60 cards · reviewed 2026-09-16
Credit cards with lounge access and no spend condition
Ranked by visits a year, then score, for a flyer who wants 8 domestic and 2 international visits.
Lounge access with no spend condition (Sept 2026): 60 of 119 cards give complimentary domestic lounge visits without a prior-quarter spend test; 20 more gate it on spend. Most visits for the money: HDFC Bank Infinia Metal (unlimited domestic, ₹14,750 incl. gst).
Standard profile
Scored for Frequent flyer profile · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| # | Card | Score | Net savings / yr | Usable visits / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 |  Infinia MetalHDFC Bank | 52/100 | ₹4,460 1.4% rate | 8 dom · 2 intl no spend condition | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 2 |  Emeralde Private MetalICICI Bank | 52/100 | ₹4,273 1.3% rate | 8 dom · 2 intl no spend condition | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 3 |  MarqueeYes Bank | 46/100 | ₹3,323 1.0% rate | 8 dom · 2 intl no spend condition | You pay ₹5,899 | unlimited domestic + 6 international/yr |
| 4 |  Burgundy PrivateAxis Bank | 43/100 | ₹4,000 1.2% rate | 8 dom · 2 intl no spend condition | Free for life | unlimited domestic + unlimited international/yr |
| 5 |  UltimateStandard Chartered | 43/100 | ₹2,947 0.9% rate | 8 dom no spend condition | You pay ₹5,900 | unlimited domestic/yr |
| 6 |  Diners Club Black MetalHDFC Bank | 36/100 | −₹3,680 -1.1% rate | 8 dom · 2 intl no spend condition | You pay ₹11,800 | unlimited domestic + unlimited international/yr |
| 7 |  Zenith+AU Small Finance Bank | 35/100 | −₹565 -0.2% rate | 8 dom · 2 intl no spend condition | You pay ₹5,899 | unlimited domestic + 4 international/yr |
| 8 |  ZenithAU Small Finance Bank | 26/100 | −₹3,322 -1.0% rate | 8 dom · 2 intl no spend condition | You pay ₹9,439 | unlimited domestic + 4 international/yr |
| 9 |  OlympusAxis Bank | 26/100 | −₹13,488 -4.1% rate | 8 dom · 2 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 10 |  HSBC PremierHSBC | 26/100 | −₹16,689 -5.1% rate | 8 dom · 2 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 11 |  DBS VantageDBS Bank | 25/100 | −₹4,319 -1.3% rate | 8 dom · 2 intl no spend condition | You pay ₹7,079 | unlimited domestic + 4 international/yr |
| 12 |  AURUMSBI Card | 25/100 | −₹9,012 -2.8% rate | 8 dom · 2 intl no spend condition | You pay ₹11,799 | unlimited domestic + 16 international/yr |
| 13 |  EmeraldeICICI Bank | 25/100 | −₹9,440 -2.9% rate | 8 dom · 2 intl no spend condition | You pay ₹14,160 | unlimited domestic + unlimited international/yr |
| 14 |  Platinum ChargeAmerican Express | 25/100 | −₹66,507 -20.4% rate | 8 dom · 2 intl no spend condition | You pay ₹70,800 | unlimited domestic + unlimited international/yr |
| 15 |  White ReserveKotak Mahindra Bank | 24/100 | −₹11,357 -3.5% rate | 8 dom · 2 intl no spend condition | You pay ₹14,750 | unlimited domestic + 8 international/yr |
| 16 |  Times Black ICICI BankICICI Bank | 24/100 | −₹20,207 -6.2% rate | 8 dom · 2 intl no spend condition | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 17 |  ReserveAxis Bank | 24/100 | −₹55,000 -16.8% rate | 8 dom · 2 intl no spend condition | You pay ₹59,000 | unlimited domestic + unlimited international/yr |
| 18 |  MagnusAxis Bank | 23/100 | −₹12,421 -3.8% rate | 8 dom · 2 intl no spend condition | You pay ₹14,750 | unlimited domestic + 8 international/yr |
| 19 |  ELITE+Yes Bank | 45/100 | ₹3,314 1.0% rate | 8 dom no spend condition | Waived | 16 domestic/yr |
| 20 |  RegaliaHDFC Bank | 53/100 | ₹4,226 1.3% rate | 8 dom · 2 intl no spend condition | Waived | 12 domestic + 6 international/yr |
| 21 |  Regalia GoldHDFC Bank | 41/100 | ₹1,276 0.4% rate | 8 dom · 2 intl no spend condition | You pay ₹2,950 | 12 domestic + 6 international/yr |
| 22 |  RESERVYes Bank | 40/100 | ₹955 0.3% rate | 8 dom · 2 intl no spend condition | You pay ₹2,359 | 12 domestic + 4 international/yr |
| 23 |  MayuraIDFC FIRST Bank | 35/100 | −₹3,881 -1.2% rate | 8 dom · 2 intl no spend condition | You pay ₹7,079 | 12 domestic + 12 international/yr |
| 24 |  Marriott Bonvoy HDFC BankHDFC Bank | 32/100 | −₹909 -0.3% rate | 8 dom · 2 intl no spend condition | You pay ₹3,540 | 12 domestic + 12 international/yr |
| 25 |  Tata Neu Infinity HDFC BankHDFC Bank | 56/100 | ₹5,634 1.5% rate | 8 dom · 2 intl no spend condition | Waived | 8 domestic + 4 international/yr |
| 26 |  PrivilegeAxis Bank | 52/100 | ₹5,286 1.6% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 27 |  SBI Card PRIMESBI Card | 50/100 | ₹3,474 1.1% rate | 8 dom · 2 intl no spend condition | Waived | 8 domestic + 4 international/yr |
| 28 |  Zen SignatureKotak Mahindra Bank | 49/100 | ₹4,483 1.4% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 29 |  IndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank | 48/100 | ₹4,687 1.4% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 30 |  AtlasAxis Bank | 45/100 | ₹5,033 1.5% rate | 8 dom · 2 intl no spend condition | You pay ₹5,900 | 8 domestic + 4 international/yr |
| 31 |  Platinum TravelAmerican Express | 45/100 | ₹4,386 1.3% rate | 8 dom no spend condition | You pay ₹5,900 | 8 domestic/yr |
| 32 |  PNB RuPay SelectPunjab National Bank | 43/100 | ₹2,716 0.7% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 33 |  Regalia FirstHDFC Bank | 43/100 | ₹2,685 0.8% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 34 |  SBI Card PULSESBI Card | 43/100 | ₹2,610 0.8% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 35 |  Royale SignatureKotak Mahindra Bank | 40/100 | ₹1,706 0.5% rate | 8 dom no spend condition | Waived | 8 domestic/yr |
| 36 |  World SafariRBL Bank | 39/100 | ₹803 0.2% rate | 8 dom · 2 intl no spend condition | You pay ₹3,540 | 8 domestic + 8 international/yr |
| 37 |  HorizonAxis Bank | 36/100 | ₹2,393 0.7% rate | 8 dom · 2 intl no spend condition | You pay ₹3,540 | 8 domestic + 4 international/yr |
| 38 |  AshvaIDFC FIRST Bank | 36/100 | −₹341 -0.1% rate | 8 dom · 2 intl no spend condition | You pay ₹3,539 | 8 domestic + 8 international/yr |
| 39 |  CelestaFederal Bank | 36/100 | −₹773 -0.2% rate | 8 dom · 2 intl no spend condition | You pay ₹3,540 | 8 domestic + 4 international/yr |
| 40 |  SBI Card MILES ELITESBI Card | 35/100 | −₹3,651 -1.1% rate | 8 dom · 2 intl no spend condition | You pay ₹5,899 | 8 domestic + 6 international/yr |
| 41 |  SBI Card ELITESBI Card | 34/100 | −₹117 -0.0% rate | 8 dom · 2 intl no spend condition | You pay ₹5,899 | 8 domestic + 6 international/yr |
| 42 |  IconRBL Bank | 29/100 | −₹4,327 -1.3% rate | 8 dom no spend condition | You pay ₹5,900 | 8 domestic/yr |
| 43 |  Platinum ReserveAmerican Express | 29/100 | −₹9,014 -2.8% rate | 8 dom no spend condition | You pay ₹11,800 | 8 domestic/yr |
| 44 |  Air India SBI SignatureSBI Card | 27/100 | −₹686 -0.2% rate | 8 dom no spend condition | You pay ₹5,899 | 8 domestic/yr |
| 45 |  HSBC TravelOneHSBC | 35/100 | −₹2,330 -0.7% rate | 6 dom · 2 intl no spend condition | You pay ₹5,899 | 6 domestic + 4 international/yr |
| 46 |  BOBCARD ETERNABank of Baroda | 52/100 | ₹6,687 2.0% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 47 |  LITAU Small Finance Bank | 49/100 | ₹6,439 2.0% rate | 4 dom no spend condition | Free for life | 4 domestic/yr |
| 48 |  EaseMyTrip Standard CharteredStandard Chartered | 48/100 | ₹6,193 1.9% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 49 |  BPCL SBI Card OCTANESBI Card | 47/100 | ₹5,355 1.6% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 50 |  HPCL BOBCARD ENERGIEBank of Baroda | 45/100 | ₹4,597 1.4% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 51 |  BOBCARD TIARABank of Baroda | 44/100 | ₹4,527 1.4% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 52 |  HPCL Super Saver ICICI BankICICI Bank | 44/100 | ₹4,342 1.3% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 53 |  Tata Neu Plus HDFC BankHDFC Bank | 41/100 | ₹3,876 1.0% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 54 |  BOBCARD PREMIERBank of Baroda | 40/100 | ₹3,138 1.0% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 55 |  MY ZONEAxis Bank | 40/100 | ₹2,943 0.9% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 56 |  RewardsAxis Bank | 38/100 | ₹2,660 0.8% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 57 |  Times PlatinumHDFC Bank | 37/100 | ₹2,415 0.7% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 58 |  ixigo AUAU Small Finance Bank | 35/100 | ₹2,022 0.5% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 59 |  Samsung Axis BankAxis Bank | 32/100 | ₹980 0.3% rate | 4 dom no spend condition | Waived | 4 domestic/yr |
| 60 |  HSBC Live+HSBC | 90/100 | ₹16,098 4.9% rate | 2 dom · 1 intl no spend condition | Waived | 2 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 →
Lounge access by card → · Same list as a card collection →
Frequently asked questions
Which credit cards give lounge access without a spend condition?
Lounge access with no spend condition (Sept 2026): 60 of 119 cards give complimentary domestic lounge visits without a prior-quarter spend test; 20 more gate it on spend. Most visits for the money: HDFC Bank Infinia Metal (unlimited domestic, ₹14,750 incl. gst).
Why do most cards now have a spend condition?
Through 2025–26 HDFC, ICICI, Axis and IndusInd tied complimentary domestic visits to ₹50,000–₹5,00,000 spent in the previous quarter to cut lounge costs after DreamFolks exited aggregation. Cards on this page had no such condition when last reviewed.