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.
01
INVESTING
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.
02
INVESTING
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.
03
INVESTING
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.
04
INVESTING
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.
05
INVESTING
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.
06
INVESTING
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.
07
INVESTING
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.
08
INVESTING
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.
09
INVESTING
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.
10
INVESTING
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.
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Fees, reward rates and benefits are from credsir's own card database, checked on 21 September 2026. Issuers change fees and reward structures without much notice and a card's terms can…
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