1. Axis Atlas Credit Card

Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000

Lounge Access Benefits:

Axis Atlas comes with a tier-based model depending on your yearly spends, where you reach begin with Silver Tier on spending Rs. 3 Lakh or more, Gold Tier on spending Rs. 7.5 Lakh or more and Platinum Tier on spending Rs. 15 Lakh or more in a year. Here’s how the lounge access benefit varies for different tiers:

• International Lounge Visits: 4 for Silver Tier, 6 for Gold Tier and 12 for Platinum Tier Cardholders
• Domestic Lounge Visits: 8 for Silver Tier, 12 for Gold Tier and 18 for Platinum Tier Cardholders

Other Key Features & Benefits:

• 2 EDGE Miles for every Rs. 100 spent across all categories
• 2 EDGE Miles for every Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
• 5 EDGE Miles for every Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
• 2,500 bonus EDGE Miles on making the first transaction within 37 days of card setup
• EDGE Miles can be converted loyalty points with select airlines and hotels in 1:2 ratio
• 1 EDGE Mile = Rs. 1 for making travel bookings via Axis Bank’s Travel EDGE Platform

Axis Atlas is one of the best travel credit cards in India offering 5% value back on travel spends and 2% back on other categories in the form of EDGE Miles. Accumulated miles can be transferred to loyalty program partners, including some leading airlines and hotels. In addition to spend-based travel benefits, Atlas also offers a significant number of free airport lounge access in India as well as overseas.

The card works on a unique tier-based structure, hence it is a great option for travellers who can put maximum spends on the card and reach a higher tier with a higher number of complimentary lounge visits, along with enhanced travel benefits.

2. Axis Bank Horizon Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Lounge Access Benefits:

• 8 complimentary international lounge visits every year (2 per quarter)
• 32 complimentary domestic lounge visits in a year (8 per quarter) for Visa Signature cardholders
• 24 complimentary domestic lounge visits every year (6 per quarter) for Mastercard World cardholders

Other Key Features & Benefits:

• 5 EDGE Miles per Rs. 100 spent on Travel EDGE portal and direct airline websites/counters
• 2 EDGE Miles per Rs. 100 on other spends
• 5,000 EDGE Miles on the first transaction worth Rs. 1,000 or more within 30 days of card issuance
• Bonus 1,500 EDGE Miles as renewal benefit

Axis Bank Horizon Credit Card is one of the best airline-agnostic credit cards with airport lounge access offering value-back in the form of EDGE Miles. Cardholders can earn EDGE Miles on every spend and redeem them against various travel partners. The card offers 5% value back on travel bookings and a base rate of 2% on other spends.

Also, the number of complimentary domestic airport lounge visits is notably higher than other cards with a similar annual fee, and the annual bonus EDGE Miles further enhances the card’s overall value.

3. IndusInd Bank Avios Visa Infinite Credit Card

Joining Fee: Rs. 40,000
Annual Fee: Rs. 10,000

Lounge Access Benefits:

• 2 international lounge visits every quarter with complimentary Priority Pass membership
• 2 complimentary domestic airport lounge visits every quarter

Other Key Features & Benefits:

• 5 Avios for every Rs. 200 spent at select preferred international destinations for PoS transactions
• 2 Avios for every Rs. 200 spent on Qatar Airways & British Airways website and app
• 1 Avios per Rs. 200 spent on online spends on select preferred international destinations, domestic & other international destinations and other categories
• 10% discount on flight bookings through Qatar Airways, on choosing Qatar Airways Privilege Club as the preferred airline loyalty programme
• 10% additional discount for Privilege Club members on all flights originating from India, if booked via Qatar Airways platform
• Low forex markup fee of 1.5%
• 2 complimentary meet-and-greet services per year at leading international airports

IndusInd Bank Avios Visa Infinite Credit Card is a premium card designed for frequent travellers. Unlike typical co-branded airline cards, it partners with two major airlines—Qatar Airways and British Airways. Depending on your preferred airline and travel destinations, you can earn accelerated rewards and benefits.

Beyond airline-specific benefits, the card offers a reasonable number of lounge visits annually, making it well-suited for frequent travellers. It also offers other benefits like a low forex markup fee and bonus Avios points through renewal and milestone rewards, which can be redeemed for travel bookings.

4. SBI Card Miles Elite

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

Lounge Access Benefits:

• 8 complimentary domestic airport lounge visits every year (Max. 2 visits per quarter)
• Additional domestic lounge visit with every spend of Rs. 1 Lakh, capped at 15 in a year
• Complimentary Priority Pass membership with 6 complimentary international airport lounge visits every year (Max. 2 visits per quarter)

Other Key Features & Benefits:

• 6 Travel Credits per Rs. 200 on travel spends
• 2 Travel Credits per Rs. 200 on other spends
• 5,000 Travel Credits on spending Rs. 1 Lakh within 30 days of card issuance
• 20,000 bonus Travel Credits on annual spends of Rs. 12 Lakh
• Low forex markup fee of 1.99%

SBI Card Miles Elite is one of the best SBI credit cards for airport lounge access, allowing cardholders to earn accelerated rewards on travel spends and transfer points at a 1:1 ratio. The card offers value back as travel credits, which can be redeemed across various partner loyalty programs for hotels and airlines.

One of its standout features is the complimentary lounge access, including up to 15 additional domestic lounge visits as a milestone benefit, making it ideal for frequent travellers. However, aside from lounge access, the card offers limited benefits, which may feel insufficient given its annual fee of Rs. 4,999.

5. Scapia Federal Bank Credit Card

Joining Fee: Nil
Annual Fee: Nil

Lounge Access Benefits:

• Unlimited domestic airport lounge access on spending at least Rs. 5,000 in a month

Other Key Features & Benefits:

• 10% Scapia Coins on all online & offline spends
• 20% Scapia Coins on travel bookings through the Scapia app
• Zero forex mark-up fee

Scapia Federal Bank Credit Card is an excellent option for those seeking a lifetime-free credit card with access to airport lounges and good value-back on travel expenses. The highlighting feature is zero forex markup on international transactions—a benefit typically offered on premium or super-premium cards.

In addition to accelerated rewards, offering 20% back in Scapia Coins on travel spends, the card offers unlimited domestic lounge access on spending Rs. 5,000 per month—a relatively achievable milestone. Altogether, this credit card is a convenient and rewarding choice for frequent travellers.

6. YES Bank Marquee Credit Card

Joining Fee: Rs. 9,999
Annual Fee: Rs. 4,999 (Waived off on annual spends of Rs. 10 Lakh)

Lounge Access Benefits:

• Up to 24 complimentary domestic lounge visits (6 per quarter) in a year for primary and add-on card users
• Unlimited complimentary international lounge visits for both primary as well as add-on cardholders
• 8 complimentary domestic or international lounge visits in a year for guests

Other Key Features & Benefits:

• 36 YES Rewardz Points for every Rs. 200 spent online
• 18 YES Rewardz Points for every Rs. 200 spent offline
• 10 YES Rewardz Points per Rs. 200 spent on select categories
• Low forex markup fee of 1%
• Up to 12 complimentary golf lessons in a year at select golf courses in India
• 4 complimentary green fee waivers at select golf courses in India

YES Bank Marquee Credit Card offers benefits primarily centered around rewards and travel. Cardholders receive a welcome bonus of 60,000 reward points on activation, and unlike many other cards, this one includes typically excluded categories—such as rent, insurance payments, and utility bills—in its rewards program.

This is also one of the credit cards with unlimited international lounge access and a high number of domestic lounge visits, with the 8 guest visits per year standing out as a significant benefit.

Cardholders can also avail benefits on golf, movies, and dining, making it an excellent choice for those seeking an all-around premium credit card with a relatively lower annual fee.

7. BOBCARD Etihad Guest Premium

Joining Fee: Rs. 5,000 + Taxes
Annual Fee: Rs. 5,000 + Taxes

Lounge Access Benefits:

• 12 domestic lounge visits per year, max. 3 per quarter
• 8 international lounge visits per year, max. 2 per quarter

Other Key Features & Benefits:

• Zero forex markup fee
• 6 Miles for every Rs. 100 spent on Etihad Airways
• 2 Miles for every Rs. 100 spent domestically and internationally
• 500 bonus Miles if the sum of any 4 monthly transactions is Rs. 50,000, once every month
• 4,000 bonus Miles on Rs. 3 lakh quarterly spends, once per quarter
• 24,000 bonus Miles on Rs. 12 lakh annual spends, every year
• 1,000 bonus Miles on flying twice with Etihad in a year, every year

BOBCARD Etihad Guest Premium Credit Card is a travel-focused card made for frequent flyers, especially on Etihad Airways. It offers complimentary airport lounge access, with up to 12 domestic lounge visits per year and 8 international lounge visits annually. Along with lounge benefits, it comes with zero forex markup fee, making international spending more affordable. Besides this, the card also offers 6 Miles per Rs. 100 spent on Etihad Airways bookings and 2 Miles per Rs. 100 on all other domestic and international spends.

Suggested Read: Best HDFC Credit Cards with Lounge Access

8. AU Zenith+ Credit Card

Joining Fee: Rs. 4,999
Annual Fee: Rs. 4,999 (Waived off on spending Rs. 8 Lakh in a year)

Lounge Access Benefits:

• 16 complimentary international airport lounge visits every year using Priority Pass (Max. 4 per quarter)
• 16 complimentary domestic airport lounge access every year

Other Key Features & Benefits:

• 2 reward points per Rs. 100 spent on travel, dining, and international spends
• 1 reward point per Rs. 100 on retail spends across all merchant categories
• Low forex markup fee of 0.99%
• End-to-end airport VIP check-in with 4 complimentary services per year
• 1,000 reward points and complimentary Taj Epicure membership as milestone benefits
• Luxury brand vouchers or reward points worth Rs. 5,000 on the card activation
• 8 complimentary golf games or lessons every year

AU Zenith+ Credit Card is a premium card offering benefits across multiple categories, like international travel, movies, dining, and more. The travel benefits offered on this card are at par with up to 16 complimentary domestic as well as international lounge visits, a low forex markup fee, 2X reward points on international spends, and complimentary VIP services at the airport.

While many premium credit cards offer airport lounge access, AU Zenith+ stands out with its higher frequency. Overall, the combination of reward points, extensive travel benefits, and a low forex markup fee of 0.99% makes this card an excellent choice for international travellers.

10. IDFC FIRST Mayura Credit Card

Joining Fee: Rs. 5,999 + Taxes
Annual Fee: Rs. 5,999 + Taxes

Lounge Access Benefits:

• Up to 16 complimentary domestic airport lounge and spa visits in a year, up to 4 per quarter, including 1 guest visit
• Up to 16 complimentary international lounge visits in a year, maximum 4 per quarter

Other Features and Benefits

• Zero forex markup fee
• 10X reward points on monthly spends above Rs. 20,000 and on birthday spends
• 5X reward points on monthly spends up to Rs. 20,000
• 3X reward points on spends worth Rs. 2,000 or more made through FIRST Digital Credit Card, rent, wallet load, education, and government spends
• 3X reward points on rent, wallet load, education, and government spends
• Up to 24 golf rounds/lessons per year, capped at 2 per month

IDFC FIRST Mayura Credit Card is a premium lifestyle and travel card designed for frequent travellers. It offers complimentary airport lounge access, with up to 16 domestic lounge and spa visits per year (including guest access) and 16 international lounge visits annually. Along with lounge benefits, it comes with zero forex markup fee. Consumers can also earn 5X to 10X reward points on everyday spends, with extra benefits on higher monthly spends and birthday purchases. The card further adds lifestyle perks like up to 24 golf rounds or lessons per year, making it a well-rounded premium card for travel, rewards, and luxury experiences.

10. PNB LUXURA Visa Credit Card

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

Lounge Access Benefits:

• Unlimited domestic and international lounge visits

Other Key Features & Benefits:

• Zero forex markup fee
• 4 reward points per Rs. 100 spent
• 3X reward points on dining and travel spends
• 12% off, up to Rs. 1,200 on domestic flights and hotels on a min. booking of Rs. 5,000 once every month through ixigo
• 10% off, up to Rs. 2,500 on international flights and hotels on a min. booking of Rs. 10,000, once every month through ixigo

PNB LUXURA Visa Credit Card is a premium travel card designed for frequent travellers. It offers unlimited domestic and international airport lounge access. Along with lounge benefits, it also offers zero forex markup fee on international spending, making overseas purchases affordable. Consumers can earn 4 reward points for every Rs. 100 spent, with 3X points on dining and travel. It also offers monthly travel discounts through ixigo, including up to 12% off on domestic flights and hotels and up to 10% off on international bookings.

Suggested Read: Top ICICI Bank Credit Cards with Lounge Access