Perk
Domestic lounge
Free lounge access at Indian airports. We show the most visits you can get in a year, and whatever spend you need to unlock them.
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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 to 9L income bar most salaried applicants clear.
There is no fee waiver, so ₹3,540 a year is a hard cost. Insist on the Visa variant, which gives 8 visits a quarter against Mastercard's 6. Guest visits are chargeable. Axis changes portfolio terms often, so spend gates could appear later.
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.
The spend gate is ₹20,000 per statement cycle, and lounge entry is an 'Airport Privileges' choice of either lounge access or ₹500 to ₹1,000 back in Scapia Coins per visit. There is no international access at all. Being a fintech co-brand, its rules change more often than a bank's.
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.