fbpx

Best credit cards for airport lounge access in 2022

Best credit cards for airport lounge access in 2022

Written by Roopya

Most credit cards for airport lounge access now provide a variety of bonuses and rewards, and with services like flexible installment tenure, settling the credit card payment is no more a worry. However, deciding which credit card is most suited to your requirements is really challenging. We prepared a collection of the top credit cards provided by major banking institutions in the nation, with lounge accessibility as a distinctive feature, to assist you to pick the ideal credit card depending on your tastes and financial level of comfort.

What do You get in Airport Lounge Access on Credit Card?

Extended layovers, as well as flight delays, may be quite inconvenient for a traveler. Airports are frequently busy, seating is uncomfortable, and food choices are extremely limited and pricey. To alleviate these inconveniences while waiting at an airport, you might enter one of the airport lounges. Nevertheless, if you’re not yet a member of a loyalty club or utilize a credit card that provides airport lounge membership, you will be asked to pay a fee to get free airport lounge access.

Credit cards for airport lounge access are the types of credit cards that provide free, or complimentary airport lounges accessibility as an extra benefit to the cardholder. Based on the type of credit card, you can utilize the credit card in domestic and international lounges to gain simple entry inside, far from the commotion and chaos. You may then refresh by resting on the nice seats and eating complimentary cuisine while waiting for your upcoming flight.

List of 11 Best Credit Cards for Airport Lounge Access

1. HDFC Visa Signature Credit Card

HDFC Visa Signature Credit Card

Features and Benefits:

  • Enjoy free airport lounge access all over the world.
  • Earn 2 Reward Points for every 150 INR spent.
  • Obtain Free Insurance Coverage
  • The credit card comes with two levels of insurance protection. They are as follows:
    • Accidental death coverage
    • Protection against fire and theft
  • Receive complimentary accidental death Insurance coverage of up to 50 lakh INR is available.
  • When you use your credit card for a minimum of four purchases of 100 INR or more in a month, the insurance kicks in. However, ATM transactions and e-commerce transactions are not permitted.
  • Get Fire and Burglary Coverage. Personal portable equipment is covered up to 25,000 INR, while every other asset is covered up to 2 lakh INR.  The asset acquired must be worth at least 5,000 INR for the insurance coverage to take effect.  This insurance is only applicable for 180 days from the date of purchase. This insurance is only applicable for 180 days from the date of purchase.
  • The Credit Card comes with up to three HDFC add-on credit cards. Thus, your entire family may benefit from this credit card.
  • When you pay 15,000 INR or more within the initial 90 days after receiving your credit card, the first-year charge will be waived.
  • When you pay 75,000 INR or more in the year preceding your membership renewal, your annual fee will be refunded to you.

Fees Structure:

  • Advance Cash Limit: 40% of the limit of credit
  • Grace Tenure: 50 days
  • Late Payment Fees:
    • For a balance up to the limit of 100 INR, the charge levied is 0 INR.
    • For a balance ranging between 101 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 5000 INR, the charge levied is 500 INR.
    • For a balance ranging between 5001 INR and 10000 INR, the charge levied is 600 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 800 INR.
    • For a balance exceeding the limit of 25000 INR, the charge levied is 950 INR.
  • Cash Processing Charges: 100 INR
  • Replacement Credit Card Issue Charges: 100 INR
  • Pre-closure Charges: 3% of the outstanding principal amount.
  • Rewards Redemption Fees: 99 INR / request
  • Eligibility:
    • For Salaried applicants, the age limit is 21 to 60 years.
    • For Self-employed applicants, the age limit is 21 to 65 years.

2. HDFC Bank Diners Club Black Credit Card

HDFC Diners Club Black Credit Card

Quick Link: Apply HDFC Diners Club Black Credit Card

Features:

  • A high-end credit card with several lifestyle perks.
  • Waiver of annual fees if certain spending targets are met.
  • Free unlimited access to over 800 national and international lounges.
  • Free golf matches on many Indian golf courses and throughout the world.
  • Miles may be exchanged with major airlines and hotels.
  • A death benefit of 2 crore INR is provided in the event of a flight accident.

Benefits:

  • For each 150 INR purchased, you will receive 5 Reward Points.
  • On all partnered brands, you may earn up to 10X Points.
  • Whenever you spend money on weekend eating, you receive twice as many reward points.
  • Golf activities are provided for free on multiple golf courses across the world. Every quarter, you receive 6 rounds.
  • You may save money at participating salons, spas, health retreats, as well as gyms.
  • If you spend 1.5 lakh INR during the initial 90 days of receiving the credit card, you will receive free yearly subscriptions from Forbes, Zomato Pro, Times Prime, Amazon Prime, and MMT BLACK.
  • On transactions of 400 INR or more, you will receive a 1% discount on the fuel surcharge. After spending 8 lakh INR within twelve months of the credit card’s issuance date, you will obtain free yearly subscriptions to Forbes, Zomato Pro, Times Prime, Amazon Prime, MMT BLACK, and Club Marriott.
  • Pay 5 lakh INR in one year and your renewal cost is eliminated.
  • Whether you are an existing or new credit card user, you may choose any 2 monthly coupons worth 500 INR from Ola Select, BookmyShow, or TataCLio Membership if you spend 80,000 INR.
  • You can reserve flights or make hotel bookings with over 150 hotels and airlines both overseas and national.
  • You may use your reward points to make flights or hotel rooms in a variety of ways both overseas and national.
  • You have unrestricted complimentary lounge visits to over 800 airport lounges throughout the world. Access is free for both primary and secondary credit card holders.
  • A total of 2 crore INR is covered for accidental death in the flight.
  • Credit liability coverage of up to a limit of 9 lakh INR.
  • 50 lakh INR for urgent foreign hospitalization.
  • Travel insurance coverage with luggage delay coverage of up to 55,000 INR is available.

Fees Structure:

  • Joining Fee: 10000 INR
  • Annual Fee: 5000 INR
  • Min Payment: 200 INR or 5% of the amount, whichever is a lower amount
  • Withdrawal of Cash Charges: 2.5% of the sum withdrawn. (The amount needs to be 500 INR or more.)
  • Add-on Credit Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 100 INR, the charge levied is 0 INR.
    • For a balance ranging between 101 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 5000 INR, the charge levied is 500 INR.
    • For a balance ranging between 5001 INR and 10000 INR, the charge levied is 600 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 800 INR.
    • For a balance ranging between 25001 INR and 50000 INR, the charge levied is 1100 INR.
    • For a balance exceeding the limit of 50000 INR, the charge levied is 1300 INR.
  • Over Limit Fees: 2.5% of the amount. (The minimum amount is 500 INR)
  • Payment Return Charges: 2% of the amount. (The minimum amount is 450 INR)
  • Overseas currency Fees: 1.99% of the amount
  • Cash Processing Charges: 100 INR
  • Replacement Card Issue Charges: 100 INR
  • Eligibility:
    • For Salaried applicants, the age limit is 21 to 60 years and the minimum net income is 1.75 lakh INR per month.
    • For Self-employed applicants, the age limit is 21 to 65 years and the minimum ITR is 21 lakh INR per annum.

3. Yatra SBI Credit Card

Yatra Sbi Credit Card

Features:

  • Yatra gives you 8,250 INR in coupons when you enroll.
  • Receive a 1,000 INR discount when you reserve a national flight costing at least 5,000 INR.
  • 4,000 INR discount is granted for overseas flight bookings of 40,000 INR or higher.
  • National hotel reservations of 3,000 INR and more qualify for a discount of 20%.

Benefits:

  • 2 x 500 INR coupons for domestic travel
  • Two coupons worth 1,000 INR each for an overseas flight.
  • 750 INR coupon that may be used to book accommodation.
  • 1,500 INR coupon for a national holiday bundle.
  • 3,000 INR coupon for an overseas vacation bundle.
  • For each 100 INR spent on Department Stores, Groceries, Restaurants, Movies, and Entertainment, you will receive 6 reward points. Each 100 INR spent on every other category earns you one Reward Point.
  • If you spent 1 lakh INR in a calendar year, your annual fee will be eliminated.
  • Each quarter, you will receive two complimentary airport lounge access at national airports.
  • Waiver of up to 100 INR in monthly fuel surcharges.
  • Air Accident Coverage of 50 lakh INR is provided as a gift.
  • Outstanding credit from other credit cards can be migrated to the Yatra SBI Credit Card using the ‘Balance Transfer’ feature.
  • Customer assistance is available 24 hours a day, seven days

Fees Structure:

  • Joining Fee: 499 INR
  • Annual Fee: 499 INR
  • Rate of Interest: 3.5% / month
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 500 INR, the charge levied is 0 INR.
    • For a balance ranging between 501 INR and 1000 INR, the charge levied is 400 INR.
    • For a balance ranging between 1001 INR and 10000 INR, the charge levied is 750 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 950 INR.
    • For a balance ranging between 25001 INR and 50000 INR, the charge levied is 1100 INR.
    • For a balance exceeding the limit of 50000 INR, the charge levied is 1300 INR.
  • Over Limit Fees: 2.5% of the amount. (The minimum amount is 600 INR)
  • Overseas currency fees: 3.5% of the amount
  • Cash Payment Charges: 199 INR
  • Replacement Card Issue Charges: 100 INR to 250 INR
  • Duplicate Statement Issue Charges: 100 INR
  • Eligibility:
    • Visit the SBI site’s ‘Simplyfier’ webpage.
    • Choose the benefits you want to receive with your credit card.
    • Input data about your net monthly income and expenses.
    • The credit card will be displayed on the website if you are qualified.

4. SBI Prime Advantage Credit Card

SBI prime advantage credit card

Quick Links: SBI Prime Advantage credit card review

Features:

  • Complimentary lounge visits to airport lounges.
  • Receive an interest-free credit term of up to 50 days, as well as an enhanced credit facility with a monthly interest rate of only 2.25%.
  • The ability to withdraw funds from Visa or Mastercard ATMs worldwide is enabled, with zero withdrawal restriction.
  • If you possess a fixed deposit bank account with any of the State Bank network of banks, you may quickly get authorized for the Credit Card.
  • Receive password-protected e-statements through email, and SMS notifications to your linked cellphone number. This feature will allow you to keep track of your financial activities more effectively.
  • Net Banking is a service that is offered.
  • Get a 2.5% fuel fee waiver on cash purchases ranging from 500 INR to 4000 INR at petrol outlets across the nation.
  • The credit cardholder gets a free Bill Pay service.
  • This credit card also offers a flexible feature, which allows any transaction to be turned into readily manageable payments.
  • Balance transfer facilities to your Credit Card are available at a reasonable interest rate.
  • This credit card is recognized globally, making it an ideal companion for frequent travelers.
  • The bank provides urgent credit card replacement facilities to credit card holders, particularly while they are traveling overseas.

Benefits:

  • With a credit card, you may receive lifestyle benefits. Receive 5 times more points when you use your credit card for purchases at department shops, restaurants, and so on.
  • Explore the chance to earn incredible rewards by accumulating 10 cash points for every 100 INR spent at diners, department shops, overseas outlets, and so on.
  • Receive access to 200+ golf courses around the world.
  • Receive a complimentary priority pass membership, which gives you complimentary lounge visits to over 600 national and international lounges.
  • As a welcome gift, you will receive an apparel voucher valued at 3000 INR or more.
  • Earn incentives on transactions like a complimentary one-way trip from IndiGo or clothing vouchers worth 3000 INR by using 4 to 5 lakh INR credit on your credit card on a yearly basis.
  • This exclusive credit card guarantees you openness when it comes to charges and fees. For example, you receive a complimentary priority pass membership. However, there is a 27 USD fee for using a member lounge of Priority Pass.

Fees Structure:

  • Joining Fee: 2999 INR
  • Annual Fee: 2999 INR
  • Interest-Free Term: 20 to 50 days
  • Advance Cash Fees: 300 INR or 3% of the sum withdrawn, whichever is the higher amount
  • Add-on Card Charges: 0 INR
  • Cheque Pickup Fees: 90 INR.
  • Charge Slip Retrieval Charges: 225 INR
  • Eligibility: The eligibility of a person is determined by his or her income and work. This credit card is easily accessible to anybody who holds a fixed deposit bank account with any banking institution affiliated with the State Bank.

5. SBI Platinum Corporate Card

SBI Platinum corporate Card

Features and Benefits:

  • The spend management technology, called Visa Intellilink, enables a business to examine spending patterns and effectively control costs. This will also aid in the avoidance of budget cutbacks.
  • The credit card holder may easily view his or her costs. This can aid in the prevention of violations as well as the enforcement of compliance.
  • The dashboard feature allows you to snap screenshots of important information.
  • Monitoring is available on a category-by-category basis, allowing businesses to bargain better terms as well as tariffs with vendors.
  • This exclusive credit card may be replaced anytime and from any location on the planet. It will be changed within 72 hours, if not sooner. There are no fees for distributing the card. It is sent in a very handy and straightforward manner. To replace a credit card, customers must contact the helpline or the Visa GCAS hotline.
  • Customers will be provided cash within 24 hours in the event of an emergency.
  • The card’s security measures guarantee that all transactions, whether conducted overseas or in the nation, are safe.
  • The credit cards include an inbuilt EMV chip as well as a unique identifier that the user must submit for all transactions. This function provides security against counterfeiting and scam.
  • Customers can simply get the complimentary priority pass membership by submitting an annual fee of 180 INR plus any relevant taxes. It offers national and international airport lounge access.
  • The use charge will be billed at 27 USD plus any applicable fees.
  • Unlimited lounge access at over 600+ airports across the world.
  • A specialized staff of Relationship Managers, as well as Service Desk Directors, is on hand to provide support and help.
  • All across the world, people can get emergency cash.
  • It is fairly simple to disable the credit card if it is stolen.
  • Restrictions can be set on a daily, monthly, or weekly basis to ensure that all expenditure stays within the defined parameters.
  • Customers can limit their use of credit cards to purchases of jewelry, gambling, and so forth. Consumers can limit credit card usage to these merchants in this method.

Fees Structure:

  • Joining Fee: 0 INR
  • Annual Fee: 0 INR
  • Finance Charge: 3.35% / month
  • Withdrawal of Cash Charges:
    • 450 INR or 2.5% of the sum withdrawn for national ATMs
    • 450 INR or 3% of the sum withdrawn for overseas ATMs
  • Late Payment Fees:
    • For a balance up to the limit of 200 INR, the charge levied is 0 INR.
    • For a balance ranging between 201 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 1000 INR, the charge levied is 400 INR.
    • For a balance ranging between 1001 INR and 1000 INR, the charge levied is 500 INR.
    • For a balance exceeding the limit of 10000 INR, the charge levied is 750 INR.
  • Over Limit Fees: 0 INR for corporate credit cards
  • Reward Redemption Charges: 99 INR
  • Customs Duty Fees: 2.25% of the amount. The amount needs to be 75 INR or more.
  • Priority Pass Charges: 180 INR / year
  • Replacement Card Issue Charges: 0 INR
  • Duplicate Statement Issue Charges: 100 INR
  • Eligibility: The age limit for the primary applicant is 18 years to 70 years. However, if there’s any add-on credit card holder, then he or she needs to be at least 15 years old. Also, the primary credit cardholder needs to be legally an Indian citizen.

6. Axis Bank Miles and More World Credit Card

Axis bank miles and more credit card

Quick Links: Axis Bank Miles and More Credit Card Review

Features and Benefits:

  • The credit card provides customers with an appealing welcome gift program.  You may earn up to a limit of 55,000 miles with a credit card in the initial year. These points can be exchanged for interesting prizes.
  • A total of 4000 miles will be granted as an annual bonus.
  • When you use your credit card for everyday purchases, you will earn reward miles. For each 200 INR spend, you will receive 6 reward miles.
  • You’ll be happy to hear that the reward miles have no expiration date, so you may keep them for a lifetime.
  • With the Priority Pass lounge membership, you may enjoy over 600 national and international airport lounge access. Your priority pass membership will be immediately granted to you upon your credit card activation. 4 complimentary lounge visits to Priority Pass lounges per year will be granted. The extensive redemption options include aircraft ticket purchases & upgrades, hotel reservations, online and offline purchases at partner businesses, vehicle rentals, and so on.
  • With the ‘Dining Delights’ scheme, you may receive a least 15% rebate at participating restaurants.
  • To improve your luxury living experiences, this credit card has a specialized concierge service that may help you with travel & hotel bookings, gift delivery, and a variety of other services.
  • This card has a CHIP & PIN function for enhanced protection against fraudulent activity. The CHIP & PIN functionality enables the card to operate and save information in an encrypted fashion. A PIN is encoded on the CHIP, and only the user knows it. This card may be used at various merchant outlets.
  • You may settle all of your utility bills using the Bills Pay services every month by placing standing instructions on your credit card.
  • If your fuel purchases range between 400 INR and 4,000 INR, you can get a 1% fuel fee refund. This rule applies to all fuel stations in the country.
  • For every purchase of 2,500 INR or more, you have the choice of transferring it to installments, which you can pay off later.
  • With this credit card, you get extensive insurance coverage.

Fees Structure:

  • Joining Fee: 10000 INR
  • Annual Fee: 4500 INR
  • Finance Charge: 2.95% / month
  • Withdrawal of Cash Charges: 2.5% of the sum withdrawn. (The sum needs to be 250 INR or more)
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 2000 INR, the charge levied is 300 INR.
    • For a balance ranging between 2001 INR and 5000 INR, the charge levied is 400 INR.
    • For a balance exceeding the limit of 5000 INR, the charge levied is 600 INR.
  • Over Limit Fees: 3% of the amount. (The minimum amount is 500 INR)
  • Outstation Cheque Charges: Waived
  • Overseas currency fees: 3.5% of the amount
  • Cash Payment Charges: 100 INR
  • Replacement Card Issue Charges: 0 INR
  • Duplicate Statement Issue Charges: 100 INR
  • Eligibility: The age limit for the primary applicant is 18 years to 70 years. However, if there’s an add-on credit card holder, then he or she needs to be at least 15 years old. Also, the primary credit card holder needs to be legally an Indian resident or Non-Resident Indian.

7. Axis Bank Privilege Credit Card

Axis Bank Privilege Credit Card

Quick Links:  Details of Axis Bank Privilege Credit Card

Features and Benefits:

  • This is a deluxe lifestyle credit card that offers perks in a variety of lifestyle areas such as travel, perks, dining, and so on.
  • When annual spending reaches 4 lakh INR, the annual charge for the following year is canceled.
  • 2 complimentary airport lounges access every quarter at specified domestic airports.
  • Up to a 20% rebate on certain restaurants through the ‘Dining Delights’ plan.
  • Insurance coverage of 2.5 crore INR or more.
  • After completing three purchases with the credit card within sixty days of issuance, you will receive 12,500 points that can be exchanged for 5,000 INR in Yatra vouchers.
  • The points earned on purchases worth 2.5 lakh INR may be turned into Yatra coupons worth twice as much.
  • Each credit card renewal will earn you points up to an amount of 3,000.
  • You will receive 10 points for each 200 INR spent using the credit card. This is true for local as well as foreign activities. The points gained can be exchanged for a limited number of items.
  • With the bank’s ‘Extraordinary Weekends,’ you can experience the greatest of premium benefits.
  • The fuel fee is waived for petrol transactions between 400 INR and 4,000 INR made with the credit card. Nevertheless, the maximum monthly waiver is 400 INR.
  • The EMV function on the credit card safeguards it against deceptive practices.
  • You may also convert any transactions that surpass 2,500 INR into installments.
  • The credit card comes with insurance coverage that includes air accident coverage up to a limit of 2.5 crore INR, purchase coverage up to 1 lakh INR, missing credit card liability of 3 lakh INR, travel documents loss up to a limit of 300 USD, check-in luggage delay up to a limit of 300 USD and checked-in luggage loss up to 500 USD.

Fees Structure:

  • Joining Fee: 1500 INR
  • Purchase Charges: 2.95% / month
  • Withdrawal of Cash Charges: 2.5% of the sum withdrawn. (The sum needs to be 250 INR or more.)
  • Late Payment Fees:
    • For a balance up to the limit of 300 INR, the charge levied is 0 INR.
    • For a balance ranging between 301 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 1000 INR, the charge levied is 500 INR.
    • For a balance ranging between 1001 INR and 1000 INR, the charge levied is 500 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 750 INR.
    • For a balance ranging between 25001 INR and 50000 INR, the charge levied is 1000 INR.
    • For a balance exceeding the limit of 50000 INR, the charge levied is 1000 INR.
  • Over Limit Fees: 500 INR or 2.5% of the amount, whichever is the higher amount
  • Bounce or Returned Cheque Charges: 300 INR / return or bounce
  • Cash Transaction Fees: 100 INR
  • Replacement Card Issue Charges: 0 INR
  • Eligibility: The age limit for the primary applicant is 18 years to 70 years. However, if there’s any add-on credit card holder, then he or she needs to be at least 18 years old. Also, the primary credit card holder needs to be legally an Indian resident with a net annual income of 6 lakh INR or more.

8. Axis Bank Signature Credit Card

Axis Bank Signature Credit Card

Read more: About Axis Bank Signature Credit Card

Features:

  • The Card is equipped with an EMV-approved chip, which significantly decreases the possibility of potential fraud. The card is also PIN secured, so you can rest certain that your cash is secure.
  • With the free insurance coverage worth 2.55 crore INR, cardholders can rest easy. Air Accident Coverage, Purchase Coverage, Lost Card Responsibility, Loss of Travel Documentation, Delayed Check-in Luggage, as well as Theft of Checked-in Baggage, are all included.
  • Customized concierge products will help you wherever you are on the globe. Whenever you want help, simply go online or call the expert concierge care executives who will walk you through the operations you require or any faults you may encounter.
  • You will have entry to the International Visa Global Card Assistance as a cardholder. The services will come in handy if you are traveling overseas and find yourself in a difficult circumstance. You may notify the theft of your card, obtain urgent cash transfers, and have an emergency duplicate card mailed to your abroad address.
  • With the Card, you won’t have to stress about making a large transaction. Just call your bank to transfer any purchase worth 2,500 INR or more into installments.

Benefits:

  • To receive a free IndiGo Airlines coupon, use your Card within the limit of 45 days after receiving it. Within three weeks of using your credit card, you should get your e-voucher through email/SMS.
  • Enjoying films has never been more exciting. When you utilize your Card, you will receive a 25% refund on theatre tickets. In a year, you are eligible to a total of 1000 INR.
  • Eat out frequently with the Card’s fantastic savings at so many restaurants, such as Golden Leaf, Casablanca, and Barista.
  • Display your Credit Card to take advantage of the Visa Deal, which grants you complimentary lounge access around India. Priority pass membership provides you with accessibility to 700+ VIP complimentary lounge access in over 90 nations and 275 locations across the world. Only the Main Cardholder is eligible for the priority pass membership unlimited lounge access.
  • When you have the Card, you may save money on fuel. Buy fuel at any petrol outlet in the nation, pay with your Card, and receive a return. This discount is only available for transactions ranging from 400 INR to 4000 INR. You can receive a total monthly bonus of 400 INR.

Fees Structure:

  • Joining Fee: 5000 INR
  • Annual Fee: 0 INR
  • Withdrawal of Cash Charges: 2.5% of the sum withdrawn. (The sum needs to be 250 INR or more.)
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 2000 INR, the charge levied is 300 INR.
    • For a balance ranging between 2001 INR and 5000 INR, the charge levied is 400 INR.
    • For a balance exceeding the limit of 5000 INR, the charge levied is 600 INR.
  • Over Limit Fees: 3% of the amount. (The minimum amount is 500 INR)
  • Cash Payment Charges: 2.5% of the sum withdrawn. (The sum needs to be 250 INR or more.)
  • Replacement Card Issue Charges: Waived
  • Duplicate Statement Issue Charges: Waived
  • Eligibility: The age limit for the primary applicant is 18 years to 70 years. However, if there’s any add-on cardholder, then he or she needs to be at least 18 years old. Also, the primary cardholder needs to be legally an Indian resident with a net annual income of 9 lakh INR or more. Meeting this qualifying condition isn’t the only stumbling block. The bank possesses the authority to reject or accept a credit card application for a variety of reasons.

9. IndusInd Bank Platinum Aura Credit Card

IndusInd Bank Platinum Aura Credit Card

Apply Now: IndusInd Cards

Features and Benefits:

  • As a welcome gift, you will receive EazyDiner certificates. Vero Moda, as well as Bata, also provide coupons.
  • When you utilize your credit card to purchase fuel, you will receive a 1% reduction in the fuel fee.
  • For each 100 INR spent on partnered merchant category, you can earn up to four times greater reward points.
  • Baggage loss is covered up to 1 lakh INR. Baggage delay is covered for up to 25,000 INR. The theft of passports is covered by the insurance up to 50,000 INR. The value of a lost ticket is covered up to 25,000 INR. The loss of a connection is covered for up to 25,000 INR. Air Accident Coverage is covered up to a maximum of 25 lakh INR.
  • Aura Platinum Shop Package
  • Platinum Aura Home Package
  • Aura Platinum Party Package

Fees Structure:

  • Joining Fee: 500 INR
  • Annual Fee: Not Applicable
  • Rate of Interest: 46% per annum
  • Change of Plans Charges: 250 INR
  • Advance Cash Charges: 2.5% of the amount. (The amount needs to be 300 INR or more.)
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 100 INR, the charge levied is 0 INR.
    • For a balance ranging between 101 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 1000 INR, the charge levied is 350 INR.
    • For a balance ranging between 1001 INR and 10000 INR, the charge levied is 550 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 800 INR.
    • For a balance ranging between 25001 INR and 50000 INR, the charge levied is 1100 INR.
    • For a balance exceeding the limit of 50000 INR, the charge levied is 1300 INR.
  • Over Limit Fees: 2.5% of the amount. (The amount needs to be 500 INR or more.)
  • Bounce or Returned Cheque Charges: 250 INR / return or bounce
  • Eligibility:
    • For Salaried applicants, the minimum net income requirement is 30,000 INR per month.
    • For Self-employed applicants, the minimum net income requirement is 30,000 INR per month.

10. IndusInd Bank Platinum Select Credit Card

IndusInd Bank Platinum Select Credit Card

Features and Benefits:

  • IndusInd Bank, in collaboration with Bookmyshow, provides complimentary movie tickets to Platinum cardholders. Each month, Bookmyshow provides a purchase one, receive one free film ticket promotion. Each month, you may get up to two free film tickets. The ticket price is limited to 200 INR.
  • As a welcome gift, you will receive EazyDiner certificates. You will have accessibility to Luxe Gift Cards.
  • With IndusInd Bank’s fee waiver scheme, you may avoid paying surcharges on fuel transactions at filling stations across the nation. The 1% surcharge exemption applies to all fuel purchases ranging from 400 INR to 4,000 INR.
  • The ‘Total Protect’ service provides comprehensive security against every unauthorized transaction that occurs in the event of a stolen or lost card. The coverage covers you for up to a limit of 48 days before you report a loss.
  • With this card, cardholders would receive free personal air accident insurance of 25 lakh INR apart from complimentary lounge access.
  • Baggage loss is covered up to 1 lakh INR. Baggage delay is covered for up to 25,000 INR. The theft of passports is covered by the insurance up to 50,000 INR. The value of a lost ticket is covered up to 25,000 INR. The loss of a connection is covered for up to 25,000 INR.

Fees Structure:

  • Joining Fee: 3000 INR
  • Annual Fee: 0 INR
  • Rate of Interest: 3.83% / month
  • Withdrawal of Cash Charges: 300 INR or 2.5% of the sum withdrawn, whichever is the higher amount
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance up to the limit of 100 INR, the charge levied is 0 INR.
    • For a balance ranging between 101 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 1000 INR, the charge levied is 350 INR.
    • For a balance ranging between 1001 INR and 10000 INR, the charge levied is 550 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charge levied is 800 INR.
    • For a balance ranging between 25001 INR and 50000 INR, the charge levied is 1100 INR.
    • For a balance exceeding the limit of 50000 INR, the charge levied is 1300 INR.
  • Over Limit Fees: 2.5% of the amount. (The minimum amount is 500 INR)
  • Bounce or Returned Cheque Charges: 250 INR / return or bounce
  • Overseas currency fees: 3.5% of the amount
  • Cash Payment Charges: 100 INR
  • Replacement Card Issue Charges: 100 INR
  • Duplicate Statement Issue Charges: 100 INR
  • Eligibility: To be eligible for the credit card, you must be at least 18 years old, maintain a decent credit rating, and have a steady source of income. The specific qualifying requirements will be conveyed to you when you apply for credit cards.

11. HDFC Superia Credit Card

HDFC Superia Credit Card

Features and Benefits:

  • When you pay the annual fee, you will receive 1,000 points as a welcome gift.
  • You will receive 1,000 points if you submit the renewal cost for the following year.
  • Through the KrisFlyer – Singapore Frequent Flyer Plan, you may use the points acquired on your card to book tickets on over 20 foreign airlines.
  • You may also exchange your points for AirMiles which may be redeemed for AirIndia tickets. The miles could also be used for flying vouchers on other major domestic carriers.
  • When you use your card to dine, you will receive 50% additional points.
  • The 1% fuel levy is removed on all fuel purchases with a minimum purchase limit of 400 INR.
  • The highest reward for petrol purchases is 500 INR every statement cycle.
  • The first-year membership charge would be eliminated if you spent 15,000 INR within 90 days of signing up.
  • Spend 75,000 INR in the initial year and your annual fee for the following year will be eliminated.
  • You will receive 3 points for each 150 INR spent on credit cards.
  • These points may be exchanged for air miles on over 20 different international and local airlines.
  • These points which are added will be effective for two years.

Fees Structure:

  • Annual Fee: 1000 INR
  • Revolving Credit Charges: 3.49% / month
  • Advance Cash Charges: 500 INR or 2.5% of the sum withdrawn, whichever is the higher amount
  • Add-on Card Charges: 0 INR
  • Late Payment Fees:
    • For a balance upto the limit of 100 INR, the charges levied is 0 INR.
    • For a balance ranging between 101 INR and 500 INR, the charge levied is 100 INR.
    • For a balance ranging between 501 INR and 5000 INR, the charge levied is 500 INR.
    • For a balance ranging between 5001 INR and 10000 INR, the charge levied is 600 INR.
    • For a balance ranging between 10001 INR and 25000 INR, the charges levied is 800 INR.
    • For a balance exceeding the limit of 25000 INR, the charge levied is 950 INR.
  • Return of Payment Fees: 2% of the amount. (The minimum amount is 450 INR)
  • Reward Redemption Charges: 99 INR / request
  • Overseas currency fees: 3.5% of the amount
  • Cash Processing Charges: 100 INR
  • Replacement Card Issue Charges: 100 INR
  • Eligibility:
    • For Salaried applicants, the age limit is 21 to 60 years.
    • For Self-employed applicants, the age limit is 21 to 65 years.
    • If there’s any add-on card holder, then he or she needs to be at least 15 years old. Also, the primary cardholder needs to be legally an Indian resident or Non-Resident Indian.

Frequently Asked Questions

1. What are Credit Cards?

A credit card can be defined as a sort of credit facility offered by institutions that allow clients to borrow money up to a pre-determined credit limit. The best aspect is that credit cards are widely recognized and, when used wisely, provide significant financial independence.

2. Where can you use Credit Cards with complimentary lounge access?

Credit cards can be used for any legal purpose. Owning a credit card might help you manage your money amid a financial crunch. It enables you to access cash, makes transactions, and return the cash at a later date.

3. How to apply for Credit Cards with free airport lounge access?

In order to apply for credit cards, you need to visit the online website of the bank or NBFC whose card you are going to buy. All you need to do is to fill up the card application and submit the joining fee.

A credit card is an important tool for people living an active lifestyle. Not only does it provide you with the means to buy things you need and have, but it has also now become a channel of providing benefits to its credit cardholders in return. A few years ago, almost all credit cards were offering rewards and incentives that were strictly monetary in nature. Today, with the advent of several new schemes, credit cards are emerging as more than just a tool for paying bills. Rather, it’s being used as a means to cater to certain other specific needs. One such major non-monetary incentive that is currently in vogue is free airport lounge access.

A good number of us can best be described as travelers. Either for work, on business, or to visit family and friends. Nowadays, the experience of flying is anything but fun. A crowded plane, delays, and long waits between flights are just a few reasons why you dread having to travel for business or leisure. But an elite credit card from one of India’s most prestigious companies could put some joy back into flying by granting you free airport lounge access with your family and friends. That’s why, when signing up for a new credit card, you should make it your primary concern to find one with complimentary airport lounge access.

 

 16,346 

Leave a Comment

Your email address will not be published. Required fields are marked *

Leave a Comment

Your email address will not be published. Required fields are marked *

Personal Loan

Best Fuel Credit Cards in India 2022

In a world where everything is going at an extremely high pace,

April 5, 2022
Personal Loan

Best Credit Cards for Online Shopping in 2022

Everyone loves shopping, and even more when they have the best deals

April 4, 2022
Personal Loan

Best Zero Annual Fee Credit Cards in 2022

Carrying cash has become an outdated concept, especially when

March 28, 2022