11 Best Credit Card For Lounge Access Without An Annual Fee in India – Cash Overflow

IDFC First Wealth Credit Card

IDFC First Wealth Credit card is the only zero annual fee credit card that provides free international lounge access along with domestic lounges. 

You can get a combined 4 Domestic & International lounges and spa visits per quarter. 

But the condition is that you have to spend Rs 5000 in a month. You can spend Rs 5000 in any month to access the lounge in the next month. 

If you are planning to use lounge in May month then make sure you have spent more than 5000 Rs. in the month of April.

You get a minimum reward value of 1.5% on online and 0.75% on offline purchases.

IDFC Select Credit Card 

IDFC Select provides 4 free domestic lounge access per quarter on spending 5000 per month. You wouldn’t get international lounge access and spa sessions with Select card. 

IDFC wealth card is more beneficial but you get an easy approval for IDFC Select card as compared to IDFC Wealth card. 

You get a minimum reward value of 1.5% on online and 0.75% on offline purchases.

AU Bank LIT Credit Card

AU LIT lifetime free credit card comes with a unique feature of customizable benefits. You can simply pick the feature you want to use for the next 90 Days and just pay for it.

Domestic airport lounge visit is one such feature. You need to pay Rs 199 to get 1 visit and Rs 299 to get 2 domestic lounge visits valid for 90 days.

HSBC Visa Platinum Credit Card

You get 3 complimentary domestic & international airport lounge access introductory offer with HSBC Platinum credit card. 

You also get other welcomes gifts worth Rs 2750 with HSBC lifetime free credit card. 

You must live in cities like Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune to get the approval. 

Axis Ace Credit Card

Axis Ace is one of the most worthy credit cards on this list. You get 4 domestic airport lounge access, 5% cashback on utility bill payments on Gpay, and 2% cashback on all your other spending.

You wouldn’t get better value in any other beginner-level credit cards. 

HDFC Millennia Credit Card

HDFC Millennia is another alternative to the Axis Ace credit card. You get 8 domestic lounge visits per year along with 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 

You get 1% cashback on all other spends which is less than Axis ace.

HDFC Regalia Credit Card

HDFC Regalia credit card is a good option for occasional travelers who are looking for free domestic and international airport lounges. You get 12 domestic and 6 international complimentary lounge visits in a year. 

You can get a reward value of 1.33% on all your spending with a Regalia credit card which is not great for a credit card with Rs 2500 annual fee.  

HDFC Tata Neu Infinity

HDFC Tata Neu Infinity can be an alternative to the HDFC Regalia credit card. You get 8 Domestic and 4 international airport lounge visits every year. 

HDFC Regalia comes with an annual fee of Rs 2500 whereas Tata Neu Infinity charges Rs 1500 annual fee. 

You can make UPI payments with the Tata Neu Infinity credit card and get 1.5% cashback which is a unique feature among all the other credit cards in this list.

BOB Eterna Credit Card

BOB Eterna is good option for frequent domestic travelers as you get unlimited domestic lounge visits in India. 

If you’re a salaried employee who frequently travels for business trips and wishes to avoid hefty annual fees, you may consider applying for the BOB Eterna credit card.

ICICI MakeMyTrip Signature Credit Card

ICICI MMT Signature credit card comes with one-time joining fee of Rs 2500 with lifetime access. You get welcome gifts worth more than Rs 2500. 

You can get 2 domestic lounge visits per quarter on spending Rs 5,000 in a calendar quarter.  You also get 1 international airport lounge visit and 1 spa session every year with complimentary Dreamfolks membership.