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HDFC Bank ICICI Bank Axis Bank SBI Card Kotak Mahindra Amex IDFC FIRST ➔ All 33+ Banks
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100% Objective & Independent • Verified Against RBI MITC

Airport Lounge Access Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Lounge Access

Showing 1-12 of 140 verified cards

HDFC Bank Visa Infinite ★ CS Editor's Choice
MITC Verified Oct 2026
HDFC Bank
METAL

HDFC Infinia Metal

•••• •••• •••• 3259

VISA
CardSahayak Score Verified
93 /100
4.7
Min CIBIL 800+ Min ₹3,00,000/mo

HDFC Infinia Metal

HDFC Bank • Super premium Tier

Our Take: Ideal for Frequent flyers, Luxury travelers, High spenders, offering exceptional return on priority spends.
Annual Fee
₹12,500
Waived @ ₹10 Lakh spend/yr
Joining Fee
₹12,500
₹12,500 Welcome Bonus
Rewards Rate
5.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ 5X rewards on all spend (10X via SmartBuy)
✓ Unlimited domestic & international lounge access
− By invitation only — cannot apply directly
🔥
MakeMyTrip: Flat 12% up to ₹2,000
+7 more
Estimated Net Value
+₹2,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.99% - 1.99% p.m.
Interest-Free Period: 20 to 50 days
HDFC Bank Diners Black ★ CS Editor's Choice
MITC Verified Oct 2026
HDFC Bank
METAL

HDFC Diners Club Black

•••• •••• •••• 3831

DC
Diners
CardSahayak Score Verified
92 /100
4.6
Min CIBIL 780+ Min ₹1,75,000/mo

HDFC Diners Club Black

HDFC Bank • Super premium Tier

Our Take: Ideal for Frequent travelers, Points maximizers, Golf enthusiasts, offering exceptional return on priority spends.
Annual Fee
₹10,000
Waived @ ₹8 Lakh spend/yr
Joining Fee
₹10,000
₹10,000 Welcome Bonus
Rewards Rate
5.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ 5 Reward Points per ₹150 on retail spends (3.33% reward rate)
✓ Up to 10X accelerated rewards via SmartBuy on flights, hotels, and partner vouchers
− Annual fee of ₹10,000 + GST (waived on spending ₹8 Lakh annually)
🔥
HDFC Bank: 2% forex markup + Unlimited lounge + 6 golf rounds
+8 more
Estimated Net Value
+₹5,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.99% - 1.99% p.m.
Interest-Free Period: 20 to 50 days
YES Bank Visa Yes Private Nri Credit Card 🔥 3 Active Deals
MITC Verified Oct 2026
YES Bank
SUPER PREMIUM

Yes Private

•••• •••• •••• 1024

VISA
CardSahayak Score Verified
92 /100
4.6
Min CIBIL 780+ Min ₹1,50,000/mo

Yes Private

YES Bank • Super premium Tier

Our Take: Ideal for Frequent travelers, Premium lifestyle, offering exceptional return on priority spends.
Annual Fee
₹10,000
Waived @ ₹25 Lakh spend/yr
Joining Fee
₹50,000
₹9,000 Welcome Bonus
Rewards Rate
20.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Ultra-low 0.50% foreign currency markup on all international spends
✓ Unlimited domestic and international airport lounge access with 1 complimentary guest visit per entry
− Strictly by invitation only — requires high relationship value or ₹20 Lakh+ FD for NRIs
🔥
EaseMyTrip: Flat 12% up to ₹1,800
+2 more
Estimated Net Value
+₹5,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.50% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.49% - 2.49% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Super Premium ★ CS Editor's Choice
MITC Verified Oct 2026
Axis Bank
METAL

Axis Reserve

•••• •••• •••• 2296

VISA
CardSahayak Score Verified
91 /100
4.5
Min CIBIL 800+ Min ₹3,00,000/mo

Axis Reserve

Axis Bank • Super premium Tier

Our Take: Ideal for Ultra HNIs, Luxury travelers, Golf enthusiasts, offering exceptional return on priority spends.
Annual Fee
₹50,000
Waived @ ₹35 Lakh spend/yr
Joining Fee
₹50,000
₹6,000 Welcome Bonus
Rewards Rate
15.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Unlimited complimentary domest...
✓ 15 EDGE Reward Points per ₹200 on domestic retail spends (7.5 RP/₹100)
✓ 2X accelerated rewards: 30 EDGE Reward Points per ₹200 on international spends
− High annual fee of ₹50,000 + GST
🔥
Taj Hotels: ₹10,000 Taj Hotels credit
+8 more
Estimated Net Value
₹-41,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.50% + GST
Lounge Access
Unlimited Dom & Intl
Unlimited complimentary domest...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.00% - 3.49% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Infinite ★ CS Editor's Choice
MITC Verified Oct 2026
Axis Bank
METAL

Axis Magnus

•••• •••• •••• 2171

VISA
CardSahayak Score Verified
91 /100
4.5
Min CIBIL 750+ Min ₹1,50,000/mo

Axis Magnus

Axis Bank • Super premium Tier

Our Take: Ideal for Frequent flyers, High spenders, Points maximizers, offering exceptional return on priority spends.
Annual Fee
₹12,500
Waived @ ₹25 Lakh spend/yr
Joining Fee
₹12,500
₹12,500 Welcome Bonus
Rewards Rate
12.0%
Base Rate
Airport Lounges
Unlimited Dom & Intl
Unlimited complimentary domest...
✓ 12 EDGE Reward Points per ₹200 on retail spends up to ₹1.5L/month (6 RP/₹100)
✓ Accelerated 35 EDGE Reward Points per ₹200 on spends above ₹1.5L/month (17.5 RP/₹100)
− High annual fee of ₹12,500 + GST
🔥
Hotels: ₹5,000
+7 more
Estimated Net Value
₹-5,300/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Unlimited complimentary domest...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 2.50% - 3.49% p.m.
Interest-Free Period: 20 to 50 days
Kotak Mahindra Bank Visa Super Premium 🔥 7 Active Deals
MITC Verified Oct 2026
Kotak Mahindra Bank
METAL

Kotak White Reserve

•••• •••• •••• 2817

VISA
CardSahayak Score Verified
90 /100
4.5
Min CIBIL 780+ Min ₹2,08,333/mo

Kotak White Reserve

Kotak Mahindra Bank • Super premium Tier

Our Take: Ideal for Luxury travelers, High spenders, offering exceptional return on priority spends.
Annual Fee
₹12,500
Waived @ ₹10 Lakh spend/yr
Joining Fee
₹12,500
₹1,500 Welcome Bonus
Rewards Rate
5.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Premium metal credit card design with high prestige
✓ Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders
− High annual fee of ₹12,500 + GST
🔥
Bloom Hotels: Flat 25% off
+6 more
Estimated Net Value
+₹2,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.50% p.m.
Interest-Free Period: 20 to 48 days
Standard Chartered Visa Ultimate ★ CS Editor's Choice
MITC Verified Oct 2026
Standard Chartered
SUPER PREMIUM

Standard Chartered Ultimate

•••• •••• •••• 2174

VISA
CardSahayak Score Verified
90 /100
4.5
Min CIBIL 750+ Min ₹75,000/mo

Standard Chartered Ultimate

Standard Chartered • Super premium Tier

Our Take: Ideal for Frequent travelers, High spenders, Points collectors, offering exceptional return on priority spends.
Annual Fee
₹5,000
No spend-based waiver. Cardholder receives 5,000 reward points (worth ₹5,000) on payment of renewal fee.
Joining Fee
₹5,000
₹6,000 Welcome Bonus
Rewards Rate
5%
Flat Cashback
Airport Lounges
16 Dom + 12 Intl / yr
4 complimentary domestic airpo...
✓ High 3.33% base reward rate (5 Reward Points per ₹150 spent; 1 RP = ₹1)
✓ 4 complimentary domestic airport lounge visits per quarter (16 visits/year)
− No spend-based annual fee waiver (₹5,000 + GST every year)
🔥
Standard Chartered: ₹6,000 welcome bonus
+4 more
Estimated Net Value
+₹10,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
16 Dom + 12 Intl / yr
4 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 52 days
Axis Bank Visa Metal • Metal 🔥 8 Active Deals
MITC Verified Oct 2026
Axis Bank
METAL

Axis Burgundy Private

•••• •••• •••• 2704

VISA
CardSahayak Score Verified
90 /100
4.5
Min CIBIL 800+ Min ₹3,00,000/mo

Axis Burgundy Private

Axis Bank • Super premium Tier

Our Take: Ideal for Ultra-HNI individuals, Axis Burgundy Private clients (₹5 Cr TRV), Luxury global travel, offering exceptional return on priority spends.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
No welcome bonus offered
Rewards Rate
15.0%
Base Rate
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Strictly by invitation for Axis Burgundy Private clients maintaining ₹5 Crore Total Relationship Value (TRV)
✓ 15 EDGE Reward points per ₹100 spent on all retail transactions
− Strictly invitation-only: Requires ₹5 Crore Total Relationship Value (TRV) with Axis Bank
🔥
Flipkart: Flat 10% up to ₹1,500
+7 more
Estimated Net Value
+₹9,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.49% - 3.49% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank Visa Emeralde Private Metal Credit Card • Metal 🔥 9 Active Deals
MITC Verified Oct 2026
ICICI Bank
METAL

ICICI Emeralde Private Metal

•••• •••• •••• 3357

VISA
CardSahayak Score Verified
89 /100
4.5
Min CIBIL 800+ Min ₹2,50,000/mo

ICICI Emeralde Private Metal

ICICI Bank • Super premium Tier

Our Take: Ideal for Ultra-HNI individuals, Luxury travelers, Golf enthusiasts, offering exceptional return on priority spends.
Annual Fee
₹12,499
Waived @ ₹10 Lakh spend/yr
Joining Fee
₹12,499
₹12,500 Welcome Bonus
Rewards Rate
3.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Unlimited complimentary domest...
✓ Unlimited domestic and international airport lounge access (exempt from spend criteria)
✓ Unlimited golf rounds and lessons globally
− Invite-only card for private banking clients
🔥
MakeMyTrip: Flat 12% up to ₹1,800
+8 more
Estimated Net Value
₹-3,499/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.00% + GST
Lounge Access
Unlimited Dom & Intl
Unlimited complimentary domest...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Govt, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 48 days
Kotak Mahindra Bank Visa Metal • Metal 🔥 7 Active Deals
MITC Verified Oct 2026
Kotak Mahindra Bank
METAL

Kotak Solitaire

•••• •••• •••• 3668

VISA
CardSahayak Score Verified
89 /100
4.5
Min CIBIL 800+ Min ₹5,00,000/mo

Kotak Solitaire

Kotak Mahindra Bank • Super premium Tier

Our Take: Ideal for Ultra-HNI Kotak customers, Luxury travelers, Airline miles maximizers, offering exceptional return on priority spends.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹0 Free
Complimentary membership for...
Rewards Rate
3.0%
Base Rate • Accelerated
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Lifetime free for Kotak Solitaire program members
✓ Zero forex markup on all international spends
− Invite-only for Solitaire banking clients (₹75L+ TRV or ₹5L+ monthly salary)
🔥
Bloom Hotels: Flat 25% off
+6 more
Estimated Net Value
+₹9,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 1.99% - 1.99% p.m.
Interest-Free Period: 20 to 48 days
SBI Card Visa Aurum ★ CS Editor's Choice
MITC Verified Oct 2026
SBI Card
METAL

SBI Aurum

•••• •••• •••• 3598

VISA
CardSahayak Score Verified
89 /100
4.5
Min CIBIL 780+ Min ₹1,00,000/mo

SBI Aurum

SBI Card • Super premium Tier

Our Take: Ideal for Luxury & High Net Worth Individuals, Frequent International & Domestic Travelers, Movie & Dining Enthusiasts, offering exceptional return on priority spends.
Annual Fee
₹9,999
Waived @ ₹12 Lakh spend/yr
Joining Fee
₹9,999
₹10,000 Welcome Bonus
Rewards Rate
4.0%
Base Rate • Accelerated
Airport Lounges
16 Dom/yr + Unlimited Intl
16 complimentary domestic airp...
✓ Metal credit card with 40,000 welcome points (worth ₹10,000) fully offsetting the joining fee
✓ Unlimited international lounge access via DreamFolks with 1 complimentary guest visit per quarter
− Fuel cashback capped at ₹200 per month
🔥
BookMyShow: 4 free movie tickets per month
+6 more
Estimated Net Value
₹-6,999/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.99% + GST
Lounge Access
16 Dom/yr + Unlimited Intl
16 complimentary domestic airp...
Redemption Fee
₹99
Per redemption request
Exclusions
Wallets, Rent, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.49% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
DBS Bank Visa Visa Infinite 🔥 4 Active Deals
MITC Verified Oct 2026
DBS Bank
METAL

DBS Vantage Credit Card

•••• •••• •••• 1290

VISA
CardSahayak Score Verified
89 /100
4.4
Min CIBIL 750+

DBS Vantage Credit Card

DBS Bank • Super premium Tier

Our Take: High-net-worth individuals and frequent international travelers who value unlimited lounge access and premium lifestyle benefits.
Annual Fee
₹10,000
Waived @ ₹10 Lakh spend/yr
Joining Fee
₹10,000
₹10,000 Welcome Bonus
Rewards Rate
3.2%
Base Rate
Airport Lounges
Unlimited Dom & Intl
Free (No spend rule)
✓ Premium card offering 4 Vantage Points per ₹100 on domestic spends (1.6% return) and 8 VP per ₹100 on international spends (3.2% return)
✓ 10,000 bonus Vantage Points welcome gift (worth ₹4,000) + complimentary Taj Epicure Membership
− High joining fee of ₹50,000 + GST
🔥
MakeMyTrip & Yatra: Flat 10% up to ₹7,500
+3 more
Estimated Net Value
₹-400/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.75% + GST
Lounge Access
Unlimited Dom & Intl
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.40% - 3.40% p.m.
Interest-Free Period: Up to 50 days
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