16 Best Credit Cards for Airport Lounge Access in India 2025: Domestic & International Lounge Access

▶︎ Rewards on Card Spending (Up to 36% Reward)

Up to 36% Reward on Travel & Gift Vouchers (via ICICI iSHOP platform)

• Hotel bookings: 36% rewards (36 points per ₹100)
• Flight bookings & gift vouchers: 18% rewards (18 points per ₹100)

3% Reward on Other Purchases

• 3 points per ₹100
• Important Exclusions: No rewards on rent, fuel, tax, and government transactions

Monthly Reward Caps

• Flights & Hotels (36% & 18%): 18,000 reward points, reached at ₹54,000-₹1.2 lakh monthly spend
• Grocery purchases: 1,000 reward points
• Utility bill payments: 1,000 reward points 
• Education payments: 1,000 reward points 
• Insurance payments: 5,000 reward points 

Value of Reward Points & Redemption

- Best Value Redemptions (1 point = ₹1)

• Flight and hotel bookings
• Select brand vouchers

- Lower Value Redemptions

• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits (Upto 0.75% Additional Reward) 

• ₹4 lakh spend: EaseMyTrip voucher worth ₹3,000 (0.75% reward) 
• ₹8 lakh spend: Additional EaseMyTrip voucher worth ₹3,000 (0.75% reward)

▶︎ Premium Lifestyle Benefits

Travel & Golf 

• Unlimited airport lounge access (India & abroad), for primary + 3 add-on cardholders
• Unlimited complimentary golf rounds (India & abroad)
• 2% foreign exchange fee (lower than standard rates)
• Unlimited complimentary golf rounds both in India and abroad

Movies & Entertainment 

• Buy One Get One Free at BookMyShow (up to ₹750 on 2nd ticket)
• 2 tickets per month - for movies, sports, theatre, or concerts

Dining & Fuel

• Ongoing EazyDiner Prime membership
• Fuel surcharge waiver up to ₹1,000 per month

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

• 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
• 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

• 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

• 10X categories: Limit reached at ₹50,000 spending
• 5X categories: Limit reached at ₹1.12 lakh spending
• 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

• ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
• ₹0.50 per point: Vouchers and products
• ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

• Unlimited domestic & international lounge access 
• Available for add-on cardholders also

▶︎ Golf & Hotels

• Unlimited golf rounds worldwide, unlimited coaching lessons in India
• ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
• Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

• ₹3 crore accidental air death
• ₹50 lakh overseas medical emergency
• ₹9 lakh lost card 
• ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

• Surcharge waiver up to ₹1,000 per month
• Valid only on fuel transactions between ₹400 and ₹1 lakh

▶︎ Up to 24% Reward on Travel (Airlines & Hotels via Axis Travel EDGE Portal)

Up to ₹2 lakh monthly spend - 24% reward (in airline/ hotel points)

• Earn 30 EDGE points per ₹100
• Redemption value: 24% for airline/hotel transfers | 6% for vouchers/products
• 💡 Approximately 48% effective reward on select travel partners like Accor 

Above ₹2 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products
• 💡 Approximately 28% effective reward on select travel partners like Accor 

▶︎ Up to 14% Reward on Other Purchases

Up to ₹1.5 lakh monthly spend - 4.80% reward (in airline/ hotel points)

• Earn 6 EDGE points per ₹100
• Redemption value: 4.8% for airline/hotel transfers | 1.2% for vouchers/products

Above ₹1.5 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products 

Value of Reward Points (EDGE Points)

• Vouchers/Products: 1 EDGE point = ₹0.20
• Partner Transfers: 1 EDGE point = 0.80 partner airline/hotel points

▶︎ Other Benefits

Unlimited Airport Lounge Access

• International: Unlimited via Priority Pass (primary cardholder + 4 guest visits annually)
• Domestic: Unlimited for primary and add-on cardholders (requires ₹50,000 spend in previous 3 months)

Airport Concierge Services

• Meet & Greet assistance 4 times per year
• End-to-end support: check-in, security, immigration, porter services
• Available for primary cardholder and guests

2% foreign exchange fee on international transactions (reduced rate)

Comprehensive Insurance Coverage

• Card Security: Protection up to credit limit for counterfeit/lost card fraud
• Purchase Protection: Up to ₹2 lakhs coverage for theft/damage of card purchases
• Travel Insurance: Up to US$500 for baggage loss/delay and document issues
• Credit Shield: Up to ₹5 lakhs protection for inability to pay due to covered events

Dining Rewards

• 30% discount at EazyDiner restaurants (up to ₹1000)
• Minimum spend: ₹3,000 | Payment via PayEazy app required
• Valid once per month

Fuel Benefits

• 1% surcharge waiver (up to ₹400 per month)
• Valid on fuel transactions between ₹400-₹4,000

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

• 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
• 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
• 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

• 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
• 3.3% (1X): All other purchases

▶︎ Monthly Limits

• Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
• Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

• ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
• ₹0.50: Vouchers and products
• ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

• 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
• This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

• Unlimited domestic & international airport lounge access (includes add-on cards)
• 2% forex markup on international transactions
• 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

• Up to 25% discount on F&B bills (max 20 guests)
• Up to 20% discount on room rates in India, weekend rates in Asia Pacific
• 20% discount on spa services at select hotels in India
• Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
• Up to 15% off Marriott Bonvoy on Wheels orders
• 1 room upgrade certificate (max 2 nights, India hotels)
• 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

• Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
• Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
• Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
• Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

• ₹2 crore accidental air death cover
• ₹50 lakh overseas medical emergency coverage
• ₹9 lakh lost card liability protection
• ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

• Exclusive Diners Club offers and privileges
• Premium customer service with dedicated support lines

4.50% reward on online spend, 2.25% on offline 

• Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
• Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

• Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
• Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
• Reduced categories (1.25%): Utilities, insurance, education, media & streaming
• No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

• 6 visits per quarter (for both primary and add-on cardholders)
• Requires ₹1 lakh spend in the previous quarter.

4 free golf rounds per year (maximum 1 per month) , and 1 free golf lesson per month

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

• Lost card liability: ₹15 lakh fraud protection
• Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
• Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)

3.75% cashback on travel, online shopping , dining, international transactions 

• 15 reward points worth ₹3.75, per ₹100 spent
• Monthly limit: 5000 reward points worth ₹1250, reached at ₹33,333 monthly spending

0.75% cashback on other card spends

• 3 reward points worth ₹0.75, per ₹100 spent
• Important exclusions: No reward points on fuel, rent, education, government, insurance, charity, and supermarket purchases.

Up to 1% additional cashback, on annual spending milestone (₹5 lakhs)

• 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend (1% reward)

Value of reward points & redemption

• 1 reward point = ₹0.25
• Reward points can be redeemed as cashback

Unlimited domestic lounge access (spending requirement of ₹40,000 in the previous quarter)

Low forex  fee of 2% on international spends, and earn 3.75% cashback on these spends

'Buy One Get One' movie offer: 1 free ticket (up to ₹250), once a month - through Zomato District

6-month FitPass Pro membership (worth ₹15,000)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Personal accidental death cover: Coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel

Up to 20% Rewards on Travel Spending

▶︎ Up to 20% on Travel Spending (5 EDGE Miles per ₹100)

• 5% reward: Flight/hotel bookings via Travel EDGE portal (1 Mile = ₹1)
• 10% reward: Airline/hotel partner points conversion (1 Mile = 2 partner points)
• Up to 20% effective reward: Only on premium partners like Accor 
• Monthly cap: ₹2 lakh travel spending
• Eligible: Direct airline/hotel bookings, Axis Travel EDGE portal

▶︎ Up to 8% on General Spending (2 EDGE Miles per ₹100)

• 2% reward: Travel portal redemptions
• 4% reward: Partner points conversion
• Up to 8% effective reward: Only on premium partner transfers like Accor
• Important Exclusions: Gold/jewelry, rent, wallets, government payments, insurance, fuel, utilities, EMI

▶︎ EDGE Miles Redemption Options

Travel Portal (1 Mile = ₹1)

• Instant redemption for flights and hotels
• Guaranteed value through Axis Travel EDGE portal
• No transfer limits or restrictions

Partner Transfer Program

• Conversion: 1 EDGE Mile = 2 partner points (except Marriott: 1:0.5)
• Annual limit: 1,50,000 EDGE Miles total

Group A Partners (30,000 miles limit): Like Singapore Airlines, Qatar Airways, Marriott, Accor

Group B Partners (1,20,000 miles limit): Like Air India, IHG, Vistara, ITC Hotels

Annual Spend-Based Tiers & Benefits

▶︎ Milestone Rewards (Based on Annual Card Spend)

• Spend ₹3 lakh annually (Silver Tier): 2,500 EDGE Miles bonus
• Spend ₹7.5 lakh annually (Gold Tier): 5,000 EDGE Miles bonus
• Spend ₹15 lakh annually (Platinum Tier): 10,000 EDGE Miles bonus

▶︎ Airport Lounge Access (Based on Annual Card Spend)

International:

• Silver Tier (₹3 lakh annual spend): 4 visits/year
• Gold Tier (₹7.5 lakh annual spend): 6 visits/year
• Platinum Tier (₹15 lakh annual spend): 12 visits/year

Domestic:

• Silver Tier (₹3 lakh annual spend): 8 visits/year
• Gold Tier (₹7.5 lakh annual spend): 12 visits/year
• Platinum Tier (₹15 lakh annual spend): 18 visits/year

Additional Benefits

▶︎ Dining Rewards

• 15% discount on restaurant bills via EazyDiner
• Monthly limit: ₹500 savings per transaction
• Minimum spend: ₹2,500 
• Frequency: Once per month, payment through PayEazy

▶︎ Fuel Surcharge Waiver

• Surcharge waiver: Up to ₹400 per month
• Fuel Transaction range: Between ₹400 - ₹4,000 fuel purchases

Annual Fee

• Free for HSBC Premier Banking customers (meeting Premier Banking criteria)

Up to 36% Accelerated Travel Rewards

• Flight bookings: 18% rewards (18 points per ₹100)
• Hotel bookings: 36% rewards (36 points per ₹100)
• Monthly cap: 18,000 accelerated reward points

Standard Rewards - 3%

• All other purchases: 3% rewards (3 points per ₹100)

Reward Exclusions & Limits

• No points on: Fuel, cash advances, fees/charges, disputed transactions
• Monthly spending cap: ₹1 lakh combined spending limit on utilities, tax, real estate, insurance, financial institutions, e-wallet, education, government, jewelry purchases

Value of Reward Points

• Reward point conversion: 1:1 ratio to a variety of airline & hotel partners (usually the best value)
• Reward points can also be used for buying gift vouchers, Apple products, and more
• Expiry: Reward points never expire

Travel & Golf

• Unlimited airport lounge access (India & abroad)
• 24 complimentary golf rounds annually (maximum 2 per month)
• 12 complimentary golf lessons annually (maximum 2 per month) 
• 0.99% foreign exchange fee on international transactions 
• Up to 20% on hotel bookings with Agoda

Dining

• 30% discount at EazyDiner restaurants (up to ₹1,250)
• Minimum bill: ₹3,000 | Valid once per month

▶︎ Upto 20% Reward on Travel & Zero Forex Fee 

Accelerated travel rewards:

• Hotels: Up to 20% rewards (60X points) via IDFC Accelerator program
• Flights: 13.3% rewards (40X points) via IDFC Accelerator program
• Monthly Limits: Maximum 25,000 bonus reward points per month

Zero forex markup: No fees on international transactions

▶︎ Upto 3.3% Reward on Other Spends

Up to ₹20,000 Monthly Spend: 1.6% rewards (5X program)

• Earn 5 reward points per ₹150 spent (₹2.50 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Above ₹20,000 Monthly Spend: 3.3% rewards (10X program)

• Earn 10 reward points per ₹150 spent (₹5 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Important Exclusions & Special Categories

• Insurance & utilities: 0.33% rewards (1X) - excluded from 10X tier threshold calculation
• Rental, education, wallet loads, government: 1% rewards (3X) - excluded from 10X tier threshold calculation
• No rewards: Fuel, EMI, loan transfers, balance transfers, fees, cash withdrawals

▶︎ Other Benefits 

Airport & Railway Lounge Access (Requires ₹20,000 monthly spend in previous month)

• Domestic lounge access: 4 times per quarter (+ 1 guest visit)
• International lounge access: 4 times per quarter
• Railway lounge access: 4 times per quarter

Golf Benefits

• Spend-based: 1 free round/lesson per ₹20,000 spent (maximum 2 per month)
• Mastercard benefit: 4 free rounds annually + 1 lesson monthly

Entertainment, Fuel & Mobility

• Movies: BOGO offer - 2 free tickets monthly (up to ₹500 off 2nd ticket, valid twice monthly)
• Fuel: Surcharge waiver up to ₹300 monthly (valid on fuel transactions between ₹200-₹5,000)
• Roadside Assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

▶︎ Comprehensive Insurance Coverage

• Card Protection: ₹50,000 for fraud/counterfeit transactions
• Personal Accident: ₹10 lakhs general cover
• Air Accident: ₹1 crore coverage
• Travel Insurance: USD 1,200 total (baggage loss/delay, document loss, flight delays)
• CFAR Insurance: ₹50,000 cancellation cover for flights/hotels (2 claims yearly)

▶︎ Upto 40% Rewards on Card Spending

Up to 40% accelerated travel rewards, through IDFC accelerator program

• 40% rewards on hotels, 20% on flights
• Monthly limit: 2,00,000 reward points

High base rewards: 6.66%

• Rate: 10 reward points per ₹150 (₹10 value)
• Important exclusions: Fuel, government, EMI, cash withdrawals
• Reduced reward categories: Insurance (0.66%), rental/property/education (2%)

Value of reward points: 1 point = ₹1 (for hotel/flight redemptions)

Additional benefits, based on spending milestones

• ₹15 lakh (every 6 months): Taj Experiences Signature Dining Voucher
• ₹40 lakh annually: Club ITC Culinaire Select membership

▶︎ World-Class Travel Benefits

Unlimited airport & railway lounge access, zero forex fee

• International airports: Primary + add-on cardholders
• Domestic airports & spas: Primary + add-on cardholders
• Railway lounges: Unlimited domestic access
• Forex: Zero markup on international transactions

Hotel Partnerships

• ITC Hotels: Free 3rd night on 2-night stays OR 50% off 2nd night
• Postcard Hotels: ₹7,500 off minimum ₹25,000 spend (once monthly)

▶︎ Entertainment & Leisure Benefits

Golf Benefits

• Domestic: Unlimited rounds and lessons in India
• International: 1 complimentary round per quarter at select courses

Exclusive Memberships

• Quorum Club: 20% off joining fees + 20% restaurant discounts (minimum ₹5,000 spend)

Movie Benefits

• Discount: 100% off up to ₹750 per transaction
• Usage: 2 times monthly on movies, food combos, non-movies

▶︎ Comprehensive Insurance Coverage

Comprehensive Protection

• Personal accident: ₹25 lakh general coverage
• Air accident: ₹2.5 crore coverage
• Card liability: ₹5 lakh protection
• Credit shield: ₹5 lakh coverage
• Purchase protection: ₹5 lakh coverage

Travel Insurance (USD 1,200 total)

• Baggage loss: USD 500 | Baggage delay: USD 100
• Document loss: USD 300 | Flight delay: USD 300
• CFAR insurance: ₹50,000 cancellation cover (2 claims annually)

Emergency Support

• Roadside assistance: ₹1,399 value, 4 times annually across India

Lifetime Free Credit Card 

Travel Benefits 

• Domestic lounges: 2 visits per quarter 
• International lounges: 2 visits per year 
• Low forex markup: 1.5% on international transactions

Movies & Golf

• BookMyShow movie tickets: 1 ticket (up to ₹500) every 6 months, maximum 2 tickets per year
• Golf: 1 free round OR 1 free lesson per quarter

Roadside Assistance (Legend Auto Assist): 

24/7 emergency services - 

• On-spot mechanical/electrical repairs
• Emergency fuel supply & flat tire service
• Lost key assistance & battery service
• Emergency towing & accident management

Concierge Services (Legend Concierge): 

24/7 premium assistance - 

• Global trip planning & pre-trip guidance
• Hotel & flight booking assistance
• Sports & entertainment ticket reservations
• Exclusive event bookings
• Worldwide flower & gift delivery

Total Protect Coverage

Unauthorized transaction protection up to credit limit for:

• Lost or stolen card incidents
• Counterfeit fraud (card details theft & misuse)

Air accident cover of up to ₹25 lakhs

1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 

Tiered Rewards Program

Annual Spending Slabs

• Up to ₹1 lakh: 0.4% cashback (1 point per ₹100)
• ₹1-2.5 lakh: 0.8% cashback (2 points per ₹100)
• ₹2.5-5 lakh: 1.6% cashback (4 points per ₹100)
• Above ₹5 lakh: 2.4% cashback (6 points per ₹100)

Point Value & Examples

• 1 reward point = ₹0.40 cashback
• Example 1: ₹6 lakh annual spend = 20,000 points = ₹8,000 cashback (1.33% effective rate)
• Example 2: ₹3 lakh annual spend = 6,000 points = ₹2,400 cashback (0.8% effective rate)

Important Exclusions

• No rewards on: Fuel, utilities, insurance, government services, education, real estate, rent

Lifetime Free Credit Card 

Welcome Benefits

• ₹500 voucher on spending ₹5,000 within 30 days
• 5% cashback (up to ₹1,000) on first EMI within 30 days

Core Rewards Structure 

• Up to ₹20,000 per month spending: 0.50% rewards (3 points per ₹150 spent)
• Above ₹20,000 per month & birthdays: 1.66% rewards (10 points per ₹150 spent)

Enhanced Travel Rewards

• 8.3% extra on hotel bookings (50 bonus points per ₹150 spent)
• 3.3% extra on flight bookings (20 bonus points per ₹150 spent)
• Monthly limit: 8,000 points

Reward Point Value & Redemption

• 1 reward point = ₹0.25 via IDFC PoshVine Reward Portal

Important Exclusions

• No rewards: Fuel, EMI, cash withdrawals
• Reduced rates: 0.16% on insurance & utilities, 0.5% on rent/education/wallets/government

Lounge Access (requires ₹20,000 monthly spend in previous month)

• Domestic airport lounges: 2 visits per quarter 
• International airport lounges: 2 visits per quarter
• Railway lounges: 4 visits per quarter 

Movies & Golf

• Movies: BOGO movie tickets via Zomato District, 2 tickets per month (up to ₹250 off on 2nd ticket)
• Golf benefits: Up to 2 free rounds/lessons per month (1 free for every ₹20,000 spent in previous month)

Fuel & Mobility

• 1% fuel surcharge waiver up to ₹300 per month. Valid on fuel transactions between ₹200 - ₹5,000
• 24/7 roadside assistance (₹1,399 value). 4 incidents per year: tire service, battery jump-start, fuel delivery, key replacement, towing

Insurance Coverage

Travel Protection

• Cancellation insurance (hotel/ flight cancellations): Up to ₹10,000 for 2 claims (CFAR coverage)
• Air accident cover: ₹1 crore
• Travel insurance: USD 1,200 total coverage
  • Baggage loss: USD 500
  • Baggage delay: USD 100
  • Passport/document loss: USD 300
  • Flight delay: USD 300

General Protection

• Personal accident: ₹10 lakh cover
• Card fraud protection: ₹50,000 for lost card liability, skimming, online fraud

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

• Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
• Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
• Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

• International airport lounges – once per year
• Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
• Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

• 5 reward points worth ₹1.25, on every ₹100 spent 
• 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
• Monthly limit: 10,000 reward points 

0.62% reward on offline spends

• 2.50 reward points worth ₹0.62, on every ₹100 spent
• 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

• Fuel, rent, Insurance, 
• Jewelry, wallet loads
• Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

• Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
• Protection against card counterfeit/skimming and online frauds.

Upto 24% Rewards on Travel Spending

• Hotel bookings: 24% rewards (12X points)
• Flight bookings & gift vouchers: 12% rewards (6X points)
• Monthly limit:15,000 reward points combined, reached at spending between ~₹68,000 and ₹1.5 lakh

2% Rewards on Other Domestic Spends, 2.50% on International Spends

Value of reward points

• Best value: 1 point = ₹1 (flights, hotels, select vouchers). Above reward rates assumes this redemption rate
• Cashback: 1 point = ₹0.40
• Rewards catalogue: 1 point = ₹0.60

Annual Milestone Benefits

• Spending range: ₹2 lakh to ₹25 lakh annually
• Total value: Up to ₹70,000 in milestone rewards across various spending tiers

Unlimited Airport Lounge Access

• Lounge access: Unlimited domestic and international (Priority Pass included)
• Coverage: Primary and add-on cardholders

Premium Transfers (After ₹5 lakh annual spend)

• Helicopter service: Limited to Bangalore Airport (twice yearly)
• Luxury sedan transfers: Airport pickup/drop service (twice yearly)

International Travel Benefits

• Forex fee: Reduced 1.49% markup (vs. 3.50% industry standard)
• Rewards: 2.50% on all overseas spending

The Quorum Club Access

• 20% discount at exclusive restaurants
• Access to premium events and experiences
• Complimentary co-working space access
• 15% discount on club memberships

Concierge & Events

• CribLife Concierge: 24/7 international and domestic lifestyle management services
• Times Group Events: Exclusive access to ET Awards and celebrity chef experiences
• Premium experiences: Curated events and dining opportunities

5% reward on travel Spending (through Axis Travel Edge portal & direct airline spends) 

• Rate: 5 EDGE Miles per ₹100
• Redemption values:
  • ₹5 when redeemed for flights/hotels via Axis Travel Edge portal
  • 5 partner points when transferred to airline/hotel loyalty programs

Other Purchases: 2% rewards

• Rate: 2 EDGE Miles per ₹100
• Same redemption options as travel spending

Important Exclusions (No Rewards)

• Fuel, utilities, insurance, education, government transactions
• Wallet loading, rent payments, transportation, tolls

Domestic Airport Lounge Access

• Visa card: 32 visits annually (8 per quarter maximum)
• Mastercard: 24 visits annually (6 per quarter maximum)

International Airport Lounge Access: 8 visits annually (2 per quarter maximum)

EazyDiner Restaurants

• Discount: 15% off (up to ₹500)
• Requirements: Minimum ₹2,500 order
• Offer validity: Once per month

Fuel Surcharge Waiver

• 1% waiver (up to ₹400 per month)
• Valid on fuel transactions between ₹400-₹5,000

Lifetime free credit card: No annual fee is charged on this credit card

Zero forex fees on international transactions

Unlimited domestic lounge access (with monthly spending requirement)

• Visa variant: ₹10,000 spend per month
• RuPay variant: ₹15,000 spend per month

Up to 2% basic rewards

• Visa Variant: 2% rewards on card spends (10 Scapia Coins per ₹100)
• RuPay Variant: 1% rewards on card spends (5 Scapia Coins per ₹100)

4% rewards on travel 

• Earning rate: 20 Scapia Coins per ₹100 on Scapia app bookings
• Coverage: Flights, hotels, buses booked through Scapia app

Value of Reward Points & Redemption

• Value: 1 Scapia Coin = ₹0.20
• Redemption: Travel bookings through Scapia app only (flights, hotels, buses)

Exclusions & Restrictions

1. No Rewards Categories

• Money transfers & rent payments
• Cash withdrawals & EMI transactions
• Forex transactions & education fees
• Gift cards & credit card repayments
• Crypto/digital asset transactions
• Fuel purchases & wallet loading

2. Utility Spending Cap (utilities, telecom, cable): No rewards on spending above ₹20,000 per month