By Ankur Mittal
Updated On September 22, 2021

Credit Cards nowadays offer various exclusive benefits to their customers along with the credit limit because this is what attracts customers the most. Everyone wants a credit card with the most benefits and reward offers. And complimentary airport lounge access is one of the most luxurious and exciting benefits that credit cards provide. However, some of the credit cards with domestic lounge access are super-premium cards targeting high-income individuals and some of them are basic cards that are affordable for everyone. We are here to categorize all the top credit cards providing domestic lounge access so that it can be easier for you to choose the best credit card for yourself:

Top Credit Cards With Unlimited Domestic Lounge Access

American Express Platinum Credit Card

American Express Platinum Card

Welcome Benefits

1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.

Rewards Rate

1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.

Joining Fees

Rs. 60,000 (plus applicable taxes)

The American Express Platinum Credit Card is among the super-premium cards issued by American Express that comes with several exclusive benefits over different categories, including travel, lifestyle, rewards, etc. One of the greatest features of this card includes the airport lounge access provided by it. More of its benefits include:

  • 1,00,000 bonus Membership Reward Points as a welcome gift.
  • Complimentary EazyDiner Prime membership.
  • 3X Membership Reward Points on international spends.
  • 5X Membership Reward Points on Rewards multiplier portal.
  • Up to a 50% discount at over 1800 premium restaurants.
  • Complimentary access to more than 1,200 lounges worldwide.

 

HDFC Bank Infinia Credit Card

Invite Only

Welcome Benefits

10,000 bonus Reward Points and Complimentary Club Marriott membership for first year.

Rewards Rate

5 Reward Points for every Rs. 150 spent,  reward rate of up to 3.3%

Joining Fees

Rs. 10,000 (plus applicable taxes)

The HDFC Bank Infinia Credit Card is the most premium card issued by the HDFC Bank that targets the customers who aim to have a luxurious lifestyle. With all its exclusive benefits and reward offers, the card becomes a significant choice for lots of people out there. Other than complimentary lounge access, the following are some additional key features of the card:

  • Complimentary Club Marriott Membership as a welcome gift.
  • Welcome bonus of 10,000 Reward Points.
  • Complimentary Dineout Passport Membership.
  • 10X Reward Points on shopping and travel spends on Smartbuy portal.

 

Citi Prestige Credit Card

Citi Prestige Credit Card

Welcome Benefits

2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.

Rewards Rate

1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.

Joining Fees

Rs. 20,000 (plus applicable taxes)

Citi Prestige Credit card is also a premium credit card issued by Citibank that comes with exciting reward offers and benefits in order to give the best rewarding experience to its customers. Along with providing unlimited domestic lounge access, this card has lots of other advantages as well. Following are some of them:

  • 2,500 bonus Reward Points as a welcome gift.
  • 2X Reward Points on international spends.
  • Benefits worth Rs. 10,000 every year from Taj group.
  • Exclusive concierge services.
  • Insurance benefits worth up to the US $50,000.

 

ICICI Bank Emeralde Credit Card

ICICI Bank Emeralde Credit Card

Welcome Benefits

N/A

Rewards Rate

4 PAYBACK points on every Rs. 100 spent on all transactions (except fuel, utilities and insurance categories) and 1 PAYBACK point on every Rs. 100 spent on utilities and insurance

Joining Fees

Rs. 1,000 (plus applicable taxes) for monthly plan, Rs. 12,000 (plus applicable taxes) for annual plan

The ICICI Bank Emeralde Credit Card targets individuals having high net worth who believe in having a luxurious lifestyle no matter where they go. To fulfill all the requirements of its customers, this card comes with exclusive benefits over an array of categories. The list of benefits of this card really goes long, but here are some of its key features:

  • A discount of 15% or more on dining.
  • Trident hotel gift vouchers worth Rs. 7,500 on your birthday.
  • Exciting discount offers on movie tickets on BookMyShow.
  • Up to 15% off on gym membership.
  • An insurance coverage worth Rs. 3 crore in case of an air accident.

 

HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card

Welcome Benefits

Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.

Rewards Rate

5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy

Joining Fees

Rs. 10,000 (plus applicable taxes)

The HDFC Bank Diners Club Credit Card comes with a range of benefits over travel, lifestyle, reward offers, etc. The unlimited domestic airport lounge access provided by this card is among its greatest features, but this is not all you get from this card. More of the benefits of the HDFC Bank Diners Club Black Credit Card include:

  • Complimentary memberships of Zomato Pro, Amazon Prime, Times Prime, etc.
  • Earn gift vouchers from TataCliq, BookMyShow every year on the basis of your annual spends.
  • 10X Reward Points on shopping & travel bookings on SmartBuy.
  • 2X Reward Points on dining on weekends.

 

Axis Bank Magnus Credit Card

Axis Bank Magnus Credit Card

Welcome Benefits

Choose any one- Tata Cliq voucher or a complimentary domestic flight ticket worth Rs. 10,000.

Rewards Rate

12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 2X Points on MakeMyTrip, Yatra, Goibibo, etc.

Joining Fees

Rs. 10,000 + GST

The Axis Bank Magnus Credit Card is a card with unique features over various categories allowing its customers to avail of maximum benefits along with saving on all their spends. The card offers rewards on almost all the categories and various such benefits that one looks for in a credit card. Following are some of the additional benefits of this card:

  • Get a TataCliq gift voucher worth Rs. 10,000 every year.
  • Exclusive discount offers on Oberoi Hotel stays.
  • Up to Rs. 500 off on movie tickets on BookMyShow.
  • Complimentary Dine Out Passport membership.
  • Exclusive insurance benefits.
  • Spend-based annual fee waiver.

 

BoB Eterna Credit Card

Bank of Baroda Eterna Credit Card

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.

Rewards Rate

15 reward points / Rs. 100 on online shopping, travel, movie, and dining spends (max cap of 5,000 points at this rate), 3 reward points/ Rs. 100 for spends on all other categories.

Joining Fees

Rs. 2,499 + GST

Issued by the Bank of Baroda, the BoB ETERNA Credit Card is the most premium credit card issued by the bank with an aim to provide its customers with exclusive benefits over several categories, including travel, reward programs, lifestyle, etc. Following is a list of some of the key features of this card:

  • Complimentary FitPass pro membership as a welcome gift.
  • Accelerated Reward Points on selected categories, such as travel, dining, entertainment, etc.
  • Up to 20,000 bonus Reward Points, every year on achieving the milestone spend.
  • Spend-based annual/joining fee waiver.
  • 1% fuel surcharge waiver.

 

Annual Fee & Lounge Benefits

Credit Card Annual Fee Domestic Lounge Access International Lounge Access
American Express Platinum Credit Card Rs. 60,000 Unlimited Unlimited
HDFC Bank Infinia Credit Card Rs. 10,000 Unlimited Unlimited
Citi Prestige Credit Card Rs. 20,000 Unlimited Unlimited
ICICI Bank Emeralde Credit Card Rs. 12,000 Unlimited Unlimited
HDFC Bank Diners Club Black Credit Card Rs. 10,000 Unlimited Unlimited
Axis Bank Magnus Credit Card Rs. 10,000 Unlimited 8 every year
BoB Eterna Credit Card Rs. 2,499 Unlimited NA

Top Credit Cards With Limited Domestic Lounge Access

American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card

Welcome Benefits

10,000 Membership Rewards Points

Rewards Rate

2 Membership Rewards Points for every Rs. 100 spent.

Joining Fees

Rs. 3,500 (plus applicable taxes)

As suggested by its name, the American Express Platinum Travel Credit comes with exciting travel benefits along with various other key features. With this card, you earn 1 membership reward point for every Rs. 50 you spend. The card has several other benefits as well, some of which are:

  • 10,000 membership reward points as a welcome gift.
  • Complimentary Priority Pass membership.
  • Complimentary airport lounge access.
  • A discount of up to 20% on dining in selected restaurants.
  • Up to 25,000 bonus membership reward points every year on achieving the milestone spend.

 

SBI Card ELITE

SBI Elite Credit card

Welcome Benefits

Gift voucher worth Rs. 5,000 from any one of  Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Rewards Rate

2 Reward Points on every Rs. 100 on all spending except fuel (reward rate of 0.5%), 5X Reward Points on dining, departmental stores and grocery spends (reward rate of 2.5%)

Joining Fees

Rs. 4,999 (plus applicable taxes)

The SBI ELITE Credit Card is a premium card offered by the SBI card in order to provide its customers with almost all the benefits one might be looking to have with a credit card. Along with its regular Reward Points, you can earn up to 50,000 additional Reward Points each year on achieving the milestone spend. More of the benefits of this card include:

  • Welcome gift vouchers worth Rs. 5,000.
  • 5X Reward Points on selected categories, such as groceries, departmental stores, dining, etc.
  • A discount of up to Rs. 250 every month on movie tickets.
  • Complimentary airport lounge access every year.
  • Complimentary access to golf games.
  • An opportunity to earn up to 50,000 bonus Reward Points every year.
  • Low foreign currency markup fee.

 

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Welcome Benefits

N/A

Rewards Rate

5% cashback on bill payments & recharges via Google Pay, 4% cashback on Zomato, Swiggy & Ola, 2% cashback on all other spends.

Joining Fees

Rs. 499 + GST

Axis Bank ACE Credit Card comes with exciting cashback programs offering up to 5% cashback on all your spends. Other than its cashback offers, it provides several exclusive benefits, some of which are as mentioned below:

  • A cashback of 5% on bill payments using Google Pay.
  • A cashback of 4% on Zomato, Swiggy, etc.
  • Complimentary airport lounge access.
  • Spend-based joining/annual fee waiver.
  • Up to 1 20% discount on dining.

 

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card

Welcome Benefits

2,500 Reward points

Rewards Rate

4 reward points on every spend of Rs. 150.

Joining Fees

Rs. 2,500 (plus applicable taxes)

The HDFC Regalia Credit Card comes with a range of luxurious benefits and reward offers to provide its customers with the benefits over different categories in one card. Not only the airport lounge access, but you also get exciting discounts on dining, reward points on almost all your spends, welcome benefits, insurance benefits, etc. The list of benefits provided by this card includes:

  • Welcome bonus of 2,500 Reward Points.
  • Exclusive Dine out Passport membership.
  • 4 Reward Points on every spend of Rs. 150.
  • Complimentary airport lounge access.
  • Insurance coverage up to Rs. 1 Crore.
  • Low foreign currency markup fee.

 

Citi PremierMiles Credit Card

Citibank PremierMiles Credit Card

Welcome Benefits

10,000 Miles on the spends of Rs. 1,000 or more in the first 2 months of card issuance.

Rewards Rate

10 Miles/Rs. 100 spent for airline transactions and 4 Miles/Rs. 100 spent for all other transactions.

Joining Fees

Rs. 3,000 (plus applicable taxes)

The Citi PremierMiles Credit Card is one of the best credit cards issued in the category of travel in India. The card has various benefits over different categories, such as travel, reward offer, lifestyle, etc. The card rewards you in the form of air miles that can be redeemed against over 100 Airlines. More of the benefits of this card include:

  • Up to 10 Air miles per Rs. 100 you spend.
  • 10,000 bonus Air miles as a welcome gift.
  • Complimentary airport lounge access.
  • 3,000 bonus Air miles each year on card renewal.
  • A discount of up to 20% on dining at partner restaurants.

 

ICICI Bank Sapphiro Credit Card

ICICI Bank Sapphiro Credit Card

Welcome Benefits

Get exclusive travel & shopping gift vouchers worth more than Rs. 9,000 and get a cashback of Rs. 750 on spending Rs 20,000 within 60 days of issuance of the Sapphiro AmEx card.

Rewards Rate

On every Rs. 100 spent, get 6 PAYBACK Points on international purchases & 3 PAYBACK Points on domestic purchases through the AmEx variant and get 4 PAYBACK Points on international purchases & 2 PAYBACK Points on domestic purchases through the Mastercard variant.

Joining Fees

Rs. 6,500 (plus applicable taxes)

The ICICI Bank Sapphiro Credit Card comes with two variants – American Express & Mastercard, both of them having their own exciting privileges. With this card, you can enjoy great reward programs, travel benefits, and various other key features. Some of its additional benefits are:

  • Travel & shopping vouchers worth Rs. 9,000 or more as a welcome benefit.
  • Up to 6 Payback Points per Rs. 100 you spend.
  • Up to 20,000 bonus Reward points every year under its milestone benefits.
  • 50% extra Reward Points on the AMEX variant.
  • Complimentary airport lounge access.
  • Spend-based annual fee waiver.

 

SBI Card Prime

SBI Prime Credit Card

Welcome Benefits

Gift voucher worth Rs. 3,000 from any one of Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com

Rewards Rate

10 Reward Points per Rs. 100 on dining, groceries, departmental stores and movie spends, 2 Reward Points per Rs. 100 on all other retail spends

Joining Fees

Rs. 2,999 (plus applicable taxes)

The SBI Prime Credit Card earns you up to 20 Reward Points on your regular spends. Other than its great Reward programs, you get various other exclusive benefits with this card. Following are a few of them:

  • A welcome gift voucher worth Rs. 3,000.
  • Pizza hut e-vouchers worth Rs. 1,000 every quarter based on your spends.
  • Complimentary airport lounge access.
  • Spend-based annual fee waiver.
  • Complimentary Club Vistara Silver membership.
  • Access to 4 complimentary golf games every year.

 

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card

Welcome Benefits

Welcome benefit worth Rs. 2,500 on card issuance, benefit of up to Rs. 900 on Gaana app (Gaana Plus membership worth Rs. 1,299 for Rs. 399), discounts and cashback on first transaction on Myntra, The Phy Life and Plum Goodness

Rewards Rate

5% cashback on Flipkart and Myntra, 4% cashback on prefered partners (Swiggy, Uber, PVR and cure.fit) and 1.5% cashback on all other spends.

Joining Fees

Nil

The Flipkart Axis Bank Credit Card is a co-branded credit card issued by Axis Bank in partnership with Flipkart to allow its customers to avail of exciting benefits over different categories, including shopping, travel, lifestyle, etc. With this card, you can earn up to 5% cashback on your spends on Flipkart & Myntra. Following are more of the benefits of this card:

  • Gift voucher worth Rs. 500 from Flipkart as a welcome gift.
  • Complimentary airport lounge access.
  • Up to 5% cashback on your spends.
  • A discount of 50% on the first transaction on Swiggy.
  • Spend-based annual fee waiver.

 

HDFC Bank Diners Club Premium

HDFC Bank Diners Club Premium Credit Card

Welcome Benefits

2,500 bonus Reward Points

Rewards Rate

4 Reward Points on every retail spend of Rs. 150. Savings of up to 1.3% on all your spends through this card

Joining Fees

Rs. 2,500 (plus applicable taxes)

As its name suggests, the HDFC Bank Diners Club Premium Credit Card is a premium card issued by the HDFC bank to let its customers avail of benefits over an array of categories with a single card. You earn 4 reward points on every Rs. 150 you spend and 10X reward points for your spends on international purchases. Here is a list of some additional benefits of the card

  • 2,500 bonus Reward Points as a welcome gift.
  • Complimentary airport lounge access.
  • Reward points redeemable against products & vouchers, air miles, flight/hotel bookings, and cashback.
  • Air accident insurance coverage worth Rs. 1 Crore.
  • Spend-based annual fee waiver.

 

Annual Fee & Lounge Benefits

card-categories/credit-cards-domestic-lounge-access/ T2

Credit Card Annual Fee Domestic Lounge Access International Lounge Access
American Express Platinum Travel Credit Card Rs. 5,000 4 per year NA
SBI Card ELITE Rs. 4,999 8 per year 6 per year
Axis Bank ACE Credit Card Rs. 499 4 per year NA
ICICI Bank Sapphiro Credit Card Rs. 3,500 16 per year 2 per year
HDFC Bank Regalia Credit Card Rs. 2,500 12 per year 6 per year
Citi PremierMiles Credit Card Rs. 3,000 6 per year (with Mastercard variant)
8 per year (with Visa variant)
NA
SBI Card Prime Rs. 2,999 8 per year 4 per year
Flipkart Axis Bank Credit Card Rs. 500 4 per year NA
HDFC Bank Diners Club Premium Rs. 2,500 Up to 6 per year Up to 6 per year

No Annual Fee Credit Cards With Domestic Lounge Access

IDFC First SELECT Credit Card

IDFC First Select Credit Card

Welcome Benefits

Gift voucher worth Rs. 500 based on spends within 90 days of card issuance and a 5% cashback on EMI transactions within 90 days of card issuance.

Rewards Rate

3 Reward Points per Rs. 100 spent offline, 6 Reward Points per Rs. 100 spent online, and 10 Reward Points per Rs. 100 on spends above Rs. 20,000.

Joining Fees

Nil

The IDFC First SELECT Credit Card is one of the best credit cards you can have without any annual fee. The card offers several exclusive benefits to its customers, including complimentary airport lounge access. Moreover, you can earn up to 10 reward points per Rs. 100 you spend on this card. More of its benefits include:

  • Gift vouchers worth Rs. 500 as a welcome gift.
  • Low-interest rates.
  • Low foreign currency markup fee.
  • Complimentary airport lounge access.
  • Accident coverage worth Rs. 5 lakhs.

 

PNB RuPay Platinum Credit Card

PNB RuPay Platinum Credit Card

Welcome Benefits

300 Reward Points

Rewards Rate

1 Reward Points per Rs. 100 spent

Joining Fees

Rs. 500

The PNB RuPay Platinum Credit Card is another affordable credit card with exclusive reward offers and travel benefits. The card is absolutely free to have if you use it once in a quarter. With this card, you save 0.5% on all your spends in the form of Reward Points. Moreover, the card has several benefits that attract individuals to have it. Some of its benefits are:

  • 300 bonus Reward points as a welcome gift.
  • Reward Points redeemable at a rate of 1 RP = Re. 0.50.
  • Complimentary airport lounge access.
  • 1% fuel surcharge waiver.

 

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card

Welcome Benefits

Amazon Voucher worth Rs. 500, 3 complimentary lounge access/3 meal vouchers, 50% discount (up to Rs.100) on the first transaction on google pay, and 10% cashback (upto Rs. 2,000).

Rewards Rate

Earn 2 reward points on every Rs. 150 spent on this card.

Joining Fees

Nil

The HSBC Visa Platinum Credit Card is a card with no joining/annual fee that welcomes its customers with great discount offers & other benefits. You get a 50% discount on your first transaction on google pay, 3 complimentary airport lounge access, and an Amazon voucher worth Rs. 500 as a welcome gift. Moreover, the benefits of this card include:

  • 5X Reward Points on achieving the milestone spend.
  • Buy 1 get 1 free offer on movies.
  • Rewards points redeemable at a rate of 1 RP = Up to Re. 0.37.
  • Insurance coverage worth Rs. 3 lakhs.

 

Annual Fee & Lounge Benefits

Credit Card Annual Fee Domestic Lounge Access International lounge Access
IDFC First SELECT Credit Card Nil 16 per year NA
PNB RuPay Platinum Credit Card Nil Up to 2 per year Up to 2 per year
HSBC Visa Platinum Credit Card Nil 3 complimentary domestic lounge access as an introductory offer NA

What Is A Complimentary Domestic Lounge Access?

Airport lounges are the comfort rooms where you can take a rest if you reach the airport a few hours earlier than your flight. Domestic airport lounges are the lounges at airports that allow you to travel within the same country. Complimentary domestic lounge access means resting on domestic airport lounges for free. However, getting complimentary domestic lounge access is not that easy. In general, you need to pay for the usage of airport lounges along with an annual membership fee. But, if you get complimentary lounge access through credit cards or any other way, then you can avail of all the lounge benefits for free.

Why You Should Have A Credit Card Providing Lounge Access?

If you love traveling or if you have to travel frequently, it is always advisable to get a credit card providing complimentary domestic lounge access to have extra luxurious travel experiences for free. If you don’t have one such credit card and you want to access an airport lounge, it might be costly. For example, if you enroll in a Priority Pass membership, you will have to pay an annual membership fee of US$ 99 and a usage fee of US $27 every time you visit an airport lounge. Now you might have understood how beneficial it is to have a credit card with complimentary domestic lounge access rather than applying for annual membership to access lounges.

Bottom Line

Having a credit card with complimentary domestic lounge access can be proved as a very good decision to avoid that noisy environment at airports when you reach early. So, if you are a frequent flyer, you should indeed apply for a travel credit card or a credit with domestic lounge access to have a more luxurious travel experience for free.

FAQs:

No, the 3 complimentary domestic lounge access are provided by the HSBC Visa Platinum Credit Card as a welcome benefit only.

Yes, the BoB ETERNA Credit Card that comes with an annual fee of Rs. 2,499, provides unlimited complimentary domestic lounge access.

No, the complimentary Priority Pass membership just means that you don’t need to pay the annual membership fee, but you will still be charged a usage fee every time you access the lounge using your Priority Pass.

Comments

Subscribe
Notify of
guest
0 Comments
Inline Feedbacks
View all comments

Add cards to start comparing

Compare Cards