Airport Lounge Credit Cards
Access exclusive airport lounges worldwide and enjoy premium travel amenities with these premium cards. Enjoy exclusive travel benefits and rewards.
MAGNUS Credit Card
Annual Fee
₹12500
APR
42.58%
Joining Fee
₹12500
Cash Advance
0%
Why Choose This Card
Ideal for high-spending individuals seeking luxury perks and rewards.
Reward Benefits
Earn 12 EDGE Reward Points per ₹200 spent on cumulative monthly spends up to ₹1,50,000.
Earn 35 EDGE Reward Points per ₹200 spent on incremental monthly spends above ₹1,50,000.
Earn 60 EDGE Reward Points per ₹200 spent on Travel EDGE portal, up to cumulative transactions of ₹2,00,000 per month.
Earn 35 EDGE Reward Points per ₹200 spent on Travel EDGE portal above cumulative transactions of ₹2,00,000 per month.
Pros
- Unlimited domestic and international lounge access.
- High reward points on spending beyond ₹1.5 lakh/month.
- Interest-free cash withdrawals.
- Comprehensive health benefits.
Cons
- High joining and annual fees.
- Minimum income criteria may exclude some applicants.
- Certain transactions excluded from reward points.
HDFC Regalia Gold Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
The HDFC Regalia Gold Credit Card offers a comprehensive rewards program, travel perks including lounge access, milestone benefits, and insurance coverage, making it suitable for high-spending individuals seeking value across various spending categories.
Reward Benefits
4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education.
20 Reward Points on every ₹150 spent at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Pros
- High reward points on select brands.
- Complimentary lounge access domestically and internationally.
- Milestone benefits with vouchers and flight tickets.
- Comprehensive insurance coverage.
Cons
- High annual fee without waiver for lower spends.
- Reward points have limited validity.
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12500
APR
43.2%
Joining Fee
₹12500
Cash Advance
2.5%
Why Choose This Card
Designed for high-net-worth individuals seeking luxury travel and dining experiences with premium rewards.
Reward Benefits
Earn 5 reward points per ₹150 spent.
Earn up to 10x reward points on Smartbuy travel and shopping.
Pros
- Unlimited lounge access worldwide for primary and add-on cardholders.
- High reward rate across all spending categories.
- Complimentary Club Marriott membership.
- Unlimited complimentary golf games at select courses.
- Competitive foreign currency markup fee.
Cons
- High annual membership fee.
- Invite-only card, not accessible to all applicants.
Diners Club Black Credit Card
Annual Fee
₹10000
APR
43.2%
Joining Fee
₹10000
Cash Advance
2.5%
Why Choose This Card
Ideal for high-income earners looking for exclusive benefits in travel, lifestyle, and dining, with luxury concierge services and premium rewards.
Reward Benefits
5 Reward Points for every ₹150 retail spend.
Up to 10X points on SmartBuy purchases.
2X Reward Points on weekend dining.
Pros
- 5X Reward Points for every ₹150 spent.
- Unlimited lounge access worldwide.
- Complimentary golf games (6 per quarter).
- Up to 10X Reward Points on SmartBuy and 2X on weekend dining.
- Luxury concierge services available 24/7.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, etc.).
Cons
- High joining and annual fees of ₹10,000 + taxes.
- Foreign transaction fee of 2%.
Axis Bank AURA Credit Card
Annual Fee
₹749
APR
52.86%
Joining Fee
₹749
Cash Advance
2.5%
Why Choose This Card
Perfect for those looking for a lifestyle-focused card with a wellness boost, offering exclusive fitness and health benefits, along with rewarding lifestyle perks.
Reward Benefits
5X Rewards on insurance spending.
2 EDGE Points for every ₹200 spent (up to ₹10,000).
Pros
- 5X Rewards on insurance spending.
- 2 EDGE Points for every ₹200 spent (maximum transaction amount: ₹10,000).
- Free video doctor consultations (4 per month).
- Complimentary interactive fitness sessions (4 per month).
- Up to 20% off on dining through Axis Bank Dining Delights Program.
- Fuel surcharge waiver for transactions ₹400–₹4,000.
Cons
- Annual fee of ₹749 + GST.
- High APR of 52.86%.
- Reward redemption limited to gifts and offers.
Axis Bank Atlas Credit Card
Annual Fee
₹5000
APR
3.75%
Joining Fee
₹5000
Cash Advance
300%
Why Choose This Card
Ideal for frequent travelers who want airline-agnostic rewards and EDGE Miles redeemable across 20+ travel partners, with tier-based benefits for enhanced travel perks.
Reward Benefits
2 EDGE Miles per ₹100 on general spends.
5 EDGE Miles per ₹100 on travel spends up to ₹2 Lakh/month.
2 EDGE Miles per ₹100 on travel spends above ₹2 Lakh.
Pros
- 2 EDGE Miles per ₹100 spent across all categories.
- 5 EDGE Miles per ₹100 on travel spends up to ₹2 Lakh/month.
- Tier-based structure with increasing benefits like bonus EDGE Miles and lounge access.
- 1:1 redemption on travel expenses via Travel EDGE platform.
- Bonus EDGE Miles on spending milestones and first transaction.
Cons
- High joining and annual fee of ₹5,000.
- Finance charges of 3.75% per month.
- Limited redemption options for non-travel related expenses.
- Foreign Markup fee of 3.5%.
Axis Bank Rewards Credit Card
Annual Fee
₹1000
APR
3.6%
Joining Fee
₹1000
Cash Advance
500%
Why Choose This Card
Perfect for everyday spending with generous rewards, dining discounts, travel perks, and flexible redemption options on flights, hotels, and merchandise.
Reward Benefits
Unlimited 2 EDGE Reward Points per ₹125 spent on general expenses.
10X Reward Points per ₹125 spent at departmental and apparel stores.
1,500 EDGE Reward Points on spending ₹30,000 per statement cycle.
Pros
- Unlimited 2 EDGE Reward Points per ₹125 spent on general expenses.
- 10X Reward Points per ₹125 spent at departmental and apparel stores.
- Milestone Rewards of 1,500 EDGE Reward Points on spending ₹30,000 per statement cycle.
- Domestic lounge access with 2 complimentary visits per quarter.
- Swiggy Discounts and Dining Delights Program offering discounts at select restaurants.
Cons
- Foreign transaction fee of 3.6% plus taxes.
- High interest rate of 3.6% per month (52.86% per annum).
- Cash advance fee of 2.5% or ₹500 (whichever is higher).
- Annual fee of ₹1,000 (unless ₹2,00,000 is spent annually).
Axis Bank SELECT Credit Card
Annual Fee
₹3000
APR
3.6%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Ideal for shopping and travel, with luxurious benefits like international lounge access, exclusive discounts, and premium experiences.
Reward Benefits
10 EDGE Points per ₹200 spent.
2X Rewards for every ₹200 spent on retail shopping.
Capped 2X Rewards for up to ₹20,000 spent monthly.
Pros
- 10 EDGE Points per ₹200 spent.
- 2X Rewards for every ₹200 spent on retail shopping.
- Exclusive Priority Pass membership with up to 12 complimentary international lounge visits annually.
- Swiggy discount of ₹200 twice a month (minimum order ₹500).
- BigBasket discount of 20% (up to ₹500 monthly) on purchases above ₹2,000.
Cons
- High joining fee of ₹3,000 (waived off for spends of ₹6,00,000 or more).
- Foreign transaction fee of 3.5% plus taxes.
- Late payment fee for amounts over ₹5,000 can reach up to ₹1,200.
- Fuel transactions are excluded from reward points.
AXIS Bank ACE Credit Card
Annual Fee
₹499
APR
3.6%
Joining Fee
₹499
Cash Advance
300%
Why Choose This Card
Perfect for those who want great cashback rewards on their regular spend, particularly on bill payments, food, and rides.
Reward Benefits
5% cashback on bill payments via Google Pay (capped at ₹500 per month).
4% cashback on Swiggy, Zomato, and Ola (capped at ₹500 per month).
1.5% cashback on every eligible purchase with no cap.
Pros
- 5% cashback on bill payments via Google Pay (capped at ₹500/month).
- 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month).
- 1.5% cashback on every eligible purchase with no cap.
- 4 complimentary domestic lounge visits per year.
- Fuel surcharge waiver on transactions between ₹400 and ₹4,000.
Cons
- Foreign transaction fee of 3.5% plus taxes.
- Joining fee and annual fee of ₹499 each (plus taxes).
- Cashback capped at ₹500 per month for specific categories like bill payments, Swiggy, Zomato, and Ola.
IDFC First Millennia Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for shopping, lifestyle benefits, and high rewards earning potential, especially for those who enjoy dining, travel, and entertainment.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
1 reward point per ₹150 spent (1X).
Reward exclusions: Fuel, EMI transactions, cash withdrawals, and certain other expenses.
Pros
- Free annual fee and joining fee.
- 10X points for spending over ₹20,000/month and on your birthday.
- 6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
- 300+ year-round merchant offers.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- 4 complimentary railway lounge visits per quarter.
- 1% fuel surcharge waiver on fuel purchases.
- Personal Accident Coverage of ₹2,00,000.
Cons
- No reward points on fuel, EMI transactions, or cash withdrawals.
- No rewards for insurance premiums.
- Late payment fee of up to ₹1,250.
IDFC First Classic Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
This card offers great rewards and benefits for spending on online and offline shopping, fuel, travel, and dining, along with additional lifestyle and insurance benefits.
Reward Benefits
10X Reward Points for monthly spending over ₹20,000 and on your birthday.
6X Reward Points for online shopping (up to ₹20,000/month).
3X Reward Points for offline transactions (up to ₹20,000/month).
1X Reward Point for every ₹150 spent.
No rewards for fuel, EMI transactions, or cash withdrawals.
Pros
- Free annual and joining fees.
- 10X Reward Points for monthly spending over ₹20,000 and on your birthday.
- 6X Reward Points for online shopping (up to ₹20,000/month).
- 3X Reward Points for offline transactions (up to ₹20,000/month).
- 1X Reward Point for every ₹150 spent.
- Up to 20% dining discounts at 1,500+ restaurants.
- 15% discounts at 3,000+ wellness centers.
- Complimentary railway lounge access (4 visits per quarter).
- Complimentary roadside assistance worth ₹1,399.
- Personal Accident Insurance coverage of ₹2,00,000.
Cons
- No rewards for fuel, EMI transactions, or cash withdrawals.
- Foreign transaction fee of 3.50%.
- Late payment fee can go up to ₹1,250.
IDFC FIRST Mayura Credit Card
Annual Fee
₹5999
APR
47.88%
Joining Fee
₹5999
Cash Advance
199%
Why Choose This Card
This card offers exclusive rewards, travel, and lifestyle benefits, including golf rounds, airport lounge access, cashback on transactions, and comprehensive insurance coverage.
Reward Benefits
10X Rewards for incremental spends above ₹20,000/month and birthday spends.
5X Rewards for spends up to ₹20,000/month.
3X Rewards for transactions above ₹2,000 on FIRST Digital Credit Card.
3X Rewards for rent, wallet load, education, and government-related spends.
1X Rewards for transactions below ₹2,000 on FIRST Digital Credit Card.
1X Rewards for utilities and insurance spends.
Pros
- 10X Rewards for incremental spends above ₹20,000/month and birthday spends.
- 5X Rewards for spends up to ₹20,000/month.
- Complimentary airport lounge access (16 domestic and 8 international visits/year).
- Complimentary railway lounge access (16 visits/year).
- Zero Forex Mark-up Fee.
- Trip cancellation cover of up to ₹50,000 for non-refundable bookings.
- 2 complimentary golf rounds/lessons per month.
- Buy-one-get-one movie benefits via BookMyShow.
- Fuel surcharge waiver (up to ₹500/month).
- Insurance benefits including air accident cover of ₹1 crore.
Cons
- High joining and annual fee of ₹5,999.
- Rewards exclusions include fuel, loan on card, cash withdrawals, EMI transactions, fees, GST, and balance transfers.
IDFC FIRST Wealth Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
Opt for this card if you are a high earner seeking a lifetime free credit card with non-expiring reward points, benefits on utilities, rent, and insurance payments, low forex markup, and complimentary lounge access.
Reward Benefits
3X reward points on online and offline purchases up to ₹20,000 per month.
10X reward points on incremental spends above ₹20,000 per month.
10X reward points on birthday spends.
3X reward points on rental and property management transactions.
3X reward points on education, wallet load, and government services.
1X reward points on utility bill payments and insurance spends.
Reward Point Value: 1 RP = ₹0.25.
Exclusions: Fuel, insurance, cash withdrawals, EMI transactions (except first EMI cashback), and transactions below ₹150.
Pros
- Lifetime free credit card with no annual fee.
- Non-expiring reward points redeemable online.
- Low forex markup fee of 1.5% on international transactions.
- Complimentary airport lounge access and spa visits.
- Comprehensive travel insurance coverage.
- Buy-one-get-one movie ticket offer up to ₹250 twice a month.
- Fuel surcharge waiver of 1% on transactions between ₹200 and ₹5,000 (up to ₹400 per month).
- Access to over 300 merchant offers.
- Interest-free cash withdrawals worldwide for up to 48 days.
- EMI conversion available for transactions above ₹2,500.
Cons
- High income eligibility criteria (₹36 lakh annual ITR for self-employed).
- Reward program devaluation post-May 2024.
- Lower reward rates compared to similar cards with annual fees.
- Spends on utilities and government services no longer contribute to 10X rewards threshold.
Kotak Infinite Credit Card
Annual Fee
₹0
APR
37.2%
Joining Fee
₹0
Cash Advance
300%
Why Choose This Card
Opt for this card if you are a Kotak Wealth Management client and enjoy luxury privileges, including exclusive golf access, movie tickets, and premium concierge services. Ideal for those seeking high-end benefits and a unique card design.
Reward Benefits
1 reward point per ₹125 spent.
800 bonus reward points (worth ₹800) credited monthly.
Points redeemable across categories like mobile recharge, shopping, travel, and more.
Pros
- No joining or annual fees.
- Golf privileges with 2 complimentary rounds monthly and ability to invite 2 friends.
- 24 free PVR movie tickets annually (2 per month).
- 4 complimentary visits per quarter to DreamFolks lounges in India.
- Premium concierge services for reservations, ticketing, event bookings, etc.
- Personalized handcrafted card design featuring the cardholder's image.
- Reward points for every ₹125 spent, with 800 bonus points credited monthly.
Cons
- Exclusive to Kotak Wealth Management clients (invite-only).
- High interest rate of 3.10% per month (37.2% annually).
- Cash advance fee of ₹300 per ₹10,000 or part thereof.
- Late payment charges may add up, especially for amounts exceeding ₹10,000.
IndusInd Legend Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹9999
Cash Advance
2.5%
Why Choose This Card
The IndusInd Legend Credit Card is perfect for frequent travelers, offering a range of travel benefits including global lounge access, insurance coverage, and reward points. The card also comes with milestone rewards, golf benefits, and exclusive offers from premium brands.
Reward Benefits
2 points for every ₹100 spent on weekends.
1 point for every ₹100 spent on weekdays.
Milestone rewards: 4,000 bonus points on ₹6 lakh+ spend in the first year.
Pros
- 2 reward points for every ₹100 spent on weekends and 1 point on weekdays.
- Priority Pass membership with access to 600+ lounges globally.
- Complimentary golf game and lesson per month at select courses.
- Generous milestone reward of 4,000 points on ₹6 lakh+ spend in the first year.
- Luxury gift vouchers and hotel stays as part of the welcome offer.
- Comprehensive insurance benefits, including personal air accident coverage.
Cons
- High minimum credit score of 750 required.
- Cash advance fee of 2.5% or ₹300, whichever is higher.
- Foreign transaction fee of 1.8% on international purchases.
- High APR of 46%.
IndusInd Platinum Select Credit Card
Annual Fee
₹0
APR
46%
Joining Fee
₹999
Cash Advance
2.5%
Why Choose This Card
The IndusInd Platinum Select Credit Card is an ideal choice for those seeking a balance of rewards and benefits for travel, shopping, and entertainment. With lounge access, movie offers, and comprehensive insurance coverage, it provides great value for frequent travelers and shoppers.
Reward Benefits
Earn 1 reward point per ₹150 spent on the card.
Reward redemption options: IndusMoments, Airline Miles (InterMiles and Vistara), Cash Credit, and Pay with Rewards.
Pros
- Earn 1 reward point per ₹150 spent on the card.
- Redeem rewards for luxury items, airline miles, and cash credits.
- Welcome offers include movie tickets and brand discounts.
- 1% fuel surcharge waiver at petrol pumps.
- Extensive insurance benefits covering air accidents, lost baggage, and more.
- Priority Pass membership for access to over 600 lounges globally.
Cons
- High APR of 46%.
- Foreign transaction fee of 3.5%.
- Joining fee of ₹999.
IndusInd Solitaire Credit Card
Annual Fee
₹10000
APR
NaN%
Joining Fee
₹30000
Cash Advance
0%
Why Choose This Card
The IndusInd Solitaire Credit Card is designed for high spenders who enjoy exclusive travel, dining, and lifestyle benefits. With features like complimentary airport lounge access, Mastercard World Elite benefits, and luxurious rewards programs, it provides extensive value for those who seek the finest experiences.
Reward Benefits
Earn 1 reward point for every ₹100 spent.
Earn 0.70 reward points for every ₹100 spent on utility bills, rent payments, insurance premiums, and educational institutions.
Pros
- 5,000 Bonus Reward Points for spending ₹1 lakh in the first 30 days.
- 1-year EazyDiner Prime Membership with dining discounts and 2X EazyPoints.
- Complimentary lounge access at domestic and international lounges.
- Mastercard World Elite benefits like free hotel stays and global roaming offers.
- Exclusive dining discounts at partner ITC hotels.
- No forex charges for foreign transactions.
Cons
- High joining fee of ₹30,000.
- Annual fee of ₹10,000, though waived on annual spends of ₹10 lakh.
- No reward points on fuel spends.
IndusInd Platinum Aura Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹500
Cash Advance
2.5%
Why Choose This Card
IndusInd Platinum Aura Credit Card offers a host of rewards, travel benefits, and insurance coverage, ideal for shoppers and travelers. With exclusive benefits like Priority Pass membership, comprehensive insurance, and tailored rewards for various categories, this card provides exceptional value for high spenders.
Reward Benefits
0.5 Saving Points for every ₹100 spent across all categories.
Up to 4 Saving Points for every ₹100 spent on select categories.
Rewards for spending across shopping, travel, dining, and home categories.
Pros
- Free Annual Fee.
- Rewards tailored for various spending categories (shopping, travel, and dining).
- Complimentary Priority Pass membership with access to 1,000+ global lounges.
- Up to 4 Saving Points per ₹100 spent on select categories.
- Exclusive gift cards from popular brands as a welcome offer.
Cons
- Foreign transaction fee of 3.5%.
- Higher cash advance fees (2.5% or ₹300).
- Over limit penalty can be as high as ₹500 or 2.5%.