Collection · 40 cards · updated 2026-09-19

Credit cards with international lounge access

At least one complimentary international lounge visit a year (Priority Pass, Diners or Amex). Scored in rupees for the profile below – set up yours to re-rank.

International lounge access (Sept 2026): 40 of 119 cards qualify – at least one complimentary international lounge visit a year (Priority Pass, Diners or Amex). Best of them for this profile: ICICI Bank Emeralde Private Metal (score 81, ₹10,015 net a year), then Infinia Metal.

Standard profile
Scored for International lounge access profile · ₹47k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3

ICICI Bank Emeralde Private Metal credit card
ICICI BankVisa

Emeralde Private Metal

81
Net savings₹10,015/yr
Savings rate2.0%
Annual feeYou pay ₹14,749
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.55% on other spends earns you about ₹9,676 a year on ₹3,79,440 of spend.

Details
HDFC Bank Infinia Metal credit card
HDFC BankVisa

Infinia Metal

61
Net savings₹5,306/yr
Savings rate1.0%
Annual feeYou pay ₹14,750
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.83% on other spends earns you about ₹10,738 a year on ₹3,79,440 of spend.

Details
Axis Bank Burgundy Private credit card
Axis BankVisa

Burgundy Private

40
Net savings₹2,452/yr
Savings rate0.5%
Annual feeFree for life
Lounge✈∞ dom🌏∞ intl

✓ Base rate 1.5% on other spends earns you about ₹6,340 a year on ₹4,22,640 of spend.

Details

All 40 international lounge access

Credit cards with international lounge access
#CardScoreNet savings / yrUsable visits / yrAnnual feeLounge
1ICICI Bank Emeralde Private Metal credit cardEmeralde Private MetalICICI Bank81/100₹10,015
2.0% rate		4 dom · 6 intl
no spend condition		You pay ₹14,749unlimited domestic + unlimited international/yr
2HDFC Bank Infinia Metal credit cardInfinia MetalHDFC Bank61/100₹5,306
1.0% rate		4 dom · 6 intl
no spend condition		You pay ₹14,750unlimited domestic + unlimited international/yr
3Axis Bank Burgundy Private credit cardBurgundy PrivateAxis Bank40/100₹2,452
0.5% rate		4 dom · 6 intl
no spend condition		Free for lifeunlimited domestic + unlimited international/yr
4HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank37/100−₹3,122
-0.6% rate		4 dom · 6 intl
no spend condition		You pay ₹11,800unlimited domestic + unlimited international/yr
5Axis Bank Olympus credit cardOlympusAxis Bank26/100−₹9,312
-1.8% rate		4 dom · 6 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
6ICICI Bank Emeralde credit cardEmeraldeICICI Bank26/100−₹9,926
-2.0% rate		4 dom · 6 intl
no spend condition		You pay ₹14,160unlimited domestic + unlimited international/yr
7HSBC HSBC Premier credit cardHSBC PremierHSBC26/100−₹13,931
-2.7% rate		4 dom · 6 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
8ICICI Bank Times Black ICICI Bank credit cardTimes Black ICICI BankICICI Bank25/100−₹12,122
-2.4% rate		4 dom · 6 intl
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
9American Express Platinum Charge credit cardPlatinum ChargeAmerican Express25/100−₹62,691
-12.4% rate		4 dom · 6 intl
no spend condition		You pay ₹70,800unlimited domestic + unlimited international/yr
10Axis Bank Reserve credit cardReserveAxis Bank24/100−₹52,786
-10.4% rate		4 dom · 6 intl
no spend condition		You pay ₹59,000unlimited domestic + unlimited international/yr
11SBI Card AURUM credit cardAURUMSBI Card25/100−₹6,439
-1.3% rate		4 dom · 6 intl
no spend condition		You pay ₹11,799unlimited domestic + 16 international/yr
12IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank36/100−₹119
-0.0% rate		4 dom · 6 intl
no spend condition		You pay ₹7,07912 domestic + 12 international/yr
13HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank32/100−₹7,263
-1.4% rate		4 dom · 6 intl
no spend condition		You pay ₹3,54012 domestic + 12 international/yr
14RBL Bank World Safari credit cardWorld SafariRBL Bank60/100₹5,453
1.1% rate		4 dom · 6 intl
no spend condition		You pay ₹3,5408 domestic + 8 international/yr
15IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank56/100₹4,080
0.8% rate		4 dom · 6 intl
no spend condition		Waived ₹3,5398 domestic + 8 international/yr
16IDFC FIRST Bank FIRST Wealth credit cardFIRST WealthIDFC FIRST Bank48/100₹2,067
0.4% rate		4 dom · 6 intl
needs ₹20,000/month		Free for life8 domestic + 8 international/yr
17ICICI Bank MakeMyTrip ICICI Bank Signature credit cardMakeMyTrip ICICI Bank SignatureICICI Bank40/100₹3,084
0.6% rate		4 dom · 6 intl
needs ₹75,000/quarter		Waived ₹2,9508 domestic + 8 international/yr
18ICICI Bank Sapphiro credit cardSapphiroICICI Bank37/100−₹7,951
-1.6% rate		4 dom · 6 intl
needs ₹75,000/quarter		You pay ₹4,13016 domestic + 8 international/yr
19Kotak Mahindra Bank White Reserve credit cardWhite ReserveKotak Mahindra Bank25/100−₹13,355
-2.6% rate		4 dom · 6 intl
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
20Axis Bank Magnus credit cardMagnusAxis Bank24/100−₹14,941
-2.9% rate		4 dom · 6 intl
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
21IndusInd Bank Avios Visa Infinite credit cardAvios Visa InfiniteIndusInd Bank23/100−₹3,438
-0.7% rate		0 dom · 6 intl
needs ₹1,50,000/quarter		You pay ₹5,9000 domestic + 8 international/yr
22HDFC Bank Regalia credit cardRegaliaHDFC Bank71/100₹7,372
1.5% rate		4 dom · 6 intl
no spend condition		Waived ₹2,95012 domestic + 6 international/yr
23HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank69/100₹6,872
1.4% rate		4 dom · 6 intl
no spend condition		Waived ₹2,95012 domestic + 6 international/yr
24Yes Bank Marquee credit cardMarqueeYes Bank58/100₹5,249
1.0% rate		4 dom · 6 intl
no spend condition		You pay ₹5,899unlimited domestic + 6 international/yr
25SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card47/100₹2,806
0.6% rate		4 dom · 6 intl
no spend condition		You pay ₹5,8998 domestic + 6 international/yr
26Axis Bank SELECT credit cardSELECTAxis Bank37/100−₹4,333
-0.9% rate		4 dom · 6 intl
needs ₹50,000/quarter		You pay ₹3,5408 domestic + 6 international/yr
27SBI Card SBI Card MILES ELITE credit cardSBI Card MILES ELITESBI Card36/100−₹6,798
-1.3% rate		4 dom · 6 intl
no spend condition		You pay ₹5,8998 domestic + 6 international/yr
28HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank52/100₹4,086
0.7% rate		4 dom · 4 intl
no spend condition		Waived ₹1,7698 domestic + 4 international/yr
29SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card49/100₹3,240
0.6% rate		4 dom · 4 intl
no spend condition		Waived ₹3,5398 domestic + 4 international/yr
30AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank42/100₹4,140
0.8% rate		4 dom · 4 intl
no spend condition		Waived ₹9,439unlimited domestic + 4 international/yr
31Yes Bank RESERV credit cardRESERVYes Bank39/100₹947
0.2% rate		4 dom · 4 intl
no spend condition		Waived ₹2,35912 domestic + 4 international/yr
32Federal Bank Celesta credit cardCelestaFederal Bank35/100−₹3,317
-0.7% rate		4 dom · 4 intl
no spend condition		Waived ₹3,5408 domestic + 4 international/yr
33HSBC HSBC TravelOne credit cardHSBC TravelOneHSBC34/100−₹2,654
-0.5% rate		4 dom · 4 intl
no spend condition		You pay ₹5,8996 domestic + 4 international/yr
34ICICI Bank Adani One ICICI Bank Signature credit cardAdani One ICICI Bank SignatureICICI Bank32/100₹2,162
0.4% rate		4 dom · 4 intl
needs ₹75,000/quarter		Waived ₹5,900unlimited domestic + 4 international/yr
35AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank32/100−₹1,768
-0.3% rate		4 dom · 4 intl
no spend condition		You pay ₹5,899unlimited domestic + 4 international/yr
36IndusInd Bank Pinnacle credit cardPinnacleIndusInd Bank30/100₹1,897
0.4% rate		0 dom · 4 intl
needs ₹5,00,000/quarter		Free for life0 domestic + 4 international/yr
37Axis Bank Atlas credit cardAtlasAxis Bank30/100₹1,199
0.2% rate		4 dom · 4 intl
no spend condition		You pay ₹5,9008 domestic + 4 international/yr
38Axis Bank Horizon credit cardHorizonAxis Bank22/100−₹1,441
-0.3% rate		4 dom · 4 intl
no spend condition		You pay ₹3,5408 domestic + 4 international/yr
39DBS Bank DBS Vantage credit cardDBS VantageDBS Bank22/100−₹6,416
-1.3% rate		4 dom · 4 intl
no spend condition		You pay ₹7,079unlimited domestic + 4 international/yr
40HSBC HSBC Live+ credit cardHSBC Live+HSBC85/100₹11,871
2.3% rate		2 dom · 1 intl
no spend condition		Waived ₹1,1792 domestic + 1 international/yr

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

More collections

Lifetime-free cardsFree cards with lounge accessRuPay UPI cardsZero-forex cardsLow-forex cardsLounge access, no spend conditionUnlimited lounge accessAll 119 cards →

Frequently asked questions

Which credit card is best for international lounges?

ICICI Bank Emeralde Private Metal leads for a traveller wanting 6 international visits a year. International access runs through Priority Pass, Diners Club or Amex programmes rather than the bank app used domestically.

Are these scores the same as on the card pages?

Scores depend only on the profile, never on filters. This page uses a profile tuned to the collection (stated above), so scores can differ from the standard-profile ones on /cards.