Perk
Domestic lounge
Complimentary domestic airport lounge access — maximum visits a year, with the spend conditions that unlock them.
No card in your wallet has a verified domestic lounge benefit.
When a bank adds one it appears here after the next refresh — nothing is guessed.
Best in market
DreamFolks exited domestic lounge ops in Sept 2025 — access is now direct card-swipe/bank-app based (Adani One, HOI), and most issuers (HDFC, ICICI, Axis, SBI) added quarterly spend gates across 2024–26, so unconditional access is now rare. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
Axis Bank Horizon
8/quarter on Visa variant (6/quarter Mastercard), no spend gate — plus 8 international/yr thrown in
₹3,000 + GST, no waiver
The best lounge-per-rupee card in India right now: launched as the Citi PremierMiles successor, it gives more ungated domestic visits than cards triple its fee, at a ₹6–9L income bar most salaried applicants clear.
No fee waiver, so ₹3,540/yr is a hard cost; insist on the Visa variant (8/quarter vs 6); Axis has been serially devaluing its portfolio in 2025–26 (Atlas quietly discontinued, Aug 2026 benefit cuts), so gates could appear later; guest visits are chargeable.
Federal Bank (Scapia) Scapia
Unlimited domestic visits at 60+ airports once you spend ₹20k in the prior statement cycle
Lifetime free
The only lifetime-free unlimited-domestic-lounge card left standing, with zero forex markup as a bonus — if ₹20k/month naturally flows through it, no paid card beats the math for domestic-only flyers.
Spend gate raised from ₹10k to ₹20k per statement cycle effective Feb 27, 2026, and lounge entry is now an 'Airport Privileges' choice (lounge OR ₹500–1,000 back in Scapia Coins per visit); no international access at all; fintech co-brand, so rules have already changed twice.
HDFC Bank Infinia Metal
Unlimited domestic for primary + add-on, fully exempt from HDFC's 2026 spend-gate purge
₹12,500 + GST, waived on ₹10L annual spend
While HDFC pushed Regalia Gold (₹60k/quarter gate from Jul–Sep 2026), Diners Privilege and Millennia onto spend-gated/voucher models, Infinia kept truly unconditional unlimited access — the safest 'never think about lounges again' card in India.
Largely invite-based; realistically needs ~₹2.4L+/month net salary or ₹36L+ ITR, and HDFC often wants an existing banking relationship — getting it is the whole battle.