Best credit card for free airport lounge access in India
Suriya Saran
Asked 30 May 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 ₹1,00,000 annual fee?
2 Answers
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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.
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