Best credit card for free airport lounge access in India
Bhavna Deshpande
Asked 26 Mar 2026
I want a credit card that gives at least 4-8 free domestic lounge visits per year. Which card has the best lounge access benefits under ₹2,00,000 annual fee?
2 Answers
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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