Best credit card for lounge access: check yours or find one that fits
Banks keep trimming free airport lounge visits or tying them to how much you spent last quarter, and most people find out at the lounge counter. Check what your card gives you today, or find a card that matches how often you fly, from every active credit card in Monzy's database.
What do you want to do?
Your card
Most cards give a fixed number of visits per calendar quarter, like 2 a quarter, or per year. Unused visits do not carry forward. A few premium cards offer unlimited visits.
Many cards now unlock lounge visits only if you spent a set amount, often ₹35,000 to ₹1 lakh, in the previous quarter. Miss it and the card will not get you in, even if it still shows "lounge access" in the brochure.
Complimentary visits are usually for the cardholder only. Guest entry, and visits beyond your allowance, are typically charged to your card at the lounge's rate.
Visa, Mastercard and RuPay each run lounge programmes, and the network on your card decides which lounges accept it. The same bank's card can work at one lounge and not at another next door.
How do I check if my credit card has lounge access?
Type your card's name into the checker above and pick it from the list. It shows how many domestic and international lounge visits your card gives a year, whether the terms mention a spend condition, and the lounge terms themselves. Confirm the current lounge list with your issuer before you travel.
Which is the best credit card for lounge access in India?
The best one is the card whose spend condition you already meet. A card with unlimited visits is worth little if it unlocks them only after a quarterly spend you never reach. Use the Find a card option above to filter by domestic or international lounges, visits a year, spend condition, annual fee and card network. To compare every card side by side, see credit cards with lounge access.
Are there lifetime free credit cards with lounge access?
Yes, several lifetime free cards include domestic lounge access. Many of them tie the visits to a spend condition, so filter for cards with no spend condition if you do not spend much on the card.
Why was I denied lounge access with my credit card?
The most common reason is a spend condition. Many cards unlock this quarter's lounge visits only if you spent a set amount in the previous quarter. Other reasons are using up your visits for the quarter, the lounge not being on your card network's list, or the benefit having been changed or withdrawn. Check your card's terms here, then confirm with your issuer.
Do guests get free lounge access with my credit card?
Usually not. Complimentary visits are typically for the cardholder only, and guest visits are charged to your card. A few premium cards include guest visits, so check your card's lounge terms in the checker.
How often is the lounge data updated?
The checker reads from Monzy's credit card database, which is refreshed regularly as banks change their terms. The date of the last update is shown under the button. Lounge benefits can change at short notice, so always confirm with your issuer before relying on a visit.
Every card below gives complimentary airport lounge access in our data (173 cards). Open a card to see its fees, rewards and full lounge terms, or pick it in the checker above.
SBI Card: Apollo SBI Card SELECT, Bank of Maharashtra SBI Card ELITE, Bank of Maharashtra SBI Card PRIME, BPCL SBI Card OCTANE, City Union Bank SBI Card PRIME, Doctor's SBI Card, Doctor's SBI Card (IMA), IndiGo SBI Card, IndiGo SBI Card ELITE, KrisFlyer SBI Card, KrisFlyer SBI Card Apex, Landmark Rewards SBI Card PRIME, Paytm SBI Card SELECT, PhonePe SBI Card SELECT BLACK, PSB SBI Card ELITE, Reliance SBI Card PRIME, SBI Aurum Credit Card, SBI Card ELITE, SBI Card ELITE Advantage, SBI Card MILES, SBI Card MILES PRIME, SBI Card PRIME, SBI Card PRIME Advantage, SBI Card PULSE, SBI Miles Elite Card, Shaurya Select SBI Card, Tata Card SELECT, Tata Neu Infinity SBI Card, Tata Neu Plus SBI Credit Card, Titan SBI Card
Axis Bank: ACE Credit Card, Axis Bank ATLAS Credit Card, Axis Bank Pride Signature Credit Card, Axis Bank Privilege Credit Card, Axis Bank Privilege Easy Credit Card, Axis Bank REWARDS Credit Card, Axis Bank Select Credit Card, Fibe Axis Bank Credit Card, HORIZON Credit Card, IndianOil Axis Bank Premium Credit Card, LIC Axis Bank Signature Credit Card, Magnus Credit Card, Miles and More Axis Bank Credit Card, Reserve Credit Card, Samsung Axis Bank Signature Credit Card, SpiceJet Axis Bank Voyage Black Credit Card, SpiceJet Axis Bank Voyage Credit Card
ICICI Bank: Adani One ICICI Bank Platinum Credit Card, Adani One ICICI Bank Signature Credit Card, Emeralde Private Metal Credit Card, Emirates Emeralde Credit Card, Emirates Sapphiro Credit Card, Expressions Credit Card, HPCL Super Saver Credit Card, ICICI Bank Coral Credit Card, ICICI Bank Parakram Credit Card, ICICI Emeralde Credit Card, ICICI Sapphiro Credit Card, MakeMyTrip ICICI Bank Credit Card, MakeMyTrip ICICI Bank Signature Credit Card, MakeMyTrip Platinum Credit Card, Parakram Select Credit Card, Rubyx Credit Card, Times Black ICICI Bank Credit Card
RBL Bank: Aspire Banking Credit Card, Blockbuster Credit Card, Insignia Preferred Banking Credit Card, Lumiere Credit Card, Nova Credit Card, Patanjali Swarn Credit Card, Platinum Edge Credit Card, Platinum LifeEasy Credit Card, Platinum Maxima Credit Card, Platinum Maxima Plus Credit Card, Signature Banking Credit Card, World Max Credit Card, World Plus Credit Card, World Prime Credit Card, World Safari Credit Card
AU Small Finance Bank: ABC Pro Credit Card, AU Ananta Credit Card, AU Bank LIT Credit Card, AU Bank Vetta Credit Card, AU Laksya Credit Card, AU NOMO Credit Card, AU SPONT Credit Card, AU Xcite Ultra Credit Card, ixigo AU Credit Card, Paytm AU Credit Card, Traverse Credit Card, Xcite Ace Credit Card, Zenith Credit Card, Zenith+ Credit Card
HDFC Bank: Diners Club Black Metal Edition Credit Card, Diners Club Privilege Credit Card, HDFC Millennia Credit Card, Infinia Credit Card Metal Edition, Marriott Credit Card, Paytm HDFC Bank Select Credit Card, PhonePe HDFC Bank Ultimo Credit Card, Regalia Gold, Shoppers Stop Black Credit Card, Tata Neu Infinity Credit Card, Tata Neu Plus Credit Card
IDFC FIRST Bank: Diamond Reserve Credit Card, FIRST Select, FIRST Wealth, IDFC FIRST Bank Ashva Metal Credit Card, IDFC FIRST Private Credit Card, IDFC FIRST WOW! Black Credit Card, LIC Classic Credit Card, LIC Select Credit Card, Mayura Metal Card, Wealth Credit Card
Kotak Mahindra Bank: Biz Credit Card, IndiGo Kotak XL Credit Card, Kotak Air+ Credit Card, Kotak Solitaire Credit Card, Kotak White Credit Card, NRI Royale Signature Credit Card, Solitaire Business Credit Card, White Reserve Credit Card, Zen Signature Credit Card
IndusInd Bank: Celesta Credit Card, Crest Credit Card, Indulge Credit Card, Indus Solitaire Credit Card, IndusInd Bank Tiger Credit Card, Pinnacle Credit Card, Pioneer Heritage Credit Card, Pioneer Legacy Credit Card
Federal Bank: Mastercard Celesta Credit Card, Mastercard Signet Credit Card, Rupay Signet Credit Card, Scapia Credit Card, Visa Celesta Credit Card, Visa Imperio Credit Card, Visa Signet Credit Card
Union Bank of India: NEXTERIA Credit Card, RuPay Platinum Credit Card, RuPay Select Credit Card, Union Bank Divaa Credit Card, Union JCB Health Credit Card, Union JCB Wellness Credit Card, Union Unicorn Rupay Credit Card
YES Bank: BYOC Credit Card, Elite+ Credit Card, MARQUEE Credit Card, Select Credit Card, Wellness Plus Credit Card, YES PRIVATE Credit Card, Zagg Credit Card
BOBCARD: BOBCARD ETERNA, BOBCARD PREMIER, BOBCARD TIARA, BOBCARD USFB Elite Credit Card, HPCL ENERGIE BOBCARD
HSBC: HSBC Premier Credit Card, HSBC RuPay Cashback Credit Card, HSBC TravelOne Credit Card, Live+ Credit Card, Taj Credit Card
Standard Chartered Bank: EaseMyTrip Credit Card, Priority Visa Infinite Credit Card, Rewards Credit Card, Ultimate Credit Card
Equitas Small Finance Bank: PowerMiles Credit Card, Selfe Credit Card
IDBI Bank: IDBI Euphoria World Credit Card, IDBI Royale Signature Credit Card
Canara Bank: Rupay Select Secured Credit Card
DBS Bank: DBS Spark Credit Card