Best ICICI Bank Lounge Access Credit Card 2026

Key Highlights of ICICI Bank Lounge Access Credit Card

ICICI Bank does not have a single ICICI Bank airport lounge card. It offers a set of cards that provide access in slightly different ways. Rubyx, Manchester United Platinum, and Manchester United Signature are popular options that combine rewards, movie discounts, and travel benefits. Each one functions as an ICICI Bank credit card with lounge access, but the number of visits and additional benefits vary by card. Some broad highlights you can expect are:

• Complimentary domestic lounge access at select airports
• Reward points on most everyday spends
• Movie ticket offers on BookMyShow and INOX
• Fuel surcharge waiver at specified fuel stations
• Travel insurance and concierge support on premium variants

How ICICI Lounge Access Works

The card network and the bank control lounge entry. When you present your ICICI Bank airport lounge credit card at a participating lounge, the staff swipes or scans it to check whether you have any free visits remaining for that period. If you are still eligible, you may enter without paying an additional fee. The visit counts toward your monthly or quarterly quota. For these cards, lounge access usually looks like this:

• ICICI Bank Rubyx Credit Card: Rubyx is an ICICI Bank premium airport access card for domestic travellers seeking regular comfort. It offers 2 complimentary domestic airport lounge visits per quarter and 8 complimentary railway lounge visits per year.

• ICICI Bank Manchester United Platinum Credit Card: The Manchester United Platinum card is primarily a themed ICICI Bank airport access card for fans in India, but it also includes a practical lounge benefit. It offers 1 complimentary domestic airport lounge access per quarter.

• ICICI Bank Manchester United Signature Credit Card: The Signature variant elevates the offering and suits those seeking a stronger ICICI Bank credit card for year-round airport lounge access. It offers 2 complimentary domestic airport lounge accesses per quarter.

Who Should Apply for the ICICI Bank Lounge Access Credit Card?

An ICICI Bank card for frequent flyers is ideal for those who fly at least a few times each year and want a smoother experience. If you arrive early, travel with family, or often work during your wait, lounge access can make those hours more comfortable. These cards also help if you like a mix of movie discounts, brand vouchers and reward points in one product. You may find this card helpful if you:

• Take regular domestic flights for work or personal trips
• Want a mix of lifestyle rewards and travel comfort in one card
• Prefer lounge seating and refreshments instead of crowded waiting areas
• Like brand-specific perks such as Manchester United merchandise or Rubyx concierge services

How to Check ICICI Bank Lounge Availability Before Travel

Before you head to the airport, check whether your ICICI Bank credit card for travel comfort is valid at the lounge you plan to use. Not all lounges accept every card, and lists can change with time. A quick check avoids last-minute confusion at the entrance.

• You can confirm lounge availability in a few simple ways:
• Visit the lounge access section for your card on the official ICICI Bank website
• Check the Visa, Mastercard or RuPay lounge programme linked to your card
• Use the iMobile Pay app to see participating lounges and benefits
• Keep an eye on the number of remaining complimentary visits in your billing cycle

Benefits of ICICI Bank Lounge Access Credit Card

The benefits of these cards extend beyond airport seats and food. Each ICICI Bank credit card with lounge access also carries lifestyle offers, entertainment deals and reward structures that work even when you are not travelling. Rubyx focuses more on a premium lifestyle, while the Manchester United variants appeal to football supporters who still want solid day-to-day value.

Rubyx Credit Card benefits

Rubyx is ideal for someone seeking an ICICI Bank premium airport access card that also works well for shopping and experiences.

• Domestic airport and railway lounge access
• Higher reward points on selected partners via iShop
• Welcome vouchers from brands like Tata CLiQ, Croma, EazyDiner or EaseMyTrip (as per current offers)
• BookMyShow and INOX movie ticket discounts
• Concierge services and insurance coverage for added peace of mind

Manchester United Platinum benefits

The Manchester United Platinum card is more of an ICICI Bank airport lounge card for fans who want a taste of Old Trafford and everyday value.

• 1 complimentary domestic airport lounge access per quarter
• Signed Manchester United football as a welcome benefit (as per current offer)
• Discounts on Manchester United online merchandise
• Movie ticket offers on BookMyShow and INOX
• Fuel surcharge waiver at HPCL pumps on eligible transactions

Manchester United Signature benefits

The Manchester United Signature card offers stronger lounge access and higher rewards, making it a sound ICICI Bank card for frequent flyers who also love the club.

• 2 complimentary domestic airport lounge accesses per quarter
• Manchester United branded holdall and football as a welcome benefit (as per offer)
• Higher reward rates on match day spend
• Movie ticket discounts on BookMyShow and INOX
• Fuel surcharge waiver on eligible HPCL fuel purchases

Reward Points & Travel Benefits of ICICI Bank Lounge Access Credit Card

Reward structures are not identical across these cards, but each has a clear pattern that makes it easy to understand. Whether you focus on travel, online spending, or match-day purchases, your ICICI Bank credit card for travel comfort can continue to earn points in the background. These points can later be redeemed for vouchers, merchandise, or travel benefits. Here is how rewards usually work on the cards:

• Rubyx:
• Higher reward multipliers on partner spends via iShop
• Reward points on domestic and international spends
• Redemption for shopping vouchers, travel, electronics, home appliances and more

• Manchester United Platinum:
• 3 reward points on match day spend
• 2 reward points on domestic and international spends
• Redemption catalogue across travel, lifestyle and shopping categories

• Manchester United Signature:
• 5 reward points on match day spend
• 3 reward points on domestic spends
• Wide redemption options for lifestyle products, vouchers and more

Fees & Charges for ICICI Bank Lounge Access Credit Card

Since all cards fall into premium and co-branded segments, it is essential to understand the cost before treating any of them as a Free lounge access ICICI Bank credit card. The lounge visits are complimentary, but annual fees, interest, and foreign exchange markups will be charged if you do not manage the card properly. Below is a simple view of key fees for the cards:

Eligibility Criteria for ICICI Bank Lounge Access Credit Card

The income and eligibility requirements for an ICICI Bank credit card domestic airport lounge access are slightly higher than for entry-level products. This is because these cards pack more benefits and are positioned for customers with steady, documented income. Age, residency and income conditions apply differently across the Rubyx and Manchester United variants. Typical eligibility for these cards looks like this:

• Applicant should be an Indian citizen above 21 years of age
• For Rubyx: minimum monthly salary of around ₹75,000 or a suitable self-employed income profile
• For Manchester United Platinum: a monthly minimum wage of around ₹20,000 or a qualifying annual income for self-employed
• For Manchester United Signature: a monthly minimum salary of around ₹75,000 or similar self-employed income
• Final approval depends on internal ICICI Bank policies and the credit bureau history

Documents Required for ICICI Bank Lounge Access Credit Card

Documentation is straightforward for anyone who already has proof of income and has completed basic KYC. Many applications can be completed in a digital journey, where you upload or verify details online, making it easier to apply for the ICICI Bank lounge access credit card without visiting a branch. You will usually need:

• PAN card for identity and tax details
• Aadhaar card, driving licence or utility bill as address proof
• Latest salary slip, Form 16 or ITR as income proof
• A recent passport-size photograph, if requested during processing

How to Apply for ICICI Bank Lounge Access Credit Card through Urban Money?

If you want to compare different lounge cards and then apply them in one place, Urban Money can help. The platform lets you compare Rubyx, Manchester United Platinum, and Manchester United Signature side by side, then apply for the ICICI Bank Lounge Access Credit Card that best fits your travel patterns and income. The steps are straightforward:

• Open the Urban Money website and go to the credit card section
• Choose ICICI Bank from the list of partner banks
• Pick the lounge access card you want to apply for
• Fill in your basic details like name, PAN, contact information and city
• Verify your mobile number using OTP
• Complete the e-KYC and income-based details as prompted
• Apply and wait for ICICI Bank to review it

How to Access Airport Lounges with ICICI Bank Credit Cards

Once your ICICI Bank credit card with lounge access is active, using it at the airport is quite simple. You do not need a separate lounge membership card. Your credit card serves as your access pass, provided you are within the free-visit limit for that period. At the airport, you simply:

• Carry your eligible ICICI Bank lounge card and your boarding pass
• Walk up to the participating lounge counter
• Present your card and boarding pass for validation
• Allow the staff to swipe or scan your card to check free visit eligibility
• Enter the lounge once the system confirms your complimentary access

Terms & Conditions for ICICI Bank Credit Card Lounge Access

Every Complimentary lounge access ICICI Bank card comes with its own rules around visit counts, participating lounges, guest entry and chargeable visits. These terms may change, so it is always wise to refer to the latest document on the ICICI Bank website before planning your trip around lounge benefits. A few common points to keep in mind are:

• Most lounge programmes allow only the primary cardholder free entry
• Some lounges may charge for guests even if your visit is complimentary
• Free visits are limited by month or quarter, depending on the card variant
• Extra visits over the free limit can be charged directly to your card
• Lounges may turn away customers during heavy rush periods, even if the card is eligible