Lounge Access Credit Card: An essential guide to maximise benefits

Getting free lounge access at airports might seem like a luxury, but if you use a credit card wisely, this benefit can be easily unlocked. Airport lounges offer a comfortable space to relax, enjoy free food, Wi-Fi, and even spa services – all without the usual chaos of crowded terminals. Some credit cards come with access to not just domestic but international lounges as well.

What is lounge access?

Airport lounges are premium waiting areas provided at many domestic and international airports. They offer food, beverages, newspapers and cosy seating. A perfect place to relax before a flight.

Access to these lounges is usually reserved for business or first-class passengers, but many credit cards now offer free or discounted entry to cardholders. So, even if you are flying economy, your card might be your golden ticket to get in.

How to check if your credit card has lounge benefits

Not all credit cards offer lounge benefits. Usually, mid to premium range cards, especially travel or lifestyle cards, include this feature.

1. Visit your card provider’s official website or mobile app.


2. Check the "features" or "travel benefits" section.


3. Call customer care if you are unsure.


4. Look for terms like, ‘domestic airport lounge access’, ‘international lounge access via Priority Pass’, ‘Dreamfolks’, or ‘LoungeKey’.


5. Look for complimentary visits per quarter/year, as well.

How to maximise your credit card’s lounge access benefits

• Check eligibility: Different credit cards have varying requirements for lounge access, such as minimum spending threshold. Before buying the lounge access card, read the terms and conditions carefully. This will help select the appropriate card based on their flying needs and overall spending habits.


• Benefits for frequent flyers: Some of the lounge access cards come with many discounts for frequent flyers. In that case, one can select their card accordingly to save money by collecting bonus air miles, etc. Bonus air miles can be used for discounted stay at certain hotels and priority service, among other things.


• Review reward system: Typically, one can earn bonus air miles on booking their flight tickets using the card. Some lenders also allow you to convert accumulated reward points into air miles. Regularly review your credit card’s reward program to capitalise on new opportunities or changes made to the reward system.


• Activate card before journey: Before embarking on your travel journey, it is important to ensure that your card is activated for the right services. Many credit cards offer lounge access programs like Priority Pass or Visa Lounge Access. Activating this membership is important for a hassle free journey.


• Plan travel strategically: In case of connected flight journeys, flyers should check in advance about the lounges that are available at the departure and connecting airports. Before the journey, it is advisable to confirm the lounge accessibility in advance. This can be done through relevant program apps or card’s online portal. One may also contact customer services to seek the information.


• Understanding extra charges: Most cards charge extra for guest entries. Unenrolled cards also may incur extra charges. It is recommended to always check your card's terms and conditions.

If you are looking to get a comfortable travel experience or switching to a better lounge-access credit card, Moneycontrol could be your go-to place. You can apply for credit cards with lounge access and attractive travel benefits from multiple card issuers through the Moneycontrol app and website. The entirely digital process ensures a quick approval. The best part is that these cards come with no additional charges, like joining or annual fees.

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Look out for extra charges

Lounge access isn’t always 100% free. Here’s where you may be charged:

• Exceeding free visit limits: Once your quota is used up, you will be billed for each extra visit.


• Bringing a guest: Most cards allow only the cardholder. Guests are usually charged per visit.


• Unenrolled services: If your card has lounge benefits via a third-party like Dreamfolks but you haven't activated it, access may be denied or charged.


• Premium services: Some lounges offer spa, alcohol, or shower services at extra cost, even if entry is free.

Lounge access via your credit card is a real money-saver and comfort booster. From a quick bite to a peaceful work zone, you will appreciate the quiet luxury that comes with it. But like all good things, it comes with fine print. Know your eligibility, track your usage, and use it wisely.

And if you are planning to upgrade your credit card for more convenient travel and lounge access at airports, Moneycontrol offers several suitable options. Moneycontrol, in partnership with leading card issuers, offers access to lounge access credit cards through its app and website.  You can choose the best travel credit card with lounge access at no additional cost. The 100% paperless application process also ensures quick approval.