HDFC BankVisa
Infinia Metal
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.
Collection · 21 cards · updated 2026-09-19
Credit cards with unlimited domestic lounge access
Unlimited complimentary domestic lounge visits. Scored in rupees for the profile below – set up yours to re-rank.
Unlimited lounge access (Sept 2026): 21 of 119 cards qualify – unlimited complimentary domestic lounge visits. Best of them for this profile: HDFC Bank Infinia Metal (score 67, ₹4,460 net a year), then Emeralde Private Metal.
Standard profile
Scored for Unlimited 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
ICICI BankVisa
Emeralde Private Metal
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.
Federal Bank× ScapiaVisa
Scapia Federal Bank
Net savings₹5,573/yr
Savings rate1.7%
Annual feeFree for life
Lounge✈∞ dom
✓ Base rate 2% on other spends earns you about ₹4,133 a year on ₹2,06,640 of spend.
All 21 unlimited lounge access
| # | Card | Score | Net savings / yr | Usable visits / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | Infinia MetalHDFC Bank | 67/100 | ₹4,460 1.4% rate | 24 dom · 4 intl no spend condition | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 2 | Emeralde Private MetalICICI Bank | 66/100 | ₹4,273 1.3% rate | 24 dom · 4 intl no spend condition | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 3 | Scapia Federal BankFederal Bank | 62/100 | ₹5,573 1.7% rate | 24 dom needs ₹10,000/month | Free for life | unlimited domestic/yr |
| 4 |  MarqueeYes Bank | 57/100 | ₹3,323 1.0% rate | 24 dom · 4 intl no spend condition | You pay ₹5,899 | unlimited domestic + 6 international/yr |
| 5 |  Burgundy PrivateAxis Bank | 56/100 | ₹4,000 1.2% rate | 24 dom · 4 intl no spend condition | Free for life | unlimited domestic + unlimited international/yr |
| 6 |  UltimateStandard Chartered | 54/100 | ₹2,947 0.9% rate | 24 dom no spend condition | You pay ₹5,900 | unlimited domestic/yr |
| 7 |  PinnacleIndusInd Bank | 44/100 | ₹3,920 1.2% rate | 0 dom · 4 intl needs ₹5,00,000/quarter | Free for life | 0 domestic + 4 international/yr |
| 8 |  Diners Club Black MetalHDFC Bank | 36/100 | −₹3,680 -1.1% rate | 24 dom · 4 intl no spend condition | You pay ₹11,800 | unlimited domestic + unlimited international/yr |
| 9 |  Zenith+AU Small Finance Bank | 35/100 | −₹565 -0.2% rate | 24 dom · 4 intl no spend condition | You pay ₹5,899 | unlimited domestic + 4 international/yr |
| 10 |  ZenithAU Small Finance Bank | 26/100 | −₹3,322 -1.0% rate | 24 dom · 4 intl no spend condition | You pay ₹9,439 | unlimited domestic + 4 international/yr |
| 11 |  OlympusAxis Bank | 26/100 | −₹13,488 -4.1% rate | 24 dom · 4 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 12 |  HSBC PremierHSBC | 26/100 | −₹16,689 -5.1% rate | 24 dom · 4 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 13 |  DBS VantageDBS Bank | 25/100 | −₹4,319 -1.3% rate | 24 dom · 4 intl no spend condition | You pay ₹7,079 | unlimited domestic + 4 international/yr |
| 14 |  AURUMSBI Card | 25/100 | −₹9,012 -2.8% rate | 24 dom · 4 intl no spend condition | You pay ₹11,799 | unlimited domestic + 16 international/yr |
| 15 |  EmeraldeICICI Bank | 25/100 | −₹9,440 -2.9% rate | 24 dom · 4 intl no spend condition | You pay ₹14,160 | unlimited domestic + unlimited international/yr |
| 16 |  Platinum ChargeAmerican Express | 25/100 | −₹66,507 -20.4% rate | 24 dom · 4 intl no spend condition | You pay ₹70,800 | unlimited domestic + unlimited international/yr |
| 17 |  Adani One ICICI Bank SignatureICICI Bank | 24/100 | −₹1,290 -0.4% rate | 24 dom · 4 intl needs ₹75,000/quarter | You pay ₹5,900 | unlimited domestic + 4 international/yr |
| 18 |  White ReserveKotak Mahindra Bank | 24/100 | −₹11,357 -3.5% rate | 24 dom · 4 intl no spend condition | You pay ₹14,750 | unlimited domestic + 8 international/yr |
| 19 |  Times Black ICICI BankICICI Bank | 24/100 | −₹20,207 -6.2% rate | 24 dom · 4 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 20 |  ReserveAxis Bank | 24/100 | −₹55,000 -16.8% rate | 24 dom · 4 intl no spend condition | You pay ₹59,000 | unlimited domestic + unlimited international/yr |
| 21 |  MagnusAxis Bank | 23/100 | −₹12,421 -3.8% rate | 24 dom · 4 intl no spend condition | You pay ₹14,750 | unlimited domestic + 8 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
Frequently asked questions
Which credit cards give unlimited lounge access in India?
HDFC Bank Infinia Metal, ICICI Bank Emeralde Private Metal, Scapia Federal Bank, Yes Bank Marquee, Axis Bank Burgundy Private, Standard Chartered Ultimate and 15 more. Fees range from lifetime free (on offer) to ₹60,000, so the score column matters more than the entitlement.
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.