Top 10 Best Credit Cards with Free Lounge Access in 2025

Travelling can be made more convenient and affordable with the right credit card, especially when it comes to essential benefits for frequent flyers. The complimentary lounge access to airports is one of the most common and essential benefits of credit cards. 

While travel-specific credit cards often come with this benefit, many all-rounder credit cards also include free lounge access as a bonus. But the number of free lounge visits per year may vary as per conditions associated, from one card to another. 

This blog lists the best credit cards with lounge access benefits in India, in 2025. 

Compare Top Credit Cards with Airport Lounge Access Benefits in India 2025

This section shall list down the best credit card options with lounge access features, in India. Both categories of credit cards, the travel-focused ones as well as the all-rounded ones, have been featured in the list. Take a look at our top contenders for the title of best credit card for lounge access:

Bank-wise Credit Card Details Offering Airport Lounge Access

Here is an overview of the various credit cards providing lounge access: 

Axis Atlas Credit Card

Annual Fee: ₹ 5,000

Joining Fee: ₹ 5,000

Lounge Access Features & Benefits:

The Axis Atlas credit card offers a tier-based model as per one's annual spending. It begins with a Silver Tier where ₹ 3Lakh or more is spent. The Gold Tier is achieved by spending ₹7.5 Lakh or more. Finally, the Platinum Tier is reserved for ones spending ₹ 15 Lakh or more per year. 

The lounge access feature varies across the various tiers:

• International Lounge: 4 visits for the Silver Tier, 6 visits for the Gold Tier and 12 visits for the Platinum Tier Cardholders per year. This is a common feature which lets credit card users avail free access to specific lounges at domestic as well as international airports.
• Domestic Lounge: 8 visits for the Silver Tier, 12 visits for the Gold Tier and 18 visits for the Platinum Tier Cardholders, per year.

Axis Bank Horizon Credit Card

Annual Fee: ₹ 3,000

Joining Fee: ₹ 3,000

Lounge Access Features & Benefits:

• 8 complimentary international lounge visits in a year (2 in a single quarter).
• 32 complimentary domestic lounge visits every year (8 in a quarter) for only Visa Signature cardholders.
• 24 complimentary domestic lounge visits each year (6 in a single quarter) for only Mastercard World cardholders.

IndusInd Bank Avios Visa Infinite Credit Card

Annual Fee: ₹ 10,000

Joining Fee: ₹ 40,000

Lounge Access Features & Benefits:

• 2 international lounge visits in each quarter alongside a complimentary Priority Pass membership.
• 2 complimentary domestic airport lounge visits in each quarter.

SBI Card Miles Elite

Annual Fee: ₹ 4,999

Joining Fee: ₹ 4,999

Lounge Access Features & Benefits:

• 8 complimentary domestic airport lounge visits in a year (a maximum of 2 visits allowed in a quarter).
• An additional benefit of a domestic lounge visit is granted upon spending ₹1 Lakh, with an upper limit set at 15 per year.
• Complimentary Priority Pass membership alongside 6 complimentary international lounge visits each year (a maximum of 2 visits in each quarter).

Scapia Federal Bank Credit Card

Annual Fee: None

Joining Fee: None

Lounge Access Features & Benefits:

• Unlimited access to domestic airport lounge on spending at least ₹ 5,000 per month.

Ixigo AU Credit Card

Annual Fee: None

Joining Fee: None

Lounge Access Features & Benefits:

• 16 complimentary visits to the domestic airport lounge per year.
• 1 complimentary international lounge visit in a year.
• 16 complimentary domestic railway lounge visits per year.

YES Bank Marquee Credit Card

Annual Fee: ₹ 4,999 (Will be waived off on annual spends of ₹ 10 Lakh)

Joining Fee: ₹ 9,999

Lounge Access Features & Benefits:

• 24 complimentary domestic lounge visits (6 in a quarter) per year for primary/add-on cardholders.
• Unlimited complimentary international lounge access for primary/add-on cardholders.
• 8 complimentary domestic/international lounge visits per year for guests.

HDFC Regalia Gold Credit Card

Annual Fee: ₹ 2,500 (Will be waived off if there is an annual spending of ₹ 4 Lakh)

Joining Fee: ₹ 2,500

Lounge Access Features & Benefits:

• 6 complimentary international airport lounge visits in a year via the Priority Pass for primary/add-on cardholders (if they complete at least 4 card transactions).
• 12 complimentary domestic airport lounge visits in a year.

AU Zenith+ Credit Card

Annual Fee: ₹ 4,999 (Will be waived off on spending of ₹ 8 Lakh per year)

Joining Fee: ₹ 4,999

Lounge Access Features & Benefits:

• 16 complimentary international visits to the airport lounge each year with the Priority Pass (a maximum of 4 visits each quarter).
• 16 complimentary domestic access to the airport lounge each year.

1. Axis Bank SELECT Credit Card

Annual Fee: ₹3,000 (Does not apply for Burgundy clients)

Joining Fee: ₹3,000 (Does not apply for Burgundy clients)

Lounge Access Features & Benefits:

• Complimentary Priority Pass membership in the 1st year, upon completing the first transaction within 30 days of issuing the card.
• 6 complimentary international lounge visits per year. 
• 6 complimentary international lounge visits, in addition, each year, on spending over ₹ 3 Lakh per year.
• 2 complimentary domestic airport lounge visits in a quarter on spending ₹ 50,000 within the past 3 months.

Final Word

Credit cards with lounge access ensure a luxurious travel experience, allowing cardholders to have a comfortable and relaxing time before boarding flights. With complimentary food, drinks and Wi-Fi facilities, these cards allow frequent travellers to unwind in more private spaces. By opting for the right card, you can enjoy exclusive lounge facilities enhancing the travel experience overall. 

Want lounge access without breaking your FD? Get a credit card against your fixed deposit and enjoy travel perks while your savings keep growing.