Collection · 60 cards · updated 2026-09-19

Credit cards with lounge access and no spend condition

Complimentary domestic lounge visits that do not depend on hitting a quarterly spend. Scored in rupees for the profile below – set up yours to re-rank.

Lounge access, no spend condition (Sept 2026): 60 of 119 cards qualify – complimentary domestic lounge visits that do not depend on hitting a quarterly spend. Best of them for this profile: HDFC Bank Infinia Metal (score 52, ₹4,460 net a year), then Emeralde Private Metal.

Standard profile
Scored for Lounge access, no spend condition profile · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3

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
Standard Chartered Ultimate credit card
Standard CharteredVisa

Ultimate

48
Net savings₹2,947/yr
Savings rate0.9%
Annual feeYou pay ₹5,900
Lounge✈∞ dom

✓ Base rate 3.3% on other spends earns you about ₹8,007 a year on ₹2,42,640 of spend.

Details

All 60 lounge access, no spend condition

Credit cards with lounge access and no spend condition
#CardScoreNet savings / yrUsable visits / yrAnnual feeLounge
1HDFC Bank Infinia Metal credit cardInfinia MetalHDFC Bank52/100₹4,460
1.4% rate		8 dom
no spend condition		You pay ₹14,750unlimited domestic + unlimited international/yr
2ICICI Bank Emeralde Private Metal credit cardEmeralde Private MetalICICI Bank52/100₹4,273
1.3% rate		8 dom
no spend condition		You pay ₹14,749unlimited domestic + unlimited international/yr
3Standard Chartered Ultimate credit cardUltimateStandard Chartered48/100₹2,947
0.9% rate		8 dom
no spend condition		You pay ₹5,900unlimited domestic/yr
4Yes Bank Marquee credit cardMarqueeYes Bank46/100₹3,323
1.0% rate		8 dom
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		8 dom
no spend condition		Free for lifeunlimited domestic + unlimited international/yr
6HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank36/100−₹3,680
-1.1% rate		8 dom
no spend condition		You pay ₹11,800unlimited domestic + unlimited international/yr
7AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank35/100−₹565
-0.2% rate		8 dom
no spend condition		You pay ₹5,899unlimited domestic + 4 international/yr
8AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank26/100−₹3,322
-1.0% rate		8 dom
no spend condition		You pay ₹9,439unlimited domestic + 4 international/yr
9Axis Bank Olympus credit cardOlympusAxis Bank26/100−₹13,488
-4.1% rate		8 dom
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
10HSBC HSBC Premier credit cardHSBC PremierHSBC26/100−₹16,689
-5.1% rate		8 dom
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
11DBS Bank DBS Vantage credit cardDBS VantageDBS Bank25/100−₹4,319
-1.3% rate		8 dom
no spend condition		You pay ₹7,079unlimited domestic + 4 international/yr
12SBI Card AURUM credit cardAURUMSBI Card25/100−₹9,012
-2.8% rate		8 dom
no spend condition		You pay ₹11,799unlimited domestic + 16 international/yr
13ICICI Bank Emeralde credit cardEmeraldeICICI Bank25/100−₹9,440
-2.9% rate		8 dom
no spend condition		You pay ₹14,160unlimited domestic + unlimited international/yr
14American Express Platinum Charge credit cardPlatinum ChargeAmerican Express25/100−₹66,507
-20.4% rate		8 dom
no spend condition		You pay ₹70,800unlimited domestic + unlimited international/yr
15Kotak Mahindra Bank White Reserve credit cardWhite ReserveKotak Mahindra Bank24/100−₹11,357
-3.5% rate		8 dom
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
16ICICI Bank Times Black ICICI Bank credit cardTimes Black ICICI BankICICI Bank24/100−₹20,207
-6.2% rate		8 dom
no spend condition		You pay ₹23,600unlimited domestic + unlimited international/yr
17Axis Bank Reserve credit cardReserveAxis Bank24/100−₹55,000
-16.8% rate		8 dom
no spend condition		You pay ₹59,000unlimited domestic + unlimited international/yr
18Axis Bank Magnus credit cardMagnusAxis Bank23/100−₹12,421
-3.8% rate		8 dom
no spend condition		You pay ₹14,750unlimited domestic + 8 international/yr
19Yes Bank ELITE+ credit cardELITE+Yes Bank50/100₹3,314
1.0% rate		8 dom
no spend condition		Waived ₹1,17916 domestic/yr
20HDFC Bank Regalia credit cardRegaliaHDFC Bank53/100₹4,226
1.3% rate		8 dom
no spend condition		Waived ₹2,95012 domestic + 6 international/yr
21HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank41/100₹1,276
0.4% rate		8 dom
no spend condition		You pay ₹2,95012 domestic + 6 international/yr
22Yes Bank RESERV credit cardRESERVYes Bank40/100₹955
0.3% rate		8 dom
no spend condition		You pay ₹2,35912 domestic + 4 international/yr
23IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank35/100−₹3,881
-1.2% rate		8 dom
no spend condition		You pay ₹7,07912 domestic + 12 international/yr
24HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank32/100−₹909
-0.3% rate		8 dom
no spend condition		You pay ₹3,54012 domestic + 12 international/yr
25Axis Bank Privilege credit cardPrivilegeAxis Bank57/100₹5,286
1.6% rate		8 dom
no spend condition		Waived ₹1,7708 domestic/yr
26HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank56/100₹5,634
1.5% rate		8 dom
no spend condition		Waived ₹1,7698 domestic + 4 international/yr
27Kotak Mahindra Bank Zen Signature credit cardZen SignatureKotak Mahindra Bank54/100₹4,483
1.4% rate		8 dom
no spend condition		Waived ₹1,7708 domestic/yr
28Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank53/100₹4,687
1.4% rate		8 dom
no spend condition		Waived ₹1,7708 domestic/yr
29American Express Platinum Travel credit cardPlatinum TravelAmerican Express50/100₹4,386
1.3% rate		8 dom
no spend condition		You pay ₹5,9008 domestic/yr
30SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card50/100₹3,474
1.1% rate		8 dom
no spend condition		Waived ₹3,5398 domestic + 4 international/yr
31Punjab National Bank PNB RuPay Select credit cardPNB RuPay SelectPunjab National Bank48/100₹2,716
0.7% rate		8 dom
no spend condition		Waived ₹5908 domestic/yr
32HDFC Bank Regalia First credit cardRegalia FirstHDFC Bank48/100₹2,685
0.8% rate		8 dom
no spend condition		Waived ₹1,1808 domestic/yr
33SBI Card SBI Card PULSE credit cardSBI Card PULSESBI Card48/100₹2,610
0.8% rate		8 dom
no spend condition		Waived ₹1,7698 domestic/yr
34Axis Bank Atlas credit cardAtlasAxis Bank45/100₹5,033
1.5% rate		8 dom
no spend condition		You pay ₹5,9008 domestic + 4 international/yr
35Kotak Mahindra Bank Royale Signature credit cardRoyale SignatureKotak Mahindra Bank45/100₹1,706
0.5% rate		8 dom
no spend condition		Waived ₹1,1798 domestic/yr
36RBL Bank World Safari credit cardWorld SafariRBL Bank39/100₹803
0.2% rate		8 dom
no spend condition		You pay ₹3,5408 domestic + 8 international/yr
37Axis Bank Horizon credit cardHorizonAxis Bank36/100₹2,393
0.7% rate		8 dom
no spend condition		You pay ₹3,5408 domestic + 4 international/yr
38IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank36/100−₹341
-0.1% rate		8 dom
no spend condition		You pay ₹3,5398 domestic + 8 international/yr
39Federal Bank Celesta credit cardCelestaFederal Bank36/100−₹773
-0.2% rate		8 dom
no spend condition		You pay ₹3,5408 domestic + 4 international/yr
40SBI Card SBI Card MILES ELITE credit cardSBI Card MILES ELITESBI Card35/100−₹3,651
-1.1% rate		8 dom
no spend condition		You pay ₹5,8998 domestic + 6 international/yr
41SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card34/100−₹117
-0.0% rate		8 dom
no spend condition		You pay ₹5,8998 domestic + 6 international/yr
42RBL Bank Icon credit cardIconRBL Bank34/100−₹4,327
-1.3% rate		8 dom
no spend condition		You pay ₹5,9008 domestic/yr
43American Express Platinum Reserve credit cardPlatinum ReserveAmerican Express34/100−₹9,014
-2.8% rate		8 dom
no spend condition		You pay ₹11,8008 domestic/yr
44SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card32/100−₹686
-0.2% rate		8 dom
no spend condition		You pay ₹5,8998 domestic/yr
45HSBC HSBC TravelOne credit cardHSBC TravelOneHSBC33/100−₹2,330
-0.7% rate		6 dom
no spend condition		You pay ₹5,8996 domestic + 4 international/yr
46Bank of Baroda BOBCARD ETERNA credit cardBOBCARD ETERNABank of Baroda54/100₹6,687
2.0% rate		4 dom
no spend condition		Waived ₹2,9494 domestic/yr
47AU Small Finance Bank LIT credit cardLITAU Small Finance Bank51/100₹6,439
2.0% rate		4 dom
no spend condition		Free for life4 domestic/yr
48Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered51/100₹6,193
1.9% rate		4 dom
no spend condition		Waived ₹4134 domestic/yr
49SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card50/100₹5,355
1.6% rate		4 dom
no spend condition		Waived ₹1,7694 domestic/yr
50Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda47/100₹4,597
1.4% rate		4 dom
no spend condition		Waived ₹5894 domestic/yr
51Bank of Baroda BOBCARD TIARA credit cardBOBCARD TIARABank of Baroda47/100₹4,527
1.4% rate		4 dom
no spend condition		Waived ₹2,9494 domestic/yr
52ICICI Bank HPCL Super Saver ICICI Bank credit cardHPCL Super Saver ICICI BankICICI Bank46/100₹4,342
1.3% rate		4 dom
no spend condition		Waived ₹5904 domestic/yr
53HDFC Bank Tata Neu Plus HDFC Bank credit cardTata Neu Plus HDFC BankHDFC Bank44/100₹3,876
1.0% rate		4 dom
no spend condition		Waived ₹5894 domestic/yr
54Axis Bank MY ZONE credit cardMY ZONEAxis Bank43/100₹2,943
0.9% rate		4 dom
no spend condition		Waived ₹5904 domestic/yr
55Bank of Baroda BOBCARD PREMIER credit cardBOBCARD PREMIERBank of Baroda42/100₹3,138
1.0% rate		4 dom
no spend condition		Waived ₹1,1804 domestic/yr
56Axis Bank Rewards credit cardRewardsAxis Bank41/100₹2,660
0.8% rate		4 dom
no spend condition		Waived ₹1,1804 domestic/yr
57HDFC Bank Times Platinum credit cardTimes PlatinumHDFC Bank40/100₹2,415
0.7% rate		4 dom
no spend condition		Waived ₹1,1804 domestic/yr
58AU Small Finance Bank ixigo AU credit cardixigo AUAU Small Finance Bank37/100₹2,022
0.5% rate		4 dom
no spend condition		Waived ₹1,1794 domestic/yr
59Axis Bank Samsung Axis Bank credit cardSamsung Axis BankAxis Bank35/100₹980
0.3% rate		4 dom
no spend condition		Waived ₹5904 domestic/yr
60HSBC HSBC Live+ credit cardHSBC Live+HSBC89/100₹16,098
4.9% rate		2 dom
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 cardsUnlimited lounge accessInternational lounge accessAll 119 cards →

Frequently asked questions

Which cards give lounge access without a spend condition?

HDFC Bank Infinia Metal, ICICI Bank Emeralde Private Metal, Standard Chartered Ultimate, Yes Bank Marquee, Axis Bank Burgundy Private and 55 more. Since 2025 most HDFC, ICICI, Axis and IndusInd cards gate lounges on prior-quarter spend; the cards here do not, as of 2026-09-19.

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.