Top 6 Credit Cards In India For Best Free Airport Lounge Access; Find Details

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If you’re a frequent traveler, consider getting a credit card that offers airport lounge access. There are many different cards available, so it’s important to choose one that’s right for you. Here are the top 6 credit cards in India for the best airport lounge access:

Traveling can be a stressful experience, especially when you’re dealing with crowds, delays, and long layovers. That’s why having access to an airport lounge can make a world of difference. Airport lounges offer a variety of amenities, such as comfortable seating, complimentary snacks and drinks, Wi-Fi, and even spa services.

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Top 6 Credit Cards In India For Best Airport Lounge Access; Find Details

What is a Credit Card?

A credit card is a type of payment card issued to users by a bank or other financial institution, allowing them to purchase goods and services on credit. It allows users to defer payment for the purchase until a later date.

The credit card issuer extends credit to the user, which allows the user to purchase goods and services without having to provide cash at the time of the purchase. Instead of paying cash, the user’s credit card account is charged for the amount of the purchase. The user is then billed by the credit card issuer for the amount of the purchase, plus any interest or fees that may be charged.

Credit cards can be used to make purchases at a wide variety of merchants, including retail stores, restaurants, gas stations, and online retailers. They can also be used to withdraw cash from ATMs

Why do we need it?

There are many reasons why people need credit cards. Some of the most common reasons include:

Convenience: Credit cards can be used to make purchases anywhere that accepts credit cards. This can be very convenient, especially when you’re traveling or making large purchases.

Building credit: Using a credit card responsibly can help you build your credit score. A good credit score can help you qualify for lower interest rates on loans, mortgages, and other forms of credit.

Rewards: Many credit cards offer rewards programs that can earn you cash back, travel points, or other rewards.

Purchase protection: Most credit cards offer purchase protection, which can help you get reimbursed if you make a purchase and then the item is damaged or stolen.

Emergency funds: Credit cards can be a good source of emergency funds in case you need them. However, it’s important to only use credit cards for emergencies and to pay off your balance as soon as possible to avoid accumulating interest charges.

Here are the top 6 credit cards in India for the best airport lounge access:

Axis Bank Select Credit Card

Lounge Access: Up to six international and eight domestic visits annually
Additional Benefits: 20% discounts on BigBasket, 40% off on Swiggy, and six complimentary rounds of golf yearly.

HDFC Diners Club Privilege Credit Card

Annual Fee: Rs 2,500 (waived off on spending Rs 3 lakh in the previous year)
Lounge Access: 12 complimentary visits across airports in India and abroad
Additional Benefits: Complimentary annual memberships for Amazon Prime, MMT BLACK, Times Prime, Dineout Passport, and other rewards.

SBI Elite Credit Card

Lounge Access: Up to six international and eight domestic visits annually
Additional Benefits: Rs 5,000 welcome gift voucher, 5 times rewards on dining, grocery, and department store spends, and free movie tickets worth Rs 6,000 annually.

Indus Easy Credit Card

  • Annual Fee: ₹0
  • Additional Benefits: Earn up to 10% cashback on your spending, Get fuel surcharge waivers on fuel purchases, Enjoy dining discounts at select restaurants, Avail of complimentary movie tickets, Receive exclusive offers and discounts on travel and lifestyle brands

AU Credit Card

  • Annual Fee: The annual fee for AU Bank Credit Cards varies depending on the specific card. Some cards have no annual fee.
  • Lounge Access: Some AU Bank Credit Cards offer complimentary lounge access at domestic and international airports. The number of complimentary lounge visits varies depending on the card.
  • Additional Benefits: AU Bank Credit Cards offer a variety of additional benefits, including:
  • Reward programs: Earn cashback, travel points, or other rewards on your spending.
  • Fuel surcharge waivers: Get discounts on fuel purchases.
  • Dining discounts: Enjoy discounts at select restaurants.
  • Movie tickets: Get complimentary movie tickets.
  • Travel and lifestyle offers: Receive exclusive offers and discounts on travel and lifestyle brands.

ICICI Bank Platinum Credit Card

  • Lounge Access: Yes, the ICICI Bank Platinum Credit Card offers complimentary domestic airport lounge access. Cardholders can enjoy unlimited complimentary lounge access to over 25 domestic airport lounges across India. Additionally, cardholders receive 6 complimentary international lounge visits per year. This lounge access is provided through the DragonPass network, which covers over 1,300 lounges worldwide.
  • Additional Benefits:
  • The ICICI Bank Platinum Credit Card offers a variety of additional benefits, including:
  • Earn up to 10% cashback on your spending: You can earn cashback on your everyday spending, including fuel, dining, and travel.
  • Get fuel surcharge waivers on fuel purchases: You can save up to 1% on fuel surcharge every time you use your card to make fuel purchases.
  • Enjoy dining discounts at select restaurants: You can enjoy discounts of up to 25% at select restaurants across India.
  • Avail of complimentary movie tickets: You can get complimentary movie tickets on select bookings.
  • Receive exclusive offers and discounts on travel and lifestyle brands: You can receive exclusive offers and discounts on travel and lifestyle brands, including hotels, airlines, and shopping brands.

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What is the benefit of a credit card?


Credit cards offer a range of benefits that make them a popular financial tool. Here are some of the key advantages of using credit cards:

Convenience: Credit cards eliminate the need to carry large amounts of cash, making them a convenient and secure payment method for everyday purchases and online transactions.

Building Credit History: Responsible credit card usage can help you establish a positive credit history, which is crucial for obtaining loans, mortgages, and other forms of credit with favorable interest rates.

Rewards and Cashback: Many credit cards offer rewards programs that provide cashback, travel points, or other incentives based on your spending habits. These benefits can translate into significant savings or travel opportunities.

Purchase Protection: Most credit cards offer purchase protection, which safeguards your purchases against theft, damage, or loss. This can provide peace of mind and financial protection in case of unexpected events.

Emergency Funds: Credit cards can serve as a backup source of funds in case of unexpected expenses or emergencies. However, it’s essential to use credit responsibly and manage debt effectively.

Budgeting and Tracking Expenses: Credit card statements provide a detailed record of your spending, making it easier to track expenses, identify areas for improvement, and create a budget.

Fraud Protection: Credit card companies offer robust fraud protection measures to safeguard your account against unauthorized transactions.

Enhanced Travel Experience: Many credit cards provide travel-related benefits, such as travel insurance, airport lounge access, and car rental discounts.

Extended Warranties: Some credit cards offer extended warranties on purchased items, providing additional protection beyond manufacturer warranties.

Global Acceptance: Credit cards are widely accepted worldwide, making them a convenient payment option for international travel and online purchases.

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How many credit cards are sold daily in India?

Approximately 1 lakh credit cards are sold in India daily, equating to over 3.65 crore credit cards sold annually.

A 2022 report by the Reserve Bank of India (RBI) revealed that the number of outstanding credit cards in India increased by 12.2% to reach a staggering 7.8 crore. This growth is attributed to factors such as rising disposable incomes, increasing digitalization, and aggressive marketing campaigns by credit card companies.

The surge in credit card usage has had a positive impact on the Indian economy, stimulating consumer spending and boosting overall economic activity. However, it has also raised concerns about potential overspending and debt accumulation among cardholders.

To mitigate these risks, financial experts advise credit card users to practice responsible financial habits, such as:

Budgeting and tracking expenses

Paying credit card bills on time in full

Avoiding impulse purchases and unnecessary debt

Selecting credit cards with favorable terms and interest rates

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