✅ Handpicked by FindMyCard · Updated August 2026

Top 7 Credit Cards for Airport Lounge Access

Turn every layover into lounge time. We ranked the 7 best credit cards in India for free domestic and international airport lounge access.

1 🏆 Top Pick

HDFC Infinia Credit Card Metal Edition

4.9/5

HDFC Bank

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Joining Fee ₹12,500 + Taxes

Annual Fee ₹12,500 + Taxes

Best Suited For High-Net-Worth Individuals & Frequent Luxury Travelers

Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings

Welcome Benefits

12,500 Reward Points upon fee payment and card activation

Card Details +

Key Advantages

✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
✓ Complimentary Club Marriott membership and golf games globally
✓ Low foreign currency markup fee of 2% + Taxes

Limitations

✕ Strict invite-only eligibility criteria and high income threshold
✕ ₹12,500 annual fee charged upfront (offset by 12,500 points on payment)
✕ SmartBuy rewards capped at 15,000 points/month; brand vouchers sub-capped at 3,000 points/month (from Jul 2026)

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Axis Bank ATLAS Credit Card

4.8/5

Axis Bank

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Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Frequent Travelers & Airline/Hotel Miles Transfers

Rewards Type Reward Points

Rewards Rate

5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends

Welcome Benefits

5,000 EDGE Miles upon completing 1st transaction within 30 days

Card Details +

Key Advantages

✓ 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
✓ 5 EDGE Miles per ₹100 spent on flight & hotel bookings
✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
✓ Complimentary domestic & international airport lounge visits
✓ Flexible redemption directly on airline/hotel loyalty programs

Limitations

✕ ₹5,000 annual fee non-waivable via spend milestone (offset by tier miles)
✕ 5X travel miles apply only up to ₹2,00,000 monthly spend; drops to 2X beyond that
✕ Reward redemption requires transferring to partner loyalty accounts

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HDFC Diners Club Black

4.5/5

HDFC Bank

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Joining Fee ₹10,000 + Taxes

Annual Fee ₹10,000 + Taxes

Best Suited For Premium Luxury, Travel & High Reward Redemption

Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150 on retail; up to 10X via HDFC SmartBuy; 2X on weekend dining

Welcome Benefits

Complimentary Club Marriott, Amazon Prime & Swiggy One membership on joining

Card Details +

Key Advantages

✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
✓ Up to 10X reward points via HDFC SmartBuy platform
✓ 6 complimentary golf games every quarter globally (24/year)
✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Limitations

✕ ₹10,000 annual fee, a high cost of ownership
✕ Requires very high income (₹2.5 Lakh/month for salaried)
✕ Best reward rates are only available through the HDFC SmartBuy portal
✕ Diners Club acceptance lower than Visa/Mastercard internationally

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Axis Bank Magnus Credit Card

4.6/5

Axis Bank

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Joining Fee ₹12,500 + Taxes

Annual Fee ₹12,500 + Taxes

Best Suited For Luxury Travelers & High Spenders

Rewards Type Reward Points

Rewards Rate

35 EDGE Miles per ₹200 on travel bookings; 12 EDGE Miles per ₹200 on all other spends

Welcome Benefits

25,000 EDGE Miles on first transaction within 30 days

Card Details +

Key Advantages

✓ Unlimited complimentary domestic & international airport lounge access
✓ 25,000 EDGE Miles welcome bonus
✓ 35 EDGE Miles per ₹200 on travel bookings
✓ 1 EDGE Mile converts to 2 airline miles on transfer
✓ 8 complimentary golf rounds per year globally

Limitations

✕ ₹12,500 annual fee
✕ Requires ₹25 lakh in annual spend to waive the fee, difficult for most cardholders
✕ Very high income eligibility (₹3 Lakh/month)
✕ Best value only for those spending ₹5 Lakh+ per month
✕ Quarterly milestone bonus of 25,000 EDGE Miles has been discontinued
✕ Buy 1 Get 1 movie ticket offer (BookMyShow) and Airport Meet & Greet services removed
✕ Government, utilities, telecom, insurance, fuel, and gold/jewellery transactions completely excluded from earning EDGE reward points

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IndusInd Bank Tiger Credit Card

3.0/5

IndusInd Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Spend-Based Milestone Rewards, Low Forex International Spends, and Air Mileage Redemptions

Rewards Type Reward Points

Rewards Rate

Tier-based annual spending reward structure: 1 reward point per ₹100 spent on annual spends up to ₹1 Lakh; 2 reward points per ₹100 spent on annual spends between ₹1 Lakh and ₹2.5 Lakh; 4 reward points per ₹100 spent on annual spends between ₹2.5 Lakh and ₹5 Lakh; 6 reward points per ₹100 spent on annual spends above ₹5 Lakh

Welcome Benefits

N/A

Card Details +

Key Advantages

✓ Lifetime free, with no ongoing annual fee
✓ 1.5% forex markup
✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
✓ Domestic and international lounge access, plus seasonal golf access
✓ Points convert to airline miles at up to a 1:1 ratio

Limitations

✕ Requires ₹5 lakh in annual spend to reach the top 6X reward point multiplier
✕ Core daily household categories such as regular monthly utility bill payments and insurance premium outlays are entirely excluded from generating points
✕ Low cash conversion reward redemption value if points are settled straight back as a standard statement balance credit

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Scapia Credit Card

4.7/5

Federal Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

✓ 100% Lifetime Free travel credit card with zero joining and annual fees
✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
✓ RuPay credit card variant available with native UPI payment support

Limitations

✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold

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ICICI Bank Emeralde Credit Card

4.8/5

ICICI Bank

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Joining Fee ₹12,000 + Taxes

Annual Fee ₹12,000 + Taxes

Best Suited For Unlimited Airport Lounge & Golf Privileges

Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹100 spent on all categories

Welcome Benefits

Complimentary golf and lounge access from day one; welcome offer varies by current promotion

Card Details +

Key Advantages

✓ Unlimited complimentary domestic and international airport lounge access
✓ Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
✓ 4 Reward Points per ₹100 spent across all categories
✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

✕ ₹12,000 fee needs ₹15 Lakh annual spend to waive
✕ Golf rounds capped at 4/month regardless of higher spends
✕ No dedicated airline mile transfer program, unlike travel-focused cards

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Top 7 Credit Cards for Airport Lounge Access at a Glance

Top 7 Credit Cards for Airport Lounge Access Comparison Table
Card	Fee	Rating	Best For
1. HDFC Infinia Credit Card Metal Edition	₹12,500 + Taxes	★ 4.9	High-Net-Worth Individuals &...	View →
2. Axis Bank ATLAS Credit Card	₹5,000 + Taxes	★ 4.8	Frequent Travelers &...	View →
3. HDFC Diners Club Black	₹10,000 + Taxes	★ 4.5	Premium Luxury, Travel & High...	View →
4. Axis Bank Magnus Credit Card	₹12,500 + Taxes	★ 4.6	Luxury Travelers & High Spenders	View →
5. IndusInd Bank Tiger Credit Card	Free	★ 3.0	Spend-Based Milestone Rewards,...	View →
6. Scapia Credit Card	Free	★ 4.7	Frequent Travelers, Zero Forex...	View →
7. ICICI Bank Emeralde Credit Card	₹12,000 + Taxes	★ 4.8	Unlimited Airport Lounge & Golf...	View →

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