M16S / Credit cards with lounge access and an annual fee of Rs 1,000 or less
163 cards
Credit cards with lounge access and an annual fee of Rs 1,000 or less
163 credit cards in India with airport lounge access and an annual fee of Rs 1,000 or less, from 31 banks. 139 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
Included when the documents list airport lounge access and the annual fee is Rs 1,000 or less before GST, including lifetime free cards.
Part of: Credit cards with airport lounge access
| Card | Annual fee | Base return | Forex | Lounge in India |
|---|---|---|---|---|
AU CA Metal Credit CardAU Small Finance Bank | Free | 0.5% | 1.99% | 2 per calendar quarter |
AU CS Credit CardAU Small Finance Bank | Free | 0.5% | 1.99% | 2 per calendar quarter |
 AU Corporate Credit CardAU Small Finance Bank | Free | — | — | 8 per year (max 2 per quarter) |
AU NOMO Credit CardAU Small Finance Bank | Free | 0.5% | 0.99% | 2 airport lounge visits per… |
AU Purchase Credit CardAU Small Finance Bank | Free | — | — | 8 per year (max 2 per quarter) |
 Bank of Baroda Assam Rifles The Sentinel BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
 Bank of Baroda BOBCARD Scapia Credit CardBank of Baroda | Free | — | 0% | Unlimited domestic lounge… |
 Bank of Baroda CMA One BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) at… |
 Bank of Baroda ICAI Exclusive BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) |
 Bank of Baroda ICSI Diamond BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) at… |
 Bank of Baroda Indian Army Yoddha BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
 Bank of Baroda Indian Coast Guard Rakshamah BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 domestic lounge visits per… |
Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)Bank of Baroda fees only | Free | — | 3.5% | 'Complimentary lounge access'… |
Canara MasterCard World Credit CardCanara Bank | Free | 0.5% | 3% | 3 self + 2 guest per quarter |
Canara Mastercard Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 self + 1 guest per quarter |
Canara RuPay Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Platinum Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Select Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
Canara RuPay Select Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
Canara Visa Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (self only) |
Canara Visa Signature Credit CardCanara Bank | Free | 0.5% | 3% | 3 per quarter (self only) |
City Union CUB CSK RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
City Union CUB Dhi Credit Card (Unsecured)City Union Bank | Free | 1.25% | 2.5% | Only while a promotional offer… |
City Union CUB SRH RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
DCB novio Credit Card (RuPay Select)DCB Bank fees only | Free | — | 2.5% | 1 per quarter (4 a year), RuPay… |
Federal Celesta Credit CardFederal Bank | Free | 0.25% | 2% | 2 per quarter (spend-gated) |
Federal Imperio Credit CardFederal Bank | Free | 0.17% | 3.5% | 2 per quarter (spend-gated) |
Federal Signet Credit CardFederal Bank | Free | 0.13% | 3.5% | 1 per quarter (spend-gated) |
Fibe Axis Bank Credit CardAxis Bank | Free | 1% | 3.5% | 4 per calendar year at select… |
 ICICI Parakram Credit CardICICI Bank | Free | 0.25% | 3.5% | 1 per quarter |
 ICICI Parakram Select Credit CardICICI Bank | Free | 0.5% | 3.5% | 2 per quarter |
 IDBI LIC Eclat Select Credit CardIDBI Bank | Free | 1% | 3.5% | 2 complimentary (period not… |
 IDBI Royale Signature Credit CardIDBI Bank | Free | 0.75% | 3.5% | 1 per quarter |
 IDFC Business Multiplier Credit CardIDFC First Bank | Free | 1.25% | 0% | Complimentary (count not stated) |
IDFC FIRST Select Credit CardIDFC First Bank | Free | 0.38% | 0% | 1 per quarter |
 IDFC FIRST Wealth Credit CardIDFC First Bank | Free | 0.38% | 0% | 1 per quarter |
IDFC LIC Classic Credit CardIDFC First Bank | Free | 0.6% | 0% | 1 per quarter (aggregator page… |
IDFC LIC Select Credit CardIDFC First Bank | Free | 1% | 0% | 2 per quarter |
Indian Overseas IOB novio Platinum Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 1 per quarter (4 per year) |
Indian Overseas IOB novio Select Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 2 per quarter |
 IndusInd Nexxt Credit CardIndusInd Bank | Free | 0.5% | 3.5% | — |
IndusInd Pinnacle World Credit CardIndusInd Bank | Free | 0.75% | 3.5% | 1 per calendar quarter; from… |
IndusInd Tiger Credit CardIndusInd Bank | Free | 0.4% | 1.5% | 2 per calendar quarter (8 a year) |
J&K Bank Platinum Privilege Credit CardJammu and Kashmir Bank | Free | — | 1.99% | 1 per quarter |
| Free | — | 3.5% | Signature: 8 per calendar year… | |
Paytm AU Credit CardAU Small Finance Bank | Free | 1% | 3.49% | 12 complimentary domestic… |
Punjab National Salary RuPay Platinum Credit CardPunjab National Bank | Free | 0.25% | 3.5% | 4 per year (1 per quarter) |
Punjab National Salary RuPay Select Credit CardPunjab National Bank | Free | 0.33% | 3.5% | 8 per year (2 per quarter) |
Scapia Axis Bank Credit CardAxis Bank | Free | 2% | 0% | Unlimited at 100+ airports in… |
Scapia Federal Credit CardFederal Bank | Free | 2% | 0% | Unlimited (spend-gated) |
 Suryoday SFB RuPay Platinum Credit CardSuryoday Small Finance Bank | Free | 0.5% | 2.5% | Flight discounts and lounge… |
Unity Bank BharatPe Credit CardUnity Small Finance Bank | Free | 2% | 3.5% | 2 per calendar quarter |
| Free | — | 3.5% | Complimentary domestic airport… | |
| Free | 1.5% | 3.5% | With Neon only: aggregator says… | |
| Free | 0.75% | 3.5% | 2 per quarter (spend-gated) | |
 ixigo AU Credit CardAU Small Finance Bank | Free | 2.5% | 0% | 8 airport lounge visits per… |
 Suryoday SFB RuPay Select Credit CardSuryoday Small Finance Bank | Rs 150 | 0.5% | 2.5% | Complimentary lounge access… |
 Suryoday SFB Stable Money RuPay Select Credit CardSuryoday Small Finance Bank | Rs 150 | 0.5% | 2.5% | 8 domestic lounge visits per… |
 IndusInd Samman RuPay Credit CardIndusInd Bank | Rs 199 | 1% | 3.5% | Aggregator mentions RuPay… |
Indian IB RuPay Platinum Credit CardIndian Bank | Rs 250 | — | 3% | Yes, count not stated by the bank |
Indian IB RuPay Select Credit CardIndian Bank | Rs 250 | — | 3% | Yes, count not stated by the bank |
Indian Overseas IOB RuPay Platinum Credit CardIndian Overseas Bank | Rs 250 | 0.25% | 2.5% | 1 per quarter |
AU SPONT Credit CardAU Small Finance Bank | Rs 299 | 1% | 3.49% | 2 airport lounge visits per… |
DCB PayLess Platinum Credit CardDCB Bank | Rs 350 | 0.5% | 3.5% | 1 per quarter (4 a year), RuPay… |
Standard Chartered EaseMyTrip Credit CardStandard Chartered | Rs 350 | 0.5% | 3.5% | 2 complimentary visits per… |
Union Bank of India RuPay Platinum Credit CardUnion Bank of India | Rs 350 | 0.5% | 3% | Product page says… |
| Rs 400 | 0.1% | 3.5% | 1 per half year | |
Axis ACE Credit CardAxis Bank | Rs 499 | 1.5% | 3.5% | 4 per calendar year at select… |
Bandhan Sparks Credit CardBandhan Bank | Rs 499 | 0.25% | 3.5% | 1 per calendar quarter at… |
Bank of Baroda HPCL Energie BOBCARDBank of Baroda | Rs 499 | 0.33% | 3.5% | 4 per year (1 per quarter) at… |
DBS Spark5 Credit CardDBS Bank India | Rs 499 | 0.25% | 3.5% | 1 per calendar quarter, primary… |
HDFC Tata Neu Plus Credit CardHDFC Bank | Rs 499 | 1% | 3.5% | Up to 4 per calendar year: 1… |
| Rs 499 | 1% | 0% | Up to 2 per quarter | |
ICICI Expressions Credit CardICICI Bank | Rs 499 | 0.75% | 3.5% | 1 per quarter |
 IDFC FIRST Power+ (HPCL) Credit CardIDFC First Bank | Rs 499 | 0.5% | 0% | 1 per quarter |
Tata Neu Plus SBI Credit CardState Bank of India (SBI Card) | Rs 499 | 1% | 3.5% | 4 per year, 1 per quarter |
Union JCB Health Credit CardUnion Bank of India | Rs 499 | 0.5% | 3% | 8 per year (2 per quarter) |
| Rs 499 | — | 3% | 1 per quarter (spend-gated) | |
Axis My Zone Credit CardAxis Bank | Rs 500 | 0.4% | 3.5% | 1 per calendar quarter at… |
Axis Pride Signature Credit CardAxis Bank | Rs 500 | 0.8% | 3.5% | 2 per calendar quarter at… |
Bank of India RuPay Star Lakshmi Credit CardBank of India | Rs 500 | 0.5% | — | 2 per quarter |
| Rs 500 | 1% | 1% | 12 per year (1 per billing… | |
| Rs 500 | 1% | — | 2 per quarter | |
 ICICI Coral Credit CardICICI Bank | Rs 500 | 0.5% | 3.5% | 1 per quarter; railway lounges… |
| Rs 500 | 0.5% | 3.5% | 1 per quarter (NRI secured… | |
 ICICI HPCL Super Saver Credit CardICICI Bank | Rs 500 | 0.5% | 3.5% | 1 per quarter |
 ICICI NRI Coral Credit CardICICI Bank | Rs 500 | — | 3.5% | 1 per quarter |
Indian Overseas IOB RuPay Select Credit CardIndian Overseas Bank | Rs 500 | 0.25% | 2.5% | 2 per quarter |
J&K Bank Platinum Credit Card (incl. Pink Platinum)Jammu and Kashmir Bank | Rs 500 | — | 3.5% | 2 per year (1 per half-year) |
Punjab National Patanjali RuPay Platinum Credit CardPunjab National Bank | Rs 500 | 0.25% | 3.5% | 2 per quarter |
Punjab National RuPay Platinum Credit CardPunjab National Bank | Rs 500 | 0.25% | 3.5% | 2 per quarter |
| Rs 500 | 1% | 3.5% | 4 per calendar year at select… | |
Punjab National Bliss RuPay Platinum Credit CardPunjab National Bank | Rs 510 | 0.25% | 3.5% | 4 per year (1 per quarter) |
Union Bank of India RuPay Select Credit CardUnion Bank of India | Rs 550 | 1% | 3% | 8 per year (2 per quarter) |
YES BYOC (Build Your Own Card)Yes Bank | Rs 588 | 1% | 3.5% | 1 per quarter (spend-gated) |
YES Select Credit CardYes Bank | Rs 599 | 0.5% | 3.5% | 1 per quarter (spend-gated) |
 AU Xcite Ace Credit CardAU Small Finance Bank | Rs 749 | — | 3.49% | 2 airport lounge visits per… |
 AU Xcite Ultra Credit CardAU Small Finance Bank | Rs 749 | 1% | 3.49% | 2 airport lounge visits per… |
| Rs 750 | — | 3.5% | 2 per quarter (8 a year) | |
 IDFC FIRST WOW! Black Credit CardIDFC First Bank | Rs 750 | 1.33% | 0% | 1 per quarter (4 per year) |
Punjab National Patanjali RuPay Select Credit CardPunjab National Bank | Rs 750 | 0.33% | 3.5% | 2 per quarter |
Punjab National Rakshak RuPay Select Credit CardPunjab National Bank fees only | Rs 750 | — | 3.5% | Complimentary domestic lounge… |
Punjab National RuPay Select Credit CardPunjab National Bank | Rs 750 | 0.33% | 3.5% | 2 per quarter |
| Rs 750 | 0.75% | 3.5% | 4 per year at select domestic… | |
Standard Chartered Super Value Titanium Credit CardStandard Chartered | Rs 750 | — | 3.5% | — |
IndiGo Axis Bank Credit CardAxis Bank | Rs 799 | — | 3.5% | 1 per quarter |
YES Essence Credit CardYes Bank | Rs 799 | 0.5% | 3% | 1 per quarter (spend-gated) |
Bank of India RuPay Select Credit CardBank of India | Rs 800 | 0.5% | — | 8 per year (2 per quarter) |
| Rs 800 | 0.1% | 3.5% | 1 per quarter | |
| Rs 899 | 0.5% | 3.5% | 2 per quarter (8 per year) | |
AU ABC Pro Credit CardAU Small Finance Bank | Rs 999 | — | 1.99% | 2 domestic lounge visits per… |
Bandhan Ignite Credit CardBandhan Bank | Rs 999 | 0.5% | 3.5% | 1 per calendar quarter |
DBS Spark10 Credit CardDBS Bank India | Rs 999 | 0.25% | 3.5% | 1 per calendar quarter, primary… |
| Rs 999 | 1.5% | 1.99% | 2 per year | |
 ICICI Platinum Business Credit CardICICI Bank | Rs 999 | — | — | 2 per quarter |
Karur Vysya KVB Honour Credit CardKarur Vysya Bank | Rs 999 | — | 3.5% | 4 complimentary visits within… |
 Kotak Air Credit CardKotak Mahindra Bank | Rs 999 | 1% | 3.5% | 4 per year, max 2 per calendar… |
 MakeMyTrip ICICI Bank Credit CardICICI Bank | Rs 999 | 1% | 0.99% | 2 per quarter |
PhonePe HDFC Bank Ultimo Credit CardHDFC Bank | Rs 999 | 1% | 3.5% | 8 per year (2 per quarter) |
Punjab National RuPay Millennial Credit CardPunjab National Bank | Rs 999 | 0.33% | 3.5% | 2 per quarter |
Union JCB Wellness Credit CardUnion Bank of India | Rs 999 | 0.5% | 3% | 8 per year (2 per quarter) |
YES Elite+ Credit CardYes Bank | Rs 999 | 0.75% | 3% | 2 per quarter (spend-gated) |
YES First Business Credit CardYes Bank | Rs 999 | 1% | 2% | 2 per quarter (spend-gated) |
 AU Laksya Credit CardAU Small Finance Bank | Rs 1,000 | 0.5% | 3.49% | 8 per calendar year (max 2 per… |
Axis Rewards Credit CardAxis Bank | Rs 1,000 | 0.32% | 3.5% | 2 per quarter at select… |
 Bank of Baroda BOBCARD CorporateBank of Baroda | Rs 1,000 | 0.25% | 3.5% | 8 domestic lounge visits per year |
 Bank of Baroda BOBCARD PremierBank of Baroda | Rs 1,000 | 0.5% | 3.5% | 1 complimentary domestic… |
City Union CUB CSK Master Platinum Credit CardCity Union Bank | Rs 1,000 | 0.6% | 3.5% | Airport lounge access is… |
City Union CUB SRH Master Platinum Credit CardCity Union Bank | Rs 1,000 | 0.6% | 3.5% | Airport lounge access is… |
DCB PayLess Select Credit CardDCB Bank | Rs 1,000 | 1% | 3.5% | 2 per quarter (8 a year), RuPay… |
Equitas Selfe Credit CardEquitas Small Finance Bank | Rs 1,000 | 0.7% | 3.5% | 1 per calendar quarter |
| Rs 1,000 | 1% | 3.5% | 2 lounge vouchers per calendar… | |
 HDFC Millennia Credit CardHDFC Bank | Rs 1,000 | 1% | 3.5% | 1 visit per calendar quarter,… |
| Rs 1,000 | 1% | — | 2 per quarter at select lounges | |
| Rs 1,000 | 0.67% | 3.5% | 2 per quarter at select… | |
Karur Vysya KVB Corporate Credit CardKarur Vysya Bank | Rs 1,000 | — | 3.5% | 2 complimentary visits within… |
RBL Apex Credit CardRBL Bank | Rs 1,000 | 1% | 3.5% | 1 per calendar quarter |
| Rs 1,000 | 0.25% | 0% | 1 per calendar quarter | |
Standard Chartered Rewards Credit CardStandard Chartered | Rs 1,000 | 0.67% | 3.5% | 1 per calendar quarter, for… |
Club Vistara SBI CardState Bank of India (SBI Card) closed to new applicants | Free | — | 3.5% | 4 per year, max 1 per quarter… |
 Club Vistara SBI Card PRIMEState Bank of India (SBI Card) closed to new applicants | Free | — | 3.5% | 8 per year, max 2 per quarter |
IndusInd Iconia Amex Credit CardIndusInd Bank closed to new applicants | Free | 0.75% | 3.5% | Complimentary visits to… |
IndusInd Iconia Visa Credit CardIndusInd Bank closed to new applicants | Free | 0.38% | 3.5% | — |
 IndusInd Pioneer Legacy Credit CardIndusInd Bank invite-only | Free | 1% | 1.8% | 1 per calendar quarter; from… |
 MakeMyTrip ICICI Bank Platinum Credit CardICICI Bank closed to new applicants | Free | 0.5% | 3.5% | 1 per quarter; railway lounge 1… |
MakeMyTrip ICICI Bank Signature Credit CardICICI Bank closed to new applicants | Free | 0.63% | 3.5% | 2 per quarter; railway lounge 1… |
Standard Chartered Priority Visa Infinite Credit CardStandard Chartered invite-only | Free | — | 3.5% | 4 complimentary visits per… |
Kotak Biz Credit CardKotak Mahindra Bank invite-only | Rs 499 | 0.25% | 3.5% | Complimentary domestic lounge… |
Union Divaa RuPay Credit CardUnion Bank of India closed to new applicants | Rs 499 | 0.5% | 3% | 8 per year |
Yes ANQ Phi (with ANQ Pi RuPay virtual card)Yes Bank closed to new applicants | Rs 499 | — | 3.5% | — |
Chennai Super Kings ICICI Bank Credit CardICICI Bank closed to new applicants | Rs 500 | 0.5% | 3.5% | 1 per quarter |
Myntra Kotak Credit CardKotak Mahindra Bank closed to new applicants | Rs 500 | 1.25% | 3.5% | 1 per quarter |
Paytm HDFC Bank Select Business Credit CardHDFC Bank closed to new applicants | Rs 500 | 1% | 3.5% | 12 per calendar year (capped at… |
 Edge Federal Bank Visa Credit Card (Jupiter)Federal Bank closed to new applicants | Rs 999 | 0.4% | 2% | 1 per 3 months (spend-gated,… |
Kotak Royale Signature Credit CardKotak Mahindra Bank closed to new applicants | Rs 999 | — | 3.5% | 2 per quarter (issuer listing) |
YES First Preferred Credit CardYes Bank closed to new applicants | Rs 999 | 1% | 2% | Spend-gated; visit count not found |
Best Price Save Max HDFC Bank Credit CardHDFC Bank closed to new applicants | Rs 1,000 | 0.4% | 3.5% | Up to 8 complimentary lounge… |
 Emirates Skywards ICICI Bank Rubyx Credit CardICICI Bank closed to new applicants | Rs 1,000 | — | 3.5% | 1 per quarter |
 HDFC Diners ClubMiles Credit CardHDFC Bank closed to new applicants | Rs 1,000 | 1% | 3.5% | 6 complimentary lounge visits a… |
HDFC Superia Credit CardHDFC Bank closed to new applicants | Rs 1,000 | — | 3.5% | — |
Kotak Mojo Platinum Credit CardKotak Mahindra Bank closed to new applicants | Rs 1,000 | 0.25% | 3.5% | 2 per quarter (aggregator) |
Paytm HDFC Bank Select Credit CardHDFC Bank closed to new applicants | Rs 1,000 | 1% | 3.5% | 8 per year (2 per quarter) |
Pine Labs HDFC Bank Pro Credit CardHDFC Bank closed to new applicants | Rs 1,000 | 1.33% | 3.5% | 8 per calendar year (max 2 per… |
Guides: Airport lounge access on credit cards: spend conditions, guests and add-ons