CardPolo
Lounge access

What does your card actually claim at the lounge door?

44 of the 91 cards in this catalog list lounge access in their benefit text, 40 from India and 4 from the US. Each card below shows its own lounge line as recorded, its annual fee, and whether that record is verified against the issuer. Lounge terms change often, so confirm in your issuer app before travelling.

44
Cards listed
40
India
4
United States
1
Issuer-verified

Why can a card list lounge access and still turn you away?

Lounge access is the most volatile benefit on an Indian credit card right now.

Issuers have been attaching spend criteria to lounge programmes, re-cutting who qualifies each quarter, and in some cases withdrawing access from a card that still advertises it. These changes arrive by app notification or a revised terms document, often close to the date they take effect, which is why people find out at the counter rather than before the trip.

This page publishes what each card record says, and nothing beyond it. Where a benefit line states no spend condition, that is the absence of a recorded condition, not proof that none applies. Treat everything below as the claim to check, not the entitlement you have. Confirm in your issuer app, and on the current terms document, before you travel.

Changes we have logged Match changes to the cards you hold

Which cards in the catalog list lounge access?

These 44 cards each mention a lounge in their own benefit text. The lines under each card are reproduced exactly as recorded: where the record states a visit count, you see that count, and where it states nothing further, this page stays silent too.

India-issued cards

40Listed cheapest annual fee first. The lounge wording under each card is the card record, unedited.
No fee
Annual fee
  • Unlimited international + domestic lounge access
Not yet verified against the issuer
No fee
Annual fee
  • Unlimited international lounge visits via LoungeKey
Not yet verified against the issuer

IDFC FIRST Select

IDFC FIRST Bank
No fee
Annual fee
  • 4 complimentary domestic + 2 international lounge visits per quarter
Not yet verified against the issuer

IDFC FIRST Wealth

IDFC FIRST Bank
No fee
Annual fee
  • 4 international + 4 domestic lounge visits per quarter
Not yet verified against the issuer

IDFC FIRST Wow

IDFC FIRST Bank
No fee
Annual fee
  • 4 complimentary domestic lounge visits/quarter
Not yet verified against the issuer
No fee
Annual fee
  • 4 international + 8 domestic lounge visits/year
Not yet verified against the issuer

IndusInd Tiger

IndusInd Bank
No fee
Annual fee
  • Unlimited domestic + international lounge access (self + guest)
Not yet verified against the issuer
₹199
Annual fee
Fee waived at ₹50,000 annual spend, per the record.
  • 2 domestic lounge visits/year
Not yet verified against the issuer

Axis ACE

Axis Bank
₹499
Annual fee
Fee waived at ₹2,00,000 annual spend, per the record.
  • 4 complimentary domestic airport lounge visits per year
Not yet verified against the issuer
₹500
Annual fee
Fee waived at ₹3,50,000 annual spend, per the record.
  • 4 complimentary domestic lounge visits per year
Not yet verified against the issuer

ICICI Coral

ICICI Bank
₹500
Annual fee
Fee waived at ₹1,50,000 annual spend, per the record.
  • 4 complimentary domestic lounge visits per year
Verified against the issuer on Jul 14, 2026
Issuer source

Kotak Royale Signature

Kotak Mahindra Bank
₹999
Annual fee
Fee waived at ₹2,50,000 annual spend, per the record.
  • 2 complimentary domestic lounge visits per quarter
Not yet verified against the issuer
₹1,000
Annual fee
Fee waived at ₹1,00,000 annual spend, per the record.
  • 8 complimentary domestic airport lounge visits per year
Not yet verified against the issuer
₹1,499
Annual fee
Fee waived at ₹2,00,000 annual spend, per the record.
  • Up to 5% railway lounge access discount
  • 8 complimentary domestic airport lounge visits/year
Not yet verified against the issuer
Issuer document on file
₹1,499
Annual fee
Fee waived at ₹2,00,000 annual spend, per the record.
  • 4 domestic lounge visits/year
Not yet verified against the issuer

SBI Pulse

SBI Card
₹1,499
Annual fee
Fee waived at ₹2,00,000 annual spend, per the record.
  • 4 domestic lounge visits/year
Not yet verified against the issuer
₹1,499
Annual fee
Fee waived at ₹3,00,000 annual spend, per the record.
  • 8 complimentary domestic + 4 international lounge visits / year
Not yet verified against the issuer

ICICI Rubyx

ICICI Bank
₹2,000
Annual fee
Fee waived at ₹3,50,000 annual spend, per the record.
  • 4 international + 6 domestic lounge visits/year
Not yet verified against the issuer

HDFC Regalia

HDFC Bank
₹2,500
Annual fee
Fee waived at ₹3,00,000 annual spend, per the record.
  • 12 domestic + 6 international lounge visits/year
Not yet verified against the issuer
₹2,500
Annual fee
Fee waived at ₹4,00,000 annual spend, per the record.
  • 4 complimentary international lounge visits per year (Priority Pass)
  • 12 complimentary domestic lounge visits per year
Not yet verified against the issuer
₹2,500
Annual fee
Fee waived at ₹6,00,000 annual spend, per the record.
  • 4 international + 4 domestic lounge visits/year
Not yet verified against the issuer

SBI Prime

SBI Card
₹2,999
Annual fee
Fee waived at ₹3,00,000 annual spend, per the record.
  • 8 domestic + 4 international lounge visits/year
Not yet verified against the issuer
₹3,000
Annual fee
Fee waived at ₹7,50,000 annual spend, per the record.
  • 8 domestic lounge visits/year
Not yet verified against the issuer
₹3,000
Annual fee
Fee waived at ₹8,00,000 annual spend, per the record.
  • 8 international + 8 domestic lounge visits/year
Not yet verified against the issuer

ICICI Sapphiro

ICICI Bank
₹3,500
Annual fee
Fee waived at ₹6,00,000 annual spend, per the record.
  • 2 complimentary international + 4 domestic lounge visits/year
Not yet verified against the issuer
₹4,999
Annual fee
Fee waived at ₹5,00,000 annual spend, per the record.
  • 8 international + 8 domestic lounge visits/year
Not yet verified against the issuer

SBI ELITE

SBI Card
₹4,999
Annual fee
Fee waived at ₹10,00,000 annual spend, per the record.
  • 6 international + 8 domestic lounge visits/year
Not yet verified against the issuer
₹4,999
Annual fee
Fee waived at ₹15,00,000 annual spend, per the record.
  • Unlimited domestic + 4 international lounge visits/quarter
Not yet verified against the issuer

Standard Chartered Ultimate

Standard Chartered
₹5,000
Annual fee
Fee waived at ₹15,00,000 annual spend, per the record.
  • 4 complimentary international lounge visits/year
Not yet verified against the issuer

AU Bank Zenith

AU Small Finance Bank
₹7,500
Annual fee
Fee waived at ₹8,00,000 annual spend, per the record.
  • 8 complimentary international lounge visits per quarter
  • 12 complimentary domestic lounge visits / year
Not yet verified against the issuer

SBI Aurum

SBI Card
₹9,999
Annual fee
Fee waived at ₹15,00,000 annual spend, per the record.
  • Unlimited domestic + 6 international lounge visits/quarter
Not yet verified against the issuer
₹10,000
Annual fee
Fee waived at ₹5,00,000 annual spend, per the record.
  • 6 complimentary international lounge visits per quarter (Priority Pass)
  • Unlimited domestic lounge access
Not yet verified against the issuer

Axis Magnus

Axis Bank
₹12,500
Annual fee
Fee waived at ₹25,00,000 annual spend, per the record.
  • Unlimited international + domestic lounge access (Priority Pass)
Not yet verified against the issuer
₹12,500
Annual fee
Fee waived at ₹10,00,000 annual spend, per the record.
  • Unlimited international + domestic lounge access (self + guest)
Not yet verified against the issuer
Issuer document on file

IndusInd Pinnacle

IndusInd Bank
₹12,999
Annual fee
Fee waived at ₹10,00,000 annual spend, per the record.
  • Unlimited domestic + 6 international lounge visits/quarter
Not yet verified against the issuer

Axis Reserve

Axis Bank
₹50,000
Annual fee
Fee waived at ₹25,00,000 annual spend, per the record.
  • Unlimited international + domestic lounge visits
Not yet verified against the issuer

US-issued cards

4Fewer cards, and their lounge benefits are usually programme membership rather than a visit count.
$95
Annual fee
  • Two complimentary visits/year to Capital One Lounges
Not yet verified against the issuer
$395
Annual fee
  • Unlimited Priority Pass + Capital One Lounges access
Not yet verified against the issuer
$550
Annual fee
  • Priority Pass Select + Chase Sapphire Lounge access
Not yet verified against the issuer
$895
Annual fee
  • Centurion Lounge + Priority Pass + Delta SkyClub access
Not yet verified against the issuer

1 of these 44 records carry a verification date, and 6 more have an issuer document on file that has not been re-checked field by field. The rest say so on their own chip. We would rather show you a thin record honestly labelled than a confident one we cannot stand behind.

Longer read: the guide to Indian credit card lounge access, and the full card catalog if lounge access is not the benefit you are actually buying.

What has changed on the cards above?

Every post below tags at least one card on this page and cites an issuer notice or a reported source. Not all of them touch lounge terms; open the post to see what the change actually was.

devaluation
Jul 12, 2026·confirmed
IDFC First devalues its lifetime-free cards: base earn cut 25%, forex rewards halved
Cards on this page: IDFC FIRST Wealth, IDFC FIRST Select
devaluation
Jul 12, 2026·confirmed
ICICI reworks rewards: Emeralde stops earning on rent, fuel, govt & tax; 2% gaming fee added
Cards on this page: ICICI Emeralde Private Metal
devaluation
Jul 12, 2026·confirmed
HDFC caps SmartBuy brand-voucher earnings at 3,000 points/month: Infinia hit hardest
Cards on this page: HDFC Infinia (Metal), HDFC Diners Club Black, HDFC Regalia
devaluation
Jul 12, 2026·confirmed
HDFC Infinia now demands ₹18L annual spend or ₹50L relationship value to keep the card
Cards on this page: HDFC Infinia (Metal)
devaluation
Jul 12, 2026·confirmed
Amex Platinum annual fee jumps to $895 (from $695), a 29% increase
Cards on this page: American Express Platinum
All logged changes

How do you confirm what your card gives you today?

  1. 1
    Open the issuer app, not a comparison page

    The benefits or offers section of your own card in the issuer app is the only place that reflects the criteria applied to your account this quarter. That includes ours: this page is a claim index, the app is the entitlement.

  2. 2
    Read the current terms document for your card

    Issuers publish a fee schedule or most-important-terms document and revise it when a programme changes. Where we hold that document for a card above, it is linked on the card as the issuer source or issuer document.

  3. 3
    Check the lounge programme separately from the card

    If your benefit runs through a lounge programme rather than the bank directly, the programme decides which lounges honour it. That list is maintained by the programme, changes without the bank announcing anything, and is worth checking against the terminal you are actually flying from.

  4. 4
    Track the change, do not re-check from memory

    When a card you hold is affected by a logged change, we tag it so it surfaces against your wallet rather than in a general feed.

Questions people ask

›How many cards in the catalog list lounge access?

44 of 91, from 15 issuers: 40 India-issued and 4 US-issued. A card is on this page only because its own benefit text mentions a lounge, so the list moves when the catalog moves.

›How many of these lounge records are verified against the issuer?

1 of 44: ICICI Coral (Jul 14, 2026). The remaining 43 are labelled not yet verified on this page, and 6 of those have an issuer document on file that has not been re-checked field by field.

›Do the visit counts on this page include spend conditions?

Only if the card record says so. We print each lounge benefit exactly as it is recorded and add nothing to it, so a card whose line states no spend condition is a card whose line we have not confirmed either way. Banks in India have been attaching spend criteria to lounge programmes with little notice, and those conditions live in the issuer terms, not here.

›Are these CardPolo estimates of lounge access?

No. There is no lounge model, no scoring and no separate lounge dataset on this page. Every line is the card record’s own wording, and every count in the copy is calculated from those records at build time.

›Which of these cards charge no annual fee?

8 of 44: IDFC FIRST Wealth, AU Bank LIT, IndusInd Tiger, IDFC FIRST Select, Axis Burgundy Private, IndusInd Iconia Amex, IDFC FIRST Wow, HSBC Premier. A zero annual fee in the record is a fee fact, not a promise about the lounge benefit attached to it.

›Can the annual fee be waived on these cards?

31 of 44 record a spend threshold that waives the fee, shown under each card where we hold it. The rest record no waiver, which means we have not confirmed one rather than that none exists.

›Where are changes to these cards logged?

In our news feed at /news. Every post there has to cite an issuer notice or a reputable report before it can publish, and each one tags the cards it affects, so a change to a card you hold is matched to your wallet rather than buried in a feed.

›Why is there no per-airport or per-terminal lounge checker here?

Because we would have to invent the data. Which lounge honours which card at which terminal changes by contract and by day, and we hold no live entitlement feed. The issuer app and the lounge programme app are the only current answer, and this page points you at them instead of guessing.

Hold one of these cards?

Add it to your wallet and every logged change to that card comes to you, instead of waiting at a lounge desk to find out.

Build my walletBrowse all 91 cards