55 lifetime free credit cards that still give airport lounge access
Across the cards we track that include lounge visits and charge an annual fee, the middle fee is ₹1,499 a year. These 55 cards charge nothing to join and nothing to keep, and still include lounge visits. Most now ask you to spend a minimum amount in the previous quarter to unlock each visit, so check that condition on the card's page.
Updated 2026-10-27
The cards
| Card | Issuer | Domestic lounges | International lounges | Network |
|---|---|---|---|---|
| AU Bank Traverse (NRI) Credit Card | AU Small Finance Bank | 8 a year | 8 a year | Visa |
| BOB ICAI Exclusive Credit Card | Bank of Baroda | 12 a year | None | RuPay |
| BOB ICSI Diamond Credit Card | Bank of Baroda | 12 a year | None | RuPay |
| BOB Renaissance Credit Card | Bank of Baroda | 12 a year | None | Visa |
| AU Bank AU CA Credit Card | AU Small Finance Bank | 8 a year | None | Visa |
| AU Bank AU KOSMO Credit Card | AU Small Finance Bank | 8 a year | None | Visa |
| BOB The Sentinel Credit Card | Bank of Baroda | 8 a year | None | RuPay |
| Saraswat Secured Credit Card | Saraswat Co-operative Bank | 8 a year | None | RuPay |
| IDFC FIRST Wealth Credit Card | IDFC FIRST Bank | 4 a year | 2 a year | Visa |
| Canara CREST Credit Card | Canara Bank | 2 a year | 2 a year | Mastercard |
| Federal Bank Celesta Credit Card | Federal Bank | 2 a year | 2 a year | Visa |
| IDFC FIRST Select Credit Card | IDFC FIRST Bank | 4 a year | None | Visa |
| PNB RuPay Rakshak Select Credit Card | Punjab National Bank | 2 a year | 2 a year | RuPay |
| Unity BharatPe Credit Card | Unity Small Finance Bank | 2 a year | 2 a year | RuPay |
| Axis Fibe Credit Card | Axis Bank | 4 a year | None | RuPay |
| BOB Rakshamah Credit Card | Bank of Baroda | 4 a year | None | RuPay |
| IDFC FIRST Classic Credit Card | IDFC FIRST Bank | 4 a year | None | Visa|Mastercard|Ru Pay |
| Equitas Elite Artha Credit Card | Equitas Small Finance Bank | 2 a year | 1 a year | Visa |
| YES Bank Klick Credit Card | YES BANK | 3 a year | None | RuPay |
| Kotak Corporate Wealth Signature Credit Card | Kotak Mahindra Bank | 2 a year | None | Visa |
| Kotak Privy League Signature Credit Card (Free Variant) | Kotak Mahindra Bank | 2 a year | None | Visa |
| Kotak Royale Signature Credit Card | Kotak Mahindra Bank | 2 a year | None | Visa |
| RBL Aspire Banking Credit Card | RBL Bank | 2 a year | None | Mastercard |
| RBL Signature Banking Credit Card | RBL Bank | 2 a year | None | Mastercard |
| Union Bank Visa Signature Credit Card | Union Bank of India | 2 a year | None | Visa |
| AU Bank Xcite ACE Credit Card | AU Small Finance Bank | 2 a year | None | Visa |
| AU Bank Xcite Credit Card | AU Small Finance Bank | 2 a year | None | Visa |
| BOB Yoddha Credit Card | Bank of Baroda | 2 a year | None | RuPay |
| CUB Dhi Credit Card | City Union Bank | 2 a year | None | Visa |
| IDBI LIC Eclat Credit Card | IDBI Bank | 2 a year | None | Visa |
| IDFC FIRST Corporate Credit Card | IDFC FIRST Bank | 2 a year | None | Visa |
| IDFC FIRST Employee Credit Card | IDFC FIRST Bank | 2 a year | None | Visa |
| IDFC LIC Select Credit Card | IDFC FIRST Bank | 2 a year | None | Mastercard |
| J&K Bank Govt Employees Platinum Credit Card | Jammu & Kashmir Bank | 2 a year | None | Visa|Mastercard |
| Kotak Corporate Platinum Credit Card (CCCL) | Kotak Mahindra Bank | 2 a year | None | Visa |
| Kotak Corporate Platinum Credit Card (CCIL) | Kotak Mahindra Bank | 2 a year | None | Visa |
| Kotak Privy League Platinum Corporate Credit Card | Kotak Mahindra Bank | 2 a year | None | Visa|Mastercard |
| Kotak Veer Select Credit Card | Kotak Mahindra Bank | 2 a year | None | RuPay |
| PNB Kiwi Select Credit Card | Punjab National Bank | 2 a year | None | RuPay |
| RBL YOUnique Credit Card | RBL Bank | 2 a year | None | Mastercard |
| AU Bank LIT Credit Card | AU Small Finance Bank | 2 a year | None | Visa |
| BOI RuPay Platinum Credit Card | Bank of India | 2 a year | None | RuPay |
| BOI Swadhan Platinum Credit Card | Bank of India | 2 a year | None | RuPay |
| KVB Corporate Credit Card | Karur Vysya Bank | 2 a year | None | Visa |
| PNB Salary RuPay Platinum Credit Card | Punjab National Bank | 2 a year | None | RuPay |
| Union Bank RuPay Platinum Credit Card | Union Bank of India | 2 a year | None | RuPay |
| ICICI Parakram Select Credit Card | ICICI Bank | 1 a year | None | Visa |
| IDBI Royale Credit Card | IDBI Bank | 1 a year | None | Visa |
| AU Bank AU Fi MagniFi Credit Card | AU Small Finance Bank | 1 a year | None | Visa |
| DCB Niyo Global Credit Card | DCB Bank | 1 a year | None | Visa |
| DCB novio Credit Card | DCB Bank | 1 a year | None | Visa |
| Federal Bank OneCard Credit Card | Federal Bank | 1 a year | None | Visa |
| ICICI Parakram Credit Card | ICICI Bank | 1 a year | None | RuPay |
| IndusInd Platinum RuPay Credit Card | IndusInd Bank | 1 a year | None | RuPay |
| IndusInd Samman Credit Card | IndusInd Bank | 1 a year | None | RuPay |
What to check
Lifetime free means no joining or annual fee. It does not mean no charges: late fees, forex markup and interest still apply. A free card you pay interest on is the most expensive card you can hold.