11 Best Credit Card for Free Airport Lounge Access in India 2020

HDFC Bank Diners Black Credit Card Lounge Access

• International – Unlimited
• Domestic – Unlimited

You can freely access 700+ lounges in India and worldwide without the need for a separate priority pass.

Annual Fees

• First year– Rs.5000 (spend Rs. 5 Lacs and get next year fee waiver)
• Second year onwards- Rs. 5,000

Welcome Gift

• First year – 10000 points
• On renewal – 5000 points

The welcome gifts are equal to the annual fee of the credit card. So, you can enjoy all the benefit without spending a single penny.

Other benefits

• Rs. 2 Crores of Air accident cover
• Rs. 50 Lacs cover for Emergency medical expenses
• Rs. 9 Lacs cover for Credit card liability
• Rs. 55,000 Travel insurance cover on baggage delay
• 2x points on weekend dining spends
• 2 vouchers worth Rs 1000 from Ola Select membership or BookMyShow or TataCLiQ on spending of Rs. 80,000 in a calendar month

You can pick a suitable credit card for your needs from this list of best credit cards in India 2020

HDFC Bank Infinia VISA Credit Card Lounge Access

• International – Unlimited
• Domestic – Unlimited

Annual Fee – Rs. 10,000 (waived off on spending 8 Lacs)

Other benefits

• 10 reward points for every Rs. 150 spent on hdfcbankinfinia.com, dining and flight bookings on airvistara.com
• 5 reward points on all other spends
• 2% foreign currency markup fee
• 15% across 3000+ restaurants
• 1% fuel surcharge waiver
• No cash withdrawal fee
• Accidental death insurance of Rs. 3 Crore
• Medical emergency cover up to Rs. 50 Lacs during travel abroad
• Accidental death and permanent disability cover of Rs. 9 Lacs
• Card liability cover up to Rs. 9 Lacs

You would also get complimentary Vistara gold membership having benefits 

• 10 vistara points for every Rs. 100 spent on all vistara flights
• Additional 10 Kg Baggage allowance
• Guaranteed reservations in Economy Class
• Priority airport check-in, waitlist clearance, baggage handling and boarding

Note: Vistara gold membership comes with a validity of 1 year. After 1 year, you have to contact HDFC customer care if you wish to keep the membership.

Annual Fee – Rs. 20,000

Welcome Gift (every year)

• 10,000 bonus air miles
• Taj Group or ITC Hotelsand vouchers worth Rs 10,000

The welcome gifts are worth equal to the annual fee.

Expert tip to get quick approval

You can get Citi Prestige credit card if you open Citigold Saving Account. You need to maintain Rs. 75L in your portfolio to be member of Citigold.

Other benefits

• 2 reward points overseas per Rs. 100
• 1 reward point per Rs. 100 in India
• Up to 30% bonus points above regular points for an existing Citigold or Citigold private client
• 4 complimentary golf rounds & golf lessons
• 2 complimentary luxury airport services and meet & assist services
• One complimentary night on a minimum stay of 4 nights at any hotel across the world
• Overseas medical insurance of USD 50,000 while traveling
• Air Accident Insurance of Rs. 5 Crores
• Lost Card Protection of Rs. 10,00,000

Annual Fee – Rs. 10,000

Welcome Gift

• 50,000 reward points on the first transaction within the first 90 days
• 40,000 reward points on each renewal

The welcome gift is worth more than the annual fee of Yes Prefered exclusive credit card.

Milestone Bonus

25,000 bonus reward points worth Rs. 6250 on hitting milestone of INR 20 Lacs in one year.

Other benefits

• 10 reward points on every INR 100 spent
• 1000 reward points on each YES PayNow registration
• Complimentary TAJ InnerCircle epicure membership
• Foreign currency markup of 1.75%
• 25% discount on movie bookings at BookMyShow, max Rs. 250 per month
• 1% fuel surcharge waiver
• One complimentary golf lesson every month
• Life insurance cover of INR 3 Crores for death due to flight accidents
• Medical insurance cover of INR 50 Lacs for when traveling overseas

Annual Fee: Rs. 4999

You will get a welcome gift worth Rs. 4999

Milestone Benefits

• 10,000 bonus reward points on achieving annual spends of Rs. 3 Lacs and 4 Lacs
• 15,000 bonus reward points on achieving annual spends of Rs. 5 Lacs and 8 Lacs

The only bonus reward points are equal to a direct saving of up to 1.5%.

Other Benefits

• 10 points per Rs. 100 spent on dining, departmental stores, grocery & international spends
• 2 points per on all other spends
• 9 Vistara points for every Rs. 100 spent on Vistara flight bookings.
• Free 2 movie tickets worth Rs. 500 every month
• 1% fuel surcharge waiver
• 1.99% foreign currency mark-up

Annual Fee – Rs. 2500 (spend 3 Lacs and get next year fee waiver)

You would get a welcome gift of 2500 reward points worth Rs. 1250 every year. Also get one-year Zomato Gold membership on spending Rs 75000 in a year.

Milestone Benefits

• You will get 2500 reward points as a welcome gift
• Every year you will get 2500 reward points as renewal benefits
• Earn 10,000 reward points on annual spends of Rs. 5,00,000
• Earn 15,000 reward points if your total spends is Rs. 8,00,000

Key benefits

• 4 reward points on Rs. 150 spent, each point worth 50 paise.
• 2% Foreign currency mark-up
• 15% discount on dining at premium restaurants
• Medical emergency protection up to Rs. 15 Lacs
• Air accident cover of Rs. 1 Crore
• Credit liability cover up to Rs. 9 Lacs
• Travel insurance cover up to Rs. 55,000 on baggage delay

You can also earn up to 36000 bonus points in the very first year. 15000 points as a welcome gift, 20000 milestone points on spending Rs. 7.5 Lacs, 1000 points on YES PayNow registration.

These reward points can be redeemed for flight and hotel bookings.

Annual Fees & Renewal Fees: Rs. 2500

Welcome Gift

• 15000 points in the first year
• 10000 points on each renewal

Other benefits

• 8 reward points on travel agency & tour operator, domestic airlines and dining
• 4 reward points on all other spends
• Foreign currency markup of 1.75%
• Rs. 1 crore life insurance cover for flight accident
• Rs. 25 Lacs of medical insurance cover while traveling overseas

You can get Yes Preferred card on having a monthly income of Rs. 2 Lacs. Otherwise, you can get the card by making a fixed deposit of Rs. 3 Lacs.

Annual Fees: Rs. 5000

Welcome Gift

• 12,500 bonus JPMiles and an air ticket voucher
• 5,000 JPMiles and an air ticket voucher on every renewal

The welcome gifts are worth more than the annual fee.

Other Benefits

• 5 JPMiles on domestic spends
• 7 JPMIles on international spends
• 1 JPMile on Insurance and utilities
• 2 international lounge visits and 2 spa sessions via DragonPass membership
• Dedicated check-in for the select domestic flight
• Complimentary excess baggage allowance of 10 Kgs(Premier) and 5 Kgs(Economy)
• 4 complimentary rounds/ lessons of golf every month
• Up to Rs. 500 off on the second movie ticket on BookMyShow twice every month

Annual Fees

• First Year – Rs. 6500
• Renewal Fees: Rs. 3500 (waived off for a spend of more than Rs. 6 Lacs)

ICICI Sapphiro credit card offers welcome gift voucher worth Rs 10,000

Welcome Gift Details

• Shoppers Stop Voucher worth ₹ 3000
• 4 EaseMyTrip Vouchers worth ₹ 1000 each
• 4 Ola vouchers worth ₹ 250 each
• 2 Zomato vouchers worth Rs. 500 each
• Croma Voucher worth ₹ 1000

You would also Get 4,000 payback points on spending Rs. 4 Lacs and additional 2000 payback points each time you cross Rs. 1 Lac spend thereafter in one year.

Other Benefits

• Get 1 payback points on Rs. 100 spent on fuel, utilities and insurance
• Buy one movie ticket and get up to Rs. 500 off on the second ticket
• 4 complimentary rounds of golf every month at the golf course
• 1% fuel surcharge waiver
• 2 complimentary domestic airport spa visits per calendar year

Milstone Benefit

• 10,000 bonus reward points on spend Rs. 4,00,000
• earn 30,000 points on spending Rs. 8,00,000 (not extra of 10,000 bonus).

Other Benefits

• 4X reward points on Airlines, hotels, restaurants, travel agencies & tour operators and package
• 2X rewards on all other spends
• 1% fuel surcharge waiver
• Rs. 500 of railway surcharge waiver on www.irctc.co.in
• Rs. 2.5 Lacs of Credit Card stolen cover

Annual Fee – Rs. 1000 (spend 1 lakh and get next year fee waiver)

You will get welcome gift of 1000 bonus reward points worth Rs. 300 every year.

Milestone Benefit

• 5,000 reward points on spending Rs. 3,00,000 in one year
• 7,500 Reward Points on spending Rs. 6,00,000 in one year

Other Benefits

• Earn 4 Reward Points on every Rs. 150 spent
• 1% fuel surcharge waived
• 2% foreign currency mark-up fee
• 15% discount on dining
• Protection worth up to Rs. 10 Lacs against any medical emergency when travelling outside home country