Best Credit Card In India For International Lounge Access 2025

Super premium and premium credit cards offer unlimited lounge access to international and domestic airport lounges. Regular credit cards provide free lounge access only from 2 to 8 times per year.

You can access the international airport lounges with the priority pass for most of the credit cards.

Some credit cards offer lounge access through Diners Club and Dreamfolks memberships.

There are a few credit cards without an annual fee but still offer international lounge access.

You will know about the annual fees and features of the top credit cards for airport lounge access in this article.

Credit Cards Offering Free International Lounge Access With Priority Pass 2025

#1. Axis Reserve Credit Card 

Axis Reserve credit card
Biggest Benefit

Unlimited international lounge access

Super Premium Credit Card
Axis Reserve Credit Card

Axis Reserve is a super premium credit card that provides lifestyle benefits like free airport lounge access, and airport concierge services. 

Primary and add-on cardholders get unlimited domestic and international airport lounge access along with 12 complimentary guest visits in a year.

#2. HDFC Bank INFINIA Metal Edition Credit Card

HDFC Infinia Credit Card Metal Edition
Biggest Benefit

Unlimited lounge access

Premium Credit Card
HDFC Bank INFINIA Metal Edition Credit Card

HDFC Bank Infinia credit card provides unlimited free lounge access to international airports to both primary and add-on cardholders. You can apply for up to 3 add-on credit cards with an Infinia credit card. 

You can get a reward value of up to 3.3% on regular spending and 33% on spend through SmartBuy.

#3. Axis Magnus Credit Card

Axis Magnus Credit Card
Biggest Benefit

Unlimited International & Domestic lounge access

Best Axis Bank Credit Card
Axis Magnus Credit Card

Magnus was the most rewarding credit card till its devaluation in July 2023. Even after devaluation, Magnus gives better benefits as compared to some other credit cards in the market.  You can still get a reward value of 2.4% on monthly spending upto Rs. 1.5 lakh and 7% above the 1.5 lakh spending.

You get unlimited domestic and international airport lounge access and 8 additional guest visits in a year.  

#4. Kotak White Reserve Credit Card 

Biggest Benefit

Unlimited Lounge Access

Reward points on milestones
Kotak White Reserve Credit Card

You and add-on cardholders can access unlimited domestic and international airport lounges with the Kotak White Reserve credit card.

You only get reward points on hitting the spending milestones with a white reserve credit card. You get 5k reward points on spending 3 lakh and an additional 15k points on hitting the 10L milestone. Reward value can vary from 1.67% to 2.50% depending on your total spending. 

#5. SBI ELITE Credit Card

SBI Elite Credit Card
Biggest Benefit

Mutli-level Milestone bonus reward points

SBI Card For Lounge Access
SBI ELITE Credit Card

SBI Elite is a travel credit card that gives you 6 free international airport lounge access along with 8 domestic access every year. 

You can get the best value only with the milestone benefits on spending 5 and 8 lakh in a year because the reward value on regular spending is just 0.50%. 

#6. Standard Chartered Ultimate Credit Card

Standard Chartered Ultimate Credit Card
Biggest Benefit

Upto 3.3% saving

Condition based lounge access
Standard Chartered Ultimate Credit Card

SC Ultimate credit card provides a condition-based limited lounge access. You can get 1 domestic and international airport lounge access every month on spending 20k in the previous month. 

You get a reward value of up to 3.3% on your spending, equivalent to the HDFC Infinia credit card that comes with a higher annual fee.  

#7. IDFC First Wealth Credit Card

IDFC FIRST Wealth Travel Credit Card
Biggest Benefit

Lifetime free credit card

Zero Annual fee card
IDFC First Wealth Credit Card

IDFC First Wealth Credit card is the only zero annual fee credit card in the list that provides free international airport lounge access.  

You can get a combined 4 Domestic & International lounges and spa visits per quarter on a monthly spend of Rs 20,000. You can spend Rs 20,000 in any month to access the lounge in the next month. 

You get a minimum reward value of 1% on online and 0.50% on offline purchases. 

#8. HDFC Bank Regalia Gold Credit Card

HDFC Regalia Gold Credit Card
Biggest Benefit

Lounge access with small annual fee

Occasional Travellers
HDFC Bank Regalia Gold Credit Card

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

You can get a reward value of 1.33% on all your spending with a Regalia credit card.

Credit Cards Offering Free International Lounge Access With Diners Club 2025

#9. HDFC Diners Black Credit Card

Biggest Benefit

Unlimited lounge access

Card is not accepted everywhere
HDFC Diners Black Credit Card

HDFC Diners credit card provides a more or less similar benefit as the HDFC Infinia credit card, but the biggest drawback is that the Diners credit card is not accepted at all places. 

You get unlimited access to international and domestic airport lounges for both primary and add-on members with the HDFC Diners Black credit card.

Credit Cards Offering Free International Lounge Access With Dreamfolks Membership 2025

#10. ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card
Biggest Benefit

Unlimited lounge access

Lifestyle credit card
ICICI Bank Emeralde Credit Card

ICICI Emeralde Credit Card offers unlimited free domestic and international lounge and unlimited Spa access through Dreamfolks membership or Priority Pass. 

You get lifestyle benefits like complimentary concierge services, free hotel and flight cancellation, and golf lessons.

Credit Card Comparison for Airport Lounge Access 2025

Credit CardAnnual FeeInternational
Lounge Access
Domestic
Lounge access
American Express Platinum Credit CardRs. 66,000UnlimitedUnlimited
Axis Reserve Credit CardRs. 50,000UnlimitedUnlimited
YES Private Credit CardRs. 50,000UnlimitedUnlimited
Citi Prestige Credit CardRs. 20,000UnlimitedUnlimited
HDFC Bank Infinia Credit CardRs. 12,500
Unlimited

Unlimited
Axis Bank Magnus Credit CardRs. 12,500UnlimitedUnlimited
ICICI Bank Emeralde Credit CardRs. 12,000UnlimitedUnlimited
HSBC Premier Credit CardRs. 12,000UnlimitedUnlimited
Axis Bank Miles & More Credit CardRs. 10,000 (for select variant) Rs. 3,500 (for World variant)4 per year (with Select Variant) 2 per year (with World variant)8 per quarter (with Select variant) 4 per quarter (with World variant)
HDFC Bank Diners Club Black Credit CardRs. 10,000UnlimitedUnlimited
Indusind Bank Crest Credit CardRs. 10,0002 per quarter2 per quarter
RBL Bank Insignia Preferred Banking World CardRs. 7,0006 per year8 per year
InterMiles HDFC Bank Diners Club Credit CardRs. 5,000NAUnlimited
ICICI Bank Sapphiro Credit CardRs. 6,5002 per year4 per quarter
Axis Bank Select Credit CardRs. 3,00012 per year2 per quarter
Club Vistara SBI Card PrimeRs. 2,9994 per year8 per year
Kotak Privy League Signature Credit CardRs. 2,500 (for paid variant) NIL (for free variant)4 per year2 per quarter
HDFC Regalia Gold Credit CardRs. 2,5006 per year12 per year
IndusInd Bank Crest Credit CardRs. 2,4996 per year3 per quarter
IDFC FIRST Wealth Credit CardLifetime Free2 per quarter2 per quarter
PNB RuPay Select Credit CardRs. 5002 per annum2 per quarter
Union Select RuPay Credit CardRs. 4992 per annum2 per quarter
Federal Bank Visa Signet Credit CardLifetime FreeNIL1 per quarter

Final Words

You need a good CIBIL score and Annual ITR to get a premium or super-premium credit card. Go ahead and apply for one of these credit cards if you have the required CIBIL score.

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.

FAQs

Which is the best credit card in India for International airport lounge access?

This depends on your frequency of international lounge visits and the annual fees that you are ready to pay.

Unlimited international lounge access is available in credit cards that require upwards of Rs. 10,000 in annual fees. Regular credit cards give you limited or spend condition-based international lounge access in India.

Which HDFC card has international lounge access?

Several HDFC cards offer international lounge access like – HDFC Infinia, HDFC Diners Black, and HDFC Regalia Gold credit card.

How can I get FREE international airport lounge access?

There are 2 ways to get free international airport lounge access:

  • Get a lifetime free credit card with international lounge access like – IDFC First Wealth credit card.
  • Get a credit card that offers a welcome gift equal to the annual fees and also allows an international airport lounge. Example – HDFC Infinia credit card, Axis Magnus credit card, and SC Ultimate credit card.

How do I know if my card has international lounge access?

4 ways to check if your credit card has international lounge access:

  • Check on the credit card issuing bank’s website.
  • Call the customer care number on the back of the card and ask.
  • Present your card to the lounge manager, he will swipe it and let you know.
  • Check on the list of eligible cards on the partner websites like – Priority Pass, Dreamfolks, Diners Club, and Lounge key.

Can I use my husband card for airport lounge access?

No. Airport lounge access is allowed only for the person whose name is embossed on the credit card.

You can accompany as a guest or get an add-on card in your name.

What is a Rs. 2 lounge in the airport?

To validate your credit card, merchants (Visa, Mastercard, Rupay) do a small 1-2 Rupee transaction on your credit card.

About Pardeep Goyal

I love to talk about money saving hacks (Credit Cards, Travel, Shopping, Taxes). I share transparently how I am making passive income and where I spend my money.

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