclusive deals on hotel booking.	There are no dining benefits on this card.

• ICICI Bank Diamant Credit Card

The icici bank diamant credit card is probably the most expensive and premium credit card offered by ICICI Bank. While it charges a whopping Rs. 1.25 lakh joining fee and lets you enjoy; unlimited free access to airport lounges, exclusive deals on hotel, yachts, and private islands, free movie tickets, unlimited free golf rounds, and lots more. The benefits are discussed in detail in the complete icici bank diamant credit card review.

What are the ICICI Bank Diamant Credit Card charges?

• ICICI Bank Diamant Credit Card joining fee: Rs. 1.25 lakh  + GST
• ICICI Bank Diamant Credit Card annual fee: 10,000 + GST

100xGain Rating:

7/10

What are the major ICICI Bank Diamant Credit Card benefits?

• On this diamant credit card icici bank offers unlimited free access to domestic and international airport lounges.
• You can enjoy exclusive details on hotels, private islands, and yacht booking.
• On this diamant credit card icici bank offers up to 4 free movie tickets every month.
• You’ll get unlimited free access to some of the premium golf courses in India.

Pros and Cons:

Pros	Cons
This card offers unlimited golf and airport lounge access. You can also earn some free movie tickets every month. There are some very exclusive deals on travel booking.	The joining fee is very high.

• Citi Prestige Credit Card

If you want to add a touch of luxury to your regular travel experience, then you should take a look at the citi prestige credit card. While this card charges Rs. 20,000 As an annual fee, it lets you enjoy; Unlimited free access to our lounges, big discounts on dining, exclusive deals on hotel booking, and lots more. You can find more about the benefits from the complete citi prestige credit card review.

What are the Citi Prestige Credit Card charges?

• Citi Prestige Credit Card joining fee: This Will be discussed at the time of sourcing.
• Citi Prestige Credit Card annual fee: Rs. 20,000 + GST

100xGain Rating:

7.5/10

What are the major Citi Prestige Credit Card benefits?

• You will get unlimited free access to domestic and international airport lounges.
• You will get a complimentary subscription to the Taj InnerCircle Epicure Programme.
• This citibank prestige credit card offers a 20% discount on dining bills.
• You will also get 4 free golf rounds every year at some of the most premium golf courses in India. 

Pros and Cons:

Pros	Cons
Mr lets you enjoy unlimited free access to domestic and international airport lounges. You will also get a huge discount on dining bills. There are also some free golf rounds on this Citi Bank Prestige Credit Card.	Higher annual fee. The rate of earning reward points is not that good.

*For queries like how to track citi prestige credit card application or how to activate Citibank credit card for the first time, You can visit our faq page.

• Axis Bank Reserve Credit Card

The axis bank reserve credit card is one of the most premium credit cards offered by Axis Bank. While the card charges Rs. 30,000 as an annual fee, it lets you enjoy; unlimited free access to airport lounges, exclusive Club ITC membership, huge discounts on dining, attractive deals on hotel booking, etc. More details of the card can be found in the complete axis bank reserve credit card review.

What are the Axis Bank Reserve Credit Card fees?

• Axis Bank Reserve Credit Card joining fee: Rs. 30,000 + GST
• Axis Bank Reserve Credit Card annual fee: Rs. 30,000 + GST

100xGain Rating:

7/10

What are the major Axis Bank Reserve Credit Card benefits?

• This card gives you unlimited free access to domestic and international airport lounges.
• This axis bank reserve credit card offers a 50% discount on dining bills.
• You will also get up to 50 free access to most of the premium golf courses in India.
• You can bag some very attractive deals on hotel booking.

Pros and Cons:

Pros	Cons
This card offers a huge discount on dining bills. You will get unlimited free access to domestic and international airport lounges. You will also get to enjoy some free golf rounds.	The annual axis bank reserve credit card fee seems quite high.

• Intermiles HDFC Bank Signature Credit Card

If you are looking for premium travel benefits at an affordable rate, then you should take a look at the intermiles hdfc bank signature credit card. This card lets you enjoy free access to airport lounges, exclusive deals on flight booking, intermiles points on every transaction, and lots more. You can find more about the benefits from the complete hdfc intermiles signature credit card review.

What are the HDFC Bank Intermiles Signature Credit Card charges?

• Intermiles Signature HDFC Credit Card joining fee: Rs. 2500 + GST
• Intermiles Signature HDFC Credit Card annual fee: Rs. 2500 + GST

100xGain Rating:

8/10

What are the major HDFC Intermiles Signature Credit Card benefits?

• This intermiles hdfc signature credit card offers up to 16 free access to premium airport lounges.
• You will also get a 10% discount on Etihad Airways flight tickets.
• This card offers you up to a 35% discount on your dining bills.
• You can also earn 12 intermiles points for every Rs.150 transaction.

Pros and Cons:

Pros	Cons
This card offers some free access to airport lounges. You will get a huge discount on flights. There is also a huge discount on your dining bill.	You will not get any hotel booking benefits from this HDFC Intermiles Signature Credit Card.

• SBI Elite Credit Card

The SBI elite credit card’s welcome bonus is among the highest I have seen recently from SBI. Targeting the notch section of Indian credit card users, this card offers free access to airport lounges, accelerated rewards on every transaction, exclusive deals on hotel booking, and lots more. You can find more about this card from the complete sbi elite credit card review.

What are the SBI Elite Credit Card charges?

• SBI Elite Credit Card joining fee: Rs. 4999 + GST
• SBI Elite Credit Card annual fee: Rs. 4999 + GST

100xGain Rating:

8/10

What are the major SBI Elite Credit Card benefits?

• This sbi elite credit card features 2 quarterly visits at domestic and 6 complimentary visits at international airport lounges.
• You can earn up to a 10% saving on premium hotel booking.
• This sbi elite credit card offers up to 5X reward points for every Rs. 100 spent on dining.

Pros and Cons:

Pros	Cons
You can enjoy free access to domestic and international airport lounges. You can earn handsome savings from hotel booking. This elite SBI Credit Card also offers a very good reward earning rate.	This card does not have any entertainment benefits. You will not get any discount on dining and flight booking.

• HDFC Bank Regalia Credit Card

The hdfc bank regalia credit card is one of the most popular credit cards in the market, though from the last couple of years though it’s losing popularity due to its reducing offers. Yet it offers plenty of benefits such as priority airport lounge access, dining offers, etc. which are adding lots of new users every month. Make sure to read the complete hdfc bank regalia credit card review to know more about the benefits.

What are the HDFC Bank Regalia Credit Card charges?

• HDFC Bank Regalia Credit Card joining fee: Rs. 2500 + GST 
• HDFC Bank Regalia Credit Card annual fee: Rs. 2500 + GST

100xGain Rating:

8/10

What are the major HDFC Bank Regalia Credit Card benefits?

• This hdfc bank regalia credit card features up to 12 free visits to domestic airport lounges and 6 free accesses at international airport lounges.
• You can earn up to 4 reward points for every Rs.150 transaction.
• You will also get a one-year Zomato gold membership with this regalia hdfc bank credit card.
• There is also air accidental death coverage and emergency hospitalization coverage on this card.

Pros and Cons:

Pros	Cons
This HDFC Bank Regalia Credit Card offers you free access to domestic and international airport lounges. The rate of earning HDFC Bank Regalia Credit Card rewards is quite impressive. You will also get complimentary insurance coverage with this card.	I will not get any discount on dining bills. This card doesn’t have any travel booking benefits.

• RBL World Prime Supercard

If you are looking for premium travel benefits at an affordable rate, then you should take a look at the rbl world prime supercard. Offering free access to airport lounges, attractive deals on movie tickets, and an exclusive waiver on fuel surcharges, this card brings so much value with it that it can easily offset its Rs. 2999 annual fee. Read the complete rbl world prime supercard review to know more about the benefits.

What are the RBL World Prime Supercard charges?

• RBL Bank World Prime Supercard joining fee: Rs. 2999 + GST
• RBL World Prime Supercard annual fee: Rs. 2999 + GST

100xGain Rating:

7/10

What are the major RBL World Prime Supercard benefits?

• You will get 8 free accesses per year at most of the premium domestic airport lounges.
• This rbl world prime supercard features up to 2 reward points for every Rs.100 transaction.
• You can also earn some free movie tickets every month.
• This ad comes with a multilingual concierge service to take care of your needs.

Pros and Cons:

Pros	Cons
You will get free access to domestic airport lounges. You can also earn some free movie tickets.	The rate of earning RBL World Prime Supercard reward points is not that great.

• Federal Bank Visa Celesta Credit Card

The Federal Bank Visa Celesta Credit Card is unmatched when it comes to premium travel and lifestyle benefits at an affordable rate. If powerful rewards and excellent travel and entertainment perks seem beneficial to you then this Federal bank credit card is well worth the Rs. 3000 annual fee. More about the benefits are discussed in the complete federal bank credit card review.

What are the Federal Bank Credit Card charges?

• Federal Bank Visa Celesta Credit Card joining fee: Rs. 3000 + GST
• Federal Bank Visa Celesta Credit Card annual fee: Rs. 3000 + GST

100xGain Rating:

7/10

What are the major Federal Bank Credit Card benefits?

• This federal bank credit card offers you 4 free domestic and 2 free international airport lounge access.
• You can also earn one free movie ticket every month.
• This card also offers a 15% discount on dining bills.
• This card also has a very powerful reward scheme that can make your every transaction rewarding.

Pros and Cons:

Pros	Cons
You will get free access to domestic and international airport lounges. You can also earn free movie tickets every month. This card also offers a huge discount on dining bills.	This card does not have any travel booking benefits.

*If you want to know about the federal bank credit card activation process then feel free to take a look at our faq page.

• Kotak White Credit Card

The kotak white credit card is unmatched when it comes to powerful rewards and premium benefits. This card focuses upon the needs of the high net worth individuals. It comes with a very powerful and unique reward scheme that has the potential to make your every transaction rewarding. Read the complete kotak white credit card review to know more about the benefits.

What are the Kotak White Credit Card charges?

• Kotak Mahindra Bank White Credit Card joining fee: Rs. 3000 + GST
• Kotak Mahindra Bank White Credit Card annual fee: Rs. 3000 + GST

100xGain Rating:

7/10

What are the major Kotak White Credit Card benefits?

• This kotak bank white credit card comes with a complimentary priority pass membership which gives you free access to domestic and international airport lounges.
• You will get an Rs. 2.5 lakh coverage against fraudulent transactions.
• You will also get a handsome waiver on railway surcharges.

Pros and Cons:

Pros	Cons
The Kotak White Credit Card features a very unique scheme that can be very useful for high spenders. You will get a complimentary Kotak priority pass membership with this Kotak Mahindra White Credit Card.	This card does not offer anything in the entertainment and shopping categories. This card is not a good option for those who are looking for a premium credit card.

• Standard Chartered Priority Banking Visa Infinite Credit Card

The standard chartered priority banking visa infinite credit card is specially designed for the Standard Chartered priority banking customers.  It lets you enjoy free access to airport lounges, reward points on every transaction, complimentary insurance coverage protection, and lots more. More about the benefits can be found in the complete standard chartered visa infinite credit card review.

What are the Standard Chartered Priority Banking Visa Infinite Credit Card charges?

• Standard Chartered Priority Banking Visa Infinite Credit Card joining fee: None.
• Standard Chartered Priority Visa Infinite Credit Card annual fee: None.

100xGain Rating:

7/10

What are the major Standard Chartered Priority Visa Infinite Credit Card benefits?

• You can earn up to 5 reward points for every Rs.100 transaction.
• This standard chartered credit card offers 4 free access to most of the premium domestic airport lounges. This card also comes with a complimentary priority pass membership.
• There is also Rs. 1.2 Cr. coverage against air accidental deaths.

Pros and Cons:

Pros	Cons
Using this card you can get free access to domestic and international airport lounges. The rate of earning reward points is quite impressive.	This card doesn’t have any dining benefits. You will not get any travel booking benefits from this card.

• IDFC First Bank Select Credit Card

If you are looking for a low-cost premium credit card then you should take a look at the idfc first bank select credit card. It lets you enjoy free access to airport lounges, huge discounts on dining bills, reward points on every transaction, etc. And the best part is that you will get to enjoy all these benefits without any joining annual fees. Seems interesting? then make sure to read the computer idfc first bank select credit card review.

What are the IDFC Bank First Select Credit Card charges?

• IDFC Bank First Select Credit Card joining fee: None.
• IDFC Bank First Select Credit Card annual fee: None.

100xGain Rating:

8.5/10

What are the major benefits of the IDFC First Bank Select Credit Card?

• This card gives you up to 4 free quarterly access to most of the premium domestic airport lounges.
• You can grab a handsome 20% discount on your dining bills.
• This idfc first bank select credit card features some great deals on movie tickets.
• There is also a 15% discount at Health and wellness stores  

Pros and Cons:

Pros	Cons
Using this card you can get access to most of the domestic airport lounges. There is a handsome discount on dining expenses. Also, this IDFC First Bank Credit Card offers some exclusive deals on movie ticket booking.	You will not get any travel booking benefit from this IDFC First Bank First Select Credit Card.

*If you are curious about the idfc first bank credit card pin generation process then make sure to take a look at our faq page.

• Axis Bank Ace Credit Card

The axis bank ace credit card is unmatched when it comes to usefulness and affordability. Targeting the huge Indian customer base, it lets you enjoy free access to airport lounges, exclusive discounts on dining bills, cashback on every transaction, and lots more. More about the benefits are discussed in the complete axis bank ace credit card review.

What are the Axis Bank Ace Credit Card charges?

• Axis Bank Ace Credit Card joining fee: Rs. 499 + GST
• Axis Bank Ace Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

8/10

What are the major Axis Bank Ace Credit Card benefits?

• This axis bank ace credit card offers you up to 4 free yearly access to most of the premium domestic airport lounges.
• You will get a 20% discount on your dining bills.
• There is also an Rs. 500 monthly waiver on fuel surcharges.
• You can also earn a 5% discount on utility bill payments.

Pros and Cons:

Pros	Cons
This Axis Bank Ace Credit Card features a huge discount on dining bills. You can earn some handsome cashback on your everyday expenses. You can also enjoy free access to domestic airport lounges.	The lounge access benefits are only applicable at domestic airports. There are no travel booking benefits on this Axis Bank Ace Credit Card.

*If you are curious about the axis bank ace credit card activation process, then make sure to take a look at the 100xGain faq page.

• Axis Bank Miles and More Credit Card

Those who travel within India very often would find the Axis Bank miles and more credit card very helpful. It lets you enjoy; free access to airport lounges, exclusive deals on dining, reward points on every transaction, and lots more. This card comes in two variants, we have discussed them in detail in the complete axis bank miles and more credit card review.

What are the Axis Bank Miles and More Credit Card fees?

• Axis Bank Miles and More Credit Card joining fee: Rs. 3,500 + GST (for World card) & Rs. 10,000 + GST (for Select card).
• Axis Bank Miles and More Credit Card annual fee: Rs. 3,500 + GST (for World card) & Rs. 4,500 + GST (for select card).

100xGain Rating:

7.5/10

What are the major Axis Bank Miles and More Credit Card benefits?

• This axis bank miles and more credit card offers you up to 8 free access per quarter at most of the premium domestic airport lounges.
• You will get up to a 15% discount on your dining bills.
• You can earn up to 4 reward points for every Rs.200 transaction.
• You can also earn Up to Rs. 100 monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
You will get free access to domestic airport lounges. You can earn big discounts on your dining bills. The rate of earning axis bank miles and more credit card reward points is very good.	The lounge access feature is only applicable at domestic airport lounges. This miles and more axis bank credit card doesn’t have any travel booking benefits.

• Au Bank Zenith Credit Card

The au bank zenith credit card is the most premium credit card offered by Au Small Finance Bank. This card lets you enjoy free access to domestic and international airport lounges, reward points on every transaction, etc. You can find more about the benefits from the complete au zenith card review.

What are the Au Zenith Credit Card charges?

• Au Zenith Credit Card joining fee: Rs. 7999 + GST
• Au Zenith Credit Card annual fee: Rs. 7999 + GST

100xGain Rating:

7/10

What are the major Au Bank Credit Card benefits?

• This au bank zenith credit card features 2 free access to the leading priority pass and 4 free access to most of the premium domestic airport lounges.
• You can earn up to 20 reward points for every Rs.100 transaction.
• This au bank credit card offers accidental insurance coverage of Rs. 2 Crore.

Pros and Cons:

Pros	Cons
The rate of earning au bank credit card reward points is very impressive. You will get free access to domestic and international airport lounges.	This card does not offer any discount on dining and travel booking.

*If you want to know about the au bank credit card pin generation process then make sure to take a look at the 100xGain faq page.