Best for · Travel · updated 2026-09-19

Best credit cards for airport lounge access in India

Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.

Best credit card for airport lounge access (Sept 2026): HDFC Bank Regalia – 12 domestic + 6 international/yr (no spend condition). Runners-up: Infinia Metal and Emeralde Private Metal. Ranked for someone who wants 12 domestic and 2 international lounge visits a year.

Standard profile
Scored for Airport lounge access profile · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 for airport lounge access

HDFC Bank Regalia credit card
HDFC BankVisa

Regalia

53
Net savings₹4,226/yr
Savings rate1.3%
Annual feeWaived ₹2,950
Lounge✈12 dom🌏6 intl

✓ Base rate 1.33% on other spends earns you about ₹3,866 a year on ₹2,90,640 of spend.

Details
HDFC Bank Infinia Metal credit card
HDFC BankVisa

Infinia Metal

52
Net savings₹4,460/yr
Savings rate1.4%
Annual feeYou pay ₹14,750
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.83% on other spends earns you about ₹5,644 a year on ₹1,99,440 of spend.

Details
ICICI Bank Emeralde Private Metal credit card
ICICI BankVisa

Emeralde Private Metal

52
Net savings₹4,273/yr
Savings rate1.3%
Annual feeYou pay ₹14,749
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.55% on other spends earns you about ₹5,086 a year on ₹1,99,440 of spend.

Details

All 80 cards ranked for airport lounge access

Cards ranked for airport lounge access
#CardScoreNet savings / yrUsable visits / yrAnnual feeLounge
1HDFC Bank Regalia credit cardRegaliaHDFC Bank53/100₹4,226
1.3% rate		12 dom · 2 intl
no spend condition		Waived ₹2,95012 domestic + 6 international/yr
2HDFC Bank Infinia Metal credit cardInfinia MetalHDFC Bank52/100₹4,460
1.4% rate		12 dom · 2 intl
no spend condition		You pay ₹14,750unlimited domestic + unlimited international/yr
3ICICI Bank Emeralde Private Metal credit cardEmeralde Private MetalICICI Bank52/100₹4,273
1.3% rate		12 dom · 2 intl
no spend condition		You pay ₹14,749unlimited domestic + unlimited international/yr
4Yes Bank Marquee credit cardMarqueeYes Bank46/100₹3,323
1.0% rate		12 dom · 2 intl
no spend condition		You pay ₹5,899unlimited domestic + 6 international/yr
5Axis Bank Burgundy Private credit cardBurgundy PrivateAxis Bank43/100₹4,000
1.2% rate		12 dom · 2 intl
no spend condition		Free for lifeunlimited domestic + unlimited international/yr
6HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank41/100₹1,276
0.4% rate		12 dom · 2 intl
no spend condition		You pay ₹2,95012 domestic + 6 international/yr
7Yes Bank RESERV credit cardRESERVYes Bank40/100₹955
0.3% rate		12 dom · 2 intl
no spend condition		You pay ₹2,35912 domestic + 4 international/yr
8ICICI Bank Sapphiro credit cardSapphiroICICI Bank36/100−₹2,317
-0.7% rate		12 dom · 2 intl
needs ₹75,000/quarter		You pay ₹4,13016 domestic + 8 international/yr
9HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank36/100−₹3,680
-1.1% rate		12 dom · 2 intl
no spend condition		You pay ₹11,800unlimited domestic + unlimited international/yr
10AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank35/100−₹565
-0.2% rate		12 dom · 2 intl
no spend condition		You pay ₹5,899unlimited domestic + 4 international/yr
11IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank35/100−₹3,881
-1.2% rate		12 dom · 2 intl
no spend condition		You pay ₹7,07912 domestic + 12 international/yr
12HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank32/100−₹909
-0.3% rate		12 dom · 2 intl
no spend condition		You pay ₹3,54012 domestic + 12 international/yr
13AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank26/100−₹3,322
-1.0% rate		12 dom · 2 intl
no spend condition		You pay ₹9,439unlimited domestic + 4 international/yr
14Axis Bank Olympus credit cardOlympusAxis Bank26/100−₹13,488
-4.1% rate		12 dom · 2 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
15HSBC HSBC Premier credit cardHSBC PremierHSBC26/100−₹16,689
-5.1% rate		12 dom · 2 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
16DBS Bank DBS Vantage credit cardDBS VantageDBS Bank25/100−₹4,319
-1.3% rate		12 dom · 2 intl
no spend condition		You pay ₹7,079unlimited domestic + 4 international/yr
17SBI Card AURUM credit cardAURUMSBI Card25/100−₹9,012
-2.8% rate		12 dom · 2 intl
no spend condition		You pay ₹11,799unlimited domestic + 16 international/yr
18ICICI Bank Emeralde credit cardEmeraldeICICI Bank25/100−₹9,440
-2.9% rate		12 dom · 2 intl
no spend condition		You pay ₹14,160unlimited domestic + unlimited international/yr
19American Express Platinum Charge credit cardPlatinum ChargeAmerican Express25/100−₹66,507
-20.4% rate		12 dom · 2 intl
no spend condition		You pay ₹70,800unlimited domestic + unlimited international/yr
20ICICI Bank Adani One ICICI Bank Signature credit cardAdani One ICICI Bank SignatureICICI Bank24/100−₹1,290
-0.4% rate		12 dom · 2 intl
needs ₹75,000/quarter		You pay ₹5,900unlimited domestic + 4 international/yr
21Kotak Mahindra Bank White Reserve credit cardWhite ReserveKotak Mahindra Bank24/100−₹11,357
-3.5% rate		12 dom · 2 intl
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
22ICICI Bank Times Black ICICI Bank credit cardTimes Black ICICI BankICICI Bank24/100−₹20,207
-6.2% rate		12 dom · 2 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
23Axis Bank Reserve credit cardReserveAxis Bank24/100−₹55,000
-16.8% rate		12 dom · 2 intl
no spend condition		You pay ₹59,000unlimited domestic + unlimited international/yr
24Axis Bank Magnus credit cardMagnusAxis Bank23/100−₹12,421
-3.8% rate		12 dom · 2 intl
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
25HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank52/100₹5,634
1.5% rate		8 dom · 2 intl
no spend condition		Waived ₹1,7698 domestic + 4 international/yr

Showing the top 25 of 80. Browse every card →

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for someone who wants 12 domestic and 2 international lounge visits a year. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

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Frequently asked questions

Which credit card is best for airport lounge access in India in Sept 2026?

HDFC Bank Regalia ranks first for airport lounge access on CardLens: 12 domestic + 6 international/yr (no spend condition). HDFC Bank Infinia Metal is second. The ranking is for a stated spend profile and changes with yours.

How does CardLens rank cards for airport lounge access?

We take the standard Indian cardholder profile, change it to reflect this use (for someone who wants 12 domestic and 2 international lounge visits a year), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.

Will my own answer be different?

Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.