Credit cards with airport lounge access, cheapest first
Lounge access is the benefit people switch cards for and the one most often priced badly. These are the cards that offer it, ordered by what a year costs.
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Published 22 September 2026
01 Scapia Federal Bank Credit Card
Annual fee Free Unlimited domestic visits a year
Cheapest of the lot: Scapia Federal Bank Credit Card gives Unlimited domestic lounge visits a year, for no annual fee. Zero forex markup on international spends, with unlimited domestic lounge access on spend. It charges no forex markup at all, which is rare on an Indian card. Issuers look for about ₹3 lakh of salaried income and a score near 730.
Source: Credsir credit card database · as of 21 September 2026
02 IndusInd Bank Tiger Credit Card
Annual fee Free 8 domestic visits a year
Next up, IndusInd Bank Tiger Credit Card gives 8 domestic lounge visits a year and 2 international, for no annual fee. 8 domestic and 2 international lounge visits a year with no spend condition. Forex markup is 3.5%, which matters on a card people take abroad. Issuers look for about ₹6 lakh of salaried income and a score near 750.
Source: Credsir credit card database · as of 21 September 2026
03 IDFC FIRST Select Credit Card
Annual fee Free 4 domestic visits a year
Also worth a look, IDFC FIRST Select Credit Card gives 4 domestic lounge visits a year, for no annual fee. Up to 10x reward points on high spends, on a lifetime-free card. Forex markup is 1.99%, which matters on a card people take abroad. Issuers look for about ₹4 lakh of salaried income and a score near 730.
Source: Credsir credit card database · as of 21 September 2026
04 AU Bank LIT Credit Card
Annual fee Free 4 domestic visits a year
Further along, AU Bank LIT Credit Card gives 4 domestic lounge visits a year, for no annual fee. Customisable — switch on only the benefit categories you want each quarter. Forex markup is 3.49%, which matters on a card people take abroad. Issuers look for about ₹3 lakh of salaried income and a score near 720.
Source: Credsir credit card database · as of 21 September 2026
05 Axis Bank ACE Credit Card
Annual fee ₹499 4 domestic visits a year
Mid-table here, Axis Bank ACE Credit Card gives 4 domestic lounge visits a year, for ₹499 a year — waived if you spend ₹200,000. 5% cashback on bill payments and recharges via Google Pay, 4% on Swiggy, Zomato and Ola. Issuers look for about ₹4 lakh of salaried income and a score near 720.
Source: Credsir credit card database · as of 21 September 2026
06 HPCL Super Saver ICICI Bank Credit Card
Annual fee ₹500 4 domestic visits a year
A step up in price, HPCL Super Saver ICICI Bank Credit Card gives 4 domestic lounge visits a year, for ₹500 a year — waived if you spend ₹150,000. Up to 6.5% value back on HPCL fuel, plus 5% on utility and grocery spends. The welcome benefit is activation bonus reward points. Issuers look for about ₹3 lakh of salaried income and a score near 720.
Source: Credsir credit card database · as of 21 September 2026
07 HDFC Bank Millennia Credit Card
Annual fee ₹1,000 8 domestic visits a year
Dearer again, HDFC Bank Millennia Credit Card gives 8 domestic lounge visits a year, for ₹1,000 a year — waived if you spend ₹100,000. 5% cashback on Amazon, Flipkart, Swiggy, Zomato and other partner merchants. The welcome benefit is 1,000 cashpoints. Issuers look for about ₹4 lakh of salaried income and a score near 720.
Source: Credsir credit card database · as of 21 September 2026
08 Tata Neu Infinity HDFC Bank Credit Card
Annual fee ₹1,499 8 domestic visits a year
Near the top end, Tata Neu Infinity HDFC Bank Credit Card gives 8 domestic lounge visits a year and 4 international, for ₹1,499 a year — waived if you spend ₹300,000. Up to 10% back in NeuCoins across Tata brands, plus UPI payments on RuPay. Forex markup is 2.0%, which matters on a card people take abroad. Issuers look for about ₹6 lakh of salaried income and a score near 730.
Source: Credsir credit card database · as of 21 September 2026
09 BPCL SBI Card Octane
Annual fee ₹1,499 4 domestic visits a year
Expensive, but loaded: BPCL SBI Card Octane gives 4 domestic lounge visits a year, for ₹1,499 a year — waived if you spend ₹200,000. 25 reward points per ₹100 at BPCL outlets — about 7.25% value back on fuel. The welcome benefit is 6,000 bonus reward points. Issuers look for about ₹4 lakh of salaried income and a score near 730.
Source: Credsir credit card database · as of 21 September 2026
10 HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 12 domestic visits a year
The most costly here: HDFC Bank Regalia Gold Credit Card gives 12 domestic lounge visits a year and 6 international, for ₹2,500 a year — waived if you spend ₹400,000. 4 reward points per ₹150, with 5x on Nykaa, Myntra, Marks & Spencer and Reliance Digital. The welcome benefit is gift voucher worth ₹2,500. Issuers look for about ₹12 lakh of salaried income and a score near 750.
Source: Credsir credit card database · as of 21 September 2026
Compare the whole field
Every card on the site, filtered by fee, reward rate and what you actually spend on.
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