The best credit card with lounge access

Access to the airport lounge gives the feeling of being privileged. The only catch is to have a credit card with an enabled feature to access a lounge facility at the airport. Either you fall in the category of a frequent traveler or the opposite. The lounge facility at the airport is something no one wants to miss. Let’s explore the best Credit card with lounge facility.

So, why is there so much hype about these lounges? Well, airports are chaotic places to visit nowadays with long queues, luggage, lengthy layovers, and excessive crowds. But the airport lounges let you relax and find peace with a feeling of luxury exceeding the typical waiting area at the airport.

Everyone can enjoy this facility by just having the right credit card. I have analyzed the features of more than 20 cards and sorted the best five for you. These five cards are affordable and loaded with more features than the rest.

Documents criteria for credit cards are common for every provider. So, the general documents you need before applying for a credit card are:-

  1. KYC Documents (Pan & Aadhar)
  2. ITR for the Last 03 Years or Form 16 for the last 02 years
  3. Previous 03 months’ Salary Slip

Here are the Best Credit Cards with lounge Access;

FLIPKART AXIS CREDIT CARD
  1. Joining Fees: INR 500/- plus taxes
  2. Eligibility: INR 1.80 lacs per annum for salaried and INR 3.00 Lacs for non-salaried
  3. Welcome benefits: INR 600 benefit on Flipkart and Swiggy
  4. Cashback:
    • Unlimited 5% cash back on every Flipkart spends
    • Unlimited 4% cash back on every preferred partners (ClearTrip, Cult, PVR, Swiggy etc.)
  5. Airport Lounges: 04 Complimentary Airport lounge access in a calendar year

flipkart
APPLY
AXIS BANK SELECT CREDIT CARD
  1. Joining Fees: INR 3000/- plus taxes
  2. Eligibility: INR 1.80 lacs per annum for salaried and INR 3.00 Lacs for non-salaried
  3. Welcome benefits: 10,000 EDGE REWARD point worth INR 2000 on first transaction within 30 days
  4. Cashback/Rewards:
    • 10X edge points on every INR 200 spends
    • 2X on every retail INR 200 transaction
    • 20% off on BIGBASKET every month
    • INR 300 off on every second ticket on Book My Show every month
  5. Airport Lounges: 02 Complimentary domestic lounges/quarter

Axis Bank Select card
APPLY
MakeMyTrip ICICI Bank Signature Credit Card
  1. Joining Fees: INR 2500/- plus taxes
  2. Eligibility: Any proof of stable income preferably ITR
  3. Welcome benefits:
    • Bonus of 1,500 My Cash and MakeMyTrip holiday voucher worth Rs. 2,500
    • Complimentary MMT BLACK enrolment.
  4. Cashback/Rewards:
    • 1.25 My Cash on every domestic spend of INR 200.
    • 1.5 My Cash on every international spend of INR 200.
    • 25% on movie tickets through Bookmyshow & Inox (Maximum of INR 150) per month (Minimum 02 tickets)
    • 1% fuel surcharge waiver of up to Rs 4000 per month (HPCL pump only)
    • 1 My Cash = Re. 1
  5. Airport Lounges:
    • 01 complimentary international lounge access through Dreamfolks membership.
    • 02 complimentary access to domestic lounges per quarter (Minimum spend > INR 5000/quarter).
    • 01 complimentary railway lounge access every quarter.
MakeMyTrip ICICI Bank Signature Credit Card
APPLY
Tata Neu Plus HDFC Bank Credit Card
  1. Joining Fees: INR 499/- plus taxes
  2. Eligibility: INR 30000 salary/month or ITR > INR 6.00  Lacs/annum
  3. Welcome benefits: INR 499 NueCoins on the Tata Neu Application to be used within first 30 days of issuance.
  4. Cashback/Rewards:
    • 1% Fuel surcharge waiver at all fuel stations.
    • 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
    • 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends.
    • 1% back as NeuCoins on UPI spends (including spends on partner Tata Brands) – maximum of 500 NeuCoins per calendar month. 
    • Easy point redemption through Tata Brands (Air India Express, TATA CLIQ, Croma etc.)
  5. Airport Lounges: 04 complimentary lounge access at domestic airports at Metro cities.
tata neu e1708332117136
APPLY
HDFC REGALIA CREDIT CARD
  1. Joining Fees: INR 2500/- plus taxes
  2. Eligibility: 1 lac salary/month or ITR > INR 12.00  Lacs/annum
  3. Welcome benefits:
    • Reward point of INR 2500 to be claimed within 60 days.
  4. Cashback/Rewards:
    • 1% Fuel surcharge waiver at all fuel stations
    • 04 reward points on every Rs 150/- spent on retail including insurance
    • 7.5% savings on all your restaurant bill payments via Swiggy Dineout (20k+ restaurants)
    • 10,000 reward points on annual spent of INR 5.00 lacs
    • Easy point redemption through smart buy
  5. Airport Lounges: Up to 08 complimentary lounge access at domestic and international airports
Regalia
APPLY
CONCLUSION

The chronology of the above-listed cards doesn’t define them as good, better or best. All are best and have features that may be plus or minus for any individual as per their need. What do you think about these cards? Feel free to post your opinions below.

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