Synopsis: Searching for the best lounge-access credit card in India? This detailed ranking compares fees, benefits, and travel perks to help you choose a card that maximises comfort and rewards every time you fly. Discover the real winners for frequent and smart travellers.
Imagine walking past crowded airport queues and relaxing inside premium lounges all without paying a rupee extra. The right credit card makes this possible. Here’s a clear, ranked breakdown of India’s best lounge-access cards so you never travel the same way again.
7. Yes Bank Marquee Credit Card
- Joining fees: Rs 9,999
- Annual fees: Rs 4,999 (Waived off on annual spends of Rs. 10 lakhs)
Lounge benefits: up to 24 domestic lounge visits a year for primary cardholders and unlimited international lounge access and 8 complimentary domestic or international lounge visits in a year for guests.
Other benefits: 12 complimentary golf lessons in a year in India and 4 complimentary green fee waivers at select golf courses in India.
6. HDFC Regalia Gold Credit Card
- Joining fees: Rs 2,500
- Annual fees: Rs 2,500 (Waived off on annual spends of Rs. 4 Lakh)
Lounge benefits: 12 domestic lounge visits per year and 6 international lounge visits via Priority Pass per year
Other benefits: gift voucher rewards with MMT Black and Swiggy one membership on spending Rs 1 lakh on the first 90 days of the card issued. Voucher worth Rs 1,500 from Marriott and Myntra.
5. SBI Miles Elite Credit Card
- Joining fees: Rs 4,999
- Annual fees: Rs 4,999 (Waived off on annual spends of Rs. 15 Lakhs in the membership year)
Lounge benefits: 8 complimentary domestic lounge visits per year (with additional domestic lounge vouchers earned for every ₹1 lakh spent, as per milestone benefits) and 6 complimentary international lounge visits annually through Priority Pass.
Other benefits: 6 Travel Credits per Rs. 200 on travel spends and 2 travel credits on ever Rs 200 spent on other spends. Also, welcome gifts as e-gift vouchers worth Rs 5,000.
Also read: 4 Best Lifetime-Free RuPay Credit Cards for Frequent UPI Users in 2026
4. Axis Atlas Bank Credit Card
- Joining fees: Rs 5,000
- Annual fees: Rs 5,000
Lounge benefits: 8 domestic lounge visits and 4 international visits per year for Silver tier, 12 domestic and 6 international visits for Gold tier, and 18 domestic and 12 international visits for Platinum tier cardholders.
Other benefits: Paytm offers a 15% discount on domestic flights with a minimum booking of Rs 5,000 and international flights up to Rs 25,000 minimum. Rewarded with 2,500 EDGE Miles as welcome bonus. 18 complimentary domestic lounge accesses annually along with 12 international lounge accesses.
3. Axis Horizon Credit Card
- Joining fees: Rs 3,000
- Annual fees: Rs 3,000 (Waived off on annual spends of Rs. 5 lakhs)
Lounge benefits: Up to 32 domestic lounge visits per year for Visa Signature cardholders and 24 domestic lounge visits per year for Mastercard World cardholders, along with up to 8 international lounge visits per year (2 per calendar quarter).
Other benefits: 5 EDGE Miles on every Rs 100 spent on the Axis Bank Travel portal or any direct airlines website and 2 EDGE Miles earned on every Rs 100 spent in other categories. Earn 5000 EDGE Miles with the first card transaction with a minimum expenditure of Rs 1,000 within the first 30 days of the card being activated.
2. HDFC Diners Cub Black Credit Card
- Joining fees: Rs 10,000
- Annual fees: Rs 10,000 (Waived off on annual spends of Rs. 5 lakhs)
Lounge benefits: Complimentary unlimited domestic and international airport lounge access for primary cardholders and registered add-on cardholders.
Other benefits: Complimentary golf course games, discounts on Swiggy dine-ins, gift vouchers from Decathlon, and a complimentary Amazon Prime membership.
1. Federal Bank Scapia Credit Card
- Joining fees: Nil
- Annual fees: Nil
Lounge benefits: Unlimited domestic lounge access on spending ₹10,000 per month (Visa) or ₹15,000 per month (RuPay), along with zero foreign exchange markup fee on international transactions. International lounge access is not included.
Other benefits: Earn accelerated rewards with Scapia Coins, including up to 20% back on travel bookings made via the Scapia app. The card is ideal for frequent travellers looking for domestic lounge access and travel-related rewards.
Written by: Kevin
