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, complimentary lounge access is provided by credit cards in order to make their travel experience even more luxurious without any additional charges. In this article, we have come up with some of the top credit cards with international lounge access.
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International lounges are the extra comfort restrooms at the international airports, where only selected individuals (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 complimentary international lounge access, then you can avail yourself of all the benefits at the airport lounges for free.
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|
1,00,000 Membership Rewards Points or Taj, SeleQtions, and Vivanta Hotels’ vouchers worth Rs. 45,000.
1 Membership Rewards Point on every Rs. 40, 3X Points on all international spends, and 5X Rewards Points on transactions via Reward Multiplier portal.
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:
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:
10,000 bonus Reward Points and Complimentary Club Marriott membership for first year.
5 Reward Points for every Rs. 150 spent, reward rate of up to 3.3%
Rs. 10,000 (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:
2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.
1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.
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:
40,000 Reward Points on first transaction done within 90 days of card set up date.
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.
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:
15,000 miles on Axis Bank Miles & More Select Credit Card and 5,000 miles on Axis Bank Miles & More World Credit Card
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
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:
Choose any one- Tata Cliq voucher or a complimentary domestic flight ticket worth Rs. 10,000.
12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 2X Points on MakeMyTrip, Yatra, Goibibo, etc.
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:
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:
Gift voucher worth Rs. 5,000 from any one of Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop
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%)
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:
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:
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:
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:
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:
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
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:
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:
Complimentary Club Marriott, Amazon Prime, Zomato Gold, Forbes, Times Prime, and MMTDOUBLEBLACK memberships for a year.
5 Reward Points for every Rs. 150 spent (reward rate of up to 3.3%), accelerated Reward Points on SmartBuy
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:
Complimentary membership of Amazon Prime, Big Basket Star, MakeMyTrip Black Elite Tier, Zomato Pro, Times Prime Smart with HDFC Diners Club Privilege credit card
4 Reward Points on every Rs 150 spent, reward rate of up to 1.33%
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:
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 Reward Points on every Rs. 150 you spend. More of the benefits of this card are as follows:
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:
25,000 Reward Points on the first transaction
3 Reward Points per Rs. 100 on international spends, 2 Reward Points per Rs. 100 on domestic spends.
Rs. 50,000 + GST
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:
2.5 Reward Points on every Rs. 100 spent on international transactions and 1 Reward Point on every 100 spent on domestic transactions
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:
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:
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
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:
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.
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.
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:
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).
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
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:
Gift Vouchers worth Rs. 500 and a 5% cashback on the first EMI transaction performed within 90 days of card set-up.
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.
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:
|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)
|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)
|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|
If you are a frequent flyer, you must have one of the above credit cards so that you can avoid that noisy environment at the airport for free. 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. If you already have one of these, do share your experience with us and other readers in the comment section below.
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 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.