Synopsis– Airport lounge access has become an essential perk for frequent travellers seeking comfort, efficiency, and exclusivity. This article explores premium Indian credit cards that offer both domestic and international lounge privileges, helping readers select the right card based on travel frequency, access benefits, and evolving terms of use.
Airport lounges are no longer a luxury; they’re essential for frequent flyers. As air travel grows, premium credit cards with lounge access are in high demand. This guide compares India’s top-tier cards offering both domestic and international lounge access, helping you choose based on travel habits and card benefits.
How Lounge Access Works
Lounge access can be enjoyed in different ways, depending on your card and membership type. The most common access methods include swiping your card directly at the lounge reception (especially for domestic travel), or using global programs such as Priority Pass and DreamFolks. When it comes to domestic lounges, access is usually linked to the card’s payment network like Visa, Mastercard, American Express, or Diners Club. However, for international lounges, travelers typically need a dedicated lounge program such as Priority Pass or DreamFolks. It’s also important to note the limitations—credit cards vary in the number of complimentary visits allowed per year, may require certain spending thresholds to unlock benefits, and can have restrictions on add-on cardholders or guest entry.
Top Credit Cards Offering Both Domestic & International Lounge Access
1. HDFC Diners Club Black
- Unlimited lounge access via the Diners Club network—no Priority Pass required.
- Applicable for both domestic and international lounges.
- Primary and add-on cardholders enjoy full access.
- Ideal for frequent flyers and families who value simplicity and seamless access without additional cards.
2. HDFC Infinia (Metal)
- Offers unlimited international lounge access via complimentary Priority Pass.
- Domestic access is enabled through direct card swipe.
- Add-on cardholders are eligible for the same lounge privileges.
- Covers a wider lounge network globally, making it ideal for international business travellers.
3. Axis Bank Magnus
- Provides unlimited domestic lounge access.
- 12 complimentary international lounge visits/year via Priority Pass.
- Includes 4 guest visits annually for international lounges.
- Lounge benefits are tied to a monthly spend threshold (₹1 lakh), suiting high spenders.
4. Axis Bank Reserve
- Unlimited domestic and international lounge access for both primary and add-on users.
- Comes with 12 complimentary guest visits/year, perfect for family or group travel.
- Includes elite travel concierge, golf privileges, and other luxury lifestyle benefits.
- One of the most premium, all-inclusive cards in India.
5. ICICI Emeralde
- Unlimited domestic access via card network (Visa/AmEx/Mastercard).
- International access through DreamFolks membership.
- Guest access is limited or chargeable, and add-ons may need separate enrollment.
- Suitable for individuals who fly frequently and want flexibility across card networks.
6. ICICI Emerald Private (Metal)
- Invite-only card for ultra-high-net-worth individuals.
- Offers unlimited global lounge access, including guests, via DreamFolks and Priority Pass.
- Primary and add-on holders enjoy full benefits.
- A top-tier card for those seeking maximum luxury and worldwide access.
Also read: 7 Best Co-Branded RuPay Credit Cards in India 2025 – See Which One Fits You
Comparison Table
| Credit Card Name | Domestic Lounge Access | International Lounge Access | Guest Access |
|---|---|---|---|
| HDFC Bank Diners Club Black Credit Card | Yes (Unlimited) | Yes (Unlimited via Diners Network) | No |
| HDFC Bank Infinia Credit Card (Metal Edition) | Yes | Yes (Unlimited via Priority Pass) | Yes (Limited) |
| Axis Bank Magnus Credit Card | Yes(on ₹50k spend in previous 3 months) | Yes (12/year via Priority Pass) | Yes (4/year International) |
| Axis Bank Reserve Credit Card | Yes (Unlimited) | Yes (Unlimited via Priority Pass) | Yes (12/year) |
| ICICI Bank Emeralde Credit Card | Yes (Unlimited) | Yes (Unlimited via DreamFolks/PP) | No |
| ICICI Bank Emeralde Private Metal Credit Card | Yes (Unlimited) | Yes (Unlimited via DreamFolks/PP) | Yes |
Choosing the Right Card
- Solo vs. Family Travellers: Solo flyers benefit from cards like HDFC Diners Club Black with unlimited solo access, while families should consider Axis Reserve or HDFC Infinia for generous add-on and guest privileges.
- Domestic vs. International Flyers: Frequent international travellers should prioritize cards with global lounge tie-ups via Priority Pass or DreamFolks. For domestic routes, card swipe access suffices.
- Spend Thresholds: Cards like Axis Magnus require high monthly spends (₹1 lakh) to unlock lounge access—check your typical spending pattern.
- Guest Access Needs: If you often travel with others, choose cards offering complimentary guest visits, such as Axis Reserve (12/year).
- Card Network Compatibility: Ensure your card’s network (Visa, MasterCard, AmEx, or Diners) is accepted in the regions you fly to most.
Conclusion
Lounge access makes travel even more convenient and comfortable. It doesn’t matter if you’re travelling solo, with your family, or on a business trip; having the right credit card can help maximize value on all trips. And remember, in order to maximize the value of your credit card, review the card once a year, since lounge access partnerships and perks can change.
Written by N G Sai Rohith
