Home / Lounge Finder Lounge Finder · checked 29 October 2026
Every credit card in India airport lounge access
177 cards from 23 issuers that are being issued right now — with exactly how many visits you get, what you must spend to unlock them, and the catch nobody mentions.
177 cards34 with unlimited access92 with no spend condition18 with no annual fee
HDFC Bank
₹10,000 + GST Reviewed on CCT
Domestic Unlimited No spend needed
International Unlimited No spend needed
Diners Club lounges, primary & add-on
Catch: Access is through the Diners Club network only — some airport lounges aren’t on it.
HDFC Bank
HDFC BizBlack Metal (Business)
₹10,000 + GST
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Business card for self-employed and business owners. Renewal fee waived on ₹7.5 lakh spend.
ICICI Bank
Emirates Skywards ICICI Emeralde
₹10,000 + GST
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Unlimited for the primary cardholder; no spend condition.
ICICI Bank
ICICI Emeralde Metal
₹12,000 + GST
Domestic Unlimited No spend needed
International Unlimited No spend needed
Priority Pass, primary only
Catch: Exempt from ICICI’s ₹75,000 quarterly spend rule. Primary cardholder only; domestic access now works through airport-operator apps since DreamFolks exited.
Axis Bank
Axis Magnus
₹12,500 + GST
Domestic Unlimited ₹50,000 spend in the previous 3 months
International Unlimited No spend needed
Guests 4 guest visits a year
Priority Pass (international)
Catch: Domestic access needs ₹50,000 spend in the previous 3 months. Since 28 Aug 2026 Priority Pass no longer works at Indian domestic lounges — show the card instead.
HSBC
HSBC Taj
₹1,10,000 + GST
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Very high annual fee; packed with Taj hotel benefits.
Bandhan Bank
Bandhan Bank Lumina
₹9,999 + GST
Domestic 32 / year No spend needed
International Unlimited No spend needed
Catch: New in Sep 2026. 8 domestic visits a quarter at select airports; fee waived on ₹12 lakh annual spend.
YES Bank
YES Marquee
₹4,999 + GST
Domestic 24 / year ₹1 lakh spend in the previous quarter
International Unlimited No spend needed
Guests 4 international + 2 domestic guests
Catch: International is unlimited with no spend rule; domestic needs ₹1 lakh a quarter.
Federal Bank
No annual fee Reviewed on CCT
Domestic Unlimited ₹20,000 spend in the billing cycle
Catch: Lifetime free with 0% forex.
IDBI Bank
IDBI Euphoria World
₹1,499 + GST
Domestic Unlimited No spend needed
Catch: International access is not confirmed — sources disagree. Confirm with IDBI.
BOBCARD
₹2,499 + GST Reviewed on CCT
Domestic Unlimited ₹75,000 spend in the previous quarter
Catch: First year free since 1 Sep 2026, then ₹2,499 (waived on ₹2.5 lakh spend). Lounge threshold raised from ₹40,000 in July 2026.
BOBCARD
BOBCARD Tiara
₹2,499 + GST
Domestic Unlimited ₹75,000 spend in the previous quarter
Axis Bank
₹3,000 + GST Reviewed on CCT
Domestic 32 / year No spend needed
International 8 / year No spend needed
Catch: No spend condition — up to 8 domestic and 2 international visits a quarter.
Axis Bank
Miles & More Axis World Select
₹4,500 + GST
Domestic 32 / year Unpublished spend criterion
International 4 / year No spend needed
Priority Pass
Catch: Axis doesn’t publish the spend needed for the 8 domestic visits a quarter.
AU Small Finance Bank
AU Zenith+
₹4,999 + GST
Domestic 16 / year No spend needed
International 16 / year No spend needed
Catch: No spend condition published.
IDFC FIRST Bank
₹5,999 + GST Reviewed on CCT
Domestic 16 / year ₹20,000 spend in the previous month
International 16 / year ₹20,000 spend in the previous month
Railway 16 / year Station lounges
Catch: Every visit needs ₹20,000 spend in the previous month.
IndusInd Bank
Indus Solitaire
₹10,000 + GST
Domestic 16 / year ₹5 lakh spend in the previous quarter
International 16 / year No spend needed
Catch: Domestic visits need a very high ₹5 lakh previous-quarter spend.
Standard Chartered
Standard Chartered Ultimate
₹5,000 + GST
Domestic 16 / year No spend needed
International 12 / year ₹20,000 spend in the previous month
Priority Pass
Catch: 1 international visit a month after ₹20,000 previous-month spend.
IDFC FIRST Bank
₹2,999 + GST Reviewed on CCT
Domestic 16 / year ₹20,000 spend in the previous month
International 8 / year ₹20,000 spend in the previous month
HDFC Bank
₹3,000 + GST Reviewed on CCT
Domestic 12 / year No spend needed
International 12 / year No spend needed
Catch: No spend condition. Diners network card — check the lounge accepts Diners.
HDFC Bank
Shoppers Stop Black HDFC
₹4,500 + GST
Domestic 16 / year No spend needed
International 8 / year No spend needed
Catch: 4 domestic + 2 international visits per quarter; no spend condition published.
Bandhan Bank
Bandhan Bank Flare
₹2,499 + GST
Domestic 16 / year No spend needed
International 4 / year No spend needed
Catch: New in Sep 2026. 4 domestic + 1 international a quarter at select airports; fee waived on ₹6 lakh spend.
BOBCARD
₹5,000 + GST Reviewed on CCT
Domestic 12 / year No spend needed
International 8 / year No spend needed
Catch: ₹2 authentication charge per international visit.
YES Bank
YES RESERV
₹2,499 + GST
Domestic 12 / year ₹1 lakh spend in the previous quarter
International 6 / year No spend needed
HDFC Bank
₹2,500 + GST Reviewed on CCT
Domestic 12 / year ₹60,000 spend in the previous quarter
International 6 / year No spend needed
Priority Pass for international
Catch: 3 domestic visits a quarter unlock only after ₹60,000 spend in the previous quarter (since July 2026). International visits have no spend condition.
ICICI Bank
ICICI Sapphiro
₹3,500 + GST
Domestic 16 / year ₹75,000 spend in the previous quarter
International 2 / year No spend needed
Catch: 4 domestic visits a quarter only after ₹75,000 previous-quarter spend.
Axis Bank
Miles & More Axis World
₹3,500 + GST
Domestic 16 / year Unpublished spend criterion
International 2 / year No spend needed
ICICI Bank
Adani One ICICI Signature
₹5,000 + GST
Domestic 16 / year ₹75,000 spend in the previous quarter
International 2 / year No spend needed
AU Small Finance Bank
AU Ananta
₹2,000 + GST
Domestic 16 / year Book a ₹5,000+ flight via AU Rewardz that quarter
Catch: 4 visits a quarter — unlocked by a flight booking, not spend.
IDFC FIRST Bank
IDFC FIRST Diamond Reserve
₹3,000 + GST
Domestic 8 / year ₹20,000 spend in the previous month
International 8 / year ₹20,000 spend in the previous month
IndusInd Bank
₹5,000 + GST Reviewed on CCT
Domestic 8 / year No spend needed
International 8 / year No spend needed
Priority Pass
Catch: ₹10,000 joining fee.
AU Small Finance Bank
AU Zenith
₹7,999 + GST
Domestic 8 / year Linked to spend
International 8 / year Linked to spend
SBI Card
KrisFlyer SBI Card Apex
₹9,999 + GST
Domestic 8 / year No spend needed
International 8 / year No spend needed
Priority Pass
Catch: No spend condition published.
Axis Bank
Axis Select
₹3,000 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
International 6 / year No spend needed
Catch: International rises to 12 a year at ₹3 lakh annual spend.
SBI Card
SBI Card ELITE
₹4,999 + GST
Domestic 8 / year No spend needed
International 6 / year No spend needed
Priority Pass
Catch: 2 domestic + 2 international a quarter (international up to 6 a year). No spend condition.
SBI Card
SBI Card Miles Elite
₹4,999 + GST
Domestic 8 / year No spend needed
International 6 / year No spend needed
Priority Pass
Catch: No spend condition published.
SBI Card
IndiGo SBI Card ELITE
₹4,999 + GST
Domestic 8 / year No spend needed
International 6 / year No spend needed
Catch: No spend condition published.
AU Small Finance Bank
Paytm AU
No annual fee
Domestic 12 / year Book a ₹5,000+ round trip on Paytm Travel
Catch: Lifetime free; visits unlock with Paytm Travel flight bookings.
SalarySe
₹500 + GST Reviewed on CCT
Domestic 12 / year ₹10,000 spend in the previous cycle
Catch: Physical card only; the free virtual card has no lounge access.
Punjab National Bank
PNB RuPay Select
₹750 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Catch: PNB hasn’t published current terms online — figures are from third-party listings.
HDFC Bank
HDFC Diners Club Privilege
₹1,000 + GST
Domestic 8 / year ₹60,000 spend in the previous quarter
International 4 / year ₹60,000 spend in the previous quarter
Catch: Issued as vouchers (2 domestic + 1 international a quarter) only after ₹60,000 spend in the previous quarter.
HDFC Bank
₹1,499 + GST Reviewed on CCT
Domestic 8 / year ₹50,000 spend in the quarter
International 4 / year No spend needed
Catch: Domestic visits are released as vouchers after ₹50,000 quarterly spend. International visits have no condition.
SBI Card
Tata Neu Infinity SBI Card
₹1,499 + GST
Domestic 8 / year Linked to quarterly spend
International 4 / year No spend needed
Priority Pass
Catch: Domestic visits (2 a quarter) depend on quarterly spend — check SBI’s current threshold.
RBL Bank
RBL TVS Gold
₹1,500 + GST
Domestic 8 / year ₹50,000–₹75,000 spend in the quarter
International 4 / year ₹1 lakh spend in the quarter
Catch: 1 domestic visit at ₹50,000 or 2 at ₹75,000 quarterly spend; 1 international at ₹1 lakh.
BOBCARD
₹2,500 + GST Reviewed on CCT
Domestic 8 / year No spend needed
International 4 / year No spend needed
SBI Card
SBI Card PRIME
₹2,999 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
Catch: 2 domestic visits a quarter; international via Priority Pass.
SBI Card
SBI Card Miles Prime
₹2,999 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
SBI Card
Titan SBI Card
₹2,999 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
SBI Card
Landmark Rewards SBI Card PRIME
₹2,999 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
SBI Card
Reliance SBI Card PRIME
₹2,999 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
Kotak Mahindra Bank
Kotak White
₹3,000 + GST
Domestic 8 / year ₹1 lakh spend in the previous quarter
International 4 / year No spend needed
Priority Pass
Equitas SFB
Equitas PowerMiles
₹5,000 + GST
Domestic 8 / year No spend needed
International 4 / year No spend needed
Priority Pass
Catch: Sources differ on visit counts — confirm with Equitas.
Illustrative image
YES Bank
YES Elite+
₹999 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
International 3 / year No spend needed
Kotak Mahindra Bank
Kotak Zen Signature
₹1,500 + GST
Domestic 8 / year ₹75,000 spend in the previous quarter
International 3 / year No spend needed
Priority Pass, primary only
IndusInd Bank
No annual fee Reviewed on CCT
Domestic 8 / year No spend needed
International 2 / year No spend needed
Catch: Lifetime free with international lounges.
Federal Bank
Federal Bank Celesta
No annual fee
Domestic 8 / year ₹60,000 spend in the quarter
International 2 / year No spend needed
Catch: Lifetime free for new customers.
Canara Bank
Canara Bank RuPay Select
No annual fee
Domestic 8 / year About ₹10,000 spend in the previous quarter
International 2 / year No spend needed
Catch: Check the Canara ai1 app for the current spend threshold.
HSBC
HSBC RuPay Cashback
₹499 + GST
Domestic 8 / year No spend needed
International 2 / year No spend needed
Union Bank of India
Union Bank RuPay Select
₹499 + GST
Domestic 8 / year No spend needed
International 2 / year No spend needed
Catch: Union Bank hasn’t published current terms online — figures are from third-party listings.
RBL Bank
RBL World Safari
₹3,000 + GST
Domestic 8 / year ₹35,000 spend in the previous quarter
International 2 / year No spend needed
Priority Pass
Catch: Extra international visits with higher quarterly spend; beyond that, up to US$35 a visit.
HSBC
₹4,999 + GST Reviewed on CCT
Domestic 6 / year No spend needed
International 4 / year No spend needed
Catch: No spend condition.
ICICI Bank
Emirates Skywards ICICI Sapphiro
₹5,000 + GST
Domestic 8 / year ₹75,000 spend in the quarter
International 2 / year No spend needed
Axis Bank
IndiGo Axis Premium
₹5,000 + GST
Domestic 8 / year ₹50,000 spend in the previous 3 months
International 2 / year No spend needed
Priority Pass
AU Small Finance Bank
No annual fee Reviewed on CCT
Domestic 8 / year ₹50,000 spend in the previous quarter
International 1 / year No spend needed
Railway 8 / year Station lounges
Catch: Lifetime free. Railway lounges have no spend condition.
ICICI Bank
MakeMyTrip ICICI
₹999 + GST
Domestic 8 / year ₹75,000 spend in the previous quarter
International 1 / year No spend needed
Axis Bank
LIC Axis Signature
No annual fee
Domestic 8 / year ₹50,000 spend in the previous 3 months
Catch: Lifetime free.
IDFC FIRST Bank
IDFC FIRST Wealth
No annual fee
Domestic 4 / year ₹20,000 spend in the previous month
International 4 / year ₹20,000 spend in the previous month
Catch: Lifetime free.
IDFC FIRST Bank
LIC IDFC FIRST Select
No annual fee
Domestic 8 / year No spend needed
Railway 16 / year Station lounges
Catch: Lifetime free.
AU Small Finance Bank
AU NOMO (FD-backed)
No annual fee
Domestic 8 / year ₹50,000 spend in the quarter
Railway 8 / year Station lounges
Catch: Secured against an FD of ₹20,000+ (24-month lock-in). ₹199 joining fee, no annual fee.
Federal Bank
Federal Bank Imperio
No annual fee
Domestic 8 / year ₹40,000 spend in the quarter
Catch: Lifetime free for new customers.
AU Small Finance Bank
AU SPONT
₹299 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
Railway 8 / year Station lounges
Catch: Railway lounges have no spend condition.
AU Small Finance Bank
AU Xcite Ace
₹749 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
AU Small Finance Bank
AU Xcite Ultra
₹749 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
ICICI Bank
Adani One ICICI Platinum
₹750 + GST
Domestic 8 / year ₹75,000 spend in the previous quarter
Bandhan Bank
Bandhan Bank Ignite
₹999 + GST
Domestic 4 / year No spend needed
International 4 / year No spend needed
Catch: New in Sep 2026. 1 domestic + 1 international a quarter; no joining fee, renewal waived on ₹1 lakh spend.
Axis Bank
Axis Rewards
₹1,000 + GST
Domestic 8 / year ₹50,000 spend in the previous 3 months
RBL Bank
RBL World Safari Lite
₹1,000 + GST
Domestic 4 / year ₹50,000 spend in the previous quarter
International 4 / year ₹50,000 spend in the previous quarter
AU Small Finance Bank
AU Laksya
₹1,000 + GST
Domestic 8 / year ₹50,000 spend in the previous quarter
YES Bank
YES Wellness Plus
₹1,499 + GST
Domestic 8 / year Linked to quarterly spend
Axis Bank
Axis Privilege
₹1,500 + GST
Domestic 8 / year ₹50,000 spend in the previous 3 months
ICICI Bank
ICICI Rubyx
₹2,000 + GST
Domestic 8 / year ₹75,000 spend in the previous quarter
Railway 8 / year Station lounges
Axis Bank
SpiceJet Axis Voyage Black
₹2,000 + GST
Domestic 8 / year No spend needed
HDFC Bank
HDFC BizPower (Business)
₹2,500 + GST
Domestic 8 / year No spend needed
Catch: Business card. Cut from 16 a year to 2 domestic visits a quarter from July 2026.
RBL Bank
RBL Platinum Maxima Plus
₹2,500 + GST
Domestic 8 / year ₹35,000 spend in the previous quarter
SBI Card
KrisFlyer SBI Card
₹2,999 + GST
Domestic 4 / year No spend needed
International 4 / year No spend needed
Priority Pass
AU Small Finance Bank
AU Vetta
₹2,999 + GST
Domestic 4 / year ₹50,000 spend in the previous quarter
International 4 / year No spend needed
Railway 8 / year Station lounges
Priority Pass
Kotak Mahindra Bank
IndiGo XL Kotak
₹3,000 + GST
Domestic 8 / year No spend needed
RBL Bank
RBL Icon
₹5,000 + GST
Domestic 8 / year ₹35,000 spend in the previous quarter
Catch: International lounges are chargeable (up to US$35 a visit).
Kotak Mahindra Bank
Kotak Air+ Prime
₹3,000 + GST
Domestic 4 / year No spend needed
International 2 / year No spend needed
IDFC FIRST Bank
IDFC FIRST Select
No annual fee
Domestic 4 / year ₹20,000 spend in the previous month
Railway 16 / year Station lounges
Catch: Lifetime free.
IDFC FIRST Bank
LIC IDFC FIRST Classic
No annual fee
Domestic 4 / year No spend needed
Railway 8 / year Station lounges
Catch: Lifetime free.
IndusInd Bank
IndusInd Pinnacle
No annual fee
International 4 / year No spend needed
Catch: ₹15,000 joining fee, no annual fee. Domestic lounges and guests cost US$35 a visit.
Federal Bank
Federal Bank Signet
No annual fee
Domestic 4 / year ₹20,000 spend in the quarter
Catch: Lifetime free for new customers.
Equitas SFB
Equitas Selfe
No annual fee
Domestic 4 / year No spend needed
Catch: 1 domestic visit a quarter, no spend condition.
HDFC Bank
₹499 + GST Reviewed on CCT
Domestic 4 / year ₹50,000 spend in the quarter
Catch: Maximum 1 visit a quarter, unlocked by ₹50,000 spend in that quarter.
SBI Card
Tata Neu Plus SBI Card
₹499 + GST
Domestic 4 / year Linked to quarterly spend
Catch: 1 visit a quarter, subject to a spend condition.
ICICI Bank
ICICI Expressions
₹499 + GST
Domestic 4 / year ₹75,000 spend in the quarter
IDFC FIRST Bank
₹499 + GST Reviewed on CCT
Domestic 4 / year ₹20,000 spend in the month
BOBCARD
HPCL ENERGIE BOBCARD
₹499 + GST
Domestic 4 / year ₹20,000 spend in the previous quarter
Bandhan Bank
Bandhan Bank Sparks
₹499 + GST
Domestic 4 / year No spend needed
Catch: New in Sep 2026. 1 domestic visit a quarter at select airports; no joining fee, renewal waived on ₹50,000 spend.
ICICI Bank
ICICI Coral
₹500 + GST
Domestic 4 / year ₹75,000 spend in the previous quarter
Railway 4 / year Station lounges
Catch: Railway lounges (1 a quarter) have no condition; airport visits need ₹75,000 previous-quarter spend.
ICICI Bank
ICICI HPCL Super Saver
₹500 + GST
Domestic 4 / year ₹75,000 spend in the previous quarter
Catch: Domestic access for the primary cardholder only, after ₹75,000 previous-quarter spend.
Axis Bank
Samsung Axis Signature
₹500 + GST
Domestic 4 / year ₹50,000 spend in the previous 3 months
Axis Bank
₹500 + GST Reviewed on CCT
Domestic 4 / year ₹50,000 spend in the previous 3 months
YES Bank
YES Select
₹599 + GST
Domestic 4 / year ₹50,000 spend in the previous quarter
Catch: Guests are charged.
Axis Bank
SpiceJet Axis Voyage
₹750 + GST
Domestic 4 / year Linked to spend
IDFC FIRST Bank
₹750 + GST Reviewed on CCT
Domestic 4 / year ₹20,000 spend in the previous month
Catch: FD-backed — no income proof needed.
Axis Bank
IndiGo Axis
₹799 + GST
Domestic 4 / year ₹50,000 spend in the previous 3 months
YES Bank
YES Essence
₹799 + GST
Domestic 4 / year Linked to quarterly spend
Kotak Mahindra Bank
Kotak Air
₹999 + GST
Domestic 4 / year ₹60,000 spend in the previous quarter
HDFC Bank
₹1,000 + GST Reviewed on CCT
Domestic 4 / year ₹1 lakh spend in the previous quarter
Catch: 1 domestic visit a quarter as a voucher, only after ₹1 lakh spend in the previous quarter.
ICICI Bank
Emirates Skywards ICICI Rubyx
₹1,000 + GST
Domestic 4 / year ₹75,000 spend in the quarter
RBL Bank
RBL Apex
₹1,000 + GST
Domestic 4 / year ₹35,000 spend in the previous quarter
Catch: None in your first quarter.
BOBCARD
BOBCARD Premier
₹1,000 + GST
Domestic 4 / year ₹20,000 spend in the previous quarter
Standard Chartered
Standard Chartered Rewards
₹1,000 + GST
Domestic 4 / year No spend needed
Catch: Apply at a branch or call centre — no online application.
SBI Card
₹1,499 + GST Reviewed on CCT
Domestic 4 / year No spend needed
Catch: 1 domestic visit a quarter.
SBI Card
SBI Card PULSE
₹1,499 + GST
Domestic 4 / year No spend needed
Catch: Halved to 1 visit a quarter on 10 Jan 2026, and only at “Set A” lounges. Priority Pass is included but international visits are paid.
SBI Card
SBI Card MILES
₹1,499 + GST
Domestic 4 / year Extra visits need spend
Catch: 4 free domestic visits a year, plus 1 more per ₹1 lakh spend (up to 8 more). Priority Pass is included but each international visit costs US$27.
SBI Card
₹1,499 + GST Reviewed on CCT
Domestic 4 / year No spend needed
Catch: 1 domestic visit a quarter. Priority Pass is included for 2 years but international visits are paid.
SBI Card
Apollo SBI Card SELECT
₹1,499 + GST
Domestic 4 / year No spend needed
Catch: 1 domestic visit a quarter. Priority Pass membership included; international visits are paid.
SBI Card
Paytm SBI Card SELECT
₹1,499 + GST
Domestic 4 / year No spend needed
Catch: Maximum 1 visit a quarter. Priority Pass fee waived for 2 years; international visits are paid.
SBI Card
IndiGo SBI Card
₹1,499 + GST
Domestic 4 / year Linked to spend
Catch: Domestic visits are spend-linked; no international access.
RBL Bank
RBL Patanjali Swarn
₹1,499 + GST
Domestic 4 / year ₹50,000 Patanjali spend in the previous quarter
RBL Bank
RBL Blockbuster
₹3,000 + GST
Domestic 4 / year No spend needed
Catch: 1 a quarter, no spend condition.
HSBC
₹999 + GST Reviewed on CCT
Domestic 2 / year No spend needed
International 1 / year No spend needed
Catch: International visit added from 1 Sep 2026.
Standard Chartered
Standard Chartered EaseMyTrip
₹350 + GST
Domestic 2 / year No spend needed
Catch: International access withdrawn in Oct 2024.
IDFC FIRST Bank
IDFC FIRST Classic
No annual fee
Railway 16 / year Station lounges
Catch: Railway lounges only.
IDFC FIRST Bank
IDFC FIRST Millennia
No annual fee
Railway 16 / year Station lounges
Catch: Railway lounges only.
AU Small Finance Bank
AU Altura
₹199 + GST
Railway 8 / year Station lounges
Catch: Railway lounges only.
AU Small Finance Bank
AU Xcite
₹249 + GST
Railway 8 / year Station lounges
Catch: Railway lounges only.
BOBCARD
IRCTC BOBCARD
₹350 + GST
Railway 4 / year Station lounges
Catch: Railway lounges only.
IDFC FIRST Bank
IDFC FIRST SWYP
₹499 + GST
Railway 16 / year Station lounges
Catch: Railway lounges only.
AU Small Finance Bank
AU Altura Plus
₹499 + GST
Railway 8 / year Station lounges
Catch: Railway lounges only.
HDFC Bank
IRCTC HDFC
₹500 + GST
Railway 8 / year Station lounges
Catch: Railway lounges only (IRCTC Executive Lounges at select stations) — needs a valid train ticket.
SBI Card
IRCTC SBI Platinum Card
₹500 + GST
Railway 4 / year Station lounges
Catch: Railway station lounges only.
RBL Bank
RBL IRCTC
₹500 + GST
Railway 8 / year Station lounges
Catch: Railway lounges only.
RBL Bank
RBL TVS Credit
₹500 + GST
Railway 4 / year Station lounges
Catch: Railway lounges only.
SBI Card
IRCTC SBI Card Premier
₹1,499 + GST
Railway 8 / year Station lounges
Catch: Railway station lounges only.
Kotak Mahindra Bank
Kotak Solitaire
No annual fee Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: For Kotak Solitaire banking clients — ₹25,000 fee if you leave the programme.
YES Bank
YES Private
₹10,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 12 guest visits a year
Catch: Invite-only.
YES Bank
YES Private Prime
₹10,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 4 guest visits a year
Catch: Invite-only.
DBS Bank
DBS Vantage
₹10,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Invite-only; primary cardholder only. DBS revised the card’s benefits in 2026.
ICICI Bank
₹12,499 + GST Invite only Reviewed on CCT
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Invite-only through ICICI Wealth / Private Banking.
HDFC Bank
₹12,500 + GST Invite only Reviewed on CCT
Domestic Unlimited No spend needed
International Unlimited No spend needed
Priority Pass, primary & add-on
Catch: Invite-only. From FY2026-27, keeping the card needs ₹18 lakh annual spend or ₹50 lakh HDFC relationship value.
Kotak Mahindra Bank
Kotak White Reserve
₹12,500 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Invite-only.
ICICI Bank
Times Black ICICI
₹20,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Priority Pass
Catch: Invite-only.
Axis Bank
Axis Olympus
₹20,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 10 domestic + 10 international guest visits
Catch: Invite-only.
HSBC
₹20,000 + GST Invite only Reviewed on CCT
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 8 guest visits
Catch: Needs an HSBC Premier relationship; annual fee waived for Premier customers.
IDFC FIRST Bank
IDFC FIRST Private
₹25,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Invite-only.
IndusInd Bank
IndusInd Pioneer Private
₹25,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 12 international guest visits
Priority Pass
Catch: Invite-only. Not subject to the 2026 domestic spend rule.
IndusInd Bank
IndusInd Pioneer Heritage
₹25,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Priority Pass / LoungeKey
Catch: Invite-only.
Standard Chartered
Standard Chartered Beyond
₹25,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Catch: Invite-only.
Axis Bank
Axis Reserve
₹50,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 12 guest visits a year
Catch: Invite-only.
RBL Bank
RBL Lumière
₹50,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests Guests included
Catch: Invite-only.
Axis Bank
Axis Burgundy Private
₹1,00,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Guests 12 guest visits a year
Priority Pass
Catch: For Burgundy Private clients.
American Express
American Express Centurion
₹2,75,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Centurion Lounges + Global Lounge Collection
Catch: Invite-only. Amex has paused new applications for its other India cards.
Axis Bank
Axis Primus
₹3,00,000 + GST Invite only
Domestic Unlimited No spend needed
International Unlimited No spend needed
Priority Pass
Catch: Invite-only, Axis’s top card.
SBI Card
SBI Card AURUM
₹9,999 + GST Invite only
Domestic 16 / year No spend needed
International Unlimited No spend needed
Catch: Invite-only. 4 domestic visits a quarter; unlimited international lounge access.
IndusInd Bank
IndusInd Celesta
₹5,000 + GST Invite only
Domestic Unlimited ₹1.5 lakh spend in the previous quarter
International 8 / year No spend needed
Priority Pass
Axis Bank
₹30,000 + GST Invite only Reviewed on CCT
Domestic Included No spend needed
International Unlimited No spend needed
Guests 4 guest visits a year
Priority Pass
Catch: Needs an Axis Burgundy relationship. Domestic access at select airports.
Standard Chartered
SC Priority Visa Infinite
No annual fee Invite only
Domestic 16 / year No spend needed
International 24 / year ₹30 lakh funds with SC that month
Priority Pass
Catch: For Priority Banking clients. Free international visits (2 a month) only with ₹30 lakh funds under management.
IndusInd Bank
IndusInd Indulge
₹10,000 + GST Invite only
Domestic 24 / year Linked to quarterly spend
International 16 / year No spend needed
Priority Pass
Catch: Domestic visits became spend-gated from July 2026.
IDFC FIRST Bank
IDFC FIRST Gaj
₹12,500 + GST Invite only
Domestic 16 / year No spend needed
International 16 / year No spend needed
Guests 1 domestic guest a quarter
Catch: Invite-only.
RBL Bank
RBL Nova
₹12,500 + GST Invite only
Domestic 12 / year No spend needed
International 12 / year No spend needed
Guests 4 international guest visits
Catch: Invite-only.
AU Small Finance Bank
AU Traverse (NRI)
₹4,999 + GST Members only
Domestic 8 / year No spend needed
International 8 / year No spend needed
Catch: For NRI customers only.
IndusInd Bank
IndusInd Pioneer Legacy
No annual fee Invite only
Domestic 4 / year ₹1.5 lakh spend in the previous quarter
International 8 / year No spend needed
BOBCARD
CMA One BOBCARD
No annual fee Members only
Domestic 12 / year No spend needed
Catch: Only for ICMAI members.
BOBCARD
ICAI Exclusive BOBCARD
No annual fee Members only
Domestic 12 / year No spend needed
Catch: Only for ICAI members.
BOBCARD
ICSI Diamond BOBCARD
No annual fee Members only
Domestic 12 / year No spend needed
Catch: Only for ICSI members.
IndusInd Bank
IndusInd Crest
₹10,000 + GST Invite only
Domestic 8 / year ₹5 lakh spend in the previous quarter
International Included No spend needed
LoungeKey
Catch: International access has no spend condition but the bank publishes no count.
AU Small Finance Bank
AU CA Credit Card
No annual fee Members only
Domestic 8 / year ₹50,000 spend in the previous quarter
Catch: Only for ICAI members.
AU Small Finance Bank
AU CS Credit Card
No annual fee Members only
Domestic 8 / year ₹50,000 spend in the previous quarter
Catch: Only for ICSI members.
HDFC Bank
PhonePe HDFC Ultimo
₹999 + GST Members only
Domestic 8 / year ₹75,000 spend in the previous quarter
Catch: Apply only through the PhonePe app. 2 visits a quarter after ₹75,000 previous-quarter spend.
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SBI Card
Doctor’s SBI Card (IMA)
₹1,499 + GST Members only
Domestic 4 / year No spend needed
International 4 / year No spend needed
Priority Pass
Catch: Only for Indian Medical Association members.
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SBI Card
Doctor’s SBI Card
₹1,499 + GST Members only
Domestic 4 / year No spend needed
International 4 / year No spend needed
Priority Pass
Catch: Only for registered doctors.
Axis Bank
Fibe Axis Bank
No annual fee Members only
Domestic 4 / year Linked to spend
Catch: Lifetime free, for Fibe app customers only.
SBI Card
Shaurya SELECT SBI Card
₹1,499 + GST Members only
Domestic 4 / year No spend needed
Catch: Only for defence personnel.
No card matches all of these filters. Reset filters
ⓘ How to read this: visits are per year for the primary cardholder unless stated. “Spend condition” means visits unlock only after the spend shown. Banks change lounge rules often — details were checked on 29 October 2026 from issuer pages and public card trackers; confirm on the bank’s site before you apply. Cards marked Illustrative image show a placeholder because the bank doesn’t publish a card image online. Cards whose new applications are paused (e.g. most American Express cards, Axis Atlas) or discontinued are not listed.
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