Best Credit Cards for Lounge Access
We ranked 85 cards for lounge access: ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. IDFC First Bank Millennia comes first with an effective reward rate of about 3.0%.
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| Card | Best rate | Annual fee | Apply |
|---|---|---|---|
| IDFC First Bank Millennia | 3.0% effective | ₹500 | Apply now |
| AU Small Finance Bank LIT | 2.0% effective | ₹0 | Apply now |
| AU Small Finance Bank Altura Plus | 1.5% effective | ₹499 | Apply now |
| Fi Visa Platinum | 1.0% effective | ₹0 | Apply now |
| AU Small Finance Bank Altura | 1.0% effective | ₹199 | Apply now |
| Yes Bank Yes First Exclusive | 1.5% effective | ₹1,999 | Apply now |
| Axis Bank Privilege | 1.2% effective | ₹1,500 | Apply now |
| HDFC Bank Millennia | 1.0% effective | ₹1,000 | Apply now |
| ICICI Bank Instant Platinum | 0.5% effective | ₹0 | Apply now |
| Indian Bank Platinum | 1.0% effective | ₹1,500 | Apply now |
Frequently asked questions
- Which is the best credit card for lounge access?
- Based on published rewards and fees, IDFC First Bank Millennia ranks first for lounge access.
- What reward rate can I get on lounge access?
- The top-ranked card works out to about 3.0% effective rewards.
- Are there lounge access cards with no annual fee?
- Yes. 3 of the ranked cards have no annual fee, including AU Small Finance Bank LIT.
- How are these cards ranked?
- Cards are ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. Cards whose reward rate is not published as a cash value are listed after cards with a known rate. Rankings use only published card data.
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