In 2025, several low-cost credit cards offer this perk — and some are even lifetime free. Here’s a handpicked list of cards that deliver great value for budget-conscious flyers.
1. IDFC FIRST Select Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Lounge Access: 2 domestic visits per quarter — activated only if you spend ₹20,000+ in the previous month
- Why It’s Worth It:
Easy to maintain
10× reward points on select spends (including birthdays)
1.99% low forex markup — rare in free cards
- Good For: Regular spenders who want lounge access without annual fees
2. Standard Chartered EaseMyTrip Credit Card
- Fee: ₹350/year (waived on ₹50K spend)
- Lounge Access: 2 domestic airport visits per year
- Extras:
10X rewards on EaseMyTrip bookings
Discounts on hotels and flights
1% fuel surcharge waiver
- Good For: Occasional travelers who book via EaseMyTrip and want basic travel perks at a low cost
3. Axis Bank ACE Credit Card
- Fee: ₹499/year (waived on ₹2L annual spend)
- Lounge Access: 4 domestic visits per year
- What You Get:
5% cashback on utility payments via Google Pay
4% on dining and food delivery
1.5% flat on all other spends
- Why It Stands Out: It’s a cashback card first — the lounge access is a cherry on top
4. Tata Neu Plus HDFC Credit Card
- Fee: ₹499/year
- Lounge Access: 1 domestic visit per quarter (4/year)
- Extras:
Earn NeuCoins on Tata ecosystem spends
1% fuel waiver
Useful for those who use Tata services frequently
- Use Case: Moderate spenders and Tata Neu users who want light travel perks
5. HSBC Live+ Credit Card
- Fee: ₹999/year (waived on ₹2L spend)
- Lounge Access: 4 visits/year to domestic lounges
- Highlights:
₹1,000 welcome cashback
Up to 10% cashback on categories like groceries, dining, and OTT
Strong customer service reputation
- Who Should Consider It: Spenders who value rewards and want occasional lounge access with premium-like support
If you want lounge access without committing to ₹5K+ annual fees, these cards strike a great balance. IDFC Select offers the most flexibility for high spenders. Axis ACE is excellent for those who want cashback and occasional travel comfort.