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Premium credit cards offer free and unlimited access to airport lounges but you have to pay more than 10,000 annual fees to get your hands on a premium credit card in India.
You will get a limited number of complimentary airport lounge access with regular credit cards.
If you are looking for a credit card for free airport lounges (without paying an annual fee) then you have two options.
- No annual fee credit cards that provide condition-based lounge access
- A card with annual fees that can be waived off on spending a certain amount in the year.
You will hardly find a credit card which is free for lifetime and offers free airport lounge access (without any condition).
I have included credit cards with an annual fee below Rs 2500 with an annual fee waiver clause with a maximum spending limit of 3 lakh per year. Would that work for you?
Best Free Credit Cards for Lounge Access in India
#1. IDFC First Wealth Credit Card
![IDFC FIRST Wealth Travel Credit Card](https://www.cashoverflow.in/wp-content/uploads/2022/12/IDFC_FIRST_Wealth_Travel_Credit_Card_260x160.jpg)
Lifetime free credit card
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.
#2. IDFC Select Credit Card
![IDFC Select Credit Card](https://www.cashoverflow.in/wp-content/uploads/2023/08/IDFC-Select-Credit-Card-.png)
Easy approval lifetime free card
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.
#3. AU Bank LIT (Live It Today) Credit Card
![AU Bank LIT Credit Card](https://www.cashoverflow.in/wp-content/uploads/2023/08/AU-Bank-LIT-Credit-Card.png)
Lifetime free credit card
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.
#4. HSBC Visa Platinum Credit Card
![HSBC Visa Platinum Card](https://www.cashoverflow.in/wp-content/uploads/2019/05/HSBC-Visa-Platinum-Card.jpeg)
Mutliple welcome gift vouchers
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.
Best Credit Card For Lounge Access With Annual Fee Waiver
#5. Axis Ace Credit Card
![Axis Bank Ace Credit Card](https://www.cashoverflow.in/wp-content/uploads/2022/12/Axis_Bank_Ace_Credit_Card_260x160.png)
5% cashback on Gpay
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.
#6. HDFC Millennia Credit Card
![HDFC Millennia Credit Card](https://www.cashoverflow.in/wp-content/uploads/2022/12/HDFC_Millennia_Credit_Card_260x160.png)
5% cashback on online shopping
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.
#7. HDFC Regalia Credit Card
![HDFC Regalia Credit Card](https://www.cashoverflow.in/wp-content/uploads/2023/01/HDFC-Regalia-Credit-Card_260x160.png)
Lounge access with small annual fee
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.
#8. HDFC Tata Neu Infinity
![HDFC Tata Neu Infinity](https://www.cashoverflow.in/wp-content/uploads/2023/08/HDFC-Tata-Neu-Infinity.png)
1.5% on UPI payments
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.
#9. BOB Eterna Credit Card
![Bank Of Baroda Eterna credit card](https://www.cashoverflow.in/wp-content/uploads/2023/01/Bank_Of_Baroda_Eterna_Credit_Card_260x160.png)
Unlimited domestic lounge visits
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.
#10. ICICI MakeMyTrip Signature Credit Card
![ICICI Makemytrip signature credit card](https://www.cashoverflow.in/wp-content/uploads/2023/08/ICICI-Makemytrip-signature-credit-card.png)
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.
#11. Kotak Royale Signature Credit Card
![Kotak Royale Signature Credit Card](https://www.cashoverflow.in/wp-content/uploads/2023/01/Kotak-Royale-Signature-Credit-Card_260x160.png)
Milestone benefit
Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card offers 2 free domestic lounge visits per quarter. Kotak Royale comes with an annual fee of Rs 999 which is equivalent to an HDFC Millennia card with the same waiver clause of Rs 1 lakh.
You can compare both cards based on your spending nature.
If you are applying for your first credit card, you can check the list of best lifetime free credit cards in India. These are entry-level cards with a high approval rate.
You can check the list of best credit cards for international lounge visits if your primary requirement is international lounges.
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