Best credit card for Airport Lounge Access 2024

In the speedy world of travel, accommodation and solace have become crucial, particularly for frequent flying customers. For those looking for an astonishing airport experience in 2024, the journey for the “Best Credit Card for Airport Lounge Access” is a pursuit worth endeavour. As air travel keeps on developing, the right credit card can provide you access to selective airport lounges, offering a safe haven of relaxation, amazing food, and efficiency in the midst of the hurrying around of airports. In this blog, we will investigate the top credit card choices accessible in 2024 that give access to these safe houses of quietness, guaranteeing that your journeys are consistent as well as enhanced with luxury. Whether you’re a business traveller or a recreation explorer, picking the right credit card can open a world of solace and comfort at the airport, making your travel experience genuinely extraordinary.

Types of Airport Lounge Access Credit Cards

There are the best 5 different types of Airport Lounge Cards that will best suit your travel needs. Below is the list of all the credit cards that will give you a memorable experience of Airport Lounge Access.

• HDFC Diners Club Black Card
• Axis Bank Privilege Credit Card
• Axis Bank Miles and More Credit Card
• Axis Bank Vistara Credit Card
• Air India SBI Signature Card

List of top Credit Cards with airport lounge access

HDFC Diners Club Black Card

Why you should choose this card?

HDFC Diners Club Black Card offers a Complimentary Annual Membership to the joiners. The world is no stranger to the benefits that an annual member receives with a credit card. If you are looking for more and more membership benefits, this credit card is for you.

Pros

• 10,000 Reward Points on paying the Joining Fee
• Reputed Bank
• High on Rewards
• Free Membership

Cons

• High Annual Fee
• Friendly with high travel frequency

Fees and Charges

Type of Fees and Charges	Amount
Joining fee	Rs.10,000
Renewal fee	Rs.10,000
Minimum repayment amount	5% or a maximum of Rs.200
Fee for Cash Withdrawal	2.5% of the withdrawn amount
Fee for Rewards Redemption	Rs.99
Add-on cards charges	Lifetime Free
Fee for Foreign currency mark-up	1.99%
Charges for Late Payment	Rs.100-Rs.1300
Charges for over limit	2.5% of the over-the-limit amount
Fee for Cash processing	Rs.100 per transaction
Payment return charges	2% of the payment amount
Re-issuance charges	Rs.100 per instance

Features and Benefits

• This card provides a 1% waiver on fuel surcharge over ₹400.
• There is an Air Accidental Death Coverage of ₹2 Crore included in the credit card.
• This card offers emergency hospitalisation of ₹50 Lakhs in foreign countries.
• Credit Liability Cover is included of over ₹9 Lakhs
• Free 6 Golf Games per quarter across the world in the finest golf courses across the world.

Axis Bank Privilege Credit Card

Why you should choose this card?

If you love rewards on credit card spending, this is the credit card that is designed for you. Axis Bank Privilege Credit Card is a high-reward benefit credit card, including amazing airport lounge access.

Pros

• High on Rewards
• EMI Facility
• Easy to use
• Weekend Offers

Cons

• No reward on fuel transactions
• High Annual Spending Milestone

Fees and Charges

Type of Fees and Charges	Amount
Joining fee	Rs.1500
Annual fee	Rs.1,500
Charges on purchases	2.95% per month
Charges for Cash withdrawal	2.5% of the amount withdrawn
Fees on cash transaction	Rs.100
Re-issuing or replacement of card	NIL
Penalty for late repayment	Rs.300-Rs.600
Payments in foreign currency	3.50% of the transacted amount
Surcharge on fuel-related payments	1% of the amount
Dishonour fee or cheque bounce	Rs.300
Over limit penalty	Rs.500 or 3% of the over-limit amount
Late payment fee	Rs.100 to Rs.1,000

Features and Benefits

• This Card provides 2 complimentary access to airport lounges at selected airports.
• This card provides an insurance worth ₹2.5 Crore.
• EMI facility is available with Axis Bank Privilege Credit Card for transactions exceeding ₹2500.

Axis Bank Miles & More Credit Card

Why you should choose this card?

If you want to earn extra miles with your airline journey, Axis Bank Miles & More World Credit Card is made for you. This card is best suited for people who travel more often.

Pros

• High on rewards
• Exciting Lounge Access offers
• Miles never expire
• Automatic bill payment
• High-Security

Cons

• No annual fee waiver

Fees and Charges

Type of Fees and Charges	Amount
Joining fee	World Select Credit Card – Rs.10,000 World Credit Card – Rs.3,500
Annual fee	World Select Credit Card – Rs.4,500 World Credit Card – Rs.3,500
Finance charges	2.95% every month
Cash withdrawal fee	2.5% of the amount
Fee for Cash payment	Rs.100
overdue penalty	Rs.300 to Rs.600
Over limit penalty	3% of the amount of over limit
Dishonour fee	Rs.300
Foreign currency transaction fee	3.50% of the total transaction value

Features and Benefits

• This card gives ₹3000 miles annual bonus on renewal.
• Fuel transaction refund on a surcharge of 1% is available with the card.
• Insurance coverage on air accidents up to ₹4.5 Crore is included with the card.

Axis Bank Vistara Credit Card

Why you should choose this card?

This card is a reward-rich credit card for airport lounge access. This card is designed for flyers who can use this card for various different transactions.

Pros

• High on rewards
• Club Vistara Points
• Insurance

Cons

• No EMIs
• No fuel surcharge waiver

Fees and Charges

Type of Fees and Charges	Amount
Joining Fee	Rs.1,500
Annual fee	Rs.1,500
Interest rate	2.95% per month
Cash advance fees	2.5% of the amount
Cash payment fee	Rs.100
Re-issuing or replacement of lost or stolen card	Waived
Penalty charges for over-limit	3% of over limit amount
Foreign currency transaction fee	3.5% of the transacted amount
Auto-debit reversal	Rs.300
Late repayment penalty	Rs.100 to Rs.700

Features and Benefits

• This card provides a 15% discount on dining in restaurants across the country.
• Air insurance is included up to ₹2.55 Crore.
• 1000 Club Vistara points will be provided on activation.

Air India SBI Signature Card

Why you should choose this card?

Pros

• EMI Benefits
• Fuel Surcharge Benefits
• Joining Rewards
• Hotel and Dining offers

Cons

• No fee waiver

Fees and Charges

Type of Fees and Charges	Amount
Annual fee	Rs.4,999 .p.a
Joining fee	Rs.4,999
Add-on card fee	Nil
Cash advance charges	2.5% of the amount
Interest rate	Up to 3.35% per month
Rewards redemption fee	Rs.99.
Cash payment fee	Rs.100
Statement Retrieval fee	Rs.100 per statement (more than 2 months old)
Late payment fee	Rs.400 to Rs.1300
Cheque pickup	Rs.100
Payment dishonour fee	2% of the payment amount (minimum of Rs.450
Card replacement charge	India – Rs.100
Cheque payment fee	Rs.100
Over limit charges	2.5% of the amount
Foreign currency transaction fee	3.5% of the transaction amount

Features and Benefits

• This card has a joining perk of 10,000 reward points on paying the joining fee.
• You can avail of a lost card liability cover worth 1 Lakh.
• Access to luxury lounges at over 600 international airports with free Priority Pass Program.
• Domestic airport lounge access in India with a free Visa Lounge Access Program.
• Inclusion of complementary Air India Frequent Flyer Program.
• Get 30 reward points if you book a flight for yourself and 10 reward points when the flight is booked for others.

Eligibility for Airport Lounge Access Credit Cards

Here is the eligibility for different Axis Bank credit cards

• HDFC Diner Club Black Credit Card: The required age for this card is 21 to 60 years for salaried employees and 21 to 65 years for individuals who are self-employed. The HDFC Diner Club Black Credit Card applicant should have an annual income of Rs. 21 Lakhs per annum for self-employment and a minimum of Rs. 1.75 Lakhs income per month.
• Axis Bank Privilege Credit Card: Individuals can apply for this card. The age of the applicant should be between 18 to 70 years old. Axis Bank Privilege Credit Card is available for residents of India only. The age of the add-on candidate should be above 18.
• Axis Bank Miles & More Credit Card: Individuals can apply for this card. This card requires the current age of the applicant to be 18 to 70 years old. The add-on cardholder should be above 15 years of age. Axis Bank Miles & More Credit Card is available for both residents and non-resident Indians.
• Axis Bank Vistara Credit Card: Individuals can apply for this card. The age of the applicant should be between 18 to 70 years. The minimum income required for this card is Rs. 6 Lakhs .p.a.
• Air India SBI Signature Credit Card: Individuals can apply for this card. The age of the applicant should be above 18. The add-on cardholder should be above 15 years of age. Every Indian citizen is eligible to apply for an Air India SBI Signature Credit Card. This card requires the applicant to have a minimum credit score of 750.

Documents Required for Airport Lounge Access Credit Cards

The following are the required documents that you need to submit to apply for an Airport Lounge Access Credit Card:

• PAN Card or Form 60
• Passport-sized photographs
• IT Return/Latest Salary Slip/Form 16
• Landline Telephone bill/Passport/Electricity Bill/Ration Card for residence proof
• Bank Statement for the last 3 to 6 months
• Aadhar Card/Driving License/Voter ID for identity proof

How to get airport lounge access Credit Cards?

You can get an airport lounge access credit card with a pretty simple process. You can visit the bank’s official website, or you can visit their branch to physically apply for the desired credit card. Applying for an airport access credit card is not a difficult thing as long you are eligible to apply and have all the necessary documents with accurate information. When you apply to the bank’s website or visit the branch, they generally verify all the given information and will inform you whether your application has been approved or not.

How to Apply for Airport Lounge Access Credit Cards Card Online?

Follow the below-mentioned steps to apply for Airport Lounge Access Credit Cards Card Online:

• Visit the bank’s official website on a desktop or smartphone.
• If you are an existing member of the bank, then continue or create a new user ID for you as a new customer.
• Go to the Credit Card Section, select the desired Credit Card, and click Apply.
• After selecting the credit card, provide all the necessary information as instructed on the web page.
• Provide all the required documents with accurate information.
• You will receive an SMS or an email on the successful approval of your credit card application.

How to apply for an Airport Lounge Access Credit Card Offline?

You can visit the branch of the bank to apply for an Airport Lounge Access Credit Card Offline. Remember to carry all the required documents before applying for the credit card. After providing all the required information in the document to the bank, wait for your application to get approval.

You can directly contact the bank via call as well to apply for an Airport Lounge Access Credit Card. They will send a representative to your home to collect the relevant documents to proceed with further processing.

Comparing and Choosing the Right Credit Card

 Comparing all the credit cards and choosing the right one can be a tricky process that can take a lot of time. However, it is equally a crucial step to take if you want maximum benefits with the credit card you are applying for. Choosing a credit card that takes your mind on a beneficial adventure of your financial journey. Above is all the detailed information about the best airport lounge access credit card, resulting in minimising your efforts to compare different options for a credit card.

Comparing all the credit card options provides a detailed understanding of all the positives and negatives of credit cards you are going to apply for. Every credit card is unique in its own way, but the credit card that is a perfect choice for your expenses should be the one to consider.

Tips for Cardholders to Maximise Benefits

Credit Cards provide exceptional benefits to customers on different spending. All these benefits are pre-determined by the bank itself. Every buyer wants to earn more benefits with each spending. Keeping that in mind, below are some tips to maximise the benefits of airport lounge access credit cards:

• Understand the type of airport lounge you can enter. Certain airlines don’t offer airport lounges. Preplan your journey and select the airline that supports your credit card airport lounge access feature.
• Research the lounge that you require to avail yourself of the benefits of an airport lounge access credit card. Airport lounges offer different hours and have different locations that vary accordingly to customer’s requirements.
• Paying your bills every month before and on the due date to gain maximum benefits.