Top 7 Airport Lounge Access Credit Cards in India: Fly in Comfort

Even experienced travellers may find airports confusing, but the lounges provide a peaceful retreat. A growing number of credit card issuers in India offer their customers unique access to far-off, exotic locations as an extra incentive in response to the increasing demand for exotic vacations. Read on to find out which of the 10 best credit cards provide airport lounge access in India and how they might improve your vacation.

Your Guide to the Best Airport Lounge Access Credit Cards in India

HDFC Diners Club Black Credit Card

Key Highlights

The following are some of the most salient features of the HDFC Bank Diners Club Black Credit Card:

Offer free rounds of golf on various Indian and international courses.
You will receive a free one-year subscription to Amazon Prime, Forbes, Club Mariott, Times Prime, MMT Black, and Swiggy One.
Earn up to Rs. 80,000 in free coupons for services like Ola Cabs, BookMyShow, TATACliQ, and Cult. FitLive, and more.
For every 150 rupees spent, you will earn 5x reward points.

HDFC Diners Club Black Credit Card Benefits & Features

5 reward points for every Rs.150 spent.
10X reward points on all partner brands.
2X Reward Points on weekend dining spends.
Lifestyle Benefits: Complimentary golf games across world courses.
Wellness Benefits: Discounts at partner salons, spas, wellness retreats, and gyms.
Welcome Benefits: Complimentary annual memberships from Club Marriott, Forbes, Amazon Prime, MMT BLACK, Swiggy One, and Times Prime.
Fuel Benefits: 1% waiver on fuel surcharge on transactions over Rs.400.
Annual Benefits: Complimentary annual memberships upon spending Rs.8 lakh within 12 months.

Fee & Charges

Joining fee: Rs.10,000
Renewal fee: Rs.10,000
Minimum repayment: 5% or a maximum of Rs.200
Cash withdrawal fee: 2.5% of the amount withdrawn.
The reward redemption fee is Rs.99.
Lifetime free add-on cards
Foreign currency mark-up fee: 1.99%
Late payment charges: Rs.100 – Rs.100, Rs.501 – Rs.5,000 – Rs.500, Rs.5,001 – Rs.10,000 – Rs.600, Rs.10,001 and 25,000 – Rs.800, Rs.25,001 and 50,000 – Rs.1,100, Over 50,000 – Rs.1,300
Over-limit charges: 2.5% of the limit amount
Cash processing fee: Rs.100 per transaction
Payment returns charges: 2% of the payment amount
Card re-issuance charges: Rs.100 per instance

HDFC Millennia Credit Card

Key Highlights

Among many more outstanding features of the HDFC Bank Millennia credit card are the following:

Cardholders may be eligible for a 5.00% cashback from online retailers like Amazon, Sony LIV, Swiggy, Tata CLiQ, BookMyShow, and Cult.fit, Flipkart, Myntra, Uber, and Zomato.
Cardholders may be eligible for up to 1.00% cashback on additional costs, including EMIs and wallet transactions.
Use your HDFC Bank Millennia credit card for a 20% discount while dining at partner restaurants.
Cardholders who spend Rs.1 lakh or more in a calendar quarter are eligible for a Rs.1000 gift card.

HDFC Bank Millennia Credit Card Benefits & Features

• Offers cash points of 1000 for membership fee payment.
• Offers 1.00% fuel surcharge waiver on minimum and maximum transactions.
• Offers a renewal membership waiver for next year for those who spent Rs.1 lakh or more in the previous year.
• Provides a smart EMI option for considerable purchase amounts.
• Facilitates contactless payment at retail outlets.
• Integrates lounge access into the Quarterly Spends Milestone benefit.
• Ensures zero liability for fraudulent transactions.
• Offers up to 50 days of interest-free time from the purchase date.
• Offers a nominal interest rate on transactions.
• Valid cash points for two years from the accumulation date.

Fee & Charges

First-year membership Fee: Rs. 1,000 + relevant taxes.
Accompanying or Renewing Membership Fee: Rs. 1,000 with relevant taxes
5% Cash Advance Fee
The annual charge on spending Rs. 1 lakh the year before may be eliminated.
The fuel fee is waived for transactions between Rs. 400 and Rs. 5000, but it is limited to Rs. 250.

SBI Card ELITE Credit Card

Key Highlights

Get a Rs. 5,000 e-gift vouchers.
Get 6,000 rupees worth of complimentary cinema tickets annually.
Compile up to 50,000 additional reward points, or Rs. 12,500 annually.
You receive $99 worth of Priority Pass Program access.

SBI Card ELITE Credit Card Card Benefits & Features

Provides 1000 cash points to cover the membership fee.
Waive the 1.00% fuel fee for transactions with a minimum and maximum amount.
It grants a remission for the following year to renewal members who spent Rs. 1 lakh or more the previous year.
It provides an intelligent EMI option for large purchase amounts.
Makes contactless payment at stores possible.
Include lounge access to take advantage of the quarterly spending milestone.
guarantees no responsibility for unauthorised transactions.
Gives up to 50 days from the date of purchase interest-free.

Fee & Charges

Joining Fee: Nil.
Annual Fee: Rs.4,999.
Renewal Fee: Rs.4,999 (from the 2nd year).
Add-On Card Fee: Nil.
Cash Advance Fee: 2.5% of the withdrawn amount, or Rs.500 (Domestic ATMs) and Rs.500 (for international ATMs).
Finance Charges: 3.50% per month or 42% per annum.
Payment Dishonor Fee: 2% of the payment amount.
Statement Request Fee: Rs.100 per statement over months.
Cash Payment Fee: Rs.250.
Late Payment Fees: Rs.0 to Rs.500, Rs.500 to Rs.1,000, Rs.10,000 to Rs.25,000, Rs.950 to Rs.1,100 to Rs.1,300.
Cheque Payment Fee: Rs.100.
Over Limit Fee: 2.5% of the over-limit amount.
Rewards Redeemal Fee: Rs.99.

SBI PRIME Credit Card

Key Highlights

Among the premium SBI offers, the SBI PRIME Credit Card is tailored especially for frequent travellers and online shoppers.
Receive an e-gift card worth Rs. 3,000 as a welcome gift.
The PRIME Reward Point scheme is profitable.
Win a Rs.1,000 Pizza Hut gift card when you spend more than Rs.50,000 in a quarter.
Collect free Club Vistara and Trident Privilege memberships.

SBI PRIME Credit Card Benefits & Features

An e-gift voucher worth Rs. 3,000 is redeemable at various stores.
Earn 20 points for every Rs. 100 spent on birthday; 10 for groceries, dining, department store, or movie; and 2 for other retail purchases.
Win a Pizza Hut voucher worth Rs. 1,000 on purchases worth more than Rs. 50,000 in a quarter.
Receive gift vouchers from Pantaloons or Yatra worth Rs. 7,000 on purchases worth Rs. 5 lakh or more in a year.
Receive a complimentary Trident Privilege Red Tier Membership.
Earn 1,000 welcome points on registration.
Enjoy a 10% discount on bookings made through the hotel website.

Fee & Charges

• Annual fee: Rs.2,999
• Renewal fee: Rs.2,999
• Add-On card fee: None
• Cash advance fee: 2.5% of the withdrawn amount, or Rs.500 (for domestic ATMs) and Rs.500 (for international ATMs)
• Finance charges: 3.50% monthly or 42% annually
• Payment dishonour fee: 2% of the payment amount
• Statement request fee: Rs.100 per statement over 2 months old
• Cash payment fee: Rs.250
• Late payment fee: Rs.0 to Rs.500
• Cheque payment fee: Rs.100
• Over-limit fee: 2.5% of the over-limit amount
• The reward redemption fee is Rs.99.
• Foreign currency transaction fee: 3.50%

Axis Bank Vistara Signature Credit Card

Key Highlights

Exclusive benefits for frequent travellers.
On activation, Vistara earns 3,000 points.
Milestone benefits can be redeemed for flight ticket purchases.
Dining offers.
An annual interest rate of 41.75%.
Joining and annual fees of Rs.3,000.

Axis Bank Vistara Signature Credit Card Benefits & Features

Exclusive benefits for frequent travellers.
On activation, Vistara earns 3,000 points.
Milestone benefits can be redeemed for flight ticket purchases.
Dining offers.
An annual interest rate of 41.75%.
Joining and annual fees of Rs.3,000.

Fee & Charges

Joining fee: Rs.3,000
Annual fee: Rs.3,000.
Purchase charges: 2.95% per month.
Cash withdrawal charges: 2.5% of the withdrawn amount.
Cash transaction fees: Rs.100.
Re-issuing or replacement of card: Nil.
Penalty for late repayment: Nil for > Rs.100.
Foreign currency payments: 3.50% of the transacted amount.
Surcharge on railway tickets and fuel-related payments: 1% of the paid amount.
Dishonour fee or cheque bounce: Rs.300.
No alerts on registered mobile numbers or balance enquiries.

HSBC Cashback Credit Card

Key Highlights

There is no joining fee.
Swiggy offers 20% off orders over Rs. 400. Conditions apply.
Amazon is offering 5% off orders over Rs. 1,000. There are terms.
Dining discounts: Over 1,000 eateries offer up to 15% discounts in significant cities.
The benefits include insurance advantages, emergency card replacement service, zero lost card responsibility, and more.

HSBC Cashback Credit Card Benefits & Features

Every billing cycle, you can get 10% expedited cashback on dining, food delivery, and grocery purchases for up to Rs.1,000.
Get four free trips to domestic lounges a year, one each quarter.
To qualify for Rs. 1000 Amazon vouchers, you must make at least Rs. 10,000purchases within the first 30 days. Terms and conditions apply.
All online purchases get a 1.5% cashback.
999 yearly charge is refundedif spending more than Rs.2 lakh is done annually.

Fee & Charges

• Annual fee: Rs.999 (waived if annual spending exceeds Rs.2 lakh).
• Joining fee: Rs.999.
• Free credit period: Up to 45 days.
• Finance charges: 3.49% monthly (41.88% per annum).
• Minimum payment due: 5% of the total fee, minimum Rs.100.
• Cheque dishonour charges: Rs.500.
• Cash advance limit: Up to 20% of the credit limit.
• Transaction fee: Rs.100 at international ATMs.
• Over limit fee: Rs.500 monthly.
• Late payment fee: 100% of the minimum payment due.

Standard Chartered EaseMyTrip Credit Card

Key Highlights

• Add-on card for family members.
• Contactless payments for secure online transactions.
• Digital payment solutions like Bharat QR, Samsung Pay, and Bharat Bill Payment Solution.
• KuchBhi option for converting spending above Rs.2,000 into EMIs.
• 360-degree rewards redeemable against the bank’s online catalogue.
• Loan against a credit card up to Rs.5 lakh for 1-5 years of tenure.

Standard Chartered EaseMyTrip Credit Card Benefits & Features

• A flat discount of 20% on domestic and international hotel bookings.
• A flat discount of 10% on domestic and international flight bookings.
• A discount of Rs.125 on bus bookings.
• Earn 10x reward points for every Rs.100 spent on ticket bookings.
• Earn 2x reward points for every Rs.100 spent on retail and similar categories.
• Annual fee waiver for annual spending of Rs.50,000 or more.
• Complimentary domestic and international lounge access every quarter.

Fee & Charges

Annual Fee: Rs.350 + GST
Renewal Fee: Rs.350 + GST

Conclusion

Regular fliers may unwind in style at an airport lounge. These sections offer free drinks, cosy seats, and a break from the airport’s typical mayhem. Travellers seeking extra comfort and convenience will find the top 10 credit cards with airport lounge access in India. Just a few of the ways these credit cards satisfy the many needs of modern travellers include exclusive eating and shopping privileges, free lounge access, and other perks. All it takes to start a leisurely vacation is a credit card that allows you to use exclusive airport lounges. Every trip offers an opportunity to appreciate better things without dealing with crowded airports and long waits. Escape the chaos of airports with our guide to the best airport lounge access credit cards in India.