Best Credit Cards For Free Domestic Airport Lounge Access in India

Domestic lounge cards are specialized credit or membership cards that provide access to airport lounges within a specific country or region. These cards offer travelers the convenience of a comfortable and relaxing environment within the airport, away from the hustle and bustle of the main terminal. With access to amenities such as complimentary refreshments, Wi-Fi, business facilities, and comfortable seating, domestic lounge cards enhance the overall travel experience. They are especially beneficial for frequent travelers or individuals seeking a more pleasant airport experience when traveling domestically.

Credit Cards With Free Domestic Lounge Cards

Several credit cards come with the added benefit of free domestic lounge access cards, allowing cardholders to enjoy the perks of airport lounges when traveling within their home country. These cards typically offer complimentary or discounted access to domestic airport lounges, providing a more comfortable and convenient travel experience. Cardholders can relax in lounge facilities, enjoy complimentary snacks and beverages, access Wi-Fi, and make use of business services while waiting for their flights. This feature is particularly appealing to frequent domestic travelers who value the comfort and amenities offered by airport lounges without the need for international travel. It’s advisable to check the specific terms and conditions of each credit card to understand the extent of lounge access and any associated fees or limitations.

List of Best Credit Cards with Free Domestic Lounge Cards

With thousands of credit cards in India offering domestic airport lounge access, selecting the right one can be a daunting task. To simplify your decision-making process, we’ve compiled a list of the top credit cards in India that provide complimentary airport lounge access. This list allows you to explore their features, compare offerings, and ultimately select the card that best suits your needs with confidence.

Axis Bank MY ZONE Credit Card

The Axis Bank My Zone Credit Card is an introductory-level card that extends its advantages to shopping, dining, and entertainment. Cardholders can enjoy discounts on well-known platforms such as AJIO and Swiggy, in addition to receiving an annual complimentary subscription to SonyLiv. Remarkably, it stands out as one of the rare low-fee credit cards that provide membership to a prominent OTT platform while also offering a blend of rewards and discounts. Continue reading to explore more about this card and determine whether it suits your preferences and needs.

Key Highlights of Axis Bank MY ZONE Credit Card

Lifestyle-Centric Card: The Axis Bank My Zone Credit Card caters to individuals looking for lifestyle benefits.
Accelerated Rewards: Earn accelerated reward points by using the card for weekend dining and shopping.
First-Year Fee Waiver: If you spend Rs. 5,000 within 45 days of getting the card, you won’t have to pay the Rs. 500 first-year fee.

HDFC Bank Millennia Credit Card

The Millennia credit card from HDFC Bank is highly coveted, primarily owing to its enticing offers and advantages. This HDFC card is obtainable for an initial membership fee of Rs. 1,000 plus applicable taxes for the first year, along with a renewal membership fee of Rs. 1,000 plus applicable taxes. Furthermore, by spending Rs. 1 lakh within a year, you can secure a waiver for the renewal fee in the subsequent year.

Key Highlights of HDFC Bank Millennia Credit Card

Cashback Rewards: Earn attractive cashback rewards on various spending categories, including shopping, dining, and travel.
Online Shopping Benefits: Enjoy additional cashback and discounts on online shopping through partner merchants.
Dining Discounts: Avail of special dining offers and discounts at partner restaurants.
Fuel Surcharge Waiver: Get a fuel surcharge waiver at fuel stations across India.
Zero Liability Cover: Benefit from a zero liability cover in case of a lost or stolen card, providing security and peace of mind.
Contactless Payments: Use the card for secure and convenient contactless payments.
EMI Options: Convert high-value transactions into easy EMIs for greater affordability.
Reward Points: Earn reward points on your card spending, which can be redeemed for a variety of rewards, including vouchers and merchandise.
Annual Fee Waiver: Get an annual fee waiver by reaching a specified spending threshold, making the card even more cost-effective.

ICICI Bank Coral Credit Card

The ICICI Coral Contactless Credit Card is designed as an introductory card for individuals who are new to credit. It offers a respectable reward rate, access to airport lounges, and movie-related benefits. Moreover, with its modest annual fee of Rs. 500, it proves to be an excellent option for those seeking a hassle-free credit card to establish their credit history. However, if you seek a credit card with a higher reward rate or more extensive benefits tailored to specific categories, you might want to explore other credit card options.

Key Highlights of ICICI Bank Coral Credit Card

Lifestyle Privileges: The Coral Credit Card offers an array of lifestyle benefits, including dining, shopping, and entertainment offers.
Culinary Treats: Avail of exclusive dining discounts and offers at select restaurants, making dining out more rewarding.
Fuel Savings: Enjoy fuel surcharge waivers at fuel stations across India, helping you save on fuel expenses.
Contactless Payments: The card supports secure and convenient contactless payments for added convenience.
Reward Points: Earn reward points on your card spending, with opportunities to redeem points for various rewards, including vouchers and merchandise.
Movie Benefits: Access special discounts on movie tickets when booking through select channels.
Airport Lounge Access: Enjoy complimentary airport lounge access, enhancing your travel experiences.
Health and Wellness Offers: Benefit from discounts on health check-ups and wellness services.
EMI Convert: Convert high-value purchases into easy EMIs for greater affordability.
Personalized Assistance: Receive personalized banking services and financial solutions tailored to your unique needs.

AU Bank Altura Credit Card

The AU Bank Altura Credit Card offers numerous cost-saving features. Initially available for a nominal fee, this fee can be waived upon achieving specific milestones. Additionally, the card provides cashback benefits and a welcome offer, making it a compelling choice. Moreover, cardholders can enjoy complimentary access to Railway Lounges, adding to its value and making it an attractive card to apply for.

Key Highlights of AU Bank Altura Credit Card

Earn 5% cashback for spending Rs. 2,500 within the first 60 days of card activation.
Receive 2% cashback on utility bill payments, with a maximum cashback of Rs. 50 per statement cycle.
Enjoy a 1% waiver on fuel surcharges when using the AU Bank Altura Credit Card at any fuel station in India.
Get an additional Rs. 50 cashback when you spend Rs. 10,000 in each statement cycle.
Earn 2% cashback on purchases made at grocery stores and departmental stores.

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card stands out as one of India’s premier cashback credit cards. Cardholders can enjoy generous cashback rewards, with up to 5% cashback on Flipkart purchases, 4% cashback on partner websites, and a flat 1.5% cashback on all other expenditures. Notably, the 1.5% flat cashback rate is the second-highest in the market, surpassed only by the Axis Bank Ace Card’s 2% cashback rate. As a co-branded card, the most substantial advantages of the Flipkart Credit Card are tailored towards Flipkart and its affiliated merchants, making it a top choice for those who frequently shop with these platforms.

Key Highlights of Flipkart Axis Bank Credit Card

Welcome Benefits: Cardholders receive attractive welcome offers, including discounts on their initial Flipkart purchases.
Flipkart Rewards: Earn accelerated reward points for transactions made on Flipkart and associated brands, leading to substantial savings on online shopping.
Fuel Benefits: Enjoy fuel surcharge waivers at fuel stations across India, providing savings on fuel expenses.
Dining Discounts: Avail of special dining offers and discounts at select restaurants in India.
EMI Convert: Convert high-value transactions into easy EMIs for greater affordability.
Contactless Payments: The card supports secure and convenient contactless payments.
Online Shopping Offers: Access exclusive deals, discounts, and cashback offers on various online platforms, including Flipkart.
Annual Fee Waiver: Spend a specified amount to get an annual fee waiver, making the card even more cost-effective.
Airport Lounge Access: Enjoy complimentary airport lounge access at select airports in India.
Reward Points: Earn reward points on your card spending, which can be redeemed for various rewards, including vouchers and merchandise.

American Express Platinum Travel Credit Card

The American Express® Platinum Travel Credit Card stands as an excellent choice for avid travelers, whether their journeys take them across domestic or international borders. With this card, you gain access to an array of top-tier travel perks, including travel vouchers, complimentary lounge access, and exclusive benefits with renowned hotels. If you’re willing to invest in an annual fee of Rs. 5,000, this card presents itself as the ideal companion for your travel adventures.

Key Highlights of American Express Platinum Travel Credit Card

Travel Benefits: Enjoy a range of travel-related privileges, including complimentary air travel vouchers and hotel stay discounts.
Membership Rewards: Earn Membership Rewards Points on your card spending, which can be redeemed for flights, hotels, and other travel expenses.
Milestone Rewards: Receive bonus Membership Rewards Points when you achieve specific spending milestones.
Dining Discounts: Avail of special dining offers and discounts at select restaurants across India.
Airport Lounge Access: Enjoy complimentary access to domestic airport lounges, making your travel experiences more comfortable.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at select fuel stations in India.
Contactless Payments: The card supports secure and convenient contactless payments.
Reward Points: Earn additional reward points for booking travel tickets through the American Express website.
Insurance Coverage: Benefit from comprehensive insurance coverage, including travel and accident insurance.
Concierge Services: Access personalized concierge services for assistance with travel bookings, reservations, and more.

YES First Preferred Credit Card

The YES FIRST Preferred Credit Card is an excellent choice for accumulating reward points across diverse spending categories, with the added flexibility of redeeming them for select benefits. Key highlights of this card include bonus reward points, an annual fee waiver, and the convenience of instant EMI options.

Key Highlights of YES First Preferred Credit Card

Reward Points: Earn reward points on your card spending, which can be redeemed for a variety of rewards, including travel, merchandise, and vouchers.
Travel Benefits: Access travel-related perks, including discounts on flight bookings, hotel stays, and travel insurance coverage.
Dining Privileges: Avail of special dining discounts and offers at select restaurants, enhancing your dining experiences.
Complimentary Lounge Access: Enjoy complimentary access to domestic and international airport lounges, providing comfort and convenience during travel.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.
Contactless Payments: Use the card for secure and convenient contactless payments.
EMI Facility: Convert high-value transactions into easy EMIs for greater affordability.
Annual Fee Waiver: Achieve a specified spending threshold to receive an annual fee waiver, making the card more cost-effective.
Personalized Assistance: Access dedicated banking services and financial solutions tailored to your unique needs.

Axis Bank ACE Credit Card

When searching for a cashback credit card, I found that Axis Ace was the clear choice. It stood out because no other card provided a flat 2% cashback on all transactions. Plus, as my first cashback credit card, the feature of receiving cash directly into the card account, rather than having to redeem rewards, felt like a significant advantage.

Key Highlights of Axis Bank ACE Credit Card

Fuel Benefits: Enjoy a 1% fuel surcharge waiver at all fuel stations in India, making it cost-effective for fuel purchases.
Dining Discounts: Avail of dining discounts and offers at partner restaurants, enhancing your dining experiences.
Reward Points: Earn EDGE REWARD points on all your card transactions, which can be redeemed for a variety of rewards, including vouchers, merchandise, and more.
Comprehensive Insurance: Benefit from insurance coverage, including air accident insurance and lost card liability, providing security and peace of mind.
Contactless Payments: The card supports secure and convenient contactless payments.
Annual Fee Waiver: Achieve a specified spending threshold to receive an annual fee waiver, making the card more cost-effective.
Interest-Free Period: Enjoy an interest-free period on purchases, provided you pay your outstanding balance in full by the due date.
EMI Facility: Convert high-value transactions into easy EMIs for greater affordability.

HDFC Bank Regalia Gold Credit Card

The HDFC Bank’s Regalia credit card range is highly coveted, known for offering cardholders top-notch travel and lifestyle privileges. Recently, the bank introduced the Regalia Gold credit card, designed to provide luxury travel and stylish shopping experiences through its exclusive rewards and offers.

The Regalia Gold card charges an annual fee of Rs. 2,500. It offers exclusive perks, such as a complimentary MMT Black Elite and Club Vistara Silver Tier membership if you spend over Rs. 1 lakh within 90 days of getting the card. For every Rs. 150 spent on retail purchases, cardholders earn 4 Reward Points. Plus, they enjoy an accelerated rate of 5x Reward Points for every Rs. 150 spent at Nykaa, Reliance Digital, Myntra, and Marks & Spencer, whether in-store or online.

Key Highlights of HDFC Bank Regalia Gold Credit Card

Best Suited For: Travel and Rewards
Annual Fee: Rs. 2,500
Minimum Income Required:

Salaried: Rs. 1 Lakh per month
Self-employed: ITR of Rs. 12 Lakh per year

Best Feature: Earn flight ticket vouchers up to Rs. 10,000 in a year upon reaching spending milestones.
Reward Rate: 4 reward points for every Rs. 150 spent.
5X Rewards: Earn 5X rewards on purchases at Marks and Spencer, Reliance Digital, Myntra, and Nykaa.

ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card stands out as India’s pioneering dual platinum credit card, available in two network variants: Visa and Mastercard. Essentially, you receive the privileges of two credit cards within a single account. This premium card, accompanied by an annual fee of Rs. 2,000, is exceptionally well-suited for frequent travelers. It caters to the needs of substantial spenders, offering a comprehensive array of benefits tailored to their preferences and requirements.

Key Highlights of ICICI Bank Rubyx Credit Card

Dual Reward Program: The Rubyx Credit Card offers a dual reward program where you can earn both PAYBACK Points and ICICI Bank Reward Points on your card spending.
Travel Benefits: Access travel-related perks, including discounts on flight bookings, hotel stays, and travel insurance coverage.
Lifestyle Privileges: Enjoy an array of lifestyle benefits, including dining discounts, shopping offers, and entertainment deals.
Airport Lounge Access: Enjoy complimentary access to domestic airport lounges in India, providing comfort and relaxation during travel.
Contactless Payments: The card supports secure and convenient contactless payments.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.
EMI Facility: Convert high-value transactions into easy EMIs for greater affordability.
Concierge Services: Access personalized concierge services for assistance with reservations, travel bookings, and lifestyle requests.
Reward Points Redemption: Redeem your accumulated reward points for a variety of rewards, including travel, merchandise, and vouchers.

Citibank PremierMiles Credit Card

The Citibank PremierMiles Credit Card shines as one of India’s top travel-focused credit cards. If you’re a frequent traveler, especially within India, this card is an excellent choice. It operates on a reward points system, where you accumulate reward points as AirMiles, commonly referred to as Miles. While you can redeem these Miles for various shopping purposes, their true value shines when used for flight and hotel bookings through partner airlines and hotel chains or via Citibank’s PremierMiles portal. Additionally, you have the flexibility to transfer these Miles to other airline and hotel loyalty programs. To sweeten the deal, Citibank offers a generous signup bonus of 10,000 Miles, and you’ll receive an additional 3,000 Miles each year upon card membership renewal.

Key Highlights of Citibank PremierMiles Credit Card

Miles Rewards: Earn PremierMiles for every transaction, which can be redeemed for flights across multiple airlines and other travel-related expenses.
Welcome Bonus: Get a warm reception with a hefty welcome bonus of PremierMiles when you activate your card and fulfill the initial spending requirements.
Travel Benefits: Access travel-related perks, including discounts on flight bookings, hotel stays, and car rentals.
Airport Lounge Access: Enjoy complimentary access to domestic and international airport lounges, enhancing your travel experiences.
Dining Privileges: Avail of special dining discounts and offers at select restaurants in India.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.
EMI Facility: Convert high-value transactions into easy EMIs for greater affordability.
Contactless Payments: The card supports secure and convenient contactless payments.
Reward Points Transfer: Transfer your earned PremierMiles to various frequent flyer programs for added flexibility.
Comprehensive Insurance: Benefit from comprehensive insurance coverage, including air accident insurance and lost card liability.

IDFC First Private Credit Card

The IDFC FIRST Private Credit Card is an exclusive super-premium credit card available through invitation. It features an incremental reward structure with no limits or expiration on reward points, unlimited airport lounge access, zero forex markup fees, and complimentary memberships. Notably, it provides a unique option to redeem points for charitable donations, even offering tax certificates. This card is well-suited for high-earning individuals who have substantial spending habits. While it competes with other super-premium cards like the Axis Bank Reserve and HDFC Bank Infinia, it does not offer the conversion of reward points into air miles, which is a prominent feature on many premium cards.

AU Bank LIT Credit Card

AU Small Finance Bank has introduced the LIT (Live It Today) Credit Card, a pioneering offering in India’s credit card landscape. This innovative card empowers users to customize their credit card experience according to their lifestyle. Instead of juggling multiple cards for various categories like dining, travel, and more, users can cherry-pick their preferred categories and seamlessly switch between them as needed. What’s more, the AU0101 app provides real-time control and monitoring of these personalized features, putting the power of choice firmly in the hands of the cardholder.

IDFC FIRST Select Credit Card

It’s time to elevate your lifestyle to a premium level. The IDFC FIRST Select Credit Card offers a top-tier rewards program, an array of year-round travel perks, trip cancellation coverage up to Rs.10,000^, all without annual fees and with low interest rates. Experience the luxury of 4 complimentary visits* to domestic airport lounges every quarter, available at major domestic airports. Plus, with no annual fees, no joining fees, and no expiration on reward points, the FIRST Select Credit Card makes indulging in luxury and relaxation effortlessly accessible.

When you carry the IDFC FIRST Select Credit Card, you’ll enjoy remarkably low foreign transaction fees, ensuring a hassle-free international journey. Make the most of our best-in-class features and extensive online shopping benefits, all designed to enhance your lifestyle.

Key Highlights of IDFC FIRST Select Credit Card

On your birthday, earn 10X reward points for every transaction.
Receive complimentary access to domestic airport lounges.
Earn one reward point for each Rs.100 spent.
Enjoy discounts of up to 20% at over 1,500 restaurants nationwide.

Bank of Baroda ( BoB ) Premier Credit Card

The Bank of Baroda Premier Credit Card offers enhanced reward points for transactions conducted via the Premier mobile app or website. Additionally, the card boasts a range of compelling benefits, such as the elimination of fuel surcharge on fuel expenses, complimentary insurance coverage, zero liability protection in case of card loss, complimentary access to airport lounges, and numerous other advantages.

Key Highlights of Bank of Baroda ( BoB ) Premier Credit Card

Accelerated Reward Points: Earn accelerated reward points for transactions made through the Premier mobile app or website, enhancing your rewards accumulation.
Fuel Surcharge Waiver: Enjoy the convenience of a fuel surcharge waiver, making fuel expenses more cost-effective.
Complimentary Insurance: Benefit from complimentary insurance coverage, providing added security and peace of mind.
Zero Liability: In case of a lost card, the cardholder enjoys zero liability protection, safeguarding against unauthorized transactions.
Airport Lounge Access: Access to airport lounges with complimentary visits, enhancing your travel experiences.
Contactless Payments: Use the card for secure and convenient contactless payments.
Additional Benefits: Explore a range of additional benefits and features designed to complement your lifestyle and financial needs.

PNB RuPay Platinum Credit Card

The Punjab National Bank (PNB) RuPay Platinum Credit Card extends a spectrum of advantages to its cardholders, encompassing reward points, cashback perks, and insurance coverage. This PNB credit card imposes no joining fee and incurs an annual fee of Rs. 500, coupled with a monthly interest rate of 2.95%.

Key Highlights of PNB RuPay Platinum Credit Card

Affordable Option: The PNB RuPay Platinum Credit Card is known for its affordability, making it accessible to a wide range of customers.
Domestic Acceptance: Widely accepted across India, it serves as a convenient payment option for various transactions.
Reward Points: Earn reward points on your card spending, which can be redeemed for a variety of rewards, including merchandise and vouchers.
Dining Discounts: Avail of dining discounts and offers at select restaurants, enhancing your dining experiences.
Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.
Interest-Free Period: Benefit from an interest-free period on purchases, provided you pay your outstanding balance in full by the due date.
Contactless Payments: Use the card for secure and convenient contactless payments.
Additional Cards: Cardholders can request add-on cards for family members, allowing them to enjoy the card’s benefits.

American Express Platinum Card

The Platinum Card has been revamped with a sleek stainless steel design, offering a distinct and stylish appearance. Your card details, including the card number and expiry date, are elegantly etched on the reverse side.

As a Charge Card, the American Express® Platinum Card offers the advantage of not having a predetermined spending limit*, providing you with enhanced purchasing capability and the freedom to savor your privileges on your terms.

It’s important to note that approval for your charges is contingent on factors such as your spending habits, financial standing, credit history, and account records. While the term ‘no pre-set limit’ conveys flexibility, please be aware that it doesn’t imply limitless spending.

Key Highlights of American Express Platinum Card

Ideal For: Travel enthusiasts and avid shoppers
Annual Fee: Rs. 60,000 plus applicable taxes
Minimum Income Requirement:

Salaried Applicants: Rs. 25 Lakh p.a.
Self-employed Applicants: Rs. 15 Lakh p.a.

Welcome Benefit: Receive stay vouchers worth Rs. 45,000 valid at Taj, SeleQtions, and Vivanta Hotels.
Outstanding Feature: Remarkable travel advantages and access to multiple lounge access programs.

HDFC Bank INFINIA Credit Card Metal Edition

The HDFC Bank Infinia Credit Card, in its prestigious Metal Edition, is an exclusive super-premium card available by invitation-only from HDFC Bank. This elite credit card is tailor-made for high-income individuals, providing a diverse range of benefits spanning travel, rewards, shopping, dining, and beyond. Renowned for its exceptional rewards rate, the HDFC Infinia Card stands as the preferred choice for those who indulge in significant spending.

Key Highlights of HDFC Bank INFINIA Credit Card Metal Edition

Airport Lounge Access: Gain complimentary access to airport lounges through the Priority Pass Membership and MasterCard Lounge Access Program.
Dining Excellence: Experience top-tier dining privileges at the finest restaurants.
Reward Points: Earn 5 reward points for every Rs.150 spent.

Citibank Prestige Credit Card

As part of the Visa Infinite variant, Citibank’s Prestige credit card occupies a prominent position, offering twice the advantages compared to the PremierMiles Credit Card. It stands out with exclusive travel perks that are unparalleled among credit cards in India. Just like the Citi Premier Miles card, the Prestige card boasts an extensive network of redemption partners, making it the preferred choice for individuals who wish to maximize their benefits from air miles and international hotel loyalty programs.

Key Highlights of Citibank Prestige Credit Card

Travel Benefits: The Citibank Prestige Credit Card offers an array of travel-related privileges, including complimentary international airport lounge access, making your journeys more comfortable.
Miles Rewards: Earn air miles for every transaction made on the card, which can be redeemed for flights and hotel stays.
Complimentary Nights: Enjoy complimentary nights at select luxury hotels when you book a minimum number of nights.
Dining Privileges: Avail of exclusive dining offers and discounts at premium restaurants and dining establishments.
Golf Benefits: Access to golf courses and lessons at some of the best golf clubs in India.
Contactless Payments: The card supports secure and convenient contactless payments.
Personalized Assistance: Benefit from dedicated concierge services and personalized financial solutions.
Complimentary Insurance: Receive comprehensive insurance coverage, including travel insurance and medical emergency coverage.

InterMiles HDFC Bank Diners Club Credit Card

The InterMiles HDFC Bank Platinum Credit Card is a collaborative travel credit card that enables cardholders to accumulate and utilize InterMiles for complimentary flight bookings. Former members of the JetPrivilege Loyalty Program will seamlessly transition to the InterMiles Program, where they’ll earn InterMiles rather than JPMiles from now on.

Key Highlights of InterMiles HDFC Bank Diners Club Credit Card

Card Type: Mid-level
Ideal for: Travel Enthusiasts
Joining Fee: Rs. 5,000
Annual Renewal Fee: Rs. 5,000 (waived upon spending Rs. 8 lakh within a year)
Minimum Income Requirement:

Salaried: Rs. 1.75 lakh per month
Self-employed: Minimum Income Tax Return (ITR) of Rs. 21 lakh per annum

Welcome Benefits: Receive a complimentary Gold Membership and enjoy a bonus of 25,000 InterMiles.
Outstanding Feature: Earn 16 InterMiles for every Rs. 150 spent on flight tickets or hotel bookings.

ICICI Bank Emeralde Credit Card

The ICICI Bank Emeralde Credit Card is a meticulously crafted premium card designed to fulfill the diverse lifestyle requirements of its cardholders. This credit card not only provides an extensive array of lifestyle benefits but also extends its features to various other categories, including entertainment, dining, fuel, and more. With an annual fee of Rs. 12,000, a monthly membership fee of Rs. 1,000, and a competitive interest rate of 3.4%, it offers a comprehensive package tailored to meet your financial and lifestyle needs.

Key Highlights of ICICI Bank Emeralde Credit Card

Premium Lifestyle Privileges: The Emeralde Credit Card offers a range of premium lifestyle benefits, including dining, shopping, and entertainment offers.
Airport Lounge Access: Enjoy complimentary access to domestic and international airport lounges, enhancing your travel experiences.
Travel Benefits: Access travel-related perks, including discounts on flight bookings, hotel stays, and travel insurance coverage.
Concierge Services: Benefit from personalized concierge services for assistance with reservations, travel bookings, and more.
Reward Points: Earn reward points on your card spending, with opportunities to redeem them for various rewards, including vouchers and merchandise.
Dining Discounts: Avail of special dining discounts and offers at select restaurants in India.
Fuel Surcharge Waiver: Get a fuel surcharge waiver at fuel stations across India, helping you save on fuel expenses.
Contactless Payments: The card supports secure and convenient contactless payments.
Interest-Free Period: Enjoy an interest-free period on purchases, provided you pay your outstanding balance in full by the due date.

HDFC Bank Diners Club Black Credit Card

The HDFC Diners Club Black Credit Card stands out as one of India’s top-tier super-premium credit cards, delivering a wealth of advantages spanning various domains such as travel, shopping, rewards, dining, and even golf. With an impressive base reward rate of 3.33%, it perfectly suits those with substantial expenditures. Moreover, frequent travelers will find exceptional value in this card, thanks to its unlimited complimentary lounge access and a favorable forex mark-up fee of just 1.99%.

Key Highlights of HDFC Bank Diners Club Black Credit Card

Milestone Benefits: Earn milestone rewards on reaching specific spending thresholds, including complimentary air tickets.
Lounge Access: Enjoy complimentary access to domestic and international airport lounges, enhancing your travel experiences.
Dining Privileges: Access exclusive dining offers and discounts at select restaurants, making dining out more rewarding.
Reward Points: Earn reward points on your card spending, with the flexibility to redeem them for flights, hotel stays, and more.
Travel Benefits: Avail of travel-related perks, including discounts on flight bookings, hotel stays, and travel insurance coverage.
Golf Benefits: Access to golf courses and lessons at some of the best golf clubs in India.
Contactless Payments: Use the card for secure and convenient contactless payments.
Concierge Services: Benefit from personalized concierge services for assistance with travel bookings, reservations, and lifestyle requests.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.

Axis Bank Magnus Credit Card

The Axis Magnus Credit Card is a high-tier credit card that delivers robust advantages spanning diverse categories. Boasting an impressive 6% reward earn-rate, along with accelerated earnings for monthly spends exceeding Rs. 1.5 Lakh, this card serves as an excellent choice for those with substantial expenses. It offers unlimited access to both domestic and international airport lounges, premium airport VIP services, monthly movie benefits of up to Rs. 2,500, and substantial discounts of up to 40% at select restaurants. To apply for this credit card, Indian residents with an annual income of Rs. 18 Lakh or more are eligible.

Key Highlights of Axis Bank Magnus Credit Card

Generous Rewards: Earn a competitive reward rate, with accelerated earnings for monthly spends exceeding Rs. 1.5 Lakh, making it ideal for high spenders.
Airport Lounge Access: Enjoy unlimited access to domestic and international airport lounges, enhancing your travel experiences.
VIP Airport Services: Access premium VIP services at the airport, adding convenience and luxury to your journeys.
Movie Benefits: Receive monthly movie benefits of up to Rs. 2,500, making your entertainment experiences more cost-effective.
Dining Discounts: Enjoy substantial discounts of up to 40% at select restaurants, allowing you to dine out in style.
Annual Income Requirement: Indian residents with an annual income of Rs. 18 Lakh or more are eligible to apply for this credit card.

Bank of Baroda Eterna Credit Card

The Bank of Baroda Eterna Card stands as a premium card, catering to discerning individuals with its array of exclusive lifestyle perks. While the card boasts a commendable reward rate, it’s worth noting that it does come with a relatively high annual fee. In addition, cardholders can enjoy exclusive privileges such as a Fitpass Pro membership, along with highly rewarding opportunities in travel, dining, and shopping experiences.

Key Highlights of Bank of Baroda Eterna Credit Card

Generous Reward Points: Earn reward points on your card spending, which can be redeemed for a variety of rewards, including merchandise and vouchers.
Dining Privileges: Avail of special dining discounts and offers at select restaurants, enhancing your dining experiences.
Airport Lounge Access: Enjoy complimentary access to domestic and international airport lounges, providing comfort and relaxation during travel.
Milestone Benefits: Receive milestone rewards based on your annual spending, adding extra value to your card usage.
Fuel Surcharge Waiver: Get a waiver on fuel surcharges at designated fuel stations, helping you save on fuel expenses.
Contactless Payments: Use the card for secure and convenient contactless payments.
Insurance Coverage: Benefit from comprehensive insurance coverage, including air accident insurance and lost card liability.
EMI Facility: Convert high-value transactions into easy EMIs for greater affordability.
Personalized Assistance: Access dedicated banking services and financial solutions tailored to your unique needs.