Can I Use My Friend’s Credit Card for Lounge Access: Possibilities, Consequences and Alternatives

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

  • 14 Oct 25
  • 5 mins
it is not possible to use a friend's credit card for lounge access without approval

Can I Use My Friend’s Credit Card for Lounge Access: Possibilities, Consequences and Alternatives

avatar of shreyansh singh
avatar of shreyansh singh Shreyansh Singh
  • 08 Mins
  • 14-10-25

Key Takeaways

  • You generally cannot use your friend’s credit card for lounge access unless you are an authorised user or accompanying them as a guest.
  • Premium cards like HDFC Bank Infinia Credit Card allow guest entries through Priority Pass when travelling together.
  • If your friend adds you as an authorised or add-on user, you can enjoy the same lounge access benefits.
  • Using your friend’s card without permission may result in denial of entry, card blocking, or legal penalties.
  • If you travel often, you can get your own credit card with lounge access or buy a Priority Pass for legitimate entry.

Air travel can be exhausting. In between those crowded spaces, long lines and hours of waiting, most of us desperately need a comfortable space to relax. Right?

In such cases, airport lounges are the perfect hideaway. They elevate your travel experience by offering a calm environment, food, Wi-Fi, and other premium services. But what if your card does not provide complimentary lounge access, while your friend’s does? Then, you might wonder, ‘Can I use my friend’s credit card for lounge access?’

Even though it may sound simple, airport lounge policies in terms of using your friend’s credit card can be tricky. This blog answers your question and discusses the possibilities and alternatives.

When Can You Use Your Friend’s Card for Lounge Access?

when can I use my friend's card for lounge access at airports

Interestingly, you can use your friend’s card for lounge access when you are:

  • Travelling Together

Suppose your friend holds a premium card, such as the HDFC Bank INFINIA Credit Card Metal Edition. In that case, they can bring guests to premium lounges at international airports through the Priority Pass program. Whether at Delhi airport or Mumbai airport, these lounges offer some of the best airport experiences in India.

  • An Authorised User

You can also ask a friend to add you as an authorised user on the card. You can even request a friend to add you as an authorised card user on the card. Then, you will be issued a supplementary card. It will allow you to avail all the rewards, including free lounge access.

Note: Please read the relevant terms and conditions of the card and the lounge schemes carefully for further information.

What are the Consequences of Using Your Friend’s Card for Lounge Access?

Other than the circumstances mentioned above, if you visit the lounge alone with your friend’s credit card in hand and not as an authorised user, you will be refused entry.

In some cases, situations like this can be flagged as suspicious activity on the card. It can also lead to temporary blockage of the card, creating trouble for both you and your friend. You could get legally penalised, and this will delay your travels.

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Alternative Options to Consider for Credit Card Lounge Access

If you fly frequently by air and are ready to experience the luxury lounge experience, here are some clever and secure alternatives to consider:

  • Purchase a Lounge Pass to your favourite lounge
  • Join Priority Pass or a competing lounge membership
  • Apply for credit and debit cards that grant free lounge access

Why is Lounge Access So Restricted?

Restricted lounge access at airports

Airport lounges are more like a premium park. These are mostly reserved for premium seats and day-pass holders. Airlines and other associated companies enhance the lounge ambience with exotic food, décor, and beverages to build trust and reward their loyal customers.

This is why access to airport lounges comes with strict restrictions. These stringent protocols help to reserve lounges as a high-end service, not a universal feature.

Conclusion

So, can I use my friend’s credit card for lounge access? The answer simply is no. Most lounges are designed to provide a premium experience to primary cardholders. If you travel frequently, take the hassle out of joining and paying an annual fee by applying for a credit card with Airport Lounge Access or signing up for a Lounge Pass subscription program, allowing you to enjoy all the benefits.

FAQs

Can I use my friend’s credit card for lounge access?

No, you cannot use your friend’s credit card for lounge access unless you are an authorised user or travelling together as their guest.

What happens if I try to use my friend’s credit card at the lounge?

The lounge staff will deny entry, and your friend’s card may be flagged for suspicious activity or temporarily blocked.

Can my friend take me as a guest for lounge access?

Yes, certain premium credit cards like HDFC Infinia and Axis Magnus allow guest lounge access for accompanying travellers.

What is an authorised user or add-on cardholder?

An authorised user is someone officially added to a primary card account, receiving an add-on card with lounge access and other benefits.

Do all credit cards offer guest access at lounges?

No, only select premium or travel-focused cards include guest access under Priority Pass or LoungeKey programs.
About the author
Shreyansh Singh

Shreyansh Singh

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

by Sandipan Mitra

Key Takeaways Add-on credit cardholders can get lounge access on...
  • 14-10-25
  • 5 mins
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