Best Lifetime Free Credit Cards With Lounge Access In India

A Lifetime Free Credit Card with lounge access is nothing short of a blessing for many. In India, people love to travel and LTF credit cards with travel benefits are just the thing that they need. One of the most important and fruitful benefits that a credit card can offer you is airport lounge access. Generally, many credit cards come with domestic and international airport lounge access, but they do ask for an annual fee, which many users may not prefer paying. So, do you too need a no annual fee credit card with lounge access? Congratulations on being at the perfect place where we have a list of the top LTF credit cards with lounge access in India, 2023. 

Credit cards have become an essential part of our financial lives, with many banks offering various benefits and rewards for their users. One of the most sought-after perks is access to airport lounges, which can provide travelers with a comfortable and relaxing experience before their flights. However, not all credit cards come with lounge access, and some may charge a hefty annual fee for the privilege. That's where Lifetime Free (LTF) credit cards with free lounge access come in. These cards provide users with the benefits of a premium credit card without the burden of an annual fee.

The LTF credit cards with lounge access that we have mentioned in this article include several benefits such as:

• Free international airport lounge access

• Free domestic airport lounge access

• Cashback, reward points, and discounts on shopping

• Discounts for dining at select restaurants

• Higher credit limit

• Lower interest rates

• Free vouchers, movie tickets, and more gifts

• Discount offers from various merchants and stores across India

• Accident covers, insurance, and more such benefits.

Whether you're a frequent traveler or someone who enjoys the occasional trip, having a lifetime free credit card with airport lounge access can enhance your travel experience. With our list of the top LTF credit cards with free lounge access, you can find the perfect card that meets your needs and provides you with a range of benefits and rewards. So, take a quick look at the LTF credit cards that we will talk about today:

• IDFC First Select

• IDFC Wealth

• BOB Premier Card

• HDFC Visa Signature

• PNB Rupay Platinum

• HSBC Visa Platinum CC

• Axis My Zone

• Axis Select CC

• BOB Assam Rifles Sentinel

Now that we are done with our table of contents, let’s get started!

For my friends who may not have the patience to go through the entire list to find the top lifetime free credit card that gives lounge access to them, given below is a comparison table that explains all the lounge access benefits of each LTF credit card that we have included in our list. This table will help you understand which is the best LTF credit card with international airport access faster and you will be able to save a lot of your time. For further details, you can keep on reading.

Hopefully, this comparison table will give you a brief idea about all these credit cards with lounge access and no annual fee. Though this table has limited information for you to go on and thus, it’s better to understand all the offers and benefits of these LTF credit cards with airport lounge access. Thus, we will take a closer look at all of these lifetime-free credit cards:

The IDFC First Select Credit Card is one of the best LTF credit cards available on the market, not just for offering airport lounge access but also for its other benefits. It is one of the very few credit cards with no annual fee that offer domestic airport lounge access and other great benefits too. Coming with zero annual fees and joining charges, the IDFC Select Credit Card gives you many joining benefits, movie & dining discounts, domestic airport lounge access, railway lounge access, and more.

Here is a List of all IDFC Credit Card Lounges that give access to the holders.

Here are all the benefits that you get with the IDFC First Select Lifetime Free Credit Card:

• 4 Complimentary Domestic Airport Lounge Access per quarter.

• Get Airport Fast Track immigration service discount at over 450 global destinations.

• Great discounts on Airport transfer limousine service at over 3000 cities.

• 4 Complimentary Railway Lounge visits per quarter.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within the first 90 days of card issuance.

• 5% cashback of up to ₹1,000 on the transaction value of the first EMI done within the first 90 days of card issuance.

• ‘Buy one, get one free’ offer on movie tickets up to ₹250 on Paytm mobile app, valid twice a month.

• More than 300 merchant offers all year long.

• Up to 20% discount at more than 1500 restaurants and up to 15% discount at 3000+ health and wellness outlets.

• VIP treatment at more than 900 luxury hotels across the globe with various services like automatic room upgrades upon arrival, continental breakfast, and more.

• Complimentary Roadside Assistance worth ₹1,399.

• For transaction values between ₹200 to ₹5,000, you get a fuel surcharge waiver of 1% at all fuel stations across the country with a maximum limit of ₹300 per month.

The interest rate and various other charges of the IDFC First Select Lifetime Free credit card are as follows:

• No annual fee.

• Interest rate from 0.75% to 3.5% per month.

• Over-limit Charges- 2.5% of the over-limit amount is subject to a charge of ₹500 or higher.

• Forex Markup- 1.99% for all international transactions.

• 15% of the total due amount with a minimum of ₹100 and a maximum of ₹1,250 is the late payment fee for this LTF credit card with lounge access.

• No interest on cash withdrawals for up to 48 days. The cash advance fee per transaction is ₹199.

To apply for the IDFC First Select Credit Card with no annual fee and lounge access, you should meet the following requirements:

• Minimum age of 21 years.

• 3 lakhs minimum monthly income.

• A credit score of at least 750 points.

• Essential to be in the present job for at least a year.

Note: These requirements are subject to change based on your relations with the bank and other factors too. So, it’s advisable to ask a bank official for such details before applying for a credit card.

Yes, these are some of the many reasons that make the IDFC First Select one of the best LTF credit cards with lounge access in India. For more details about the IDFC First Select Credit Card, you can visit their official website.

The IDFC First Wealth Credit Card is hands down the best lifetime free credit card with airport lounge access in India, in 2023. Apart from being the best credit card with no annual fee and lounge access, it offers countless other benefits that are mouthwatering for many. For instance, it comes with domestic and international lounge access, airport spa visits, complimentary golf rounds per month, and all other benefits that you get with the IDFC First Select Credit Card that we talked about earlier.

Check out all the benefits of the IDFC First Wealth credit card given below:

• 4 complimentary domestic and international airport lounge visits per quarter.

• 4 complimentary airport spa visits per quarter.

• Get Airport Fast Track immigration service discount at over 450 global destinations.

• Great discounts on Airport transfer limousine service at over 3000 cities.

• 2 complimentary golf rounds every month for every ₹20,000 spent within the same month.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within the first 90 days of card issuance.

• 5% cashback of up to ₹1,000 on the transaction value of the first EMI done within the first 90 days of card issuance.

• ‘Buy one, get one free’ offer on movie tickets up to ₹250 on Paytm mobile app, valid twice a month.

• More than 300 merchant offers all year long.

• Up to 20% discount at more than 1500 restaurants and up to 15% discount at 3000+ health and wellness outlets.

• VIP treatment at more than 900 luxury hotels across the globe with various services like automatic room upgrades upon arrival, continental breakfast, and more.

• Complimentary Roadside Assistance worth ₹1,399.

• For transaction values between ₹200 to ₹5,000, you get a fuel surcharge waiver of 1% at all fuel stations across the country with a maximum limit of ₹300 per month.

Given below are the interest rates and charges of the IDFC First Wealth credit card with no annual fee and international lounge access:

• No annual fee.

• Interest rate from 0.75% to 3.5% per month.

• Over-limit Charges- 2.5% of the over-limit amount is subject to a charge of ₹500 or higher.

• Forex Markup- 1.99% for all international transactions.

• 15% of the total due amount with a minimum of ₹100 and a maximum of ₹1,250 is the late payment fee for this LTF credit card with lounge access.

• No interest on cash withdrawals for up to 48 days. The cash advance fee per transaction is ₹199.

To get this lifetime free credit card with lounge access, these eligibility criteria need to be met:

• Minimum age of 21 years.

• 3 lakhs minimum monthly income.

• A credit score of at least 750 points.

• Essential to be in the present job for at least a year.

Once you meet this criterion, you will be able to apply for the IDFC Wealth Credit Card that offers you free airport lounge access with no annual and joining fees.

The Bank of Baroda Premier Credit Card is a lifetime-free credit card that falls under a different category. Now, what does that mean? Well, it is not originally an LTF credit card but if you meet certain easy requirements, you can convert it into a lifetime free credit card with airport lounge access. What is this criterion? You simply have to spend ₹10,000 or more within the first 60 days of getting the card for fee reversal. For the following years, you have to spend ₹1,20,000 yearly to waive all future annual fees. And, this is how, the BOB Premier Credit Card becomes lifetime free for you, giving many more benefits along with free airport lounge access.

Do check the Bank of Baroda airport lounges list for your Rupay Premier Card and Visa Premier Card.

The BOB Premier CC comes with the following benefits and features:

• 1 complimentary airport lounge visit every quarter.

• 1 Reward point for every ₹100 spent on select merchant stores.

• 5X reward points for every ₹100 spent on travel, dining, and international spending.

• 2 Reward points for every ₹100 spent on other categories.

• Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).

Here are the interest rates and charges that you need to pay with the Bank of Baroda Premier Credit Card that has no annual fee and comes with free lounge access too:

• Annual fee worth ₹1,000 can be waived off.

• Interest rate of 3.25% per month.

• Cash withdrawal fee of 2.5% for domestic ATMs and 3% for International ATMs of the transaction amount, the minimum limit being ₹300.

• Over limit charges of 1%.

• Foreign currency transaction fee of 3.5% per transaction.

If you are planning to apply for the BOB Premier LTF credit card with lounge access, you need to meet the following requirements:

• Minimum age requirement is 18 years.

• Salary of ₹3 lakhs or more per year for salaried employees.

• More than ₹25 lakhs paid up capital for individuals with companies and private firms.

If you think you are eligible for the Bank of Baroda Premier credit card with no annual fee and complimentary lounge access, you can apply for it right away.

The HDFC Visa Signature Lifetime credit card comes with 4 airport lounge accesses every quarter and gives many more benefits too. But the question is, how do you get the HDFC Visa Signature as an LTF credit card? It’s simple, all you need to do is spend ₹15,000 within the first 90 days of obtaining your credit card to get the first year’s membership for free, and the annual fee for the following years can be waived by spending ₹75,000 every year! Honestly speaking, these minimum limits are nothing when compared to the benefits that the HDFC Visa Signature Credit Card offers.

Here is the Lounge Access List of the HDFC Visa Signature Credit Card.

The HDFC Visa Signature CC comes with the following benefits and features:

• 4 Domestic and international airport lounge accesses every quarter.

• Two reward points for every ₹150 spent.

• Free priority pass membership worth $99.

• 50 days of interest-free credit period.

The several charges and interest rates of this LTF credit card with lounge access are as follows:

• Each year’s annual fee can be waived off.

• The cash withdrawal fee is 2.5% of the amount with the minimum charge being ₹500.

• 3.49% interest rate for outstanding balances.

• For more details, do visit HDFC Visa Signature Credit Card All Charges.

Here are the eligibility requirements for you to get the lifetime free HDFC Visa Signature CC with international lounge access:

• Minimum age of 21 years and maximum age of 60 years for salaried employees.

• Minimum age of 21 years and maximum age of 65 years for self-employed individuals.

As unrealistic as it seems, the HDFC Visa Signature Credit Card is available without much hassle for almost everyone if they meet the age criteria. It can be your best lifetime free credit card with lounge access too, so do consider this CC too.

The Punjab National Bank Rupay Platinum is a lifetime free credit card with domestic and international lounge access too. To be precise, this credit card asks for a joining and annual fees of ₹ 500 each but if you use it every once in a quarter, you do not have to pay any fee with it. Speaking of its benefits, being an LTF credit card, it offers so many features that many paid credit cards would pale in comparison. As a joining bonus, you get 300 reward points and each reward point holds a value of ₹0.50. Also, it gives you 1 reward point for every ₹100 that you spend.

Make sure to check the PNB Rupay Platinum Lounge Access List.

All the benefits of the Punjab National Bank Rupay Platinum CC are listed below:

• 2 Domestic and international lounge access per quarter.

• Annual fee and joining fee waiver if the CC is used once a quarter.

• 300 reward points as joining benefits.

• 1 Reward point for every ₹100 spent.

• 300+ merchant offers.

Here are all the charges of the PNB Rupay Platinum lifetime free credit card with airport lounge access:

• Joining fee and annual of ₹500 (waived off if the credit card is used once in a quarter).

• 3.5% foreign markup fee.

• 2.95% low-interest rate for outstanding balances.

• Cash withdrawal fee: 2% of the amount or ₹100, whichever is higher if the amount is withdrawn at any PNB ATM. 2% or ₹150 for other ATMs, and 2% or ₹250 for overseas ATMs.

Here are the eligibility requirements that you must meet to get this credit card with no annual fee and lounge access:

• Age from 21 years to 65 years.

• Income of ₹5,00,000 or more.

• Either 10th pass or literate.

• A decent credit score, preferably 750 points.

Once you meet all these criteria, make sure to check out the PNB Rupay Platinum Credit Card with zero annual fees and airport lounge access.

The HSBC Visa Platinum Credit Card is a unique card that offers great features for no annual or joining fee. It is an LTF credit card with lounge access or air meal vouchers. But, there’s a catch; it offers 3 complimentary airport lounge access in total, and that’s pretty much it. Yes, the number of lounge visits that you get with this credit card is limited to three, and that might not be enough for everyone. But, if you need an LTF credit card with lounge access just once and do not travel often, then this CC would make sense for you.

You can go through all the benefits of this lifetime free credit card given below:

• Lifetime free credit card, which means you do not have to pay any joining or annual fees.

• 3 complimentary airport lounge visits or 3 AirDine meal vouchers.

• Air miles conversion on InterMiles, British Airways, and Singapore Airlines.

• After you cross the spending amount of ₹4,00,000 in a year, you get 5X reward points for all subsequent purchases with a maximum limit of 15,000 points.

• Introductory benefits of up to ₹6,350.

• Up to ₹3,000 yearly saving on fuel surcharge.

All the charges of this credit card are mentioned below:

• 3.5% per month interest rate.

• 2.5% cash withdrawal fee per transaction amount, with the minimum charge being ₹300.

• ₹50 reward redemption fee per request.

• Overlimit fee of ₹500 per month.

All applicants must meet these eligibility requirements to get an HSBC Visa Platinum lifetime free credit card with lounge access:

• A minimum age of 18 years and a maximum age of 65 years.

• Available only for salaried employees.

• Minimum yearly income of ₹4,00,000.

• The applicant must be a resident of these cities- Mumbai, Delhi, Chennai, Noida, Hyderabad, Pune, Kolkata, Bengaluru, and Gurgaon.

If you meet the criteria that are mentioned above, you can easily apply for an HSBC Visa Platinum Credit Card with no annual fee and lounge access.

All the credit cards that we talked about earlier offer great benefits along with lounge access, being LTF, or their annual fees can be waived off easily. But what if you are looking for a premium credit card with the same features? Of course, a premium credit card would ask for an annual or joining fee, which might be too high for many. But, some banks offer their premium credit cards as lifetime free ones for select individuals. If you somehow manage to get those premium credit cards with no annual fee, the benefits that you will get will be fabulous. So, here is a list of these lifetime free premium credit cards that come with lounge access too.

The credit cards that are premium in nature and are available as LTF credit cards for some users are, as of now, provided by Axis Bank and Bank of Baroda. These cards include the Axis Bank Select and My Zone credit cards, and the Bank of Baroda Assam Rifles Sentinel credit card. These CCs are not lifetime free generally, but for some select individuals, they can be obtained with no annual fees and no joining fees. We have explained the conditions for the same right below:

• Axis Bank My Zone Credit Card: Lifetime Free for Select Channels
• Axis Bank Select Credit Card: Lifetime Free for Burgundy Account Holders
• Bank of Baroda Assam Rifles Sentinel Credit Card: Lifetime Free for Assam Rifles Personnel

These are all the lifetime free credit cards with lounge access in India in 2023. Do note that all LTF credit cards with lounge access mentioned above have their own benefits for different users. This means that one card may not be as useful for an individual while it would have great utility for the other. So, make sure that you pick the right credit card with no annual fee and airport lounge access. Also, it’s generally recommended that you always talk to your bank officials before proceeding with any credit card-related steps, as they are the best authority to help you in all ways. Not to mention, we have tried our best to include only the best LTF credit cards here, but if you think that we might have missed out on some others, feel free to mention them in the comments section. Thank You!