Best Credit Card for Lounge Access: Top Picks & Updated Guide

Key takeaways
 

1. Choose the card that fits your needs. Whether you prefer a no-fee card to save money on travel or a premium card for luxury benefits, the choice is yours.

2. The best cards offer extras like guest access to lounges and great travel benefits, including no foreign transaction fees. 

3. We have a card for every type of traveller, providing unlimited access to railway lounges to ensure your comfort and convenience while you travel.

The best credit cards for lounge access offer complimentary admission to upscale airport lounges worldwide, significantly enhancing the travel experience.

Example:

Aman, a frequent traveller, can make the most of his waiting time by enjoying free meals, Wi-Fi, and a peaceful space before his flight. It’s a great way to either relax or get some work done!

Key pointers to evaluate these cards include:
 

• Annual Visit Quota: The number of free complimentary accesses per year.
   
• Network Coverage: The range of participating domestic and international lounges.
   
• Guest Access: Policy on whether you can bring a guest for free.
   
• Card Type: Distinction between complimentary access and paid programs that offer discounts.

When choosing the best credit card for lounge access, look for one that offers a generous visit quota and a wide range of airport lounges to enjoy. Additionally, good guest policies can enhance your travel experience even further!

 

In this blog, we’ll dive into these key features and share our top picks for the best credit cards that give you access to airport lounges. Stay tuned for our updated list of the Top 6 Credit Cards with Airport Lounge Access (Aug 2025)!

Top 6 Credit Cards with Airport Lounge Access (2025)!

Consider these cards your pass to peace at the airport, providing free access to abundant lounges where you can relax, rejuvenate, and refuel before your flight. They transform hectic travel days into moments of peaceful luxury with the best credit card for lounge access.
 

1. Axis Atlas Credit Card

The Axis Atlas Credit Card is a top-notch travel card that rewards those who spend a lot with special perks like lounge access and travel miles.

Take Rajat, for example.

He spends ₹15,00,000 a year and reaches the Platinum Tier. This means he can enjoy up to 18 complimentary lounge visits in India and 12 internationally each year, making every airport wait feel like a treat.

Table:

Here’s a quick look at the tier-wise access:
 

In the end, the Axis Atlas's best Credit card offers lounge access is ideal for individuals like Rajat who know how to maximise their spending to enjoy great rewards. 
 

2. AU Zenith+ Credit Card

The AU Zenith+ Credit Card is the perfect travel buddy, giving you access to lounges and tremendous benefits when you’re travelling abroad. 

Take Sundar, for example:

He’s a frequent flyer who loves the convenience and savings the card offers. 

Table:

Here’s a quick look at the card’s fantastic annual lounge access:
 

This setup guarantees that Sundar can relax like a VIP on nearly every trip, whether at home or overseas. With a low 0.99% forex markup and top-notch airport services, the AU Zenith+ Credit Card is a standout option for anyone who loves to travel.

Bonus Tip: Among the numerous premium credit cards that offer airport lounge access, the AU Zenith+ stands out due to its increased frequency of access. The card's comprehensive array of reward points, extensive travel benefits, and a remarkably low foreign exchange markup fee of 0.99% collectively render it an exceptional option for international travellers.

 

3. SBI Card Miles Elite

The SBI Card Miles Elite is a must-have for travel enthusiasts! It offers excellent rewards for frequent flyers, turning everyday spending into travel credits and excellent lounge access. For someone like Nitin, that's a game-changer!

Table:

Check out the key features and lounge access in the table below:
 

Nitin can enjoy extra lounge visits with this card, which is fantastic for getting more value. While it’s a standout for travel rewards, it doesn’t have as many other perks. And that’s a quick overview of the SBI Card Miles Elite!

4. Scapia Federal Bank Credit Card

The Scapia Credit Card is an excellent choice for travellers who want to save. It’s a lifetime-free card with no annual fees, perfect for someone like Rakesh who wants to keep costs down. 

Plus, it offers fantastic travel benefits, like no foreign exchange fees and easy access to airport lounges. It’s all about rewarding your spending while you explore!

Table:

The card's prime features are summarised below:
 

Rakesh really benefits from this combination; it allows him to enjoy lounge visits while keeping costs down on his international travels. In the end, the Scapia Federal Bank Credit Card is a great no-fee option for travellers and the best credit card for lounge access.

5. Ixigo AU Credit Card

For those who frequently take the bus or train, the Ixigo AU Credit Card is a great option. You can access exclusive lounges, which are ideal for waiting times, and the card is free for life, meaning there are no annual fees. 

This card provides excellent value on daily trips for travellers on a tight budget like Amber.

Table:

Here's a quick overview of its main benefits:
 

Amber can save on transportation costs while enjoying the comforts of a lounge without any annual fees. This makes it a perfect starter card for ixigo fans, and this is the best credit card for lounge access.

6. YES Bank Marquee Credit Card

With unmatched lounge access and high reward points on all purchases, including those that are usually excluded, the YES Bank Marquee Credit Card is a high-end, all-purpose card. It offers special worldwide travel benefits to a wealthy person like Vikas.

Table:

The card's exceptional lounge benefits are summarised below:
 

The broad access, along with rewards for rent and utilities, gives Vikas incredible value, making it one of the best premium options available. That's a wrap on our review of the YES Bank Marquee Credit Card and this is the best credit card for lounge access.

Bonus Tip: This credit card offers unlimited international lounge access, as well as a substantial number of domestic lounge visits. Notably, the allowance of eight guest visits per annum is a significant advantage.
 

Conclusion

Which card, then, is your ideal match?  There is a card that suits your trip, regardless of whether you travel frequently abroad or are a frugal domestic traveller.  The best credit card lounge access depends on your travel preferences and spending patterns. 

Choose premium for unparalleled luxury.  If you love simplicity with tremendous value, a no-fee card is your winner.  Make informed decisions to make every airport wait enjoyable. 

FAQs

Is there a credit card with unlimited lounge access?

Cards like the Scapia Card offer unlimited domestic lounge access (on meeting a minor spend criteria), while the YES Marquee offers unlimited international access.

Do I have to pay an annual fee for these cards?

It varies. Some cards like Scapia and ixigo, are lifetime free, while others, like Axis Atla, have fees that can often be waived based on your annual spending.

What is a Priority Pass?

Priority Pass is an independent program that provides access to a global network of airport lounges. Many credit cards give a complimentary Priority Pass membership.

Are railway lounge accesses also included?

Yes, some unique cards like the ixigo AU Credit Card specifically include complimentary railway lounge access in addition to airport lounges.

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.