Credit Cards With Airport Lounge Access: 2 Cards With Unlimited Access

Enjoying time in an airport lounge before your flight is a dream come true ample seating, free food and drinks, high-speed Wi-Fi, and a peaceful retreat from the terminal's bustle. For those who travel often, possessing a credit card with airport lounges is not merely an advantage—it is transformative. In this article, we highlight two exceptional choices available in India: the Axis Bank Magnus Credit Card and the Federal Bank Scapia Credit Card, both of which provide unlimited entry to domestic lounges.

1. Why Airport Lounge Access Matters

Credit cards that offer lounge access are no longer exclusive to corporate travelers. For individuals who travel occasionally or frequently, access to airport lounges offers a touch of luxury—serenity, comfort, and convenience. Search terms such as "credit cards with airport lounge access" or "best credit card for lounge access" illustrate how travelers increasingly value lounge amenities in their card selection process.

Here’s why choosing the right card can be impactful:

• Comfort & Productivity: Access to lounges provides a space to work, relax, or even take a nap—away from the hustle and bustle of crowded gates.

• Added Value: Rather than incurring high walk-in fees, you enjoy these lounges free with selected credit cards with airline lounge access.

  
  

• Flexible Planning: Certain cards permit unlimited access, allowing you to visit at any time without tracking visits or exceeding guest limits.

Let’s examine two exceptional cards that offer unlimited lounge benefits and determine which one aligns with your travel requirements.

2. Cards That Provide Unlimited Lounge Access

A. Axis Bank Magnus Credit Card – Ultimate Lounge Access Worldwide

If you're looking for a VIP lounge access credit card, the Axis Bank Magnus offers both opulent benefits and worldwide coverage.

Lounge Access Features

• Unlimited access to domestic lounges at designated airports in India, upgraded to access based on spending thresholds (₹50,000 in the previous 3 months) following the overhaul in May 2024.

• Unlimited international lounge access through a Priority Pass, along with 4 guest visits each year, valid for the duration of the card anniversary.

  
  

Other Premium Benefits

• Airport Meet & Greet (Concierge) service, which includes express check-in, security, and porter assistance (available 8 times per year).

• Reward structure:

1. Users can earn 6 Axis Edge rewards points on every INR 100 spent up to

Spent Rs. 1,50,000 in a calendar month.

2. The value of each point is INR 0.2. The effective cashback rate is 1.2%. 

3. Users will get 17.5 Edge rewards points for every RS.. 100 spent post

spending Rs. 1,50,000 in a calendar month. Effective cashback rate: 3.5%

4. 5x reward points on spending via Travel EDGE.

• Lifestyle Perks: Up to 30% discount on dining, 15% off at Oberoi & Trident hotels, a waiver on forex mark-up (2%), and no fee for cash withdrawals.

• Welcome Offer: A gift voucher valued at ₹12,500 from choices such as Luxe, Postcard Hotels, or Yatra.

  
  

Annual Fee & Waiver

• Annual fee: ₹12,500 + GST, which is waived if spending surpasses ₹25 lakh in the previous year.

  
  

Strengths & Limitations

• Strengths:

o Truly unlimited access to airport lounges (both domestic and international).

o Strong rewards and lifestyle benefits.

• Limitations:

o Requires high spending to maintain benefits.

o Guest visits are limited to four after the 2024 update.

o Some users have reported inconsistent lounge acceptance at certain airports

(for instance, Mumbai International).

If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here

B. Federal Bank Scapia Credit Card – Practical Unlimited Domestic Lounge Access

For travelers primarily engaged in domestic flights, the Federal Bank Scapia provides easier access with flexibility and no associated fees.

Lounge Access Benefits

• Unlimited domestic lounge access each month, contingent upon a low minimum expenditure of ₹5,000–₹10,000 per month (depending on the variant)

• Additionally, complimentary dining, spa, or shopping benefits at select airports.

  
  

Rewards & Redemption

• 10% Scapia Coins on regular expenditures and 20% on travel bookings made through the Scapia app.

• Scapia Coins can be redeemed at a 1:1 ratio for flights, buses, and hotels—instantly and without expiration.

  
  

Extras & Fees

• No joining fee and a low annual fee of approximately ₹1,500.

• No foreign exchange markup for international transactions.

• Zero-cost EMI for travel expenses booked via the app.

• Completely digital onboarding with real-time activation.

Pros & Cons

• Pros:

o An economical method to obtain unlimited airport lounge access

domestically.

o A straightforward, flexible, and app-based redemption process.

• Cons:

o Absence of international lounge access.

o Rewards are confined to the Scapia ecosystem—cannot be converted to

cash or used with other airlines.

If you want to know the unbiased AI score of this Credit Card, read the detailed review. click here

3. Side-by-Side Comparison

Feature / Keyword	Axis Bank Magnus	Federal Bank Scapia
Lounge Access	Unlimited domestic & international guest visits/year	Unlimited domestic (₹5k–₹10k/month spend)
Best for	Frequent domestic & international travelers	Domestic travelers seeking value
Reward Redemption	EDGE points, vouchers, travel offers	Scapia Coins on the app, flexible redemptions
Annual Fee	₹12,500 (waivable ₹25L spend)	INR ~₹1,500 (low)
International Lounge Access	Yes, via Priority Pass	No
App-based Control	Standard banking app	Full control via the Scapia app
Forex Mark-up	2%	0%
Extras	Concierge, dining, and hotel discounts	EMI on travel, dining/shopping perks

4. Choosing the Right Card for You

• Choose the Axis Bank Magnus if you:

1. Often travel both domestically and internationally.

2. Desire unlimited access to airport lounges along with guest privileges.

3. Appreciate premium lifestyle benefits and can justify the fee through

your spending.

If you want to check the eligibility and apply for the card, click here

• Opt for the Federal Bank Scapia if you:

1. Travel within the country and seek straightforward, unlimited lounge

access.

2. favor affordable yet valuable travel benefits with digital convenience.

3. wish to earn substantial rewards without incurring a high annual fee.

If you want to check the eligibility and apply for the card, click here

5. Tips to Maximize Lounge Benefits

• Keep up with eligible spends—₹50,000/3 months for Magnus, ₹5k+/month for Scapia.

• Register your Priority Pass (Magnus) right after activation.

• Track guest counts—Magnus caps at four per year.

• Redeem intelligently—use Scapia Coins on high-value app travels.

• Plan leisurely trips—enjoy lounging calmly with early boarding and better focus.

Final Thoughts

When seeking the best credit card for airport lounge access or a credit card with airline lounge access, both Axis Bank Magnus and Federal Bank Scapia stand out. Your choice depends on how you travel:

• Axis Magnus: Ultimate luxe experience for high-volume spenders.

• Federal Scapia: Solid, cost-effective lounge access for regular domestic flyers.

Discover the best credit cards with airport lounge access in India. Compare Axis Bank Magnus and Federal Bank Scapia—2 cards with unlimited lounge access, rewards, and travel perks. Want to know your cards has which airport lounges access then use our new feature, airport lounge finder

  FAQ's

Which credit card gives unlimited airport lounge access in India?

• Axis Bank Magnus provides it (domestic + international).

• Federal Bank Scapia offers it for domestic lounges.

What are the best credit cards for lounge access?

Axis Magnus and Federal Scapia—depending on domestic vs. international needs

Is there a VIP lounge access credit card?

• Yes, Axis Magnus qualifies with concierge and Priority Pass access.

• Scapia offers a value-driven lounge experience.

Can add-on members use lounge access?

• Axis Magnus gives domestic access to add-ons; international access via Priority Pass only if accompanied.

• Scapia adds no specific guest privileges but allows the main cardholder's benefit.

Who wins the “best credit card for airline lounge access” title?

• It's context-based—Magnus is best for global nomads; Scapia for budget-conscious domestic travelers.