Synopsis: Many of the credit cards now offer complimentary airport lounge access without any spend-based conditions. The omission of quarterly or yearly spends makes access inaccessible sometimes. This article lists the top cards that allow their users to get airport lounge access without any conditions.
Airport lounge access is no longer a feature reserved for elite travellers alone; several credit cards now bundle this travel benefit with no spend triggers. Not all cards are lounge‑only, but they also offer other perks like cashback, reward points, low foreign transaction fees, or lifestyle privileges. However, banks have tightened eligibility and benefits across the industry. Thus, it’s essential to isolate cards where lounge access is genuinely unconditional once the card is issued and recheck that there are no quarterly or monthly spend thresholds to hit.
Top Credit Cards Offering Free Lounge Access with No Spend Criteria
No spend criteria means the lounge benefit is not linked to spending milestones. Even if the lounge access is of no spend criteria, there could still be an annual cap or per-quarter visits that are activated simply by holding the card.
1) IndusInd Bank Tiger Credit Card
- Joining & Annual Fee: ₹0 (LTF Status)
- Lounge Access Benefit
- 8 domestic entries per year (capped at 2 per quarter) and 2 international entries per year via Priority Pass
- Bonus Perks
- Forex mark-up fee (1.5%)
- 1 complimentary movie ticket every 6 months
- Golf privileges (1 game/lesson per quarter at partner clubs)
- Concierge services and travel assistance
- Fuel surcharge waiver: 1% on transactions ₹400–₹4,000
To apply for the card, please visit the Official Website
2) HDFC Regalia Gold Credit Card
- Joining Fee: ₹2,500 + taxes
- Annual Fee: ₹2,500 + taxes (Waiver on spend of ₹4 lakh annually)
- Lounge Privileges
- 12 domestic lounge visits/year and 6 international lounge visits/year via Priority Pass
- Bonus Perks
- Reward points on travel and more
- Comprehensive travel insurance
- 24/7 concierge services
To apply for the card, please visit the Official Website
3) HSBC RuPay Cashback Credit Card
- Joining Fee: ₹499
- Annual Fee: ₹499 (fee waiver on spends ₹2 lakh annually)
- Lounge Access
- 8 domestic lounge visits per year (2 per quarter) and 2 international lounge visits per year
- Bonus Perks
- 10% (up to) cashback on dining, food delivery and more
- 1% cashback on other spends
- 0% forex mark-up on international transactions
- UPI integration for QR/UPI payments
4) ICICI MakeMyTrip Credit Card
- Joining Fee: ₹2,500 + taxes
- Annual Fee: ₹0
- Lounge Access
- 8 domestic lounge visits/year and 1 international lounge visit/year via Priority Pass
- Bonus Perks
- Reward points on travel bookings made via MakeMyTrip
- Through app/website discounts on travel and hotels
5) IDBI Bank Royale Signature Credit Card
- Joining & Annual Fee: ₹0
- Lounge Privileges
- 4 domestic lounge visits/year (1 per quarter)
- Bonus Perks
- Reward points on daily spends
- Basic travel accident insurance
Also read: Top 5 Credit Cards With the Lowest Spend Requirement for Complimentary Lounge Access in 2026
6) IDBI Bank Winnings Credit Card
- Joining Fee: 0
- Annual Fee: ₹899 (fee waiver on spends ₹90,000 lakh annually)
- Lounge Privileges
- 8 domestic entries/year (2 per quarter) and 4 international lounge visits/year (2 per half-year)
- Bonus Perks
- Reward points on daily spends
- Dining and travel discounts via partners
7) HSBC Live+ Credit Card
- Joining Fee: ₹999
- Annual Fee: ₹999 (waiver on ₹2 lakh annual spend)
- Lounge Privileges
- 4 domestic lounge visits/year
- Bonus Perks
- 10% (up to) cashback on dining, groceries, and more
- 1.5% cashback on other eligible spends
8) ICICI Adani One Platinum Credit Card
- Joining Fee: ₹750
- Annual Fee: ₹750 (on annual spend of ₹3 lakh waiver)
- Lounge Privileges
- 8 domestic lounge visits/year
- Bonus Perks
- Reward points on retail and online spends
- Shopping discounts with select merchants
9) SBI PULSE Credit Card
- Joining Fee: ₹1,499
- Annual Fee: ₹1,499 (waiver condition on annual spend of ₹2 lakh)
- Lounge Privileges
- 4 domestic lounge a year, 1 visit is allowed every quarter
- Other Benefits
- Earn reward points across various categories
- Special offers related to Travel and online shopping
Comparative Table
| Card Names | Joining Fee | Annual Fee | Domestic Lounge | International Lounge |
| IndusInd Tiger | ₹0 | ₹0 | 8 | 2 (PP) |
| HSBC RuPay Cashback | ₹499 | ₹499 | 8 | 2 |
| MakeMyTrip ICICI | ₹2500 | ₹0 | 8 | 2 (PP) |
| IDBI Royale Signature | ₹0 | ₹0 | 4 | – |
| IDBI Winnings | ₹0 | ₹899 | 8 | 4 |
| HSBC Live+ | ₹999 | ₹999 | 4 | – |
| ICICI Adani One Platinum | ₹750 | ₹750 | 8 | – |
| SBI PULSE | ₹1,499 | ₹1,499 | 4 | – |
| HDFC Regalia Gold | ₹2,500 | ₹2,500 | 12 | 6 (PP) |
Conclusion
The cards with low or no-fee cards suitable for those seeking under budget would be IndusInd Tiger & IDBI Royale Signature. The cards with higher lounge counts, along with international access, are HSBC RuPay Cashback, MakeMyTrip ICICI, and HDFC Regalia Gold. Lastly, opt for a card that not only provides the lounge benefit but also suits your spending habits. So that you can earn more rewards and cashback.
Written by Kenbi Riba
