Best Airport Lounge Access Credit Cards in India (2024)
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FEATURES
- Get up to 2 reward points on INR 100 spending.
- Enjoy INR 3000 off annually at 100+ eateries.
- Worldwide access to 850+ airport lounges.
WELCOME OFFERS
- There is a multitude of benefits to choose from
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Get 5X rewards on spending Rs.100.
- Enjoy the 1% fuel surcharge waiver.
- Up to 3 add-on cards are available.
WELCOME OFFERS
- Free TataCliQ, Cult.fit Live, BookMyShow, and Ola taxis gift cards for monthly purchases exceeding Rs. 80,000
- Fee Reversal on Spending Rs. 7500 in 60 days
- Dining: 5X Rewards on online spends
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Cover Up to Rs.9 Lakh
FEATURES
- Earn 6 Reward Points for every INR 100 spent online.
- Enjoy 10 Reward Points per INR 100 spent after reaching monthly spends of INR 30,000 and on birthday transactions.
- Receive a 25% bonus on Reward Points when donating to charity.
WELCOME OFFERS
- Get 200000 reward points on paying the joining fees.
- Enjoy the Taj Epicure membership.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover of Rs.50000
FEATURES
- For every INR 150 spent on online purchases, you will receive 15 reward points
- 1% of fuel is waived at all fuel stations across the country.
- Upon spending INR 5 lakh annually, you will receive 20,000 bonus reward points.
WELCOME OFFERS
- Complimentary 6-month Fitpass Membership
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- 10 reward points on utility bill payment of INR 100
- Spend INR 50000 or above to get Complimentary Zomato Pro membership
- 1000 reward points on 1 retail transaction on birthday
WELCOME OFFERS
- New cardholders receive INR 2000 in vouchers for minimum retail spending of INR 30,000 within the first 60 days.
- Choose from a selection of premium brands.
FOREIGN TRANSACTION FEE
2.99% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- For every INR 100 spent on travel, dining, and international purchases, you will receive 5x reward points
- 1% fuel surcharge waiver at all fuel stations across the country between transactions of INR 400 and INR 5,000.
- Airport lounges visit once a quarter in a calendar year.
WELCOME OFFERS
- Get a fee reversal for spending INR 10,000 within the first 60 days of card setup.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Spend INR 100 or more on groceries or at a department store and earn 5 times extra reward points.
- When you make purchases in other categories, you can earn one reward point for every INR 100 spent.
- Get 1% off on fuel surcharge for transactions between ₹400 - ₹5,000 at all fuel stations in India, up to ₹250 per billing cycle.
WELCOME OFFERS
- Free one-year subscriptions to Amazon Prime, Zomato Pro, and Fitpass (available with the Varunah Plus and Varunah Premium Credit Cards), as well as 1,000 additional Reward Points with the Varunah Premium Card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Lifetime free credit card
- 5X reward points on bill payments
- Receive complimentary access to domestic lounges annually.
WELCOME OFFERS
- Upon card activation within the first 30 days of issuance, you are entitled to a complimentary 6-month FitPass Pro membership and 1,000 bonus Reward Points.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Earn 5 Points for each INR 100 you spend within the country.
- Accumulate 10 Points for every INR 100 used on transactions abroad.
- Enjoy a full waiver on the 1% fuel surcharge for all transactions ranging from INR 500 to INR 4000.
WELCOME OFFERS
- N/AMovies: Enjoy a flat INR 500 discount on booking movie tickets via BookMyShow every month.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- INR 100 cashback on the first HPPay purchase.
- 5% cashback on utilities, groceries, and stores.
- Complimentary 24x7 Road Assistance Service (RAS).
WELCOME OFFERS
- Earn 2,000 Reward Points upon card activation and fee payment. This is available when you spend INR 5000 within 2 months of joining the card.
- Get INR 100 added to the HP Pay app wallet as cashback as the joining benefit.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- 1% surcharge waiver on fuel purchases.
- 2 Reward Points for every INR 100 spent.
- 2.5% cashback on fuel purchases of a minimum of INR 500.
WELCOME OFFERS
- Offers from the ICICI Bank Culinary Treats program.
- Lifestyle: 25% off BookMyShow movie tickets & dining discounts.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Earn up to ₹27,000 White Pass value annually in spending of INR 12 lakh.
- Access VIP lounges in 148 countries worldwide.
- Get 4 complimentary international lounge passes every year.
WELCOME OFFERS
- Earn a White Pass value worth ₹1500 by spending ₹30,000 within 60 days.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Earn 8000 exclusive reward points on renewal.
- Enjoy a minimum 15% discount on selected restaurants.
- Get access to lounge facilities globally.
WELCOME OFFERS
- Free Amazon gift voucher of Rs. 500 on spending Rs.1000 in 30 days. (online application only)
FOREIGN TRANSACTION FEE
1.75% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Receive 8 reward points for every INR 200 spent on travel and dining.
- Enjoy a 1% surcharge waiver for transactions ranging from INR 400 to INR 5,000.
- Benefit from a preferential foreign currency markup rate of only 2.75%.
WELCOME OFFERS
- Get the Amazon gift voucher worth Rs.500 on spending Rs.1000 within 30 days of card setup (valid for online applied cards only)
FOREIGN TRANSACTION FEE
2.75% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 3 lakh
FEATURES
- Receive 2% back in the form of NeuCoins when spending on Tata Neu and associated Tata Brands. Check the complete list of qualifying brands.
- Get a 1% reward in NeuCoins for purchases made outside of Tata brands and for Merchant EMI transactions.
- After downloading the Tata Neu App and registering for Tata NeuPass, gain an extra 5% in NeuCoins for specific categories on the Tata Neu App/Website.
WELCOME OFFERS
- Unlock INR 1499 Neu coins with your credit card as the reversal of your 1st year membership fee.
- The reward will be given on completing 1 transaction within first 30 days of card issuance.
- It will be available in Tata New App within 60 days of any such transaction.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Up to ₹9 lakhs
FEATURES
- Earn 3 CV points for every INR 200 spent.
- Experience 4 free visits yearly to domestic airport lounges, capped at one each quarter.
- With the Club Vistara SBI Card, enjoy a complimentary Priority Pass Membership.
WELCOME OFFERS
- Receive an E-Gift Voucher for 1 Economy class ticket upon paying the Annual/Renewal fee.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability of Rs. 1 lakh
FEATURES
- Collect 10 Axis EDGE points for each spend of INR 200.
- Get 2X reward points for every INR 200 on retail shopping.
- Enjoy upto 12 complimentary international airport lounge access with the help of Priority Pass membership.
WELCOME OFFERS
- Earn 10,000 EDGE REWARD Points equivalent to Rs.2000 on your initial card transaction.
- Ensure the transaction is completed within the first 30 days after card issuance.
- The points will be added to your EDGE REWARDS account within T+12 business days, where T represents the date of the transaction.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Fuel Benefits: Earn reward points at a rate of 13 times the normal rate when you make fuel purchases at BPCL petrol pumps.
- Reward Points: Get rewarded with 5 times the regular reward points for every ₹ 100 spent on groceries, departmental stores, movies, and dining.
WELCOME OFFERS
- You will receive a bonus of 2,000 reward points worth Rs. 500 upon card activation
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
No
FEATURES
- Complimentary Club Vistara Membership: Enjoy the exclusive benefits of complimentary Club Vistara Silver membership such as priority check-in and additional baggage allow
- Accrue Club Vistara Points on Every Swipe: Earn 4 CV Points* for every Rs. 200 spent
WELCOME OFFERS
- Vistara Premium Economy class ticket as a welcome benefit in the first year
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Card Lost Liability Cover
FEATURES
- Enjoy 1% value on shopping in the form of 5 reward points for every INR 100 spent.
- Get 4% value back on fuel transactions in 20 reward points for every INR 100 spent at the IOCL outlet.
- Discount of up to 15% at partner restaurants in India.
WELCOME OFFERS
- 100% cashback on your first fuel transaction completed in the first 30 days of card issuance.
- Movie: 10% off on BookMyShow.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
The Airport Lounge Credit Card grants users exclusive access to premium airport lounges. These sought-after cards, provided by leading banks and credit card companies, cater to the needs of frequent travelers. Airport lounges boast a plethora of amenities, ranging from plush seating and complimentary culinary delights to high-speed Wi-Fi, dedicated workstations, rejuvenating showers, and indulgent spa services. In addition to these luxuries, these credit cards also unlock a treasure trove of travel perks, including comprehensive insurance coverage, priority boarding privileges, personalized concierge services, lucrative rewards programs, enticing discounts on reservations, and the convenience of airport transfers or expedited security screening.
Understanding the Functionality of Airport Lounge Credit Cards
Unlocking the world of airport lounge access involves navigating through specific eligibility requirements and procedures. Here's a breakdown:
- Eligibility: Meeting specific requirements is essential for gaining access to airport lounges, which may encompass:
- Membership in airlines or airport lounges
- First and Business Class Tickets
- Frequent Flyer Status
- Credit cards that grant entry to lounges.
- Pay-per-Use Alternatives.
- Lounge Location: Airport lounges are exclusive spaces within airport premises, typically located away from the bustling main terminals.
- Access Process: Qualified individuals are required to present evidence of their eligibility, including:
- Membership Cards
- Boarding passes displaying valid tickets or status indicators
- Perks offered by credit cards that provide lounge access
- Enjoying Facilities: Upon entering the lounge, guests are welcomed with a plethora of amenities including comfortable seating, a variety of food and beverages, high-speed Wi-Fi, designated workstations, refreshing showers, and entertainment options to enhance their airport lounge experience.
Features & Advantages of Credit Cards for Airport Lounge Access:
Top Airport Lounge Credit Cards provide an array of perks and advantages that elevate the overall travel experience for those who hold them. Below are some key features and benefits typically linked with these cards:
- Lounge Access: One of the main perks of holding these credit cards is the exclusive access they provide to airport lounges. With comfortable seating, tranquil environments, complimentary food and beverages, Wi-Fi connectivity, dedicated workstations, refreshing showers, and a range of other amenities available, cardholders can truly indulge in a luxurious pre-flight experience.
- Global Lounge Network: These credit cards frequently grant cardholders access to an extensive global network of lounges, offering them the opportunity to indulge in luxurious lounge amenities at airports worldwide.
- Complimentary Access: Depending on the card, cardholders may be granted a specific number of complimentary lounge visits annually, enabling them to enjoy lounge amenities without incurring any extra charges.
- Priority Pass Membership: Some credit cards offer complimentary or discounted memberships to Priority Pass, allowing cardholders to access a wide network of airport lounges around the globe.
- Travel Benefits: Airport Lounge Access Credit Cards often include supplementary travel perks like travel insurance, personalized concierge services, priority boarding privileges, and exclusive discounts on hotel reservations or car rentals.
- Rewards and Miles: Cardholders can earn points or miles through a rewards program linked to these credit cards, which can then be redeemed for a variety of travel-related perks such as airline tickets, hotel stays, or upgrades, enhancing their overall travel experience.
- Airport Privileges: Moreover, these credit cards also provide additional perks such as fast-tracked security screening, priority handling of luggage, and convenient airport transfers, enhancing the overall travel experience with seamless efficiency.
- Supplementary Cards: Cardholders have the option to easily request additional cards for their family members or travel companions, granting them the same luxurious lounge access benefits.
- Premium Services: Luxury credit cards offer top-tier services including personalized concierge support, tailor-made travel plans, and access to exclusive events and experiences.
- Purchase Protection and Benefits: Certain cards also provide purchase protection, extended warranties, and additional shopping perks, adding value beyond just travel-related benefits.
Careful consideration of the individual features, terms, and conditions of each credit card is crucial in selecting the one that best suits your travel preferences and requirements.
Eligibility criteria for Airport Lounge Access Credit Cards?
The eligibility criteria for airport lounge access credit cards may vary depending on the card issuer and specific card. Here are key factors that credit card issuers typically assess when determining eligibility:
- Credit Score: When evaluating applicants, credit card issuers take into consideration credit scores as a measure of creditworthiness. A higher credit score signifies responsible credit management and enhances the likelihood of being approved for a lounge access credit card.
- Income: Certain credit cards might set specific income thresholds to guarantee that applicants possess the financial capability to handle the card's fees and potential expenses effectively.
- Employment Status: Credit card companies may inquire about the employment status and income stability of applicants to evaluate their capacity to make timely payments and effectively manage their credit card accounts.
- Citizenship and Residency: Some cards may mandate that applicants hold citizenship or residency in a particular country or region. Restrictions may be in place based on the applicant's country of residence or citizenship due to regulatory requirements.
- Age: Applicants must meet the age requirement specified by their jurisdiction to be eligible for credit card applications, ensuring they are of legal age to apply.
- Existing Relationship with the Issuing Bank: Certain credit card issuers may prioritize applicants who are already existing customers or account holders when considering approvals for specific cards.
It's important to note that while these criteria serve as general guidelines, individual cards may have additional requirements or restrictions. Meeting the criteria does not automatically guarantee approval, as the final decision ultimately lies with the credit card issuer and is influenced by various factors. Before applying, make sure to carefully review the specific eligibility criteria of the card to ensure that you meet all the requirements.
Which Airport Lounge Access Credit Card is the Perfect Fit for You?
When selecting the perfect airport lounge credit card, it's essential to carefully assess your personal preferences and unique requirements. This involves evaluating the features and benefits that hold the most significance for you, as well as taking into account your specific travel needs and desires for airport lounge access.
Here are the key factors to consider when deciding on an airport lounge access credit card:
Number of lounge visits
The frequency of lounge visits provided by airport lounge credit cards holds significant weight in your card selection process. While some cards grant unlimited lounge access, others may offer a limited number of complimentary visits each year. Evaluate your typical travel habits and choose a card that aligns with your frequency of lounge usage.
Lounge Network
Consider the global lounge network associated with the card. Cards that offer access to a broader network of lounges can provide more flexibility and convenience during your travels. Look for cards that include access to lounges in the regions you frequently travel to.
Additional Travel Perks
Assess the additional travel perks that come with the card. These may include travel insurance, priority boarding, car rental discounts, or airport transfers. Evaluate which perks are most relevant to your travel preferences and needs.
Annual Fees and Charges
Compare the annual fees and charges associated with each card. While some cards may have higher fees, they might offer extensive lounge access and a range of additional benefits. Consider the overall value of the card in relation to its costs and benefits.
Rewards and Benefits
Review the rewards program and benefits offered by the card. Some cards provide rewards points or miles that can be redeemed for travel-related expenses. Ensure that the card's rewards align with your travel goals and preferences.
Customer Service and Support
Assess the quality of customer service and support provided by the card issuer. Reliable customer service can enhance your overall experience and address any issues or queries that may arise during your travel.
Additional Card Benefits
Consider any additional benefits or features that the card may offer, such as complimentary supplementary cards for family members or personalized concierge services. Choose a card that aligns with your lifestyle and enhances your travel experience.
The cost of accessing lounges in India varies depending on the airline, typically starting at Rs.1,000 per visit.
Some of the top credit cards in India, such as the SBI ELITE, HDFC Regalia First, HDFC Superia, and Standard Chartered Ultimate, provide exclusive access to airport lounges for a luxurious travel experience.
There are a couple of ways to enjoy the luxury of airport lounges in India: either by purchasing access directly at Indian airports or by taking advantage of a credit card that offers complimentary entry.
Indeed, utilizing a credit card that grants complimentary lounge access opens up the possibility of enjoying airport lounges at no cost.
A complimentary airport lounge pass is a valuable perk offered by numerous credit card issuers on select cards. This feature grants you free or discounted access to airport lounges at affiliated national and international airports, enhancing your travel experience with luxury and comfort.
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