HDFC Bank
HDFC Millennia
Annual fee₹1,000
Lounge (dom.)8/yr
Lounge (intl.)—
Category · Travel · India
Travel cards for the lounge and the long-haul.
Lounge access cards and miles-and-points cards. Two families bundled into one category.
21 active cards sit at the intersection of lounge access and miles-and-points earning. The category bundles two families. Lounge cards (RBL Icon, IDFC Wealth, HDFC Diners Black) emphasise complimentary visits at Indian and international airports. Miles cards (Axis Atlas, HDFC Diners Black, ICICI Emeralde) emphasise reward accrual on travel spend and partner conversion to airline miles. Most cards in this list do both, but the weighting matters. We surface the lounge-visit count, the miles-per-rupee on travel spend, and the foreign-currency markup so you can match the card to whichever leg of travel dominates your actual usage.
SBI Card
SBI Flipkart Credit Card
Annual fee₹500
Lounge (dom.)4/yr
Lounge (intl.)—
HDFC Bank
HDFC IRCTC Credit Card
Annual fee₹500
Lounge (dom.)8/yr
Lounge (intl.)—
Axis Bank
Axis Rewards Credit Card
Annual fee₹1,000
Lounge (dom.)8/yr
Lounge (intl.)—
Axis Bank
Axis MyZone RuPay Credit Card
Annual fee₹500
Lounge (dom.)4/yr
Lounge (intl.)—
Axis Bank
Axis Privilege American Express Credit Card
Annual fee₹1,500
Lounge (dom.)8/yr
Lounge (intl.)—
Axis Bank
Axis Privilege Visa Credit Card
Annual fee₹1,500
Lounge (dom.)8/yr
Lounge (intl.)—
Bank of Baroda
BOB Eterna Credit Card
Annual fee₹2,499
Lounge (dom.)Unlimited
Lounge (intl.)—
IndusInd Bank
IndusInd Tiger Credit Card
Annual feeFree
Lounge (dom.)8/yr
Lounge (intl.)2/yr
Federal Bank
Federal Bank Scapia Credit Card
Annual feeFree
Lounge (dom.)—
Lounge (intl.)—
HDFC Bank
Tata Neu Infinity HDFC Credit Card
Annual fee₹1,499
Lounge (dom.)8/yr
Lounge (intl.)4/yr
Axis Bank
Axis Horizon Credit Card
Annual fee₹3,000
Lounge (dom.)32/yr
Lounge (intl.)8/yr
Axis Bank
Axis LIC Signature Credit Card
Annual feeFree
Lounge (dom.)8/yr
Lounge (intl.)—
SBI Card
SBI Card PRIME
Annual fee₹2,999
Lounge (dom.)8/yr
Lounge (intl.)4/yr
Axis Bank
Axis Samsung Signature Credit Card
Annual fee₹500
Lounge (dom.)4/yr
Lounge (intl.)—
American Express
American Express Platinum Reserve Credit Card
Annual fee₹10,000
Lounge (dom.)12/yr
Lounge (intl.)2/yr
Axis Bank
Axis Bank Magnus Credit Card
Annual fee₹12,500
Lounge (dom.)Unlimited
Lounge (intl.)Unlimited
AU Small Finance Bank
AU Bank Zenith Credit Card
Annual fee₹7,999
Lounge (dom.)2/yr
Lounge (intl.)2/yr
AU Small Finance Bank
AU Bank Zenith+ Credit Card
Annual fee₹4,999
Lounge (dom.)8/yr
Lounge (intl.)8/yr
IndusInd Bank
IndusInd Legend Credit Card
Annual feeFree
Lounge (dom.)—
Lounge (intl.)—
SBI Card
SBI Card Miles
Annual fee₹1,499
Lounge (dom.)4/yr
Lounge (intl.)—
IDFC First Bank
IDFC FIRST Mayura Credit Card
Annual fee₹5,999
Lounge (dom.)16/yr
Lounge (intl.)16/yr
IDFC First Bank
IndiGo IDFC FIRST Dual Credit Card
Annual fee₹4,999
Lounge (dom.)—
Lounge (intl.)—
Bank of Baroda
BOBCARD Etihad Guest
Annual fee₹2,500
Lounge (dom.)8/yr
Lounge (intl.)4/yr
Bank of Baroda
BOBCARD Etihad Guest Premium
Annual fee₹5,000
Lounge (dom.)12/yr
Lounge (intl.)8/yr
How to choose
Match the card to the cabin, not the brochure.
Two questions narrow the field. First, how many lounge visits a year do you actually take? Cards advertising “unlimited lounge access” usually attach a per-quarter spend gate (the ₹75,000 quarterly trigger on most super-premium cards). If you cannot sustain that gate, the lounge benefit is theoretical. Second, will you convert points to airline miles, or redeem them as statement credit? The conversion-ratio gap between programs is wide enough to change the realised return by a factor of two.
FAQ
Common questions
01Are domestic lounges and international lounges counted separately?
Yes. Most cards split the lounge benefit by network: domestic lounge access uses VISA/MC/RuPay lounge programs (typically 6 to 12 visits per year), international uses Priority Pass or DragonPass (typically 4 to 12 visits per year). The two limits do not pool. A card with 8 domestic and 4 international visits does not let you spend all 12 at one airport type.
02What is the difference between miles earning and points-to-miles conversion?
Direct miles earning credits airline miles into your frequent-flyer account at booking time (typical rate: 4 to 8 miles per ₹100 on travel spend). Conversion takes accumulated reward points and exchanges them for miles at a fixed ratio (typical: 1 point = 1 mile, or 2 points = 1 mile, depending on the program). Conversion offers flexibility across airlines; direct earning locks you to one programme.
03Do travel cards waive the foreign currency markup?
A few do. The Axis Atlas, HDFC Diners Black Metal, and IDFC FIRST Wealth charge zero to 2 percent on foreign currency transactions, compared to the 3.5 percent standard markup on most cards. On ₹1 lakh of foreign spending per year, the markup difference is ₹1,500 to ₹3,500, which often offsets a significant portion of the annual fee.
04Which travel cards are worth holding if I take fewer than 4 international trips a year?
Cards in the ₹5,000 to ₹10,000 annual-fee bracket make economic sense at 4 to 8 international trips per year. Below that, the lounge benefit alone rarely justifies the fee. Consider Federal Bank Scapia (lifetime free, unlimited domestic lounges via Priority Pass) for occasional travellers, then upgrade only when the trip frequency justifies the recurring fee.