Top 10 Credit Cards for Airport Lounge Access In India

Airport lounges can prove to be a haven amid chaotic terminals, offering Wi-Fi, meals, and relaxation for a frequent traveller. Access to these havens, however, often requires memberships that come at a cost. But people with a specific credit card can get access to these lounges at no additional cost. As airlines and banks enhance travel perks, here’s a guide to India’s top credit cards for lounge access in 2025.

Benefit of Lounge-Access Credit Cards 

Airports usually restrict lounge entry to premium travellers or charge steep fees. Credit cards can give complimentary access. In addition to lounge benefits, credit cards usually offer dining discounts, reward points on travel spending, and priority services, making them suitable for frequent travellers.

1. HDFC Visa Signature Credit Card

This card has no joining fee, the annual fee of Rs 1,000 is waived if the cardholder spends Rs 75,000 annually. Cardholders can get access to unlimited lounge visits at domestic and international airports.

2. HDFC Diners Club Black Credit Card

Targeted at high-spenders, this card charges a Rs 10,000 annual fee (plus taxes), which is waived on spends of Rs 5 lakh. It also comes with Priority Pass membership, giving access to over 1,300 global lounges suitable for international jet-setters.

3. HDFC Millennia Credit Card

This card can be suitable for budget-conscious travellers, the Millennia card has a modest annual fee of Rs 1,000 plus taxes, waived off after a spend of Rs 1 lakh. A cardholder gets four free lounge visits quarterly, balancing cost and convenience.

4. HDFC Tata Neu Infinity Credit Card

This card is priced at Rs 1,499 annually, with taxes extra, this card rewards Tata loyalists with access to 1,000+ global lounges. The fee is waived on a spend of Rs 3 lakh, and the user also earns NeuCoins on purchases, redeemable across Tata platforms.

5. SBI Elite Credit Card

It has an annual fee of Rs 4,999, applicable in the second year. The SBI Elite card can get access to unlimited domestic and international lounge access, appealing to travellers prioritising unrestricted entry.

6. SBI Prime Credit Card

SBI Prime Credit Card comes with an annual fee of Rs 2,999. This card provides eight domestic and four international lounge visits every year. Its mid-tier pricing suits moderate travellers seeking a mix of benefits.

7. SBI Club Vistara Prime Credit Card

This card is designed especially for Vistara enthusiasts. This card charges Rs 2,999 annually and offers eight domestic lounge entries. It also includes flight rewards, such as complimentary tickets, enhancing its value for regular flyers.

8. Axis Bank Magnus Credit Card

Axis Bank Magnus Credit Card comes at a cost of Rs 12,500 annually, with taxes extra. This premium card is usually suitable for high-net-worth individuals. The fee is waived on a spend of Rs 25 lakh. The benefits include unlimited domestic lounge access and accelerated reward points.

9. Axis Vistara Signature Credit Card

This card is available at a cost of Rs 3,000 annually, this card combines lounge access with Vistara-specific perks, including Business Class upgrades. It’s ideal for travellers loyal to the airline.

10. AU Bank Zenith Credit Card

This card is available at a premium rate of Rs 7,999 annually (plus taxes), waived on spends of Rs 5 lakh. It offers 12+ international lounge visits, catering to globetrotters seeking premium access.