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Best Credit Cards with Airport Lounge Guest Access

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Top Credit Cards with Guest Visits to Airport Lounges

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Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card

Travel

Premium

Rewards

Low foreign currency markup fee of 1.5%'s IconLow foreign currency markup fee of 1.5%

Unlimited access in India and abroad's IconUnlimited access in India and abroad

15 EDGE rewards for every Rs. 200 spent's Icon15 EDGE rewards for every Rs. 200 spent

Joining Fee IconJoining Fee: 50,000+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 50,000+ Taxes

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*Terms & Conditions

 YES Private Credit Card

YES Private Credit Card

Travel

Premium

Rewards

2X rewards on international spends's Icon2X rewards on international spends

Unlimited domestic & international visits's IconUnlimited domestic & international visits

Exclusive privileges with premium hotels's IconExclusive privileges with premium hotels

Joining Fee IconJoining Fee: 50,000+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 10,000+ Taxes

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*Terms & Conditions

Travel

Premium

Rewards

Accor Plus, Club Marriott & Taj Hotel Membership's IconAccor Plus, Club Marriott & Taj Hotel Membership

Unlimited access in India and abroad's IconUnlimited access in India and abroad

15 EDGE rewards for every Rs. 200 spent's Icon15 EDGE rewards for every Rs. 200 spent

Joining Fee IconJoining Fee: 50,000+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 50,000+ Taxes

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*Terms & Conditions

Travel

Premium

Rewards

Up to 3.33% savings on everyday spends's IconUp to 3.33% savings on everyday spends

Unlimited lounge visits in India & abroad's IconUnlimited lounge visits in India & abroad

Free stays at ITC & Elivaas Hotels's IconFree stays at ITC & Elivaas Hotels

Joining Fee IconJoining Fee: 15,000+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 25,000+ Taxes

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*Terms & Conditions

Kotak Solitaire Credit Card

Kotak Solitaire Credit Card

Travel

Premium

Rewards

Up to 10% rewards as Air Miles on travel spends's IconUp to 10% rewards as Air Miles on travel spends

Unlimited access with up to 4 guest visits's IconUnlimited access with up to 4 guest visits

Free stays and discounts on luxury hotels's IconFree stays and discounts on luxury hotels

Joining Fee IconJoining Fee: 0+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 25,000+ Taxes

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Credit Cards with Airport Lounge Guest Access: Features & Benefits

Given below are the best credit cards with airport lounge access for guest with their features and benefits:

1. Axis Bank Reserve Credit Card


Annual Fee: Rs. 50,000 (waived on Rs. 35 lakh annual spends)

Airport Lounge Access Benefit: 

  • 12 free guest visits each to domestic and international lounges respectively per year
  • Unlimited domestic lounge and Priority Pass membership with unlimited international lounge visits for both primary and add-on cardholders

Other Features & Benefits:

  • 30 EDGE Reward Points per Rs. 200 spent internationally; 15 Points on other spends
  • Low forex mark-up of 1.5% with 8 free airport VIP assistance services
  • Complimentary memberships to ITC Culinaire, Accorplus, Club Marriott Asia Pacific and EazyDiner Prime
  • 15% off on room rates, anytime check in and check out, and other benefits at Postcard Hotels
  • Buy 1 Get 1 free movie and non-movie tickets on BookMyShow, 5 times each a month
  • 50 free golf rounds per year across select golf courses in India

2. YES BANK Private Credit Card


Annual Fee: Rs. 10,000 (waived on Rs. 25 lakh annual spends)

Airport Lounge Access Benefit: 

  • Total 12 free guest visits per year to domestic/international lounges
  • Unlimited domestic lounge visits for both primary and add-on cardholders and unlimited international lounge visits

Other Features & Benefits:

  • 40 reward points per Rs. 200 spent internationally; 20 points on other spends
  • Low forex mark-up of 0.50%
  • Up to 35% off on car rental via Avis and Hertz Car Rental
  • Discount offers on cruise bookings via Avalon Waterways and private air charter bookings via Vitesse Worldwide
  • Room upgrades, complimentary meals, hotel credits, etc. at leading hotels like Hyatt, Shangri-la, etc. 
  • Airport services like priority check-in, lounge access, VIP meet and greet, and many more
  • 12 complimentary green fees in a year (max. 3 per quarter) at some of the best golf courses across the country
  • Up to 12 free golf lessons and 12 free green fees per year with 4 green fee access for guests
  • B1G1 offer on movie ticket and 50% off on event tickets on BookMyShow

3. Axis Bank Burgundy Private Credit Card

Axis-Bank-Burgundy-Private-Credit-Card-1
Annual Fee:
Rs. 50,000 (Nil for Burgundy Private account holders)

Airport Lounge Access Benefit:

  • 12 free guest visits each to domestic and international lounges respectively per year
  • Unlimited domestic lounge and Priority Pass membership with unlimited international lounge visits for both primary and add-on cardholders

Other Features & Benefits:

  • 15 EDGE Reward points per Rs. 200 spent
  • Zero forex mark-up fee
  • Complimentary Club Marriott, Accor Plus and Taj Epicure hotel and dining memberships
  • 8 free airport meet and assist services per year
  • Up to 15% off and other benefits at The Postcard Hotels
  • Up to 30% off on domestic and international airport transfer services
  • 50 complimentary domestic and 4 international golf rounds every year
  • B1G1 offer on BookMyShow ticket for 5 movie and 5 non-movie tickets per month
  • Up to 25% savings via complimentary EazyDiner Prime membership
  • Medical specialist consultations for second opinions and diagnoses at leading medical institutions
  • 24×7 concierge services for flight bookings, table reservations, gift deliveries, etc.

4. Standard Chartered Beyond Credit Card


Annual Fee:
Rs. 25,000

Airport Lounge Access Benefit:

  • 4 free guest visits each to domestic and international lounges respectively per year
  • Unlimited Priority Pass international and domestic lounge visits for both primary and add-on cardholders

Other Features & Benefits:

  • Up to 15% cashback on duty-free spends and 2% forex mark-up
  • 5 reward points per Rs. 150 spent; 1:1 redemption ratio
  • 3 reward points per Rs. 150 spent on utilities, supermarkets, insurance, property management, schools and govt. Payments
  • Discounted stays at ITC Hotels & Elivaas Luxury Villas and VIP guest status at VISA Luxury Hotel Collection under Visa benefit
  • Up to 25% off on dining via EazyDiner, up to Rs. 2,500 once per month
  • Buy 1 get up to Rs. 1,000 off on 2nd movie/event tickets at BookMyShow, once a month
  • Up to 24 free golf games per year

5. Kotak Solitaire Credit Card


Annual Fee:
Nil for Solitaire Program customers (Rs. 25,000 otherwise)

Airport Lounge Access Benefit:

  • 2 free guest visits each to domestic and international lounges respectively per year
  • Unlimited international and domestic lounge visits for both primary and add-on cardholders

Other Features & Benefits:

  • 10 Air Miles per Rs. 100 on flight/hotel bookings made via Kotak Unbox
  • 3 Air Miles per Rs. 100 spent on other categories
  • Up to 1:1 reward redemption ratio for travel bookings
  • Zero forex mark-up fee
  • 50% off on the 2nd night or free 3rd night of the stay at ITC Hotels and Elivaas Villas
  • Kotak Solitaire Concierge services for travel, lifestyle and other experiences

Other Cards Offering Guest Access to Airport Lounges

YES BANK Marquee Credit CardBrush

YES BANK Marquee Credit Card

Joining Fee: 9999

Travel

Travel

Premium

Premium

Rewards

Rewards

  • 36 YES Rewardz Points per Rs. 200 spent online & 18 on offline spends
  • Up to 24 domestic & unlimited international airport lounge visits per year
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Travel

Travel

Premium

Premium

Rewards

Rewards

  • 3% reward rate on all spends
  • Unlimited lounge access
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SBI Aurum Credit CardBrush

SBI Aurum Credit Card

Joining Fee: 9999

Travel

Travel

Premium

Premium

Rewards

Rewards

  • Unlimited international lounge access
  • 4 free movie tickets every month
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IDFC FIRST Private Credit CardBrush

IDFC FIRST Private Credit Card

Joining Fee: 50000

Travel

Travel

Premium

Premium

Shopping

Shopping

  • Complimentary Club ITC Culinaire Select and Accor Plus Explorer Membership
  • Unlimited international & domestic airport lounge access
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Axis Magnus Credit CardBrush

Axis Magnus Credit Card

Joining Fee: 12500

Travel

Travel

Premium

Premium

Rewards

Rewards

  • Unlimited international & domestic lounge visits with 4 additional guest visits
  • Up to 60 EDGE reward points per Rs. 200
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IDFC FIRST Mayura Credit CardBrush

IDFC FIRST Mayura Credit Card

Joining Fee: 5999

Travel

Travel

Lounge Access

Lounge Access

Rewards

Rewards

  • Zero forex markup fee
  • Up to 8 international, 16 domestic (+4 guest visits) lounge access per year
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Top Credit Cards with Zero Forex Mark-up Fee

Travel

Travel

Lounge Access

Lounge Access

Lifetime Free

Lifetime Free

  • 20% rewards on travel spends made on Scapia app
  • Zero forex markup fee on international transactions
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ixigo AU Credit Card Brush

ixigo AU Credit Card

Joining Fee: 0

Travel

Travel

Lifetime Free

Lifetime Free

  • 10% discount on travel bookings at Ixigo
  • Zero foreign exchange markup fee
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BOBCARD Scapia Credit CardBrush

BOBCARD Scapia Credit Card

Joining Fee: 0

Travel

Travel

Lounge Access

Lounge Access

Lifetime Free

Lifetime Free

  • 20% rewards on travel spends made on Scapia app
  • Zero forex markup fee on international transactions
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Travel

Travel

FD-backed

FD-backed

Rewards

Rewards

  • Zero foreign exchange markup fee
  • Up to 50X bonus reward points on travel bookings
Read More
Check Eligibility

Top Credit Cards for Travel

Axis Bank Horizon Credit CardBrush

Axis Bank Horizon Credit Card

Joining Fee: 3000

Travel

Travel

Rewards

Rewards

  • Up to 32 visits to domestic and 8 to international airport lounges annually
  • Up to 5 EDGE Miles per Rs. 100 spent; 1 EDGE Mile = 1 Partner Point
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HSBC TravelOne Credit CardBrush

HSBC TravelOne Credit Card

Joining Fee: 4999

Travel

Travel

Rewards

Rewards

  • Up to 12% savings on travel bookings via HSBC Rewards Marketplace
  • Up to 20% off on Zomato, Yatra, EaseMyTrip, etc.
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Travel

Travel

Dining

Dining

Cashback

Cashback

  • 6% cashback on travel and dining spends
  • Unlimited 1% cashback on all other spends, including UPI
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Travel

Travel

Premium

Premium

Rewards

Rewards

  • Unlimited airport lounge access for primary and add-on members
  • High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent
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Travel

Travel

  • Up to 6 Avios on every Rs. 200 spent
  • Up to 36,000 bonus Avios as milestone benefit
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Things to Know in Credit Cards That Offer Lounge Access

Though airport lounge access should not generally be the sole deciding factor behind choosing the best-suited card but rather the overall value-back on your spends, you should still keep the following in mind while analysing the airport lounge benefit on your card:

  • Applicability: Not all credit cards offer complimentary airport lounge access and lounge entry eligibility varies significantly across different card variants, even within the same issuing bank.
  • Domestic vs. International Access: Clearly differentiate where you can use your card. Some credit cards restrict free lounge entry exclusively to domestic airport lounges, while others provide a mix of both domestic and international lounge access. So, make sure to check the benefit’s scope.
  • Capped vs. Unlimited Visits: Most entry-level and mid-tier cards cap your visits for every quarter. For instance a card offering 4 domestic lounge visits per year, may cap them at 1 visit per quarter. Generally, only premium cards offer unlimited airport lounge visits.
  • Spend-based Milestones: Many credit cards now unlock your complimentary lounge access only when you reach a specific spending milestone in the preceding calendar quarter or month. For instance, a card may offer 2 domestic lounge visits per quarter on spending minimum Rs. 50,000 in the previous quarter.
  • Lounge Memberships: For international travel, many cards offer a complimentary membership to lounge networks like Priority Pass or LoungeKey without any free visits or vice versa. So, a free membership does not automatically mean free visits and free visits may still require you to purchase lounge membership first. Unless explicitly stated, actual lounge visits in either of these situations may be charged in case of a few credit card variants. 
  • Primary vs. Guest Access Rules: In most cases, airport lounge credit cards offer complimentary entry only to the primary cardholder. If you are traveling with family, your companions (guests) or add-on cardholders will be charged standard lounge walk-in rates unless your card specifically offers complimentary visits to the guests or add-on cardholders.

Pro Tip: Always check the latest list of eligible lounges, along with the respective airport terminals, as issued by the card provider. The complimentary lounge access is usually restricted to select partner airport lounges only.

Compare Top Credit Cards for Airport Lounge Access

icon image of Axis Atlas Credit CardBrush

Axis Atlas Credit Card

Joining Fee: 5000 onwards

bulletTravel
bulletLounge Access
bulletRewards
Vs
icon image of Axis Bank Horizon Credit CardBrush

Axis Bank Horizon Credit Card

Joining Fee: 3000 onwards

bulletTravel
bulletRewards
icon image of Federal Bank Scapia Credit CardBrush

Federal Bank Scapia Credit Card

Joining Fee: 0 onwards

bulletTravel
bulletLounge Access
bulletLifetime Free
Vs
icon image of ixigo AU Credit CardBrush

ixigo AU Credit Card

Joining Fee: 0 onwards

bulletTravel
bulletLifetime Free
icon image of YES BANK Marquee Credit CardBrush

YES BANK Marquee Credit Card

Joining Fee: 9999 onwards

bulletTravel
bulletPremium
bulletRewards
Vs
icon image of AU Zenith+ Credit CardBrush

AU Zenith+ Credit Card

Joining Fee: 4999 onwards

bulletTravel
bulletMovies
bulletRewards
icon image of IndusInd Bank Avios Visa Infinite Credit CardBrush

IndusInd Bank Avios Visa Infinite Credit Card

Joining Fee: 10000 onwards

bulletTravel
Vs
icon image of SBI Card Miles EliteBrush

SBI Card Miles Elite

Joining Fee: 4999 onwards

bulletTravel
bulletLounge Access
bulletRewards

FAQs

What is guest access to airport lounges on a credit card?

Complimentary guest access on a credit card allows a cardholder to bring an accompanying traveller along with them to an airport lounge, either free of charge or at a discounted rate, depending on the card's terms and conditions.

Do all airport lounge credit cards offer guest access?

No, while many travel and all-rounder credit cards offer complimentary lounge access to the primary or even add-on cardholders, only select cards extend these lounge privileges to the guests. Though the number of complimentary guest visits and eligibility criteria vary across cards.

Is guest lounge access available at both domestic and international airports?

The guest lounge access availability depends on the credit card variant. Some cards offer guest access only at domestic lounges, while premium travel cards may provide guest privileges at both domestic and international airport lounges.

Are guest lounge visits completely free?

Not always, certain cards offer complimentary guest visits to airport lounges, whereas others may charge a fee after the free guest visit limit is exhausted.

Which type of credit cards usually offer guest airport lounge access?

Premium travel and super-premium credit cards are more likely to offer guest lounge access benefits. Entry-level and mid-range cards generally focus on providing lounge access only to the credit cardholders.

How can I check if my credit card offers guest lounge access?

You can refer to your credit card's features and benefits section, welcome kit, issuer's website, or lounge program terms to verify whether guest lounge access is available and under what conditions.

What should I consider when choosing a credit card with guest lounge access?

While free guest visits to airport lounges are a lucrative benefit, you should also compare its terms and conditions like lounge network coverage, domestic and international access, spending conditions, along with the overall travel and other lifestyle benefits offered by the card before choosing the best-suited option.

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