Last updated: |Data verified from official bank sources
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Best Travel & Lounge Cards

Free airport lounges and travel perks

Can't decide?

Compare the top 2 cards in this category

Compare #1 vs #2
HD
Editor's Pick

HDFC Infinia Metal

HDFC Bank

₹13K
per year
Reward: 3.33%
Forex: 2%
Lounge: Unlimited
Premium travelers spending ₹10L+/year
HD

HDFC Diners Club Black

HDFC Bank

₹10K
per year
Reward: 3.33%
Forex: 2%
Lounge: Unlimited
High spenders at large merchants
IC

ICICI Emeralde Private Metal

ICICI Bank

₹12K
per year
Reward: 4%
Forex: 1.5%
Lounge: Unlimited
Ultra HNI customers
SB

SBI Card AURUM

SBI Card

₹10K
per year
Reward: 3%
Forex: 1.99%
Lounge: Unlimited
SBI's top-tier offering
AX

Axis Magnus

Axis Bank

₹13K
per year
Reward: 6%
Forex: 2%
Lounge: Unlimited
Travelers with high spend
AM

Amex Platinum Charge Card

American Express

₹78K
per year
Reward: 2.5%
Forex: 3.5%
Lounge: Unlimited
Ultra luxury travelers with ₹77K to spare
FE

Scapia Federal Credit Card

Federal Bank

FREE
per year
Reward: 10%
0
Lounge: Unlimited
Best zero forex + zero fee travel card
KO

Kotak White Reserve

Kotak Mahindra Bank

₹13K
per year
Reward: 2.5%
Forex: 2%
Lounge: Unlimited
Ultra-premium lifestyle with unlimited lounges
IN

IndusInd Pinnacle

IndusInd Bank

₹0
per year
Reward: 2.5%
Forex: 3.5%
Lounge: Unlimited
Premium lifestyle spenders wanting no annual fee
HS

HSBC Premier Credit Card

HSBC India

₹20K
per year
Reward: 1.33%
Forex: 0.99%
Lounge: Unlimited
HSBC Premier banking customers
IC

ICICI Emeralde

ICICI Bank

₹12K
per year
Reward: 4%
Forex: 1.5%
Lounge: Unlimited
ICICI's wealth management customers
AX

Axis Reserve

Axis Bank

₹50K
per year
Reward: 12.5%
Forex: 1.5%
Lounge: Unlimited
Ultra HNI invite-only customers
CI

Citi Prestige

Citibank

₹20K
per year
Reward: 4%
Forex: 3.5%
Lounge: Unlimited
Ultra premium (existing cardholders)
AU

AU Zenith Plus

AU Small Finance Bank

₹5K
per year
Reward: 1%
Forex: 0.99%
Lounge: 16/year
Ultra-low forex (0.99%) international travelers
HD

HDFC Regalia Gold

HDFC Bank

₹3K
per year
Reward: 2.66%
Forex: 2%
Lounge: 12/year
Mid-tier spenders wanting lounge access
HD

HDFC Regalia

HDFC Bank

₹3K
per year
Reward: 2.66%
Forex: 2%
Lounge: 12/year
Upgrade path to Infinia
HD

HDFC Diners Club Privilege

HDFC Bank

₹1K
per year
Reward: 2.66%
Lounge: 12/year
Step-up to DCB with Diners network
HD

HDFC Millennia

HDFC Bank

₹1K
per year
Reward: 1%
Forex: 3.5%
Lounge: 8/year
Online shoppers on major platforms
AM

Amex Platinum Travel Card

American Express

₹5K
per year
Reward: 2%
Lounge: 8/year
Milestone spenders aiming for Taj voucher
AU

AU Ixigo Credit Card

AU Small Finance Bank

FREE
per year
Reward: 2.5%
0
Lounge: 8/year
Budget travelers (if grandfathered on zero forex)
RB

RBL Bank Icon

RBL Bank

₹5K
per year
Reward: 2%
Forex: 3.5%
Lounge: 8/year
10X rewards on international + weekend dining
HD

HDFC Tata Neu Infinity

HDFC Bank

₹1K
per year
Reward: 1.5%
Lounge: 4/year
Tata ecosystem shoppers
IC

ICICI Sapphiro

ICICI Bank

₹4K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/quarter
Premium lifestyle spenders
AX

Axis Ace

Axis Bank

₹499
per year
Reward: 1.5%
Lounge: 4/year
Android users paying bills via Google Pay
SB

SBI BPCL Octane

SBI Card

₹1K
per year
Reward: 1%
Lounge: 4/year
BPCL loyalists spending ₹10K+/month on fuel
ST

Standard Chartered Ultimate

Standard Chartered

₹5K
per year
Reward: 3.33%
Forex: 2%
Lounge: 4/quarter
High reward rate including utilities/insurance
KO

Kotak Air+

Kotak Mahindra Bank

₹3K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Frequent travelers earning Air Miles
BA

BOB Premier Credit Card

Bank of Baroda

FREE
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Free premium card with travel benefits
PU

PNB Global Platinum

Punjab National Bank

₹2K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
PNB's premium Visa offering
CA

Canara Mastercard World

Canara Bank

₹3K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Canara's premium offering
UN

Union RuPay Select

Union Bank of India

₹2K
per year
Reward: 4%
Lounge: 4/quarter
Premium Union Bank card with lounges
AX

Axis Privilege

Axis Bank

₹2K
per year
Reward: 3%
Forex: 3.5%
Lounge: 4/year
Mid-premium Axis lifestyle card
AM

Amex Platinum Reserve

American Express

₹10K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Amex semi-premium tier
CI

Citi PremierMiles

Citibank

₹3K
per year
Reward: 4%
Forex: 3.5%
Lounge: 4/year via Priority Pass
Miles collectors (existing cardholders)
YE

Kiwi RuPay Credit Card

Yes Bank

FREE
per year
Reward: 1.5%
Lounge: 3/year with Neon
Heavy UPI users (₹1.5L+/month)
IC

ICICI Rubyx

ICICI Bank

₹2K
per year
Reward: 2%
Lounge: 2/quarter
Mid-tier ICICI upgrade
SB

SBI Card ELITE

SBI Card

₹5K
per year
Reward: 2%
Forex: 1.99%
Lounge: 2/quarter
Movie lovers + travelers
AX

Axis Select

Axis Bank

₹3K
per year
Reward: 5%
Forex: 3.5%
Lounge: 2/quarter (spend ₹50K required)
Lifestyle spenders wanting Priority Pass
SB

SBI Card PRIME

SBI Card

₹3K
per year
Reward: 2%
Lounge: 2/quarter
Dining & grocery heavy spenders
KO

Kotak Zen Signature

Kotak Mahindra Bank

₹2K
per year
Reward: 3.33%
Lounge: 2/quarter (₹60K spend required for LTF variant)
Fashion and lifestyle shopping
IN

IndusInd Tiger

IndusInd Bank

FREE
per year
Reward: 6%
Lounge: 2/quarter (8/year)
LTF card with lounge access
IN

IndusInd Crest

IndusInd Bank

₹10K
per year
Reward: 1%
Forex: 3.5%
Lounge: 2/quarter
Invite-only premium IndusInd card
IN

IndusInd Avios Visa Infinite

IndusInd Bank

₹5K
per year
Reward: 1.5%
Forex: 1.5%
Lounge: 2/quarter via Priority Pass
British Airways and OneWorld alliance flyers
RB

RBL Bank Insignia

RBL Bank

₹7K
per year
Reward: 5%
Forex: 1.5%
Lounge: 2/quarter (₹35K spend req)
RBL's top-tier HNI card
RB

RBL World Safari

RBL Bank

₹3K
per year
Reward: 2%
0
Lounge: 2/quarter (₹35K spend prev quarter)
0% forex markup international travelers
PU

PNB RuPay Platinum

Punjab National Bank

₹499
per year
Reward: 2%
Lounge: 2/quarter
PSU bank customers wanting RuPay benefits
PU

PNB RuPay Select

Punjab National Bank

₹750
per year
Reward: 1.33%
Forex: 3.5%
Lounge: 2/quarter
PSU bank customers wanting lounge access + insurance
CA

Canara RuPay Select

Canara Bank

FREE
per year
Reward: 2%
Lounge: 2/quarter
Free premium RuPay with lounges
AX

Axis Platinum

Axis Bank

₹200
per year
Reward: 2%
Lounge: 2/year
Axis platinum tier with lounge
IC

ICICI Coral

ICICI Bank

₹500
per year
Reward: 2%
Lounge: 1/quarter
Entry to ICICI credit cards
AX

Axis MyZone

Axis Bank

₹500
per year
Reward: 2%
Lounge: 1/quarter
Entry card for movies & dining
ID

IDFC FIRST Select

IDFC FIRST Bank

FREE
per year
Reward: 3%
Forex: 1.99%
Lounge: 1/quarter (₹20K spend required from Apr 2026)
Best lifetime free card overall
FE

Jupiter Edge Plus

Federal Bank/CSB Bank

FREE
per year
Reward: 5%
Lounge: 1/quarter
E-commerce shoppers (10% on major platforms)
RB

RBL Platinum Maxima

RBL Bank

₹2K
per year
Reward: 2%
Lounge: 1/quarter (₹35K spend req from Jul 2025)
Mid-tier rewards with lounge
HD

HDFC Marriott Bonvoy

HDFC Bank

₹3K
per year
Reward: 2%
Forex: 3.5%
Marriott loyalists
IC

ICICI MakeMyTrip Credit Card

ICICI Bank

₹999
per year
Reward: 1%
MakeMyTrip regular users
AX

Axis Flipkart Credit Card

Axis Bank

₹500
per year
Reward: 1%
Lounge: 0 (removed June 2025)
Flipkart/Myntra shoppers
SB

IRCTC SBI Card Premier

SBI Card

₹1K
per year
Reward: 0.8%
Frequent train travelers (AC class)
IN

IndusInd Legend

IndusInd Bank

₹0
per year
Reward: 1.5%
Forex: 1.8%
Lounge: Discontinued Mar 2025
Low forex markup (1.8%) international spenders
IN

IndusInd Pioneer Heritage

IndusInd Bank

₹25K
per year
Reward: 1%
Forex: 3.5%
Lounge: Unlimited via LoungeKey
Ultra HNI IndusInd customers
BA

BOB Eterna Credit Card

Bank of Baroda

₹2K
per year
Reward: 3%
Forex: 2%
Lounge: Unlimited (₹40K quarterly spend req)
BOB's premium travel card
BA

IRCTC BOB RuPay Credit Card

Bank of Baroda

₹350
per year
Reward: 2%
Railway travelers
PU

PNB EaseMyTrip Platinum

Punjab National Bank

₹499
per year
Reward: 2%
EaseMyTrip travelers

Frequently Asked Questions

What is the best travel & lounge cards in India 2026?
The best travel & lounge cards in India for 2026 is HDFC Infinia Metal from HDFC Bank, offering premium travelers spending ₹10l+/year.
How many travel & lounge cards are available in India?
We compare 63 travel & lounge cards from top Indian banks including HDFC, Axis, SBI, ICICI, and more.
How do I choose the right travel & lounge cards?
Consider your spending patterns, required features like lounge access, annual fees, and eligibility requirements. Use our Card Finder quiz for personalized recommendations.
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023