10 Best Airport Lounge Access Debit Cards in India 2025

Joining Fee: Waived for members of the HDFC Bank Infiniti Banking Programme
Annual Fee: Rs. 2,500

Lounge Access Benefit: 16 complimentary visits annually, limited to 4 per quarter.

Other Benefits:

• Up to 5% CashBack on your Debit Card on transacting through PayZapp & SmartBuyTaj Vouchers worth Rs 7500 each quarter for spends of 3 lakhs or above in a quarter
• 8 complimentary golf games/lessons annually, limited to 2 per calendar quarter
• Low cross currency mark-up of 0.99%
• Insurance covers benefits of up to Rs. 3 crore

Joining Fee: Rs. 1,999
Annual Fee:  Rs. 1,999

Lounge Access Benefits:

• 4 complimentary access to airport lounges per quarter across India
• From the third quarter onwards, benefit is subject to spending at least Rs. 5,000 in the previous calendar quarter

Other Benefits:

• 4 reward points on every Rs. 200 spent domestically
• 8 reward points on every Rs. 200 spent internationally
• 25% discount on booking movie tickets via BookMyShow
• 25% discount on movie tickets purchased at INOX movies multiplexes
• Fuel surcharge waiver on your fuel transactions at multiple fuel stations across the country

Joining Fee: Nil
Annual Fee: Nil

Lounge Access Benefits:

• 3 complimentary domestic lounge access per calendar quarter for both cardholder and companion
• 2 complimentary international lounge access per quarter

Other Benefits:

• Personal Accident Insurance cover of Rs. 1,00,00,000
• Air Accident Insurance cover of Rs. 2,50,00,000
• Trip cancellation Cover of Rs. 1,00,000
• 1 complimentary golf access per month
• 24×7 complimentary concierge service

Joining Fee: Nil
Annual Fee: Nil (Rs. 1500 for non-maintenance of Burgundy status)

Lounge Access Benefit: 3 complimentary lounge access per quarter (subject to spending Rs. 5,000 in the previous quarter)

Other Benefits:

• Buy One Get One offer via BookMyShow
• Rs. 1,000 off on dining via Axis Bank Dining Delights Program
• Personal accident insurance cover of up to Rs. 15 Lakh
• Air Accident Insurance cover of up to Rs. 1 crore
• 1 eDGE reward point on every Rs. 200 spent domestically
• 2 eDGE reward points on every Rs. 200 spent internationally

Joining Fee: Nil (Rs. 3,000 for non-Burgundy account holders)
Annual Fee: Nil (Rs. 3,000 for non-Burgundy account holders)

Lounge Access Benefits:
3 complimentary lounge access per quarter (subject to spending Rs. 5,000 in the previous quarter)

Other Benefits:

• Rs. 500 off on dining via Axis Bank Dining Delights Program
• Personal accident insurance cover of up to Rs. 10 Lakh
• Air Accident Insurance cover of up to Rs. 1 crore
• 1 eDGE reward point on every Rs. 200 spent
• 2 eDGE reward points on every Rs. 200 spent
• Bonus 150 rewards on first online transaction

Joining Fee: Rs. 599
Annual Fee: Rs. 599

Lounge Access Benefits:

• 2 complimentary domestic airport lounge access per quarter
• 2 complimentary International airport lounge access per annum

Other Benefits:

• OTT Benefits from Amazon Prime or Zee5 or SonyLiv every year
• Voucher from Flipkart and BigBasket or Blinit worth Rs. 250 every quarter
• Movie benefits with BookMyShow (Flat Rs. 250 off on the purchase of 2 movie/non-movie tickets once per quarter)
• 12 Month complimentary subscription of Gaana Plus Pack
• Bill payment benefits with Amazon and discount benefits on Swiggy of up to 20% discount (capped at Rs. 100 per month), every Friday
• 10% instant discount on domestic and international flight bookings of up to Rs. 1,000 and Rs. 5,000 respectively
• 15% instant discount on domestic and international hotel bookings of up to Rs. 5,000 and Rs. 10,000 respectively
• 10% instant discount maximum up to Rs. 250 on bus ticket bookings
• Discount benefits on Spree Hotels, Yolo Bus Booking, Airport Transfer/Outstation Cab  and activity booking

Joining Fee: Rs. 150
Annual Fee: Rs. 150

Lounge Access Benefits:

• 2 complimentary lounge access per calendar quarter at airports across India

Other Benefits:

• 1 CashBack point on every Rs. 100 spent on telecom & utility categories
• 1 CashBack point on every Rs. 200 spent on groceries & supermarket, restaurant & apparels and entertainment categories
• Up to 5% cashback on your transactions via PayZapp & SmartBuy
• Death cover by air/ road/ rail – Sum insured up to Rs. 12 lakh

Joining Fee: Rs. 699
Annual Fee: Rs. 699

Lounge Access Benefits:

• 2 complimentary access to airport lounges per quarter across India
• From the third quarter onwards, this offer is available only if you have at least spent Rs. 10,000 in the previous calendar quarter

Other Benefits:

• 2 reward points on every Rs. 200 spent domestically
• 4 reward points on every Rs. 200 spent internationally
• 25% off up to Rs. 100 once every month on purchase of minimum 2 tickets via BookMyShow
• 25% off up to Rs. 50 twice every month on purchase of minimum 2 tickets (Applicable on INOX)

Joining Fee: Nil
Annual Fee: Nil

Lounge Access Benefit: 2 Complimentary domestic lounge access every quarter at select airport lounges in India

Other Benefits:

• Lost Card Liability cover of Rs. 6 Lakh
• Personal Accident Insurance cover of Rs. 35 Lakh
• Air Accident Insurance cover of Rs. 1 crore
• Purchase Protection cover of Rs. 1 Lakh
• Dining and other offers from top brands

Joining Fee: (levied as per terms & conditions of Savings/Current account)
Annual Fee: (levied as per terms & conditions of Savings/Current account)

Lounge Access: 2 complimentary airport lounge access per quarter

Other Benefits:

• Up to 2 reward points for every Rs. 200 spent
• Fuel surcharge waiver at selected pumps
• Zero liability protection cover

There is no doubt that debit cards can be beneficial in terms of lounge access, but there are a few things that you should keep in mind:

• Not all debit cards offer airport lounge access
• Some debit cards offer lounge access only for the domestic lounges, while other offers domestic as well as international lounge access
• In some cases, airport lounge access on debit cards is subject to achieving spending milestones
• The number of lounge visits are limited depending on the variant of your card
• Complimentary lounge visits are offered only for the primary cardholders on most of the cards

In comparison to debit cards, credit cards are a better alternative to avail complimentary lounge access benefits. Most of the debit cards offer domestic lounge access, and even when some offer international lounge access, the frequency is comparatively low.

At a similar annual fee, credit cards offer better benefits as compared to debit cards. For instance; at an annual fee of Rs. 999, YES First Preferred Credit Card offers 4 international and 8 domestic lounge access every year. On the other hand, ICICI Sapphiro Debit Card comes at an annual fee of Rs. 1,499, but only offers 4 domestic lounge access every year, that too only for the first two years. Third year onwards, you are required to achieve a spending milestone to avail this facility.

Overall, debit cards might be a good option if you occasionally travel within India. If you are someone who frequently travels worldwide, then you can go for credit cards if you want to avail airport lounge access. Here are some of the top credit cards that offer complimentary airport lounge access: