1. BOBCARD Eterna

Annual Fee: Nil
Joining Fee: Nil

Key Features and Benefits

• Unlimited free domestic lounge visits on spending Rs. 40,000 in the previous quarter
• 15 Reward points on every Rs. 100 spent on online shopping, travel, dining, and international spends
• 3 Reward points on every Rs. 100 spent on other spends
• Extra 12 Reward points on every Rs. 100 spent on flights and an additional 30 Reward points on hotels booked through BOBCARD SmartDeal

BOBCARD Eterna is a lifetime free credit card and offers unlimited access to domestic airport lounges upon meeting the quarterly spend requirement. Cardholders can also earn accelerated reward points on travel, dining, online shopping, and international spends, along with extra rewards on flight and hotel bookings through BOBCARD SmartDeal. 

2. Federal Bank Scapia Credit Card

Annual Fee: Nil
Joining Fee: Nil

Key Features and Benefits

• Unlimited domestic airport lounge access on spending at least Rs. 20,000 per month 
• Zero Forex Mark-up 
• 20% Scapia Coins on all the travel bookings made on the Scapia app
• 10% Scapia Coins on online and offline transactions worth Rs. 20 or more made across all merchants in India via Visa card
• Up to Rs. 1,000 back as rewards on shopping, dining, and spa services at domestic airports on a monthly spend of Rs. 20,000
• Up to Rs. 2,000 back as rewards on duty-free shopping and dining at international airport terminals in India on every Rs. 50,000 spent on an international flight ticket via Scapia app

Federal Bank Scapia Credit Card is a lifetime free travel credit card designed for frequent travellers who want to save on both domestic and international trips. Its standout feature is zero forex markup. Cardholders can also avail unlimited domestic airport lounge access by meeting the monthly spending requirement. This Federal Bank credit card is ideal for travellers seeking travel-focused rewards without annual fees.

3. Ixigo AU Credit Card

Annual Fee: Nil
Joining Fee: Nil

Key Features and Benefits:

• 1 complimentary international lounge access every year
• 8 complimentary domestic airport lounge visits every year on spending Rs. 20,000 in a quarter
• 10% discount on flight bookings up to Rs. 1,000 on Ixigo platform, every month
• 10% off on hotel bookings up to Rs. 1,000 via Ixigo, every month
• Zero forex markup fee

Ixigo AU Credit Card is a lifetime free travel card and offers zero forex markup, 1 international lounge access per year, and 8 domestic lounge visits annually after spending Rs. 20,000 per quarter. Consumers also get monthly discounts on flights and hotels booked via Ixigo. This lifetime free RuPay credit card is best for budget travellers who want lounge access and savings on travel bookings without paying any annual or joining fees.

4. Tata Neu Infinity HDFC Bank Credit Card

Annual Fee: Rs. 1,499 + Taxes
Joining Fee: Rs. 1,499 + Taxes 

Key Features and Benefits

• 8 free domestic lounge visits yearly, capped at 2 per quarter, on spending Rs. 50,000 in the previous quarter
• 4 complimentary international lounge visits every year, capped at 1 per quarter
• Low forex markup fee of 2%
• 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands 
• Additional 5% back as NeuCoins on transactions made on Tata Neu App/Website
• 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
• 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant

Tata Neu Infinity HDFC Bank Credit Card is a premium travel and lifestyle card best suited for frequent shoppers and travellers. It offers domestic and international airport lounge access, along with a low forex markup fee of 2%. Cardholders can earn NeuCoins rewards on Tata Neu and partner brands, plus additional rewards on other spends and UPI transactions. With strong benefits on shopping, travel, and digital payments, this card is ideal for consumers who are looking for a RuPay credit card and regularly shop within the Tata ecosystem and want lounge access along with decent cashback-style rewards. 

5. BOBCARD Tiara

Annual Fee: Rs. 2499 + Taxes
Joining Fee: Rs. 2499 + Taxes

Key Features and Benefits

• Unlimited free domestic lounge visits on spending Rs. 40,000 in a quarter
• Low forex mark-up fee of 2%
• Annual memberships of Amazon Prime/ Jio Hotstar, and Gaana Plus
• 3 months Swiggy One membership, once per year
• 15 reward points per Rs. 100 spent on dining, travel & internationally
• 3 reward points per Rs. 100 spent on other categories

BOBCARD Tiara Credit Card is a premium lifestyle and travel card ideal for frequent travellers and online spenders. It offers unlimited domestic airport lounge access on meeting the quarterly spend requirement and a low 2% forex markup for international usage. Cardholders also get valuable memberships like Amazon Prime / Jio Hotstar, and Swiggy One.  This card suits those who want lounge benefits, entertainment perks, and strong rewards in one package.

6. YES BANK RESERV Credit Card

Annual Fee: Rs. 2499 + Taxes
Joining Fee: Rs. 2499 + Taxes

Key Features and Benefits

• 12 complimentary domestic lounge visits per year on a min. spend of Rs. 1 Lakh in the previous quarter
• 6 complimentary international lounge visits per calendar year
• 24 YES Rewardz Points per Rs. 200 spent on online shopping
• 12 YES Rewardz Points per  Rs. 200 spent on offline spends
• 6 YES Rewardz Points per Rs. 200 spent on select categories

YES BANK RESERV is a lifestyle and travel credit card. It offers domestic and international airport lounge access, including up to 12 domestic and 6 international visits annually based on spending criteria. Cardholders can earn accelerated YES Rewardz points on online, offline, and select category spends. This card is best suited for consumers who want travel, lounge benefits, and rewards on regular spending categories. 

7. Reliance SBI Card PRIME 

Annual Fee: Rs. 2,999 + Taxes
Joining Fee: Rs. 2,999 + Taxes

Key Features and Benefits

• 8 complimentary domestic airport lounges per calendar year 
• 4 international airport lounge access per calendar year 
• 20 reward points per Rs. 100 spent on AJIO and JioMart Online Store 
• 10 reward points per Rs. 100  spent on the participating Reliance Retail Stores
• 5 reward points per Rs. 100 spent on Dining, Movies & Entertainment, Domestic Airlines and International Spends
• 2 reward points for every Rs. 100 spent on other retail spends

Reliance SBI Card PRIME is designed for frequent travellers, offering 8 complimentary domestic airport lounge visits and 4 international lounge accesses each year. It offers travel-related spending with reward points on domestic airlines and international transactions. Cardholders additionally benefit across partner spends at Reliance Retail. Overall, it offers airport lounge access and travel-focused rewards that add value to both domestic and international trips.

8. ICICI Bank Sapphiro Credit Card

Annual Fee: Rs. 3,500 + Taxes
Joining Fee: Rs. 6,500 + Taxes

Key Features and Benefits

• 2 complimentary international airport lounge visits per year and Priority Pass membership
• 4 complimentary domestic airport lounge visits per quarter on reaching Rs. 75,000 quarterly spends
• Buy 1 ticket and get up to Rs. 500 off on the second ticket on BookMyShow
• 1 free golf round per Rs. 50,000 spent on retail in the previous month 

ICICI Bank Sapphiro Credit Card offers international lounge access via Priority Pass and multiple domestic lounge visits after meeting spend criteria. Cardholders also get movie discounts on BookMyShow and free golf rounds based on monthly spends. With decent travel perks and lifestyle benefits, this card is ideal for consumers who want a card that offers lounge access. 

9. IndiGo SBI Card ELITE

Annual Fee: Rs. 4,999 + Taxes
Joining Fee: Rs. 4,999 + Taxes

Key Features and Benefits

• Up to 8 domestic lounge visits every year, max. 2 per quarter on min. Rs. 1 lakh spends in the previous quarter
• Up to 6 international lounge visits every year, max. 2 per quarter
• 7 IndiGo BluChips on IndiGo website/app
• 3 IndiGo BluChips on hotel/lodging bookings and travel MCCs
• 2 IndiGo BluChips on all other categories

IndiGo SBI Card ELITE is a co-branded credit card designed for frequent flyers of IndiGo. It offers domestic and international airport lounge access with spend-based eligibility, making travel more comfortable. Cardholders earn IndiGo BluChips on IndiGo bookings, hotels, and other spends, helping them save on future flights. With strong travel-focused rewards and lounge benefits, this card is best suited for regular IndiGo travellers who want flight savings, lounge access, and premium travel perks despite the higher annual fee.

10. PNB LUXURA RuPay Metal Credit Card

Annual Fee:  Rs. 7,500 + Applicable taxes
Joining Fee: Rs. 9,000 + Applicable taxes

Key Features and Benefits:

• Up to 8 domestic lounge visits per year, max. 2 per quarter
• 4 international lounge visits per year
• 12 reward points on every Rs. 100 spent on travel & dining
• 4 reward points on every Rs. 100 spent

PNB LUXURA RuPay Metal Credit Card is designed for consumers who want to avail access to domestic and international airport lounges. Cardholders earn accelerated rewards on travel and dining, plus additional points on other purchases. With its metal design, this card is best suited for consumers who want travel perks, lounge access, and decent rewards, though it comes with a high annual and joining fee.