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Denied lounge access recently? Check if your credit card issuer has linked it to monthly spends

Many banks and credit card issuers have started linking the lounge benefit to monthly or quarterly spend milestones, which means you are now required to meet a certain spend threshold to be eligible for free lounge access.

August 14, 2025 / 13:48 IST
Check lounge access on your credit card before you travel?
Credit card issuers have been curtailing benefits on credit cards. Today's Ask Wallet-Wise query answers how to ensure that a lounge access on your card. Moneycontrol’s Ask Wallet-wise initiative offers expert advice on matters related to personal finance and money-related queries. You can email your queries to askwalletwise@nw18.com, and we will try and get a top financial expert to address your queries.On my recent visit, a lounge access was declined on my credit card. I previously used lounge access on the same card. What could be the reason for denial? Can a credit card company change terms and conditions mid-year? How to ensure I have lounge access on my next visit?

Expert Advice: Your lounge access may have been declined due to changes in your credit card’s lounge access program. Many banks and credit card issuers have started linking the lounge benefit to monthly or quarterly spend milestones, which means you are now required to meet a certain spend threshold to be eligible for free lounge access. It is also possible that the lounge access benefit may have been removed altogether from your card.

Banks and credit card issuers often revise terms mid-year, and they usually notify customers in advance through email, SMS, or monthly statements.

To ensure lounge access on your next visit, check the latest benefit terms on your card issuer’s website or app and ensure that you meet any updated eligibility criteria for free lounge access on your card.

If you travel frequently and visit airport lounges often, I would suggest you get a travel-focused credit card that not only offers lounge access but also offers other travel perks like free air miles, hotel benefits, etc.

Disclaimer: The views expressed by experts on Moneycontrol are their own and not those of the website or its management. Moneycontrol advises users to check with certified experts before taking any investment decisions.

Ask Wallet-Wise

 

Rohit Chhibbar is Head of Credit Cards Business, Paisabazaar
first published: Aug 14, 2025 01:48 pm

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