How to Apply for Lounge Access Benefits Credit Cards

lounge access benefits credit cards

Layovers and airport wait periods can be both exhilarating and tiresome. Conversely, if your credit card grants access to lounges, you can enhance the pleasurable and lavish experience. In this article, we shall examine the leading credit cards that offer lounge access benefits in 2024, analysing each card according to its unique attributes, advantages, and ability to accommodate different categories of travellers.

Unveiling the Luxury of Airport Lounge Access

Among the many amenities offered by airport lounges is a tranquil space where patrons can unwind and prepare for their journeys, in contrast to the hectic terminals surrounding them. Some of the facilities include the following:

1. Comfortable Seating: Reclining areas, back supports, and quiet spaces to work or unwind.
2. Relax Subduedly: Flee the Hasty Moments at the Airport and Indulge in a Quiet Environment.
3. Lightning-fast Internet: Use the complimentary Wi-Fi to stay connected for all your online requirements, from business meetings to social media.
4. Culinary Delights: Savour complimentary beverages, nibbles, and delectable meals.
5. Work Areas: Provisions for charging stations, conference rooms, and workstations that enhance efficiency.
6. Entertainment Options: Television, periodicals, newspapers, and occasionally wellness therapies for relaxation.

Detailed Analysis of Top Credit Cards with Lounge Access

Let’s take an in-depth look at the best credit cards offering lounge access benefits in 2024:

SBI Elite Credit Card

lounge access benefits credit cards

Annual Fee: INR 4,999

Lounge Benefits: You receive a $99 Priority Pass membership that grants you access to more than 1,300 airport facilities worldwide. In addition, members qualify annually for six complimentary voyages to international lounges and two complimentary excursions to domestic lounges.

Additional Benefits: The SBI Elite Credit Card provides access to lounges and an introductory incentive of 5,000 INR and 5x rewards points on all transactions (at grocery stores, restaurants, department stores, and internationally). Members are also eligible for a complimentary membership to Club Vistara Silver, complimentary cinema tickets, travel insurance up to INR 50 lakh, and two complimentary golf games per quarter.

HDFC Diners Club Privilege Credit Card

lounge access benefits credit cards

Annual Fee: Variable

Lounge Benefits: This card grants access to the Diners Club network, which comprises more than one thousand airport terminals worldwide. Subscribers can also receive annual complimentary membership to twelve distinct lounges, including domestic and international establishments.

Additional Benefits: The HDFC Diners Club Privilege Credit Card provides an extensive array of supplementary advantages, including lounge access, complimentary Amazon and Times Prime memberships, airport transfers, meal and lifestyle item discounts, travel insurance coverage, golf game privileges, and exclusive lifestyle privileges.

Axis Bank Select Credit Card

lounge access benefits credit cards

Annual Fee: INR 3,000

 Lounge Benefits: Cardholders qualify for Priority Pass, an all-inclusive membership with privileges to more than 1,300 airport facilities worldwide. Guests are eligible for two complimentary visits to domestic lounges and six trips to international lounges annually.

Additional Benefits: Lounge access, 20% off BigBasket, a welcome certificate, quicker rewards on retail purchases, complimentary golf games, vacation vouchers, concierge services, and a 40% off Swiggy promotion are just a few of the many benefits that come with the Axis Bank Select Credit Card.

HDFC Infinia Credit Card

lounge access benefits credit cards

Annual Fee: INR 12,500

Lounge Benefits: With a Priority Pass, you have unrestricted access to any domestic or international lounge, enabling you to travel in luxury without concern. Additionally, cards and their guests frequent the lounge free of charge.

Additional Benefits: The HDFC Infinia Credit Card offers the following additional benefits: club access, complimentary nights and buffets at ITC hotels, airport transfers, travel insurance, specialised customer service, the lowest markup fee for foreign currency transactions, and five times the reward points for every INR 150 spent.

SBI Prime Credit Card

lounge access benefits credit cards

Annual Fee: INR 2,999

Lounge Benefits: Priority Pass holders receive four complimentary flights to international lounges and eight complimentary visits to domestic lounges annually, enhancing their travel experience.

Additional Benefits: Access to lounges, a welcome voucher, expedited rewards point earning (2x and 10x on dining, groceries, and movies), milestone benefits including Pizza Hut, yatra or pantaloon vouchers, travel insurance, concierge services, and no fuel surcharges are among the numerous and varied benefits of the SBI Prime Credit Card.

HDFC Regalia Gold Credit Card

lounge access benefits credit cards

Annual Fee: INR 2,500

Lounge Benefits: Membership confers an annual benefit of six complimentary excursions to international lounges and twelve complimentary travels to domestic lounges. You are free to decompress and relax at any time.

Additional Benefits: Lounge access is among the numerous advantages of the HDFC Regalia Gold Credit Card. Further advantages include travel insurance, restaurant savings, lifestyle benefits, expedited reward point accumulation in multiple categories, a welcome gift, and complimentary Club Vistara Silver Tier and MMT Black Elite memberships.

Kotak White Reserve Credit Card

Annual Fee: INR 12,500

Lounge Benefits: Having unrestricted lounge access for both primary and supplementary cards enables you to experience airports around the globe in a luxurious and trouble-free manner. One of the numerous perks of the Kotak White Reserve Credit Card is access to lounges.

Additional Benefits: Furthermore, in addition to the benefits above, members will receive a welcome incentive, expedited rewards point accumulation, reductions at culinary establishments and golf courses, complimentary airport transportation, travel insurance, and superior customer service.

HDFC Bank Millennia Credit Card

Annual Fee: INR 1,000

Lounge Benefits: Cardholders receive eight complimentary visits to domestic lounges annually as an added amenity to facilitate a more comfortable and tranquil journey to and from the airport. Access to lounges is among the numerous perks of the HDFC Bank Millennium Credit Card.

Additional Benefits: Additionally, members receive complimentary access to airport lounges, exemptions from petroleum prices, reductions at shops and restaurants, cashback on popular platforms, and travel insurance.

HDFC Bank Tata Neu Infinity Credit Card

 Annual Fee: INR 1,499

Lounge Benefits: The lounge allows cardholders to unwind and savour themselves at the airport by providing eight complimentary permits to domestic lounges annually.

Additional Benefits: Besides numerous other benefits, guests of the HDFC Bank Tata Neu Infinity Credit Card have access to an airport lounge and receive exclusive discounts on travel and dining, lifestyle incentives, foreign currency conversion at a minimal fee, and cashback on Tata brand purchases.

Factors to Consider When Choosing Your Best Credit Cards with Lounge Access Benefits

To determine which credit card offers the finest lounge access, consider the following:

Travel Patterns: Based on your travel patterns, determine your preferred airlines, the frequency of your flights, and the locations of the airports.

Annual Expenses in Comparison to Advantages: Verify value by comparing the yearly payment to the advertised features and awards.

Annual Fees vs. Benefits: In addition to lounge access, inquire about insurance, incentives, a concierge service, and special treatment as supplementary benefits.

Additional Benefits: Discover the Ease and Adaptability of Redeeming Your Rewards Points or Miles for Vacations and Additional Benefits.

Redemption Options: A credit card that provides complimentary access to airport lounges is an exceptional way to elevate the luxury and convenience of your journeys. To ensure a pleasurable and tranquil flight, understand each card comprehensively. Select the one that corresponds most effectively with your mode of transportation.

How to Apply for Credit Cards with Lounge Access

  • To initiate the credit card application process, please navigate to the issuing bank’s website, which issues the card. Once you have determined its suitability, you can submit your application for the lounge-accessible credit card online.
  • To submit a credit card application, visit any issuing bank branch. The application procedure consists of submitting the necessary documents, following the staff’s instructions, and completing the application form.
  • Additionally, certain banks offer credit card applications through their mobile banking applications. After logging in, follow the on-screen instructions to register for a credit card.</li>

<h2&gt;&lt;strong>Benefits of Credit Cards with Lounge Access

Luxurious Airport Lounge Access: Obtain access to exclusive facilities at the world’s leading airports for well-deserved relaxation during layovers.

Complimentary Services: The airport lounges offer complimentary beverages, refreshments, high-speed internet, work areas, and possibly spa services.

Benefits from Bonuses: Benefit from an abundance of bonuses, including expedited rewards point accumulation, discounted rates on accommodation, transportation, and more, concierge assistance, and travel insurance.

Required Documents for Credit Card Application

Identity Proof: Aadhar card, PAN card, passport, voter ID, or driving license.

Address Proof: Utility bills, rental agreement, passport, or Aadhar card with current address.

Income Proof: Salary slips, bank statements, income tax returns (ITR), or Form 16 for salaried individuals. Business owners may need business financial documents.

Eligibility Criteria for Credit Cards with Lounge Access

Age: Typically, applicants should be between 21 to 65 years old.

Income: Minimum income requirements vary for each credit card. Higher-tier cards with more benefits usually require higher income levels.

Credit Score: A good credit score (usually 750 or above) is preferred for approval. However, some cards may have relaxed criteria for existing customers.


Can I use my credit card to visit lounges abroad?
Most lounge-accessible credit cards provide members access to foreign lounges via programmes like Priority Pass and Diners Club.

Is there an additional fee for using these credit cards at airport lounge benefits?
Airport lounge entry is usually free with these credit cards. However, some cards may limit the number of free visits annually.

Can I use my credit cards to welcome visitors to the airport lounge?
While some credit cards waive the price for airport lounge entry, others may impose a fee even for cardholders’ visitors. For information, see the card’s terms and conditions.