Banking & Deposits4 min read
Complimentary airport-lounge access is one of the most-used credit-card perks in India — but the conditions vary a lot from card to card.
How it works
Travel and premium cards include a set number of domestic (and sometimes international) lounge visits per quarter or year. Many now require a minimum spend in the previous quarter to unlock the next quarter's visits.
- Count: often 2–8 domestic visits per quarter
- Trigger: some cards need a prior-quarter spend to activate visits
- International: usually via a Priority Pass membership the card includes
Is it worth the annual fee?
A single lounge visit is worth roughly ₹1,000–₹1,500. If a card's fee buys more lounge value than it costs — and you actually fly — it pays for itself. If you rarely fly, it won't.
Lounge rules change frequently; confirm the current visit count and any spend trigger on the issuer's page before you rely on it.
Where to go next
Ready to run your own numbers?
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