Top 5 best credit cards in India that offer access to airport lounges

Key Benefits:

• Unlimited complimentary lounge access globally (Priority Pass + Diners Club)
  
  

• Free memberships: Amazon Prime, Club Marriott, MMTBLACK, and Swiggy One
  
  

• 24x7 global concierge services and emergency assistance
  
  

• High reward rate with 5X points on flights and hotels

Ideal for: HNIs, luxury travelers, business executives
Note: Only accepted at select POS terminals due to Diners Club network

2. Axis Bank Magnus Credit Card

Ideal for: Big spenders needing all-round travel perks

Axis Magnus burst onto 2025 after impeccable partnerships with Visa Infinite and Tata Neu granting effortless international use and lifestyle rewards.

• Joining Fee: ₹12,500 + GST
  
  

• Annual Fee: ₹12,500 (waived on ₹25L spending)

Key Benefits:

• Unlimited international lounge visits with Priority Pass (primary + add-on)
  
  

• 8 free domestic lounge visits per quarter via Visa Infinite
  
  

• Complimentary memberships: Swiggy One, EazyDiner Prime, Times Prime
  
  

• ₹10,000 Tata Neu vouchers on milestone spends

Ideal for: Frequent global flyers who also spend big on lifestyle

3. SBI Card ELITE

Ideal for: Equity on travel, dining, and movies

Even with newer cards, the SBI Card ELITE remains a choice pick in 2025 when considering consistent rewards, free lounge visits, and low forex markup fees.

• Joining Fee: ₹4,999 + GST

• Annual Fee: ₹4,999 (waived on spending ₹10L)
  
  

Key Benefits:

• Free Priority Pass membership + 6 international lounge visits (max 2/qtr)
  
  

• 8 domestic lounge visits/year via Mastercard/Visa
  
  

• 2 free movie tickets/month up to ₹500
  
  

• 1.99% forex markup, lower than most cards
  
  

Ideal for: Mid-level professionals and lifestyle spenders
  Now comes in both Visa and RuPay variants (2025)

5. OneCard Metal Credit Card

Best for: Millennials and first-time lounge users

This lifetime-free metal credit card has gained popularity in 2025 with its stylish design, transparent rewards, and curated lounge benefits.

• Joining Fee: ₹0
  
  

• Annual Fee: ₹0
  
  

Key Benefits:

• 4 free domestic lounge visits/year
  
  

• Lounge access via RuPay Select network
  
  

• Full app control – block/unblock card, track rewards, and EMI conversion
  
  

• No hidden charges, real-time spend tracking
  
  

Ideal for: Gen Z, young professionals, and budget-conscious travelers
One of the very few LTF metal cards with lounge benefits

Comparison Table – Airport Lounge Benefits at a Glance (2025)

FAQs

Q1: Is lounge access free with all credit cards?

A: Not all. Some cards require a minimum number of transactions or charge a nominal fee after a set number of visits.

Q2: Can supplementary cardholders also get lounge access?

A: Yes, especially with cards like HDFC Regalia, Diners Club Black, and Axis Magnus, which offer access for add-on card members too.

Q3: What happens if I exceed my lounge visit limit?

A: You may be charged between ₹700 and ₹1,200 per visit depending on the lounge partner. Always check your card's T&Cs in the app.

 Final Take: Which Credit Card Should You Choose in 2025?

 Pro Tip for 2025 Travelers:

Use your credit card’s official app to track lounge visits, block unwanted charges, and activate travel benefits before you fly.