List of Top 12 Lifetime Free Credit Card with Lounge Access

Are you looking for lifetime free credit card with lounge access? With India’s passenger traffic expected to soar from 412 million in 2024–25 to 470 million by 2026–27, the demand for comfort and convenience while travelling is higher than ever.

Whether you are a frequent traveller or travel domestically or internationally occasionally, having the right credit card can help you enhance your journey with complimentary lounge access and travel rewards, all without any annual fees.

So, let us explore some of the top lifetime free credit cards with lounge access, offering other premium perks without any added cost.

Top 12 Lifetime Free Credit Cards with Lounge Access

Here is a detailed list of lifetime free credit cards with lounge access. Continue exploring:

1. Scapia Federal Bank Credit Card

This card is highly beneficial for frequent flyers, offering no foreign exchange markup and 100% value return at participating shopping outlets and dining outlets at airports.

This is a reward-type credit card, so be ready to enjoy a lot of perks, including lounge access.

• Rate of Rewards: 2% to 4%
• Reward Redemption: Booking for travel directly on the Scapia app
• Ideal Use: 100% value back on spending in airport outlets, and zero forex markup at international spending 
• Domestic Airport Access to Lounge: Unlimited number of visits
• International Airport Access to Lounge: Not applicable

Suggested Read: Federal bank credit card lounge access

2. Kiwi RuPay Credit Card

The most significant advantage of the Kiwi credit card is its cashback program, which allows individual cardholders to earn 1% to 5% cashback. 

A high cashback rate of 2% to 5% is also available, but only through the Neon subscription. For this feature, Kiwi is preferred by many cardholders, especially those seeking a digital version of a RuPay credit card with cashback benefits. 

• Rate of Rewards on UPI Spending: 1% to 5%
• Rate of Reward on Other Spending: Not Applicable 
• Cap on UPI Rewards: None
• Complimentary Form of Airport Lounge Access Availability: Yes, available but with Neon subscription

Suggested Read: Rupay credit card lounge access

3. Tata Neu Infinity HDFC Bank Credit Card

This card is an excellent choice for RuPay UPI transactions and purchases across partner brands on the platform. 

What makes it stand out is its complimentary airport lounge access, available both domestically and internationally, with no minimum spend requirement, making it a rewarding pick for frequent travellers and smart shoppers alike.

• Rate of Reward: 5% of payment of bills and Tata Neu spending, with 1.5% on UPI spending
• Ideal for: Spending 1.5% on UPI, 5% NeuCoins for bill payments, and spending on Tata Neu partner brands
• Domestic Airport Lounge Access: 2 complimentary visits
• International Airport Lounge Access: 1 complimentary visit

Suggested Read: HDFC credit card lounge access

4. Axis Bank Privilege Credit Card

Cardholders enjoy complimentary domestic lounge access at select airports, reward points on every spend, and exclusive dining privileges. With milestone benefits, accelerated rewards, and easy redemption, it suits frequent travellers seeking luxury experiences without worrying about annual fees or hidden costs.

• Ideal Usage: BOGO on District Movies
• Rate of Reward: 1%, with 10,000 bonus points on ₹2.5 lakh spending annually
• Ideal Use: For travel, shopping, and lounge access benefits.
• Lounge Access to Domestic Airport: 8 complimentary visits each year

Suggested Read: Axis bank credit card lounge access

5. BoB Premier RuPay Credit Card

Also, this card offers a competitive 2.5% reward rate on international transactions. For these distinguishing features and rewards, this credit card is an ideal choice for frequent travellers. 

• Ideal Use: RuPay JCB offers, BoB merchant offers
• Rate of Rewards: 0.5% - 2.5%
• Access to Domestic Lounge: 1 complimentary visit per quarter
• Access to International Lounge: 1 complimentary visit per quarter

Suggested Read: Bank of baroda credit card lounge access

6. IDFC First Bank Credit Card

Also, this card offers complimentary access to airports and railways, as well as roadside assistance and other benefits. Overall, the card is thus a great choice for individual cardholders. 

• Reward Rate: Till 2.5%
• Ideal Use: 10X rewards, spending online
• Low Interest Rates: Enjoy competitive interest rates starting as low as 0.71% per month, helping you save on outstanding balances.
• Welcome Benefits: Receive gift vouchers worth up to ₹500 on your first transaction within 30 days of card issuance.
• Access to Lounge: Both railways and airport lounges, depending on the chosen variant

Suggested Read: IDFC bank credit card lounge access

7. HSBC Visa Platinum Credit Card

The distinguishing features of this card are redeeming rewards for Airmiles and earning a Hotel Loyalty membership. Accumulated rewards can be transferred in a 1:1 ratio to British Airways Avios and Singapore Airlines KrisFlyer.

This is an ideal choice for every individual who travels frequently and wants to maximise their rewards. 

• Rate of Rewards: 1.3% to 3%
• Reward Redemption: Credit statement and Airmiles
• Ideal Use: Spend comparatively more than ₹4 lakh for 5X rewards and transferring to travel partners
• Lounge Access to Airport: Applicable only for the first year

8. IndusInd Bank Legend Credit Card

Moreover, you can also access your complimentary zero-balance Select savings account with several advantages. Thus, if you are looking to maximise your savings and rewards, go for the IndusInd Legend credit card. 

• Rate of Rewards: 0.5% to 1.5%
• Redemption of Rewards: Credit of the statement
• Ideal Usage: Complimentary zero balance savings account, merchant offers
• Lounge Access to Domestic Airport: 1 visit each quarter

9. IndusInd Bank Tiger Credit Card

It provides up to 6 accelerated reward points per ₹100 spent, a 1.5% discounted forex markup, complimentary golf game offers quarterly, and movie ticket offers, enhancing lifestyle and travel benefits effortlessly.

• Type of Card: Airmiles/cashback
• Rate of Reward: 0.4% to 4%
• Ideal Usage: Merchant offers
• Lounge Access to Domestic Airport: 2 visits each quarter
• Lounge Access to International Airport: 2 trips each year

Suggested Read: Indusind bank credit card lounge access

10. Ixigo AU Bank Credit Card

Cardholders enjoy complimentary domestic airport lounge access, making journeys more relaxing. It provides exciting rewards on hotel, flight, and train bookings via the Ixigo app. With zero annual fees, this card ensures seamless travel experiences while maximising savings for frequent flyers.

• Rate of Rewards: 1% to 10%
• Ideal Usage: Booking flights on Ixigo and spending internationally
• Lounge Access to Domestic Airport: 8 visits each quarter
• Lounge Access to International Airport: 1 visit each quarter
• Lounge Access to Railways: 8 visits each year

11. AU Bank Xcite Ultra Credit Card

Cardholders can enjoy complimentary lounge access, accelerated reward points, fuel surcharge waivers, and easy EMI conversion options. It provides a seamless and rewarding spending experience with no annual or hidden charges, making this lifetime free credit card with lounge access ideal for frequent travellers.

• Rate of Reward: 1% to 3%
• Redemption of Reward: Redeem rewards, particularly for Amazon Pay GV vouchers
• Ideal Use: International Spending
• Lounge Access to Domestic Airport: 2 visits each quarter
• Lounge Access to International Airport: Not applicable
• Lounge Access to Railways: 2 visits each quarter 

Suggested Read: AU bank credit card lounge access

12. AU Bank Xcite Ace Credit Card

With no joining or annual fees, it ensures savings, comfort, and exclusive privileges, making everyday spending more rewarding and seamless.

• Rate of Reward: 1% to 3%
• Redemption of Rewards: Statement Credit
• Ideal Usage: Spending ₹20,000 to avail 35% cashback on spending
• Lounge Access to Domestic Airport: 2 visits each quarter
• Lounge Access to International Airport: Not applicable

No matter which lifetime free credit card with airport lounge access you choose, manage and pay your credit card bills effortlessly through the PICE App. With its secure payment gateway, real-time tracking, and support for multiple bank cards, PICE makes credit card management simple, fast, and reliable, all in one place.

8 Benefits of Lifetime Free Credit Cards with Lounge Access

1. They are very cost-effective because there are no joining or annual fees. Cardholders can enjoy premium benefits without worrying about ongoing maintenance costs.
2. Free access to airport lounges makes travel more comfortable and convenient. Cardholders can relax, have a snack, and work without interruption before their flights.
3. Users can earn and redeem reward points on every purchase to save on shopping, travel, and lifestyle costs, increasing their overall savings.
4. Cashback and discounts on shopping and dining make spending money every day more fun, helping cardholders save on their regular purchases.
5. Contactless payments make transactions faster, safer, and cleaner, and they make paying at stores, restaurants, and airports easier.
6. Fuel surcharge waivers help frequent travellers save on petrol, making their daily commutes and road trips cheaper and less stressful.
7. Global acceptance means that cardholders can use their credit cards anywhere in the world without payment issues. This makes transactions easy when travelling abroad.
8. Free add-on cards let family members enjoy the same perks, like access to lounges, reward points, and cash back.

How to Choose the Best Lifetime Free Credit Card for Airport Lounge Access?

Here are the factors to consider to choose the best lifetime free credit card for airport Here are the factors to consider to choose the best lifetime free credit card for airport lounge access in India, hassle-free:

1. Navigate through the benefits of each credit card's lounge access and compare thoroughly. Also, consider the number of complimentary visits annually, regardless of whether lounge access is provided to the domestic or foreign lounge. 
2. Find out the lounge network coverage. Always opt for a card offering access to a wide network of airports and lounges. 
3. Look into the annual and other fees applicable to your credit card. Make sure the overall costs of your card are reasonable given your spending habits. 
4. Alongside lounge access, also consider the overall rewards and benefits of your chosen lifetime free credit card. It might also consider airport transfers, concierge services, and attractive discounts on shopping and dining. 
5. Go through the terms and conditions associated with your credit card, especially the lounge access. Consider particularly if there are any restrictions or eligibility criteria for lounge benefits. 
6. Consider the feedback and customer testimonials for the credit card you are considering. This way, you can retrieve information about customer service, the lounge access experience, and the satisfaction level of individual cardholders. 

Conclusion

Choosing the right lifetime free credit card with lounge access lets you enjoy hassle-free travel. Whether you are a frequent international flyer or planning leisure trips, these cards offer value and comfort.

Make sure to review the rewards program and eligibility criteria on PICE before you apply for the one that aligns with your needs. Avail free lounge access and exclusive offers without worrying about renewal costs. 

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