FD Credit Cards with 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. Also, if you are looking for a RuPay credit card that offers lounge access, explore the best RuPay credit cards for lounge access.

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

1. IDFC FIRST WOW! Black Credit Card

Minimum 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

2. Tata Neu Infinity HDFC Bank Credit Card

Minimum 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

3. AU NOMO Credit Card

Minimum 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

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.