The credit card industry in India has seen tremendous change in the last few years. Earlier, when credit cards were only a means of shopping, they have now become a complete financial tool, which not only helps in managing expenses but also gives a lot of rewards and benefits. Understanding the needs of consumers, banks and card-issuing companies have added new features to these cards, such as cashback, reward points, fuel surcharge waivers, offers on movie tickets, EMI facility, and dining discounts, and now premium benefits like airport lounge access are also included in them.
What is the facility of airport lounge access?
Airport lounges are special places where passengers can relax before their flight. Usually, these lounges were available only to business or first-class passengers, but now select credit card holders also get entry to these lounges without any additional charge or at some nominal fee, provided the cards they hold are equipped with this feature.
Lounges usually offer the following facilities: free Wi-Fi, comfortable seating, free snacks and drinks, mobile charging stations, newspapers and magazines, etc. Some lounges also offer showers and business meeting space for travellers.
Also Read: Are premium credit cards worth the cost? Smart ways to maximize savings
What to keep in mind while choosing credit cards with airport lounge access?
Number of free visits: Most cards offer limited free visits every quarter or year. It is important to know what that limit is.
Domestic and international access: Many cards offer airport lounge access only in India, while some offer access to international lounges.
Additional charges: If you exceed the free visit limit, the card company may charge an additional fee. This fee can range from Rs 500 to Rs 2000.
Facility on add-on cards: If you have an add-on card, then definitely check whether this facility is available on it or not.
Annual Fee vs Benefits: Some premium cards can have annual fee ranging from Rs 1000 to Rs 5000 or more, but it may be worth the money if you travel frequently.
Some premium cards also come up with additional perks like low markup fees on international transactions, concierge service (for bookings, gifts, events, etc.), golf course access, dining delights programs, and travel insurance coverage.
Top 3 Credit Cards for Airport Lounge Access in India and Worldwide
1. HDFC Bank H.O.G Diners Club Credit Card
Benefits: Unlimited access to 1,000+ airport lounges in India and worldwide for both primary and add-on cardholders.
2. SBI Card Miles Elite
Benefits: Complimentary Priority Pass membership (worth $99) + 6 complimentary international lounge visits per year (max 2 per quarter) outside India.
3. Axis Bank Magnus Credit Card
Benefits: Unlimited domestic airport lounge access at select lounges in India.
Data is taken from the respective bank’s website as of 14 April 2025. Benefits may vary based on the bank’s terms and conditions and the customer’s profile. (Data is compiled by Bankbazaar.com)
Also read: HDFC Bank, SBI Cards and ICICI Bank are HSBC Global’s top credit card stock picks. Here’s why
Summing up…
If you fly frequently and want a comfortable trip, getting a credit card with airport lounge access can be a wise decision. While applying for a card, read all its benefits, terms, and charges carefully and choose the right card according to your travel habits.
FinancialExpress.com does not endorse any specific investment instruments. Readers are encouraged to make their own informed decisions, as any losses incurred will be their sole responsibility.