Lifetime Free Credit Cards With Lounge Access

For people who travel often, one of the most sought luxuries at the airport is lounge access. These lounges provide comfortable seating and spare you from waiting in crowded spaces. Travelers often pay to access these lounges when the waiting time is high or they are tired. But entry to these lounges can be slightly expensive. This is the reason why several credit cards in India offer complimentary access to lounges as an additional benefit. 

Most of the premium cards which offer complimentary access to airport lounges come with a high annual fee, but there are certain lifetime free credit cards that offer these exclusive lounge benefits without a premium fee. That’s like getting double the benefits at almost no charge. Discover below the list of top lifetime free cards which offer complimentary lounge access.

HSBC Visa Platinum Credit Card

The HSBC Visa Platinum credit card comes with zero joining fee and renewal fee. It is a highly rewarding lifestyle credit card and offers special introductory offers. It is one of the best lifetime free credit cards with lounge access. The introductory bonus offers benefits such as gift vouchers, cashback, and accelerated reward points. Read below to read about the most sought-out benefits that this card offers.

On spending a minimum of Rs. 1000 in a single transaction, customers get access to multiple welcome privileges such as : 

a) An Amazon voucher worth Rs. 500 

b) Complimentary access to international and domestic airport lounges (a total of 3 visits) or 3 meal vouchers.

c) 50% discount on the first transaction on Google Pay (up to Rs. 100)

d) Enjoy 10% cashback of up to Rs. 2,000 on minimum spending of Rs. 10,000 by making at least 5 transactions in 60 days

e) You get to save up to Rs. 3,000 annually on fuel surcharge waiver.

f) Get 5x reward points on purchases made after crossing the spend amount of Rs. 4,00,000 (maximum 1,500 reward points in a year)

IDFC First Select Credit Card

IDFC First Select Credit Card is a premium lifetime free credit card that offers exclusive benefits on traveling and dining. It offers a host of features, benefits, and offers that make it one of the top lifetime free cards. This card comes with never-expiring reward points which can be redeemed instantaneously while making purchases in-store or online. Moreover, there are no fees for redeeming the reward points. IDFC Select Card is a must-have card with benefits so that people enjoy amazing travel perks, a premium reward program, and superior round-the-year offers.

a) Enjoy a welcome voucher worth Rs. 500 on the expenditure of Rs. 15,000 or more in the first 90 days.

b) Get 5% cashback up to Rs. 1,000 on the total transaction value of the first EMI done within 90 days of card issue.

c) Cardholders get 4 free visits per quarter to the domestic airport lounge

d) Get 10X reward points on spending a minimum of Rs. 20,000 monthly

e) Get 6X reward points for online purchases and 3X reward points for offline purchases.

f) Cardholders enjoy lower interest rates, usually ranging between 9% and 42%.

PNB RuPay Platinum Credit Card

PNB RuPay Platinum Credit Card offers exclusive cashback to cardholders on utility bills, restaurants, and eateries. It is a reward-based credit card and cardholders get 300+ reward points on their first usage. Some additional benefits are : 

a) No annual fee and joining fee if the card is used once in a quarter

b) Complimentary access to Domestic and International Lounges

c) Get comprehensive insurance coverage

d) Get exclusive cashback on utility bills and dining out.

HDFC Millennia Credit Card

HDFC Millennia credit card is an entry-level credit card that is well suited for people who shop often online on sites such as Amazon, Flipkart, Myntra, Swiggy, Zomato, etc. It offers special rewards and cashback on purchases. The cashback, which is processed as CashPoints, can be redeemed against the card’s balance. Although this card is not a lifetime free credit card, it can be converted to one by activating SmartPay/One Assist/General Insurance/Bank Transfer on it. 

The benefits include : 

a) Welcome the benefit of 1000 reward points

b) 8 complimentary domestic airport lounge access (a maximum of 2 every quarter)

c) Up to 20% discount at partner restaurants through complimentary Dineout Passport Membership

d) Cashback of 5% on partner online merchants such as Amazon, BookMyShow, Flipkart, Uber, and Zomato

e) 1% cashback on all other offline and online spends

Also Read - Top Reasons Why Should You Get HDFC Millenia Credit Card

The Bottom Line

The above 4 credit cards are amongst the best lifetime free credit cards with lounge access. While complimentary lounge access alone shouldn’t be the criteria for choosing a credit card, if you are someone who travels often, you can prioritize this benefit and evaluate it against other cards. This way you will have a more clear idea about the card which would work best for you.

Additional Reading - How Much Should You Pay On Your Credit Card?