By Anuj Sharma, founder of COFFER · Published · From each bank’s own page
ICICI Bank
15 cards- Adani One ICICI Bank Platinum Credit Card
Spend ₹75,000 or more on the card in a calendar quarter to avail the 2 lounge access benefit in the following calendar quarter
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Adani One Platinum Credit Card in a calendar quarter. This entitles you to avail the 2 lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.”
The bank’s document · read 20 Oct 2026
- ICICI Bank Adani One Signature Credit Card
Spend ₹75,000 or more on the card in a spends quarter to avail the 4 lounge accesses benefit in the following calendar quarter
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Adani One Signature Credit Card in a spends quarter. This entitles you to avail the 4 lounge accesses benefit in the following calendar quarter.”
The bank’s document · read 20 Oct 2026
- ICICI Bank Coral Credit Card
Spend ₹75,000 or more on the card in a calendar quarter to avail the lounge access benefit in the following calendar quarter; the benefit is exclusively applicable to the primary Cardholder
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Coral Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.”
The bank’s document · read 20 Oct 2026
- ICICI Bank Emeralde Credit Card
The ₹75,000 spend criterion for domestic airport lounge access applies to all eligible ICICI Bank Credit Cards except ICICI Bank Emeralde Credit Cards
See ICICI’s exact words
“Starting 01 January 2025, you can enjoy complimentary lounge access at domestic airports by spending ₹75,000 on certain ICICI Bank Credit Cards. [...] This updated criterion for availing complimentary domestic airport lounge access will be applicable for all eligible ICICI Bank Credit Cards except: [...] ICICI Bank Emeralde Credit Cards”
The bank’s document · read 20 Oct 2026
Show 11 more ICICI cards
- ICICI Bank Emirates Emeralde Credit Card
Updated lounge access criteria: spends made in the preceding calendar quarter unlock access for the subsequent calendar quarter; applicable for all eligible ICICI Bank Credit Cards except the listed cards, among them ICICI Bank Emirates Emeralde Credit Card
See ICICI’s exact words
“Spends made in the preceding calendar quarter will unlock access for the subsequent calendar quarter [...] This updated criteria to avail complimentary domestic airport lounge access will be applicable for all eligible ICICI Bank Credit Cards except: [...] ICICI Bank Emirates Emeralde Credit Card”
The bank’s document · read 20 Oct 2026
- ICICI Bank Emirates Rubyx Credit Card
Available only on a spend of ₹75,000 in the preceding quarter
See ICICI’s exact words
“the Emirates Rubyx Credit Card offers 1 complimentary domestic lounge visit per quarter. and is available only on a spend of ₹75,000 in the preceding quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank Emirates Sapphiro Credit Card
Spend ₹75,000 or more in a spend quarter to enjoy domestic airport lounge access
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Emirates Sapphiro ICICI Bank Credit Card in a spend quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank HPCL Super Saver Credit Card
Spend ₹75,000 or more in a calendar quarter to enjoy domestic lounge access
See ICICI’s exact words
“To enjoy domestic lounge access, you must spend ₹75,000 or more on your HPCL Super Saver Credit Card in a calendar quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank Parakram Credit Card
Spend ₹75,000 or more in a calendar quarter to enjoy domestic lounge access
See ICICI’s exact words
“To enjoy domestic lounge access, you must spend ₹ 75,000 or more on your Parakram Credit Card in a calendar quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank Parakram Select Credit Card
Spend ₹75,000 or more in a calendar quarter to avail the lounge access benefit in the following calendar quarter
See ICICI’s exact words
“To enjoy domestic lounge access, you must spend ₹75,000 or more on your Parakram Select Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank Rubyx Credit Card
Spend ₹75,000 or more in a preceding spend quarter to avail the lounge access benefit in the following calendar quarter
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Rubyx Credit Card in a preceding spend quarter. This entitles you to avail the lounge access benefit in the following calendar quarter.”
The bank’s document · read 5 Oct 2026
- ICICI Bank Sapphiro Credit Card
Spend ₹75,000 or more in a calendar quarter to avail the lounge access benefit in the following calendar quarter; the benefit is exclusively applicable to the primary Cardholder
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your Sapphiro Credit Card in a calendar quarter. This entitles you to avail the lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.”
The bank’s document · read 5 Oct 2026
- MakeMyTrip ICICI Bank Credit Card
Spend ₹75,000 or more in a calendar quarter to avail the lounge access benefit in the following calendar quarter; the benefit is exclusively applicable to the primary Cardholder
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your MakeMyTrip ICICI Bank Credit Card in a calendar quarter. This entitles you to avail the 2 lounge access benefit in the following calendar quarter. The benefit is exclusively applicable to the primary Cardholder.”
The bank’s document · read 5 Oct 2026
- MakeMyTrip ICICI Bank Platinum Credit Card
Spend ₹75,000 or more in a calendar quarter to enjoy domestic airport lounge access
See ICICI’s exact words
“To enjoy domestic airport lounge access, you must spend ₹75,000 or more on your MakeMyTrip Platinum Credit Card in a calendar quarter.”
The bank’s document · read 5 Oct 2026
- Times Black ICICI Bank Credit Card
Complimentary domestic lounge access by spending ₹75,000 in the preceding calendar quarter applies to all eligible ICICI Bank Credit Cards except the Times Black ICICI Bank Credit Card
See ICICI’s exact words
“you can enjoy complimentary airport lounge access by spending ൽ75,000 in the preceding calendar quarter [...] The updated criteria to avail complimentary domestic airport lounge access will be applicable for all eligible ICICI Bank Credit Cards except: [...] Times Black ICICI Bank Credit Card”
The bank’s document · read 20 Oct 2026
HDFC Bank
11 cards- BizBlack Metal Edition Credit Card
Unlimited monthly lounge access eligible on making min one transaction of any amount in previous month (excluding first month of card issuance); cash advances, credit card fees or any charges and all EMI spends (Easy EMI, Smart EMI/ Dial an EMI etc) will not be eligible
See HDFC’s exact words
“Biz Black Metal Card: Unlimited monthly lounge access eligible on making min one transaction of any amount in previous month (excluding first month of card issuance) [...] Following spends will not be eligible for lounge access [...] Cash advances [...] Credit card fees or any charges [...] All EMI spends (Easy EMI, Smart EMI/ Dial an EMI etc)”
The bank’s document · read 19 Oct 2026
- BizPower Credit Card
Spend ₹75,000 or more in the previous calendar quarter to unlock the lounge and travel benefits
See HDFC’s exact words
“These benefits unlock when you spend ₹75,000 or more in the previous calendar quarter.”
The bank’s document · read 19 Oct 2026
- Business Regalia Credit Card
₹1 Lakh spend in the previous quarter unlocks 2 Complimentary Domestic Lounge Access per quarter (Jan-Mar | Apr-Jun | Jul-Sep | Oct-Dec)
See HDFC’s exact words
“Get 2 Complimentary Domestic Lounge Access per quarter (Jan-Mar | Apr-Jun | Jul-Sep | Oct-Dec) after spending ₹1 Lakh in the previous quarter.”
The bank’s document · read 5 Oct 2026
- Diners Club Privilege Credit Card
Rs. 60,000 eligible spends in previous calendar quarter
See HDFC’s exact words
“Starting 01 July 2026, customer will be able to avail 3 Airport Lounge Access Vouchers in a calendar quarter on Rs. 60,000 eligible spends in previous calendar quarter.”
The bank’s document · read 5 Oct 2026
Show 7 more HDFC cards
- HDFC Bank Millennia Credit Card
Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter; Lounge access is integrated into quarterly spends milestone program
See HDFC’s exact words
“Get either ₹1,000 worth gift voucher or 1 domestic lounge access on spends of ₹1,00,000 and above in each calendar quarter [...] Lounge access is integrated into quarterly spends milestone program”
The bank’s document · read 5 Oct 2026
- HDFC Bank Regalia Gold Credit Card
3 Lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter
See HDFC’s exact words
“3 Lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter using the HDFC Bank Regalia Gold Credit Card.”
The bank’s document · read 5 Oct 2026
- PhonePe HDFC Bank Ultimo Credit Card
Spend ₹75,000 or more in the previous calendar quarter to be eligible for the lounge access
See HDFC’s exact words
“where cardholders need to spend ₹75,000 or more in the previous calendar quarter to be eligible for the lounge access.”
The bank’s document · read 5 Oct 2026
- Regalia Credit Card
Up to 2 complimentary domestic lounge access vouchers every quarter on Smartbuy, for Primary and Addon subject to quarterly spends of Rs 1 lakh
See HDFC’s exact words
“Up to 2 complimentary domestic lounge access vouchers every quarter on Smartbuy, for Primary and Addon subject to quarterly spends of Rs 1 lakh.”
The bank’s document · read 5 Oct 2026
- Regalia First Credit Card
Not offered: from December 1, 2023, the lounge benefit has been discontinued
See HDFC’s exact words
“HDFC Bank Regalia First Credit Card used to offer complimentary airport lounges access as a part of its travel benefits. However, from December 1, 2023, the lounge benefit has been discontinued.”
The bank’s document · read 20 Oct 2026
- Tata Neu Infinity HDFC Bank Credit Card
2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of Rs 50,000 or more in a calendar quarter; If your card is upgraded, lost, or reissued spends done on only new card will be considered. Spends done on previous card will not be considered for qualification
See HDFC’s exact words
“2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of Rs 50,000 or more in a calendar quarter. [...] If your card is upgraded, lost, or reissued spends done on only new card will be considered. Spends done on previous card will not be considered for qualification.”
The bank’s document · read 5 Oct 2026
- Tata Neu Plus HDFC Bank Credit Card
Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter
See HDFC’s exact words
“W.e.f 10-Jun-2025, Domestic Lounge Access benefit will be Milestone based and can be availed as a Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter.”
The bank’s document · read 5 Oct 2026
SBI Card
5 cards- IndiGo SBI Card
Minimum eligible spend of Rs. 50,000 in the previous calendar quarter
See SBI’s exact words
“Access to domestic airport lounges is based on a minimum eligible spend of Rs. 50,000 in the previous calendar quarter.”
The bank’s document · read 29 Sept 2026
- IndiGo SBI Card ELITE
Minimum eligible spend of ₹1,00,000 in the previous calendar quarter
See SBI’s exact words
“Access to domestic airport lounges is based on a minimum eligible spend of Rs. 1,00,000 in the previous calendar quarter.”
The bank’s document · read 20 Oct 2026
- SBI Card MILES
1 additional domestic airport lounge visit for every Rs. 1 lakh spent, over and above complimentary visits; additional lounge visits capped at 8 per membership year
See SBI’s exact words
“Earn 1 additional domestic airport lounge visit for every Rs. 1 lakh spent, over and above complimentary visits. [...] Additional lounge visits capped at 8 per membership year.”
The bank’s document · read 5 Oct 2026
- SBI Card MILES ELITE
1 additional domestic airport lounge visit for every spend of Rs. 1 lakh, over & above the complimentary visits; additional lounge visits capped at 15 visits in a membership year
See SBI’s exact words
“For every spend of Rs. 1 lakh, 1 complimentary domestic airport lounge visit over & above the complimentary visits [...] Additional lounge visits are capped at 15 visits in a membership year”
The bank’s document · read 5 Oct 2026
Show 1 more SBI card
- Tata Neu Infinity SBI Card
Rs. 75,000 spends in previous quarter, applicable for 2 domestic lounge accesses per quarter
See SBI’s exact words
“8 domestic airport lounge accesses/every year (2 per quarter, applicable on achieving Rs. 75,000 spends in previous quarter)”
The bank’s document · read 5 Oct 2026
Axis Bank
4 cards- Axis Bank Atlas Credit Card
Lounge visits depend on tier: Gold tier on card spends of 7.5 lacs and Platinum tier on 15 lacs in an anniversary year; tier is evaluated at the beginning of each anniversary year on the basis of the previous year card spends
See Axis’s exact words
“Atlas credit cardholders are entitled to avail lounge benefits as per the following [...] Cardholder will be upgraded to Gold tier, upon achieving card spends of 7.5 lacs in an anniversary year [...] Cardholder will be upgraded to Platinum tier, upon achieving card spends of 15 lacs in an anniversary year [...] Atlas credit cardholders’ tier will be evaluated at the beginning of each anniversary year on the basis of the previous year card spends”
The bank’s document · read 17 Oct 2026
- Axis Bank Magnus Credit Card
From 1 May 2024, domestic lounge access benefits are based on spends on the MAGNUS Credit Card in the previous 3 calendar months: minimum spends ₹50,000 in the previous 3 calendar months; for a newly issued card the minimum spend criteria is waived for the month of issuance followed by the next 3 calendar months
See Axis’s exact words
“With effect from 1 st May 2024, the domestic airport lounge benefits on your Credit Card will undergo the following changes [...] Your lounge access benefits will be based on your MAGNUS Credit Card spends in the previous 3 calendar months. [...] Credit Card Min. spends (Rs.) Min. spend period MAGNUS 50,000 Previous 3 calendar months [...] In case of a newly issued card*, the minimum spend criteria is waived for the month of issuance followed by the next 3 calendar months.”
The bank’s document · read 20 Oct 2026
- Axis Bank Privilege Credit Card
50K spends in prior 3 months to be eligible for access
See Axis’s exact words
“50K spends in prior 3 months to be eligible for access”
The bank’s document · read 5 Oct 2026
- Axis Bank Select Credit Card
Effective 1 October 2026, spends on Insurance, Utilities & Telecom, Gold/Jewellery, Education, Government Services, Rent, Fuel, Wallets, and Gift Cards will be excluded from the spend threshold calculation for unlocking 6 additional lounge visits and priority pass renewal
See Axis’s exact words
“Effective 1 October 2026, spends on Insurance, Utilities & Telecom, Gold/Jewellery, Education, Government Services, Rent, Fuel, Wallets, and Gift Cards will be excluded from the spend threshold calculation for unlocking 6 additional lounge visits and priority pass renewal.”
The bank’s document · read 30 Oct 2026
BOB Financial (BOBCARD)
10 cards- Assam Rifles The SENTINEL
Complimentary lounge access is subject to minimum spends of Rs 20,000 in the preceding calendar quarter, effective 1st Jan, 2025
See BOB Financial (BOBCARD)’s exact words
“Effective 1st Jan, 2025 Complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- BOBCARD Scapia Credit Card
Unlimited domestic lounge access and airport privileges by spending Rs. 20000 a month
See BOB Financial (BOBCARD)’s exact words
“Enjoy unlimited domestic lounge access and airport privileges by spending Rs. 20000 a month on your BOBCARD Scapia Credit Card”
The bank’s document · read 5 Oct 2026
- CMA One
Complimentary lounge access is subject to minimum spends of Rs 40,000 in the preceding calendar quarter, effective 1st Jan, 2025
See BOB Financial (BOBCARD)’s exact words
“Effective 1st Jan, 2025, Complimentary lounge access will subject to minimum spends of Rs 40,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- HPCL ENERGIE
Minimum spends of Rs 20,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
Show 6 more BOB Financial (BOBCARD) cards
- ICAI Exclusive BOBCARD
Minimum spends of Rs 40,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“Complimentary lounge access will subject to minimum spends of Rs 40,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- ICSI Diamond
Minimum spends of Rs 40,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“Complimentary lounge access will subject to minimum spends of Rs 40,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- Indian Army YODDHA
Minimum spends of Rs 20,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“Complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- Indian Coast Guard RAKSHAMAH
Minimum spends of Rs 20,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“Complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- Indian Navy Varunah
Minimum spends of Rs 75,000 in the preceding calendar quarter for complimentary lounge access
See BOB Financial (BOBCARD)’s exact words
“Complimentary lounge access will subject to minimum spends of Rs 75,000 in the preceding calendar quarter.”
The bank’s document · read 5 Oct 2026
- Tiara
Domestic airport lounge access: spend a minimum of ₹75,000 in the previous calendar quarter
See BOB Financial (BOBCARD)’s exact words
“TIARA provides unlimited complimentary domestic airport lounge access. To enjoy this benefit, you must have spent a minimum of ₹75,000 in the previous calendar quarter.”
The bank’s document · read 5 Oct 2026
YES Bank
8 cards- BYOC Credit Card
Spending ₹50,000 or more in the previous quarter qualifies BYOC cardholders for complimentary domestic lounge access in the subsequent quarter, only for cardholders with the lounge access feature; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions. [...] Only cardholders with the lounge access feature and who meet the spends threshold are eligible for complimentary lounge access”
The bank’s document · read 21 Oct 2026
- ELITE+ Credit Card
Spending ₹50,000 or more in the previous quarter qualifies Elite+ cardholders for complimentary domestic lounge access in the subsequent quarter; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] Threshold Amount (INR) YES Private / YES Private Prime NIL Marquee/ Reserv / Reserv for NRI INR 1,00,000 YES First Preferred / YES First Preferred for NRI / YES First Preferred issued against FD / YES First Business INR 75,000 YES Essence INR 25,000 Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions.”
The bank’s document · read 20 Oct 2026
- MARQUÉE Credit Card
Spending ₹1,00,000 or more in the previous quarter qualifies Marquee cardholders for complimentary domestic lounge access in the subsequent quarter; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] Threshold Amount (INR) YES Private / YES Private Prime NIL Marquee/ Reserv / Reserv for NRI INR 1,00,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions.”
The bank’s document · read 20 Oct 2026
- SELECT Credit Card
Spending ₹50,000 or more in the previous quarter qualifies Select cardholders for complimentary domestic lounge access in the subsequent quarter; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] Threshold Amount (INR) YES Private / YES Private Prime NIL Marquee/ Reserv / Reserv for NRI INR 1,00,000 YES First Preferred / YES First Preferred for NRI / YES First Preferred issued against FD / YES First Business INR 75,000 YES Essence INR 25,000 Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions.”
The bank’s document · read 20 Oct 2026
Show 4 more YES cards
- YES BANK novio Credit Card
Spending ₹50,000 or more in the previous quarter qualifies Novio cardholders for complimentary domestic lounge access in the subsequent quarter, only for cardholders with the lounge access feature; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] Elite+/ Elite+ issued against FD / Select / Select for NRI / Select issued against FD / BYOC / Yes Prosperity Business / Wellness Plus / Zagg / Novio INR 50,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions. [...] Only cardholders with the lounge access feature and who meet the spends threshold are eligible for complimentary lounge access”
The bank’s document · read 21 Oct 2026
- YES BANK novio RuPay Credit Card
Not offered: lounge benefits are not applicable
See YES’s exact words
“Does it offer lounge access? No. Lounge benefits are not applicable.”
The bank’s document · read 21 Oct 2026
- YES First Business Credit Card
Spending ₹75,000 or more in the previous quarter qualifies YES First Business cardholders for complimentary domestic lounge access in the subsequent quarter; the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions; only cardholders with the lounge access feature who meet the spends threshold are eligible
See YES’s exact words
“amount or more in the previous quarter [...] you automatically qualify for complimentary domestic lounge access in the subsequent quarter [...] YES First Preferred / YES First Preferred for NRI / YES First Preferred issued against FD / YES First Business INR 75,000 [...] This spends threshold is applicable only for accessing complimentary domestic lounges (lounges within India) and the spends exclude fee payments, reversals or cancelled transactions, rental and wallet transactions. [...] Only cardholders with the lounge access feature and who meet the spends threshold are eligible for complimentary lounge access”
The bank’s document · read 21 Oct 2026
- YES Private Credit Card
Spends threshold for complimentary domestic lounge access (Threshold Amount (INR)): NIL for YES Private / YES Private Prime
See YES’s exact words
“Eligibility for domestic complimentary Lounge Access is subject to meeting the Spends threshold. [...] Credit Card Variant Threshold Amount (INR) [...] YES Private / YES Private Prime NIL”
The bank’s document · read 27 Oct 2026
IDFC FIRST Bank
7 cards- Business Multiplier Credit Card
Spending ₹20,000 or more in the previous calendar month unlocks the quarterly lounge visits
See IDFC FIRST’s exact words
“Yes, the Business Multiplier Credit Card offers domestic (once a quarter) and international (once a quarter) airport lounge access on spending ₹20,000 or more in the previous calendar month.”
The bank’s document · read 5 Oct 2026
- Diamond Reserve
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month
See IDFC FIRST’s exact words
“The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.”
The bank’s document · read 5 Oct 2026
- FIRST Classic
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
See IDFC FIRST’s exact words
“spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month”
The bank’s document · read 5 Oct 2026
- FIRST Millennia
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
See IDFC FIRST’s exact words
“Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.”
The bank’s document · read 5 Oct 2026
Show 3 more IDFC FIRST cards
- FIRST Select
1 complimentary domestic airport lounge access per quarter (four annually) on a minimum spend of ₹20,000 in the previous calendar month
See IDFC FIRST’s exact words
“The IDFC FIRST Select Credit Card offers 1 complimentary domestic airport lounge access per quarter (four annually) on a minimum spend of ₹20,000 in the previous calendar month.”
The bank’s document · read 5 Oct 2026
- FIRST SWYP
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
See IDFC FIRST’s exact words
“Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.”
The bank’s document · read 5 Oct 2026
- FIRST WOW! Black Credit Card
Get 1 lounge access per quarter, on spending ₹20,000 in previous month
See IDFC FIRST’s exact words
“Four complimentary domestic lounge access every year Get 1 lounge access per quarter, on spending ₹20,000 in previous month”
The bank’s document · read 5 Oct 2026
AU Small Finance Bank
5 cards- AU Ananta Credit Card
Need to spend minimum of ₹5,000 on flight booking via AU Rewardz to become eligible for Complimentary Domestic Airport Lounge Access in the same calendar quarter
See AU Small Finance’s exact words
“AU Ananta Credit Cardholders need to spend minimum of Rs. 5000 on flight booking via AU Rewardz to become eligible for Complimentary Domestic Airport Lounge Access in the same calendar quarter.”
The bank’s document · read 23 Oct 2026
- AU Laksya Credit Card
Need to spend minimum of ₹50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter
See AU Small Finance’s exact words
“AU Credit Cardholders need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
The bank’s document · read 23 Oct 2026
- Vetta Credit Card
With effect from 10th April 2026, access to domestic airport lounges will be based on a minimum spend of ₹50,000 in a calendar quarter
See AU Small Finance’s exact words
“With effect from 10th April 2026, access to domestic airport lounges will be based on a minimum spend of ₹50,000 in a calendar quarter”
The bank’s document · read 22 Oct 2026
- Xcite Ultra Credit Card
With effect from 10th April 2026, 2 complementary domestic lounge access every quarter is based on completing minimum spend of ₹50,000 in the previous quarter
See AU Small Finance’s exact words
“With effect from 10 th April 2026, 2 complementary domestic lounge access every quarter is based on completing minimum spend of ₹50,000 in the previous quarter.”
The bank’s document · read 22 Oct 2026
Show 1 more AU Small Finance card
- Zenith Credit Card
Cardholders can enjoy access to domestic airport lounges upon achieving retail spends of Rs. 50,000 or more in preceding calendar quarter
See AU Small Finance’s exact words
“Cardholders can enjoy access to domestic airport lounges upon achieving retail spends of Rs. 50,000 or more in preceding calendar quarter.”
The bank’s document · read 22 Oct 2026
Other banks' lounge spend rules
7 cards- American Express Platinum Travel Credit Card
Eligible spends in the preceding quarter: ₹70,000 in Q3'26 for Q4'26 visits; ₹1 Lakh per quarter from Q4'26 onwards
See American Express’s exact words
“upon reaching eligible spends in the preceding quarter (₹70,000 in Q3'26 for Q4'26 visits; ₹1 Lakh per quarter from Q4'26 onwards”
The bank’s document · read 5 Oct 2026
- Federal Bank VISA Imperio Credit Card
Spend INR 40,000 or more in a quarter
See Federal’s exact words
“Complimentary lounge access – Spend INR 40,000 or more in a quarter to enjoy 2 Domestic Lounge access in the next quarter.”
The bank’s document · read 5 Oct 2026
- Kotak Air+ Prime Credit Card
No minimum spend requirement for domestic and international airport lounge access
See Kotak Mahindra’s exact words
“Cardholders of the below card variant/s can access Domestic airport lounges without any minimum spend requirement [...] Air + Prime [...] Cardholders of the below card variant/s can access Global (International) airport lounges without any minimum spend requirement. [...] Air + Prime”
The bank’s document · read 27 Oct 2026
- Icon Credit Card
Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter; purchases made on select categories will not be eligible for lounge benefits
See RBL’s exact words
“Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter. [...] Purchases made on select categories will not be eligible for lounge benefits.”
The bank’s document · read 5 Oct 2026
Show 3 more cards
- Platinum Maxima Plus Credit Card
Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter; purchases made on select categories will not be eligible for lounge benefits
See RBL’s exact words
“Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter. [...] Purchases made on select categories will not be eligible for lounge benefits.”
The bank’s document · read 5 Oct 2026
- Priority Visa Infinite Credit Card
2 international lounge visits per month, subject to the cardholder meeting the FUM (Funds under Management) qualification criteria of INR 30 Lakh at an individual account level, and the respective primary and supplementary credit card being active in the calendar month of the usage
See Standard Chartered India’s exact words
“The Priority Pass programme provides you with 2 international lounge visits per month, subject to the cardholder meeting the FUM* (Funds under Management) qualification criteria of INR 30 Lakh at an individual account level, and the respective primary and supplementary credit card being active in the calendar month of the usage.”
The bank’s document · read 5 Oct 2026
- Ultimate Credit Card
1 complimentary access per month at international lounges outside India (with Priority Pass) subject to spends of INR 20,000 on your Ultimate Credit Card in the previous month
See Standard Chartered India’s exact words
“1 complimentary access per month at international lounges outside India (with Priority Pass) subject to spends of INR 20,000 on your Ultimate Credit Card in the previous month.”
The bank’s document · read 5 Oct 2026
Which quarter counts
Most of these rules count a calendar quarter: January to March, April to June, July to September, October to December. On those cards, what you spend in one quarter decides the lounge visits in the next. Some cards count the same quarter or the last three months instead, as their own words above say.
Check before you fly
Look up your card's rule before you reach the airport. Some banks also leave certain spends out of this total; each card's own page on COFFER lists every rule we hold for it, with the bank's document.
If your card is not on this page
A card missing here has no lounge spend sentence in the documents we hold for it yet, or gives lounge access without a spend rule. Each card's own page lists its lounge benefits as the bank states them.
How this page is kept
Every card line here is read from the same register as the card's own page, so when a bank changes its rule, this page changes with it. Nothing here is a recommendation or financial advice.