FD Credit Cards with Airport Lounge Access

FD-backed credit cards with airport lounge access are a good option for consumers who want travel benefits without high income or credit score requirements. These cards are secured against a fixed deposit and may offer complimentary lounge access at airports, depending on the bank and card type. They are a decent choice for consumers who want to avail a card that offers basic travel benefits while building credit history safely.

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About Airport Lounge Access

Airport lounge access is a travel-related benefit offered with select credit cards including secured and unsecured variants, enabling eligible cardholders to access designated airport lounges. This benefit can provide a more comfortable airport experience while waiting for a flight, subject to the terms and conditions of the card issuer and lounge program. The availability of lounges, number of visits, eligibility criteria, and access methods may vary depending on the specific credit card and associated benefits.

Top FD Credit Cards with Airport Lounge Access

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IDFC FIRST WOW! Black Credit Card

4_/5

Travel

FD-backed

Rewards

Joining fee ₹750|Renewal Fee ₹750

16.7% savings on travel

Zero forex markup fee

25% off on movie tickets

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4_/5

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Tata Neu Infinity HDFC Bank Credit Card

4_/5

Shopping

Joining fee ₹1,499|Renewal Fee ₹1,499

Save up to 10% on Tata Neu Spends

Up to 5% value-back on other spends

Complimentary lounge access worldwide

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4_/5

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AU NOMO Credit Card

4_/5

FD-backed

Rewards

Joining fee ₹199|Renewal Fee Lifetime Free

Low foreign exchange markup fee of 0.99%

8 domestic airport lounge visits yearly

2 Reward Points per Rs. 100 spent on retail

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Key Features and Benefits of FD Credit Cards with Airport Lounge Access

Some of the key features and benefits of FD credit cards that offer airport lounge access are mentioned below:

IDFC FIRST WOW! Black Credit Card

FD Amount: Rs. 20,000
Annual Fee: Rs. 750 + Taxes

Key Features and Benefits:

4 complimentary domestic airport lounge visits annually on a minimum monthly spend of Rs. 20,000
Zero forex markup fee
50 bonus reward points for every Rs. 150 spent on hotel bookings via IDFC FIRST Bank mobile app
30 bonus reward points per Rs. 150 spent on flight bookings via IDFC FIRST Bank mobile app
4 reward points per Rs. 150 spent online and offline

Tata Neu Infinity HDFC Bank Credit Card

FD Amount: Rs. 15,000
Annual Fee: Rs. 1,499 + Taxes

Key Features and Benefits:

8 complimentary domestic lounge visits per year
4 complimentary international lounge visits every year
Low forex markup fee of 2%
5% NeuCoins on non-EMI spends made via Tata Neu and partner Tata brands
Additional 5% NeuCoins on transactions through the Tata Neu app or website after downloading the app and registering for Tata NeuPass

AU NOMO Credit Card

FD Amount: Rs. 10,000
Annual Fee: Nil

Key Features and Benefits:

8 complimentary domestic airport lounge visits per year
8 complimentary railway lounge access per year
Low forex markup fee of 0.99%
2 Reward Points per Rs. 100 spent on retail purchases
1 Reward Point per Rs. 100 spent on utility and insurance transactions

How to apply for an FD-backed Credit card?

Steps to apply for an FD-backed credit card are mentioned below:

Step 1: Open a Fixed Deposit (FD) with the bank where you want to apply for the secured credit card.
Step 2: Ensure the bank offers an FD-backed (secured) credit card facility.
Step 3: Apply for the credit card through the bank’s website, mobile app, or by visiting the nearest branch.
Step 4: Submit the required KYC documents along with your FD details for verification.
Step 5: Wait for the bank to verify your FD and personal details and approve the application.
Step 6: Receive the credit card and activate it to start using it within the FD-linked limit.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Which FD credit cards offer airport lounge access in India?

Popular options include IDFC FIRST WOW! Black Card, Tata Neu Infinity HDFC Bank Credit Card, and AU NOMO Credit Card. They offer domestic and sometimes international lounge visits along with basic rewards and travel benefits.

How much FD is needed for these credit cards?

The required FD is usually low and varies by bank. It starts around Rs. 10,000 for AU NOMO, Rs. 15,000 for HDFC Tata Neu Infinity, and Rs. 20,000 for IDFC FIRST WOW! Black Card.

What lounge benefits do these FD credit cards offer?

Depending on the card, you can get 4 to 8 complimentary domestic lounge visits annually. Some cards also include international or railway lounge access along with travel-related rewards and benefits.

Do FD-backed credit cards help build credit history?

Yes, these cards are a safe way to build or improve your credit score. Since they are secured against your FD, responsible usage and timely payments help create a strong credit profile over time.

How can I apply for an FD-backed credit card?

First, open an FD with the bank offering the card. Then apply online or offline, submit KYC documents, link your FD, and wait for approval. Once issued, activate the card and start using it.