Synopsis: In 2026, both HDFC and SBI are revamping their airport lounge access benefits. This article highlights the benefits and features each bank provides to help you make an informed choice.
Many banks in India are undergoing changes for the coming year of 2026. The major change is taking place in the lounge access section of the card offerings. The Card issuer giant SBI and HDFC is no different. In fact they are one of the major banks in the phase of transition. Read on to learn everything about the changes and additional features getting added.
HDFC Bank Debit Cards and Lounge Access for 2026
Starting from 10th of January 2026 the customers lounge access benefits will be available only to the customer who spends ₹10,000 in a quarter. Those cardholders will get an SMS or Email on their registered mobile number or Email Id within 2 working days.This message will contain a link to claim their lounge access voucher.
After claiming the voucher, cardholders will receive a 12-18 digit code on registered mobile number and email address which is required at the time of entry at the lounge.
The min quarterly spend is divided into calendar quarters like January to March, April to June, July to September, and October to December in the year. The number of complimentary lounge access allowed in a quarter will be applicable as per your debit card offerings and variants.
Example: Those who have Millennia credit cards will be eligible for 1 lounge visits per quarter each. The lounge visits will increase to 2 each per quarter on Platinum and Business debit cards. The highest lounge visits per quarter is for Infiniti debit cards at a limit of 4.
What will be the validity for vouchers after generation?
The lounge vouchers will have a validity per quarter. It means it will be counted from the date of generation to the next quarter end.
Example: If the voucher was received on 10th of March 2026 then the validity will extend till June 30th 2026.
List of Lounges available with HDFC Bank Debit Card
| State | City | Lounge Name | Terminal Type |
| Karnataka | Bangalore | Blr Domestic Lounge | Domestic |
| Tamil Nadu | Chennai | Chennai | Domestic |
| Tamil Nadu | Chennai | Travel Club Lounge A | Domestic |
| Tamil Nadu | Chennai | Travel Club Lounge | International |
| Telangana | Hyderabad | Encalm Lounge | International |
| Telangana | Hyderabad | Encalm Lounge | Domestic |
| West Bengal | Kolkata | Travel Club Lounge | Domestic |
| Maharashtra | Mumbai | Adani East Lounge | International |
| Maharashtra | Mumbai | Adani Lounge | Domestic |
| Delhi | New Delhi | Encalm Lounge | International |
| Delhi | New Delhi | Encalm Lounge | Domestic |
Also Read: 6 Best Credit Cards That Offer Zero Forex Markup Fees for Foreign Travels (2026)
SBI Cards New Rule of Lounge Access 2026
The lounge access feature has been revised by SBI and will also be effective from January 10th of 2026. The changes will affect the cards such as Apollo SBI Card SELECT, BPCL SBI Card OCTANE, Club Vistara SBI Card, Landmark Rewards SBI Card SELECT, PhonePe SBI Card SELECT, and Paytm SBI Card SELECT. These cards can avail the following lounges from the airports.
| City | Lounge Name | Terminal |
| Ahmedabad | The Lounge | Domestic T1 |
| Bangalore | 080 Domestic Lounge – West PH 2 | Domestic T1 |
| Bangalore | 080 International Lounge | International T2 |
| Chennai | Travel Club Lounge – T1 Lounge B | Domestic T1 |
| Chennai | Travel Club Lounge – T2 Terminal | International T2 |
| Hyderabad | Encalm Lounge | Domestic T1 |
| Hyderabad | Encalm Lounge | International T2 |
| Kolkata | Travel Club Lounge Domestic | Domestic T1 |
| Kolkata | Travel Club Lounge International | International T1 |
| Mumbai | Adani Lounge | Domestic T1B |
| Mumbai | Travel Club | Domestic T2 |
| Mumbai | Adani East Lounge | International T2 |
| New Delhi | Encalm Lounge | Domestic T1 |
| New Delhi | Encalm Lounge | Domestic T3 |
| New Delhi | Encalm Lounge | International T3 |
| Pune | Elysian Lounge | Domestic Terminal |
The second set (B) of credit cards who are eligible are City Union Bank SBI Card PRIME, Krisflyer SBI Card; Club Vistara SBI Card PRIME, Karnataka Bank SBI Card PRIME, PSB SBI Card PRIME, Landmark Rewards SBI Card PRIME, Bank of Maharashtra SBI Card PRIME, Karur Vyasa Bank SBI Card PRIME, SBI Card MILES PRIME, Central Bank of India SBI Card PRIME, Karur Vyasa Bank SBI Platinum Card, SBI Card PRIME Pro; South Indian Bank SBI Card PRIME, South Indian Bank SBI Platinum Card, Titan SBI Card, UCO Bank SBI Card PRIME, and Reliance SBI Card PRIME.
The access to the lounge is provided only after authorization with the card. SBI Credit Cards on VISA and RuPay will be charged Rs 2 to the card account for validation.
Conclusion
There are also new changes in other sections which will be applicable according to your card variant. Thus it is suggested that you once check the official bank website and notifications to align your future spend.
Written by Kenbi Riba
