Best Airport Lounge Access Credit Cards in India (2024)
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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. Learn more about the Tata NeuPass.
WELCOME OFFERS
- Unlock 499 NeuCoins on Tata neu app as the reversal of 1st year membership fee.
- The coins are gained on completing a transaction within the first 30 days of the card issuance.
- The coins are available for claim only for the 60 days of any such transaction in the tata New App.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Received 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores, and movies
- Insurance Benefits - Air accident death cover Upto Rs 50 lakh and fraud liability cover of Rs. 1 Lakh.
WELCOME OFFERS
- As a welcome gift, you will receive an e-gift voucher worth Rs. 3,000 from top brands such as Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost card liability cover Rs. 1 Lakh
FEATURES
- Travel: Complimentary international and domestic lounge access
- Movies: Discount of Rs. 250 per ticket per ticket
WELCOME OFFERS
- Welcome benefit in the form of an e-Gift Voucher worth Rs. 5,000. This voucher can be redeemed at leading travel and lifestyle brands such as Yatra, Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, and Shoppers Stop.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Cover Up to 1 Lac
FEATURES
- Earn 5 times the usual reward points on healthcare products, travel reservations, and international expenditures.
- Accumulate quintuple points for all purchases made on National Doctor's Day, which falls on July 1st.
- Enjoy up to 8 free visits each year to domestic airport lounges in India, with a maximum of two visits allowed every quarter.
WELCOME OFFERS
- Receive an E-Gift Voucher for INR 1500 from Yatra.com.
- You should expect a message containing your digital voucher information within two weeks following your membership fee transaction.
- This code can be applied during online checkout when making a purchase.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Liability Protection
FEATURES
- Enjoy 6X reward points on online shopping for expenditures not exceeding ₹20,000 per month.
- Get 3X loyalty points for offline purchases up to a limit of ₹20,000 every month.
- Get up to 4 free domestic and international airport lounge entries each quarter.
WELCOME OFFERS
- Earn a ₹500 introductory bonus when you spend at least 15,000 within the first 90 days of activating your card.
- Get a 5% cash rebate, up to a maximum of ₹1,000, on your first EMI payment made within 30 days of card activation.
FOREIGN TRANSACTION FEE
1.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 50000
FEATURES
- Eat out and enjoy INR 1000 off every time you pay via PayEazy.
- Get 2 complimentary lounge access every quarter.
- Enjoy a 1% fuel surcharge waiver on fuel transactions.
WELCOME OFFERS
- Benefit from a 12-month EazyDiner Prime membership valued at INR 2,495.
- Secure a 25% to 50% discount at over 2000 premium eateries & lounges.
- Avail exclusive Prime advantages such as tripling your EazyPoints and use them for complimentary stays in luxury hotels or meals without any charge.
- Receive a welcoming bonus of 2000 EazyPoints.
- Get an exclusive voucher for The Postcard Hotel valued at INR 5,000. Immerse yourself in a luxurious getaway at captivating locations within India and globally.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Not Cover By Bank
FEATURES
- Complimentary SonyLIV Subscription
- Earn 4 Reward Points on every ₹200 spent
- Instant Discount on Food Orders
WELCOME OFFERS
- N/AMovies: Buy 1 Get 1 on movie tickets
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy the amazing 10% cashback on Zomato, Swiggy, and Bigbasket.
- Get 4 complimentary lounge visits per year.
- Eran 10% cashback on utility bill payments made via Airtel Thanks App.
WELCOME OFFERS
- Get an Amazon eVoucher of INR 500 on the first transaction made within 30 days.
FOREIGN TRANSACTION FEE
3.6% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Accumulate 3X reward points on other retail transactions.
- Reward yourself with 5% savings on utility and grocery expenses.
- Get a 1% fuel surcharge waiver on fuel purchases at Authorized HPCL Fuel stations.
WELCOME OFFERS
- Enjoy the welcome benefit of ₹2500.
- Get ₹500 cashback on your first fuel transaction of ₹500 or more at HPCL stations.
- Enjoy 5% cashback, capped at ₹1,000, on the amount of your first EMI conversion transaction.
- Receive a ₹150 discount on Swiggy orders over ₹500.
- Avail ₹1000 off on car rentals through ZoomCar.
- Benefit from discounts of up to 50% on both domestic and international car rentals with Eco Rent-A-Car and Europcar.
- Note: All these offers are valid within 30 days of setting up your card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Get 2 reward points on weekends for spending Rs. 100.
- Access to 600+ lounges globally
- Receive Luxe Gift Card.
WELCOME OFFERS
- Exclusive Montblanc e-gift vouchers
- Movies: BOGO on booking with BookMyShow
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 8 CV Points for every Rs. 200 spent.
- Enjoy 4 free international lounge visits quarterly.
- Avail of Rs. 3,000 dining discounts bi-annually.
WELCOME OFFERS
- Club Vistara membership
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Zero Liability Cover
FEATURES
- Get 2 reward points on weekends for spending Rs. 100.
- Get 2 complimentary lounge access quarterly.
- Earn 4 complimentary golf games monthly.
WELCOME OFFERS
- Gift voucher worth Rs. 5000 from Luxe Gift
- Movies: BOGO on booking with BookMyShow
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Personalized Design Card: On the face of the card, you will find a distinctive, hand-crafted illustration that captures the image of the cardholder uniquely.Higher Credit Limit: The card offers a minimum limit of Rs. 10 Lakh, and it also allows for an instant credit limit increase, enabling you to make larger purchases. However, please be aware that this feature is subject to the bank's sole discretion.Movies: Complimentary Movies Tickets
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Gain 4 reward points for spending every ₹150 on special categories- travel, hotel, restaurants, and international spending.
- Enjoy 2 complimentary lounge access each quarter in select Dream Folks lounge
- 2 reward points for every ₹150 spent on other categories.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy 5X reward points every time you spend Rs. 150 on retail fashion or overseas.
- Get 2X reward points for every other transaction.
- Benefit from 4 complimentary domestic lounge access quarterly.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Accumulate 5 reward points for every ₹100 spent.
- Enjoy 12 free access passes to airport lounges (3 each quarter).
- Lower Forex markup of 2% on international transactions.
WELCOME OFFERS
- Get the FitPass Pro membership of Rs. 15000 free for 6 months
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy up to 8 reward points on your spending of Rs. 200.
- Get accelerated 16 reward points on travel and dining on spending Rs. 200.
- Access to 2 complimentary domestic lounge access quarterly.
WELCOME OFFERS
- Enjoy a first-year fee waiver on spending Rs. 50000 within 90 days of card setup.
- Movies: 25% off on movie tickets booked via BookMyShow
FOREIGN TRANSACTION FEE
1.75% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 8 Lakh
FEATURES
- Enjoy up to 16 reward points on your spending of Rs. 200.
- Get 20000 reward points on annual spending of Rs. 12 lakhs or more.
- Access to 2 complimentary domestic lounge access quarterly.
WELCOME OFFERS
- Spend Rs. 20,000 within 30 days of the card set-up date for a first-year membership fee waiver.
- Spend Rs. 1000 in 30 days and get an Amazon voucher for Rs.500. This applies only to online applications.
FOREIGN TRANSACTION FEE
1.75% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Gain up to 40 reward points for every Rs.100 on booking tickets on IRCTC.
- Get 4 reward points on spending Rs. 100 at grocery and retail stores.
- Enjoy a 1% fuel surcharge waiver with a maximum capping of Rs.100 per statement cycle.
WELCOME OFFERS
- Receive 1000 bonus Reward Points when you make a transaction of Rs. 1000 or more using your card within the first 45 days of card issuance.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Card Lost Liability Cover
FEATURES
- Enjoy up to 10 reward points on shopping INR 100 at grocery or departmental stores.
- Get a 1% fuel surcharge waiver across all fuel stations in India.
- Easily convert high-value transactions into EMIs of 6-36 months.
WELCOME OFFERS
- Enjoy the card with multiple benefits for a lifetime free.
- Get a free FITPASS Pro membership for half a year, valued at ₹15,000.
- Earn 1,000 bonus points when you activate your card within the first month.
- Enjoy a one-year Amazon Prime membership when you spend a minimum of ₹100,000 within the first three months.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
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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