By Ankur Mittal
Updated On January 10, 2022

Most people nowadays compare credit cards not only on the basis of credit limits but also based on the benefits that they provide. To attract more & more customers, credit card issuers offer additional benefits and rewards on their cards. One of the most exclusive benefits provided by credit cards is the complimentary airport lounge access. As most people of this generation love to travel and to explore more and more places, credit cards with international airport lounge access have become a great choice for them. In order to make the international travel experience of their customers even more luxurious, credit cards offer complimentary airport lounge access without any additional charges. Now if you don’t know what international lounges are, International lounges are the extra comfort restrooms at the international airports, where only selected individuals (people with some memberships/frequent flyers/traveling in business or first class or cards providing lounge access) are allowed to visit. Even with a membership like Priority Pass, Dream folks, etc, you may need to pay a usage fee every time you visit the lounges. But, if any credit card is providing free airport lounge access, then you can avail yourself of all the benefits at the airport lounges for free.

Accessing the airport lounge for free using your credit card is a hassle-free and easy process. You just need to visit the airport from where you are going to take your flight and ask the receptionist to provide you with the lounge that is provided with your credit card. For verification, you will have to complete a bit of documentation. If you have a MasterCard then a refundable fee of Rs. 25 will be charged and if you have a Visa credit card then a non-refundable fee of Rs. 2 only will be charged and you will be given the lounge. You can avoid that noisy environment at the airport and enjoy all the facilities that are available there in the lounge. In this article, you will everything about different  international airport lounge access programs and the list of best free international lounge access credit cards:

List of Best Credit Cards with Free International Lounge Access

With a lot of credit cards in the market, many individuals find it very challenging to choose the right credit card for them. Moreover, different card issuers partner with different lounge programs to provide their customers with free access to airport lounges in India and outside. To help you understand the difference between these programs and choose the right credit card for yourself, we are here with the list of best credit cards for international lounge access:

Credit Cards providing International Lounge Access with Priority Pass

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 AMEX Platinum Credit Card is one of the most premium credit cards issued by American Express. It comes with exclusive benefits over different categories, including travel, dining, lifestyle, etc. Targeting the audience who believe in a rich & luxurious lifestyle, the card has the following key features:

  • Up to 5 Reward Points on every Rs. 100 you spend.
  • Welcome bonus of 1,00,000 bonus membership RPs.
  • Free access to airport lounges in India and outside.
  • A discount of up to 50% on dining at over 1,800 premium restaurants.
Axis Bank Burgundy Private Credit Card

Welcome Benefits

30,000 edge Reward Points

Rewards Rate

15 Edge Reward Points per Rs. 200 spent.

Joining Fees

Rs. 50,000 (Nil for individuals holding a Burgundy Private account)

The Axis Bank Burgundy Private Credit Card is a card for super-rich individuals with exclusive rewards & benefits to fulfill the luxury requirements of its customers. It is absolutely free for Burgundy Private account holders and an annual fee is charged for others. Following are some most exclusive benefits of the card:

  • 15 Edge RPs on every Rs. 200 you spend.
  • Unlimited complimentary domestic as well as international airport lounge access for primary & add-on cardholders.
  • 12 guest visits every year to both international & domestic lounges each.
  • Buy 1 get 1 Free offer on movies on BookMyShow.
Invite Only
HDFC Infinia Credit Card Metal Edition

Welcome Benefits

10,000 bonus Reward Points and free 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. 12,500 (plus applicable taxes)

The HDFC Bank Infinia Credit Card comes with all the exciting features & benefits that one might be looking for. Targeting high-income individuals, the card provides all the benefits keeping their requirements in mind. Following is a list of a few features of this card:

  • 5 RPs on every Rs. 150 you spend.
  • Welcome gift of 10,000 bonus Reward Points.
  • Unlimited complimentary airport lounge access.
  • Access to unlimited golf games.
  • Exclusive dining benefits with the Good Food Trail Program.
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 a premium card that is best suited for people who travel frequently as it comes with exclusive travel benefits, including unlimited complimentary airport lounge access. Other than travel, the following are the exciting benefits provided by this card:

  • Welcome bonus of 2,500 Reward Points.
  • Up to 2 RPs on every Rs. 100 you spend, where 1 RP = 4 AirMiles.
  • Benefits worth Rs. 1000 form ITC hotels/Tai groups every year.
  • Exclusive Insurance benefits.
Yes Bank First Exclusive Credit Card

Welcome Benefits

40,000 Reward Points on first transaction done within 90 days of card set up date.

Rewards Rate

6 Reward Points for every Rs. 200 spent on Select category, 12 Reward Points for every Rs. 200 spent on all purchases except from the Select category and 1000 Reward Points on each Yes PayNow registration.

Joining Fees

Rs. 9,999 (plus applicable taxes)

The YES First Exclusive Credit Card is a super-premium credit card with one of the lowest interest rates in the market. Being the best-suited card for high-income individuals, the card provides its customers with various benefits keeping their luxury requirements in mind. A list of some of its key features includes:

  • A chance to earn 40,000 bonus Reward Points as a welcome benefit.
  • 30,000 bonus RPs every year on card renewal.
  • Up to 12 RPs every Rs. 200 you spend.
  • Exclusive discount offers on movies on BookMyShow.
  • Unlimited complimentary international airport lounge access.
Axis Bank Miles & More Credit Card

Welcome Benefits

15,000 miles on Axis Bank Miles & More Select Credit Card and 5,000 miles on Axis Bank Miles & More World Credit Card

Rewards Rate

6 award miles per Rs. 200 spent with Axis Bank Miles & More Select Credit Card and 4 award miles per Rs. 200 spent with Axis Bank Miles & More World Credit Card

Joining Fees

Rs. 10,000 (plus applicable taxes) for Axis Bank Miles & More Select Credit Card and Rs. 3,500 (plus applicable taxes) for Axis Bank Miles & More World Credit Card

The Axis Bank Miles & More Credit Card comes with 2 variants which are: Axis Bank Miles & More Select Credit card and Axis Bank Miles & More World Credit card. Both of these variants have their own benefits with Select being more premium than the World. The card comes with exciting benefits and rewards offers which are as mentioned below:

  • Up to 15,000 bonus Miles as a welcome gift.
  • Up to 6 Miles on every Rs. 200 you spend.
  • Complimentary Priority Pass membership with up to 4 free airport lounge access.
  • A discount of 15% or more on dining.
  • Insurance coverage worth up to 4.5 Crores.
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

Axis Bank Magnus Credit Card is a unique card offered by Axis Bank to provide its customers with all the luxury & lifestyle benefits. With this card you can earn up to 24 Reward Points on every Rs. 200 you spend on your card. Other than its reward offers, the following are the benefits that the card comes with:

  • Welcome gift vouchers worth Rs. 10,000.
  • Up top 25% off on dining across several participating restaurants.
  • A discount of up to Rs. 500 on movies on BookMyShow.
  • Spend-based annual fee waiver.
  • Complimentary airport lounge access.
Axis Bank Select Credit Card

Welcome Benefits

Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance.

Rewards Rate

10 EDGE Points per Rs. 200 spent and 20 EDGE Points per Rs. 200 spent on retail shopping.

Joining Fees

Rs. 3,000 (plus applicable taxes)

The Axis Bank Select Credit Card comes with great reward offers as it earns you up to 20 Reward Points on every Rs. 100 you spend. With this card, you get various other benefits, such as a welcome bonus, complimentary lounge access, exclusive discounts on dining, and many more. A list of its advantages include:

  • Welcome gift of complimentary Amazon Prime membership and gift vouchers worth Rs. 2000.
  • Complimentary Priority Pass membership and airport lounge access.
  • Up to Rs. 300 off on movie tickets on BookMyShow.
  • 6 complimentary rounds of golf every year.
  • Spend-based annual fee waiver.
SBI Elite Credit card

Welcome Benefits

E 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 aimed at providing exclusive reward offers & benefits to its customers in order to allow them to save more and more on their spends. Some of the key features of this card are as mentioned below:

  • 2 Reward Points on every Rs. 100 spent.
  • Welcome gift vouchers worth Rs. 5,000.
  • Up to 50,000 bonus RPs every year on the basis of your annual spends.
  • Complimentary domestic/international airport lounge access.
  • Exciting discount offers on movies.
Club Vistara SBI Card Prime

Welcome Benefits

1 complimentary Premium Economy class ticket as a gift voucher on payment of the joining/renewal fee.

Rewards Rate

4 CV (Club Vistara) points/Rs, 200 on all spends, including fuel purchases.

Joining Fees

Rs. 2,999 (plus applicable taxes)

As suggested by the name, the Club Vistara SBI Card Prime is a co-branded credit card issued in partnership with Club Vistara. This card earns you rewards in the form of Club Vistara points that can be redeemed against travel-related bookings. Other than this, the card has various other advantages, such as:

  • 1 complimentary economy class ticket as a welcome/renewal benefit every year.
  • 3,000 bonus CV points on the basis of your spends within the first 90 days.
  • Up to 5 free economy class tickets every year.
  • Complimentary Priority Pass membership with free airport lounge access.
Indusind Bank Indulge Credit Card

Welcome Benefits

Rewards Rate

1.5 Reward Points for every Rs. 100 spent using the card

Joining Fees

Rs. 2,00,000 (no annual fee applicable) or Rs. 1,00,000 (Rs. 10,000 annual fee applicable in this case)

The IndusInd Bank Indulge Credit Card is a super premium credit card that comes with great reward offerings across several categories, including travel, dining, lifestyle, etc. Being the first credit card with 22K gold inlay, it solely targets the people who believe in having a luxurious lifestyle. Following are some of the main advantages of this card:

  • 1.5 Reward Points on every Rs. 100 you spend.
  • Buy 1 get 1 free offer on movie tickets on BookMyShow.
  • Complimentary Priority Pass membership with free domestic/international lounge visits.
  • Insurance benefits worth up to Rs. 2.5 crores.
Standard Chartered Emirates World Credit Card

Welcome Benefits

4,000 bonus miles

Rewards Rate

3 Skywards miles on every Rs. 150 spent, 6 Skywards miles on every Rs. 150 spent on Emirates.com.

Joining Fees

Rs. 3,000

The Standard Chartered Emirates World Credit Card is a co-branded credit card issued in partnership with emirates.com. The card rewards you in the form of air miles and provides various other exclusive benefits to its customers. The key features of this card include:

  • 4,000 bonus miles as a welcome gift.
  • Up to 6 skyward miles every Rs. 150 you spend.
  • Complimentary domestic/international airport lounge access.
  • A cashback of 5% on duty-free shopping.
  • Insurance benefits worth up to Rs. 1 crore.
RBL-Bank-INSIGNIA-PREFERRED-BANKING-WORLD-CARD

Welcome Benefits

Rewards Rate

5 Reward Points per Rs. 100 spent on domestic transactions, 10 Reward Points per Rs. 100 spent on international transactions.

Joining Fees

Nil

The RBL Bank Insignia Preferred Banking World Credit Card is a card that is exclusively made for the RBL Bank’s insignia preferred members. With this card, you can earn up to 10 Reward Points on every Rs. 100 you spend. Moreover, it comes with benefits over almost all the categories, such as travel, lifestyle, etc. Some of its additional benefits are:

  • Travel benefits worth up to Rs. 30,000 on achieving the milestone spend.
  • Complimentary Priority Pass membership.
  • Complimentary domestic/international airport lounge access.
  • A discount of up to Rs. 500 on movie ticket bookings on BookMyShow.
  • 1 complimentary golf lesson every month.
Kotak-Privy-League-Signature-Credit-Card

Welcome Benefits

Rewards Rate

5X reward points on select retail shopping spends and 2X points on all other spends on the shopper’s plan; 5X reward points on travel spends and 2X points on all other spends on the traveler’s plan

Joining Fees

Rs. 2,500 + GST (for paid variant), Nil for the free variant

The Kotak Privy League Signature Credit Card is exclusively offered to privy customers by the Kotak Mahindra Bank. With this card, you can earn up to 5X Reward Points on every Rs. 100 you spend, where 1 Reward Point = Rs. 0.25. Other than its exclusive reward offers, the card has various other benefits, such as:

  • You can choose your own plan between the shopper’s plan and the traveler’s plan with this card.
  • 6,400 bonus RPs every quarter on the basis of your spends.
  • Complimentary domestic/international airport lounge access.
  • Fuel & railway surcharge waiver.
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 is among the most popular credit cards issued by the HDFC Bank. With its great reward offers and exclusive benefits, this card has become a good choice for lots of individuals out there. The card comes with great benefits over categories, such as travel, lifestyle, etc. The key features of the HDFC Regalia Credit Card are as follows:

  • Welcome bonus of 2,500 reward points.
  • An opportunity to earn 15,000 bonus RPs every year on achieving the milestone spend.
  • Free airport lounge access to airport lounges in India and outside.
  • Low foreign currency markup fee.
  • Insurance benefits worth up to 1 crore.

Diners Club Credit Cards with International Airport Lounge Access

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 Black Credit Card is another super-premium credit card issued by the HDFC Bank like that of the HDFC bank Infinia Credit Card. It comes with great reward programs and exclusive benefits over almost all the categories that one expects from a credit card. The most significant features of this card are:

  • Up to 10X Reward Points on every Rs. 150 you spend.
  • Complimentary Amazon Prime, Times Prime, and Zomato gold membership as a welcome benefit.
  • Complimentary domestic/international airport lounge access.
  • Complimentary access to 6 golf games every quarter.
  • Low foreign currency markup fee.
HDFC Diners Club Privilege Credit Card

Welcome Benefits

Complimentary membership of Amazon Prime, Big Basket Star, MakeMyTrip Black Elite Tier, Zomato Pro, Times Prime Smart with HDFC Diners Club Privilege credit card

Rewards Rate

4 Reward Points on every Rs 150 spent, reward rate of up to 1.33%

Joining Fees

Rs. 2,500 (plus applicable taxes)

The HDFC bank Diners Club Privilege Credit Card welcomes its customers with various complimentary memberships, such as Amazon prime, Times Prime, etc. With a nominal joining/annual fee, the card provides several exclusive reward offers & benefits to its customers, some of which are:

  • Up to 8 RPs on every rs. 150 you spend.
  • Complimentary domestic/international airline lounge access.
  • Low foreign currency markup fee.
  • Insurance benefits worth up to Rs. 1 crore.
HDFC Bank Diners Club Miles

Welcome Benefits

1,000 Reward Points on paying the annual membership fee.

Rewards Rate

4 Reward Points on spending Rs. 150

Joining Fees

Rs. 1,000 (plus applicable taxes)

The HDFC Bank Diners Club Miles Credit Card is best suited for frequent flyers as it comes with exclusive travel benefits. Along with that, the card can earn you 4 RPs on every Rs. 150 you spend. More of the benefits of this card are as follows:

  • 1,000 bonus RPs as a welcome gift.
  • A discount of up to 15% on dining.
  • Complimentary access to airport lounges (In India and Outside) to over 1,000 leading lounges.
  • Insurance benefits worth up to Rs. 1 Crore.
  • A 1% fuel surcharge waiver.

Credit Cards providing International Lounge Access with Lounge Key membership

Indusind Bank Pioneer Heritage Credit Card

Welcome Benefits

Oberoi e-gift voucher and a Luxe Gift card.

Rewards Rate

2.5 Reward Points on every Rs 100 spent on international transactions and 1 Reward Points on every Rs 100 spent on domestic transactions.

Joining Fees

Rs 90,000 + GST

The IndusInd Bank Pioneer Heritage Credit Card is a premium card offered by the IndusInd bank, which comes in two variants: IndusInd Bank Pioneer heritage 7 IndusInd Bank Pioneer Heritage Metal Credit Card. Both of the variants have their own fees & charges and benefits. Following is a list of some of the key features of this card:

  • Welcome benefit of Oberoi e-gift vouchers & luxe gift cards.
  • Up to 2.5 Reward Points on every Rs. 100 you spend.
  • A discount of up to Rs. 3,000 on dining.
  • Complimentary domestic/international airport lounge access.
  • Insurance benefits worth up to Rs. 2.5 crores.
Invite Only
Yes Private Credit Card

Welcome Benefits

25,000 Reward Points on the first transaction

Rewards Rate

3 Reward Points per Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends.

Joining Fees

Rs. 50,000 (plus applicable taxes) for Yes Private Credit Card, Rs. 20,000 (plus applicable taxes) for Yes Private Prime Credit Card

The YES Private Credit Card is one of the most unique credit cards issued by the YES Bank. With this card, you can earn up to 3 Reward Points on every Rs. 100 you spend, where 1 RP = Re. 1. Other than that, the comes with various travel, lifestyle, and other benefits, some of which are as mentioned below:

  • 25,000 bonus Reward Points as a welcome gift.
  • Unlimited free airport lounge access to domestic/international airports.
  • Complimentary Lounge Key membership.
  • Complimentary access to 12 golf lessons every year.
  • Low-interest rates & low foreign currency markup fee.
Indusind-Bank-Crest-Credit-Card

Welcome Benefits

Rewards Rate

2.5 Reward Points on every Rs. 100 spent on international transactions and 1 Reward Point on every 100 spent on domestic transactions

Joining Fees

Rs. 2,00,000 (nil annual fee in this case), Rs. 1,00,000 (Rs. 10,000 annual fee applicable in this case)

The IndusInd bank Crest Credit Card comes with exciting reward offers and benefits over an array of categories, including travel, lifestyle, entertainment, etc. Following is a list of a few key features of this card:

  • Up to 2.5 Reward Points on every Rs. 100 you spend.
  • Savings of up to 20% on dining.
  • Complimentary airport lounge access.
  • 12 complimentary golf lessons and 12 complimentary golf rounds every year.
  • Up to 3 free movie tickets worth up to Rs. 700 each every month.
  • Insurance benefits worth up to Rs. 2.5 crores.
HSBC Premier MasterCard Credit Card

Welcome Benefits

Complimentary Epicure membership and one night stay at Taj hotels.

Rewards Rate

2 Reward Points for every Rs. 100 spent using the card.

Joining Fees

Nil

The HSBC Premier Mastercard Credit Card comes with exclusive reward programs and benefits over several other categories, including travel for the HSBC premier relationship customers. It earns you 2 Reward Points on every Rs. 100 you spend, which are redeemable against various products and categories, such as shopping vouchers, product catalog, etc. A list of the benefits of this card includes:

  • Exclusive discount at selected golf courses in Indian and a no. of complimentary golf rounds.
  • Complimentary domestic/international airport lounge access.
  • A 1% fuel surcharge waiver.

Credit Cards providing International Lounge Access with Dreamfolks membership

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 comes with two variants, which are: Mastercard variant and the American Express variant. Both of the variants have their own advantages. The card earns you up to 4 PAYBACK Points on every Rs. 100 you spend, which means you save 1% on all your spends. It has several other benefits, some of which are:

  • A discount of up to Rs. 750 on movie tickets four times a month.
  • 15% or more discount on dining.
  • Complimentary access to international airport lounges.
  • Low foreign currency markup fee.
  • Insurance benefits worth up to Rs. 3 Crore.
ICICI Bank Sapphiro Credit Card

Welcome Benefits

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

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 & Visa variant.

Joining Fees

Rs. 6,500 (plus applicable taxes)

The ICICI Bank Sapphiro Credit Card is another credit card issued by the ICICI Bank with two variants: American Express & Mastercard, both of them having their own privileges. With this card, you can earn up to 6 Payback Points on every Rs. 100 you spend. Moreover, the card comes with an array of additional benefits, some of which are as mentioned below:

  • Welcome gift vouchers worth more than Rs. 9,000.
  • An opportunity to earn 20,000 bonus PAYBACK Points every year on achieving the milestone spend.
  • Exciting discount offers on movies through BookMyShow.
  • 4 complimentary golf sessions each month.
  • Get free access to international lounges.
InterMiles ICICI Bank Sapphiro Credit Card

Welcome Benefits

1 year InterMiles Silver Tier membership with 10,000 bonus InterMiles, a discount of Rs. 750 on flight bookings and Rs. 1,500 on hotel bookings (AmEx variant), a discount of Rs. 500 on flight bookings and Rs. 1,000 on hotel reservations (Visa variant).

Rewards Rate

5 InterMiles/Rs. 100 on domestic and 7 InterMiles/Rs. 100 on international spends (AmEx variant), 4 InterMiles/Rs. 100 domestic and 5 InterMiles/Rs. 100 on international spends (Visa variant), Accelerated InterMiles on bookings on the InterMiles official website

Joining Fees

Rs. 5,000 (plus applicable taxes)

The Intermiles ICICI Bank Sapphiro Credit Card is a co-branded card issued by the bank in partnership with InterMiles frequent flyers program. With this card, you can earn up to 12.5 Intermiles on every Rs. 100 you spend. It has various benefits over other categories., including travel, some of which are:

  • Discount of up to Rs. 2,250 as a welcome benefit.
  • Complimentary domestic/international airport lounge access.
  • Complimentary DreamFolks lounge membership.
  • Up to Rs. 500 off on movie tickets on BookMyShow.
  • Exclusive discount offers on dining.
IDFC FIRST Wealth Credit Card

Welcome Benefits

Gift Vouchers worth Rs. 500 and a 5% cashback on the first EMI transaction performed within 90 days of card set-up.

Rewards Rate

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

Joining Fees

Nil

The IDFC FIRST Wealth Credit Card is a credit card with no annual fee and various exclusive benefits, such as reward programs, travel benefits, lifestyle benefits, and many more. Here is a list of the benefits that you can avail of with this card:

  • Up to 10 Reward Points on every Rs. 100 you spend, where 1 RP = Re. 0.25.
  • Gift vouchers worth Rs. 500 as a welcome benefit.
  • Up to 2 complimentary golf rounds every month.
  • Free airport lounge access to domestic as well as international airports.
  • Low foreign currency markup fee.

Annual Fees & Lounge Benefits

Credit Card Annual Fee International Lounge Access Domestic Lounge Access International Lounge Access for add-on cardholders
American Express Platinum Credit Card Rs. 60,000 Unlimited Unlimited Unlimited (only for 1 add-on cardholder)
HDFC Bank Infinia Credit Card Rs. 10,000 Unlimited Unlimited Unlimited
Citi Prestige Credit Card Rs. 20,000 Unlimited Unlimited Unlimited
YES First Exclusive Credit Card Rs. 9,999 Unlimited 3 per quarter Unlimited
Axis Bank Miles & More Credit Card Rs. 10,000 (for select variant)
Rs. 3,000 (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)
NA
Axis Bank Magnus Credit Card Rs. 10,000 8 per year Unlimited 8 per year
Axis Bank Select Credit Card Rs. 3,000 6 per year 8 per year NA
SBI Card ELITE Rs. 4,999 6 per year 8 per year NA
Club Vistara SBI Card Prime Rs. 2,999 4 per year 8 per year NA
IndusInd Bank Indulge Credit Card Nil (with a joining fee of Rs. 2 lakhs)
10,000 (with a joining fee of Rs. 1 lakh)
2 per quarter 4 per quarter NA
Standard Chartered Emirates World Credit Card Rs. 3,000 2 per month (on spending over Rs. 10,000 in the previous month) 2 per month (on spending over Rs. 10,000 in the previous month) NA
RBL Bank Insignia Preferred Banking World Card Nil 6 per year 8 per year
Kotak Privy League Signature Credit Card Rs. 2,500 (for paid variant)
Nil (for free variant)
4 per year Complimentary domestic lounge access under Visa lounge program NA
HDFC Regalia Credit Card Rs. 2,500 6 per year 12 per year 6 per year
HDFC Bank Diners Club Black Credit Card Rs. 10,000 Unlimited Unlimited Unlimited
HDFC Bank Diners Club Privilege Credit Card Rs. 2,500 Up to 12 per year Up to 12 per year Up to 12 per year
HDFC Bank Diners Club Miles Credit Card Rs. 1,000 Up to 6 per year Up to 6 per year NA
Indusind Bank Pioneer Heritage Credit Card Rs. 90,000 Unlimited (on Pioneer Heritage Metal card)
8 per year (on Pioneer Heritage Credit Card)
Unlimited(on Pioneer Heritage Metal card)
8 per year (on Pioneer Heritage Credit Card)
NA
YES Private Credit Card Rs. 50,000 Unlimited Unlimited Unlimited
Indusind Bank Crest Credit Card Nil (with a joining fee of Rs. 2 lakhs)
Rs. 10,000 (with a joining fee of Rs. 1 lakh)
2 per quarter Complimentary domestic lounge access through the Mastercard lounge program. NA
HSBC Premier Mastercard Credit Card Nil 2 per year 6 per year
ICICI Bank Emeralde Credit Card Rs. 12,000 Unlimited Unlimited NA
ICICI Bank Sapphiro Credit Card Rs. 3,500 2 per year 4 per quarter
Intermiles ICICI Bank Sapphiro Credit Card Rs. 5,000 2 per year 4 per quarter
IDFC FIRST Wealth Credit Card Nil Up to 4 per quarter Up to 4 per quarter

Difference Between Various Lounge Access Programs

There are several lounge access programs that allow you to access airport lounges with a specific annual membership fee. Here are 4 most popular of them:

Priority Pass Diners Club Dreamfolks Program LoungeKey Program
  • It is the largest independent lounge access program in the world.
  • It has access to over 1,300 airport lounges globally.
  • A card company & card network that offers several benefits like airport lounge access on its cards.
  • In India, it offers credit cards in partnership with HDFC Bank.
  • Access to over 1,000 airport lounges worldwide.
  • What makes Diners Club unique is that you can access lounges directly with your credit card.
  • It is an Indian company that recently started providing lounge access directly. Earlier Dreamfolks was providing lounge access in partnership with Dragonpass.
  • It has access to over 1,000 lounges all over the world, though we have seen they have better availability in the Asian region.
  • It is an airport lounge program providing lounge access with Mastercard credit cards.
  • Access to over 1,100 airport lounges worldwide.

How To Apply For Credit Cards With Free Airport Lounge Access?

You can apply for an international airport lounge access credit card online as well offline as per your convenience. The application process for these cards is very similar to that of other credit cards. To apply offline, you can simply visit your nearest branch and fill in the physical application form to apply for a credit card of your choice. Make sure to take all the required documents, including Identity proof, address proof, income proof, etc, with you. If you want to apply for a credit card with international airport lounge access, you will have to visit the card issuer’s official website and find & select the credit cards option. Then you can choose a credit card of your choice and fill in the online application form for it. You can also upload all the required documents online and track your application status.

Bottom Line

If you travel internationally very often, you must have one of the above credit cards so that you can avoid that noisy environment at the airport for free. Generally, it becomes costly when you access airport lounges through a lounge program’s membership and then you also have to pay for every lounge visit and that’s why airport lounge access provided by credit cards is among the most attractive benefits provided by credit cards. Before choosing one, it is advisable for you to compare all the cards wisely keeping the annual fees & other benefits in mind, and then apply for the one that suits you the best. Also, make sure to go through the terms and conditions of the card carefully as most of the cards offer complimentary airport lounge access to primary cardholders only so you may need to pay for others who are traveling with you. Or, you can get credit cards for airport lounge access that offer free access to supplementary cardholders and guests as well.

So, let us know which of these cards are you going to apply for? If you already have one of these, do share your experience with us and other readers in the comment section below.

FAQs:

Yes, the HSBC Premier Mastercard Credit Card, RBL Bank Insignia Preferred Banking World Card, and the IDFC FIRST Wealth Credit Card are the credit cards that come with no annual fee and provide complimentary international airport lounge access.

If you exceed the no. of complimentary lounge access, then you will have to pay a usage fee of US $27 to visit an airport lounge.

No, you get the complimentary lounge access with the Standard Chartered Emirates World Credit Card only on spending Rs. 10,000 in the previous month.

Yes, currently only the HDFC Bank is issuing Diners Club Credit Cards in India.

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