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What is a Lounge Access Facility on a Credit Card?

A Lounge Access Facility on a credit card is a feature that allows cardholders to access airport lounges, typically offering a more relaxed environment compared to the general waiting areas. These lounges provide amenities such as comfortable seating, complimentary food and beverages, Wi-Fi, and sometimes even showers and beds for long layovers. The access can be complimentary or available at a discounted rate, depending on the credit card. Some cards offer a limited number of free accesses per year, while premium cards might offer unlimited access. This benefit is particularly valuable for frequent travelers who can enjoy a more comfortable and luxurious experience while waiting for their flights. Cards with lounge access are not limited to travel-specific credit cards; many general-purpose cards also offer this perk as an additional benefit.

Federal BankScapia Credit Card

The Federal BankScapia Credit Card is a unique financial product for travel enthusiasts. It is
the result of a collaboration between Federal Bank and Scapia Technology Pvt. Ltd., aiming
to transform everyday expenses into travel experiences. Cardholders can enjoy a plethora of
benefits, including unlimited domestic lounge access on spending over ₹5,000, earning 10%
Scapia coins on all eligible spends, and a significant 20% back on travel bookings made via
the Scapia App. The card also boasts a zero forex markup on international transactions, no
joining or annual fees, and a rapid, fully digital onboarding process through the Scapia app.
With instant redemption on flights and hotels at a conversion rate of 5 Scapia coins to ₹1, and
24x7 customer service, it's tailored to offer a seamless travel experience.

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Joining Fee: NIL

Welcome Benefit: None
 Special Feature: Unlimited lounge visits.

Fees and Charges

 41.88% (3.49% per month).

Interest Rate

HDFC Bank Millenia Credit Card

The HDFC Bank Millenia Credit Card doesn't offer complimentary lounge access anymore.
Instead, it has a quarterly spending milestone program. If you spend Rs. 1 lakh or more in a
calendar quarter, you'll be eligible to choose between a Rs. 1,000 voucher or a DreamFolks
airport lounge access voucher. This voucher provides access to participating lounges across
various domestic airports in India. The voucher is valid for three months and can be used by
both you and any add-on cardholders. While it requires reaching a spending target, this
program gives you the flexibility to choose between a lounge visit and other rewards.

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Joining Fee / Renewal Membership Fee: ₹1,000/- (Spend ₹1,00,000 or more in a
year, before your Credit Card renewal date and get your renewal fee waived off) Welcome Benefit: By paying your Joining Membership Fee you can get a Gift
Voucher equivalent to the Fee Amount.
 Special Feature: INR 1000 worth of gift vouchers on spends of INR 1,00,000 and
above in each calendar quarter. Customers can either claim the gift voucher or claim
free domestic lounge visit.

Fees and Charges

 3.6% per month (or 43.2% per annum).

Interest Rate

Axis Bank Miles & More World Credit Card

Consider the Axis Bank Miles & More World Credit Card if you're a frequent traveler
seeking travel rewards. This card offers an attractive welcome bonus of miles and rewards
you with miles on every spent amount, effectively letting you earn unlimited miles for flights
and travel upgrades. A key perk is complimentary lounge access. The World variant offers
Priority Pass membership with 2 free visits per quarter to unwind in over 30 domestic airport
lounges while you wait for your flight. This provides a comfortable and relaxing pre-travel
experience, making your journeys even more enjoyable.

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Joining/Renewal Membership Fee: INR 3500 + Applicable Taxes

Welcome Benefit: Get 15,000 bonus miles on card activation. Priority pass
membership.
 Special Feature: Get 2 free international lounge visits every year and 4 free domestic
lounge visits every year.

Fees and Charges

3.40% per month (49.96% per annum).

Interest Rate

Club Vistara SBI Card Prime

The Club Vistara SBI Card Prime offers a range of lounge access features designed for
frequent travelers. Cardholders can enjoy eight complimentary visits per year to domestic
airport lounges, with a maximum of two visits per quarter, ensuring a comfortable travel
experience within India. Additionally, the card provides a complimentary Priority Pass
Membership, valued at $99, which includes four complimentary visits per calendar year to
international Priority Pass Lounges outside of India, with a maximum of two visits per
quarter. This card not only enhances the airport experience with these lounge benefits but also
comes with a comprehensive insurance cover, including Air Accident Insurance, adding an
extra layer of security for travelers.

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Joining/Renewal Membership Fee:₹ 2,999/- + Applicable Taxes

Welcome Benefit: Get 1 premium economy ticket as a free gift voucher on payment
of annual / renewal fee.
Special Feature: Get 1 premium economy ticket each on annual spends of INR 1.5
lakhs, INR 3 lakhs, INR 4.5 lakhs & INR 8 lakhs.

Fees and Charges

3.50% per month (42% per annum)

Interest Rate

HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card caters to frequent travelers with its lounge access features.
The card grants you 12 complimentary visits per year to domestic and international lounges
within India. This allows you to relax and unwind comfortably while waiting for your flight.
Whether you're departing for a business trip or embarking on a vacation, you can take
advantage of these visits to avoid the hustle and bustle of the terminal. Keep in mind that
visits exceeding the complimentary quota or lounges outside the program's network may
incur additional charges.

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Joining Fees, and Annual Fees: INR 2500 + GST

Welcome Benefit: Free Club Vistara Silver Tier membership and MMT Black
membership if you spend INR 1 lakh or above within 90 days of purchasing this card.
Special Feature: 12 free lounge access within India (both at domestic and
international terminals). Free membership to Priority Pass, you and your add-on
member can together avail up to 6 free lounge access per calendar year, outside India.

Fees and Charges

3.6% per month (i.e., 43.2% per annum).

Interest Rate

BOB Eterna Credit Card

Indulge in a luxurious travel experience with the BOB Eterna Credit Card. This card caters to
your desires for a premium lifestyle, offering benefits beyond just regular transactions. One
of its highlights is the unlimited complimentary access to domestic airport lounges for Eterna
Mastercard holders. This means you can unwind in comfortable seating, enjoy
complimentary refreshments, and access Wi-Fi while waiting for your flight, making your airport layovers a breeze. So, whether you're a frequent flyer or an occasional traveler, the
BOB Eterna Credit Card can elevate your airport experience.

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Joining Fees: INR 2499/-

Welcome Benefit: FREE 6 months FitPass Pro membership worth ₹ 15,000 as a
Welcome Gift.
Special Feature: Unlimited Complimentary access to domestic lounges.

Fees and Charges

14.00% to 20.00% p.a.

Interest Rate

HDFC TATA Neu Infinity Credit Card

The HDFC TATA Neu Infinity Credit Card is a premium card offering rewards on various
spending categories. You can earn NeuCoins on your purchases, redeemable for discounts
and benefits within the TATA Neu ecosystem. The card shines for its high spending rewards,
particularly in groceries, fashion, electronics, and travel. Additionally, it provides
comprehensive insurance coverage, including accidental death coverage, overseas
hospitalization coverage, and lost card liability coverage. For frequent travelers, the lounge
access features are particularly enticing. The card grants access to domestic airport lounges
multiple times a year, offering a comfortable space to relax and unwind during your journeys.

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Joining fee: INR 1499 + GST

Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year
Membership Fees), applicable on 1st Transaction done within 30 days of card
issuance and will be available to claim inside Tata Neu App within 60 days of such
transaction.

 Special Feature: Get 8 Complimentary Domestic Lounge Access per calendar year
and also avail up to 4 Complimentary International Lounge Access per calendar year.

Fees and Charges

3.49% per month i.e 41.88% annually

Interest Rate

AU Bank Zenith+ Credit Card

AU Bank's Zenith+ Credit Card caters to the frequent flyer with its premium travel benefits.
This exclusive metal card offers complimentary airport lounge access, transforming your
layovers into relaxing experiences. Enjoy two complimentary visits per quarter within India
using your Visa card. This translates to up to eight visits per year, allowing you to unwind in comfortable surroundings with amenities like refreshments, Wi-Fi, and workspaces before
your onward journey. AU Bank also provides access to a comprehensive list of participating
lounges, ensuring a comfortable and productive pre-flight experience.

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