06 February, 2026 | 17:19 IST
Whether you're a frequent flyer or someone who takes the occasional train trip, having the right travel credit card can make your journey much better. From lounge access to reward points, travel credit cards in India are tailored to make your transit more comfortable and rewarding. With options ranging from railway lounge entries to international airport lounge access, choosing the best travel credit card is crucial for any avid traveller.
Let’s explore some of the best travel credit cards that come with airport and railway lounge perks. But before that, let’s find out what factors you should consider before signing up.
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What To Consider Before Choosing A Travel Credit Card
Before applying for a travel credit card in India, it is essential to evaluate your travel patterns and spending habits. Here are some factors to consider:
Lounge access needs: Determine whether you require domestic, international or railway lounge access. Cards differ in their offerings, and choosing one aligned with your travel frequency can save you money.
Travel credit card charges: Check the joining and renewal fees. Some cards waive off renewal fees if you meet the annual spending requirement, which is a plus for high spenders.
Travel credit card limit: The credit limit should be suitable for your travel and lifestyle expenses. A higher limit is beneficial for booking flights, accommodation and more.
Associated rewards and benefits: Some cards offer travel-specific rewards like air miles, discounts on bookings and exclusive partner deals.
If you’re planning to explore travel credit cards with perks like lounge access, the Moneycontrol app and website offer a range of options. In partnership with top banks and NBFCs, Moneycontrol provides access to cards that come with various rewards and benefits. The best part is you can apply for these lifetime free credit cards through a simple and paperless application process.
5 Travel Credit Cards With Airport Lounge Perks
1) SBI Card Miles Elite
This card includes a complimentary Priority Pass membership, giving access to over 1,000 international lounges. Cardholders are entitled to six complimentary international lounge visits annually (limited to two per quarter), along with eight complimentary domestic lounge visits. The card has a joining and renewal fee of Rs 4,999.
2) HDFC Regalia Gold Credit Card
This card entitles users to six free international airport lounge visits and 12 domestic airport lounge visits annually. It is suitable for both domestic flyers and those who occasionally travel abroad. The card charges a joining and renewal fee of Rs 2,500.
3) Axis Bank SELECT Credit Card
Designed for high-frequency travellers, this card provides access to up to 12 international and eight domestic airport lounges per year. It has a joining fee of Rs 3,000 and offers strong value for those who often travel internationally.
4) Ixigo AU Credit Card
This is a lifetime free travel credit card that offers 16 complimentary domestic airport and railway lounge visits per year. It also provides one complimentary international lounge access annually, making it a valuable option for budget-conscious travellers.
5) HDFC Bank Tata Neu Infinity Credit Card
With a joining and renewal fee of Rs 1,499 plus taxes, this card provides eight complimentary domestic and four international airport lounge visits each year.
Get top 0 annual fees credit cards
1) MakeMyTrip ICICI Bank Signature Credit Card
Cardholders get one complimentary railway lounge access per quarter at select executive lounges in India, including those in Delhi, Agra, Jaipur, Ahmedabad, Madurai and Kolkata (Sealdah). It has a joining fee of Rs 2,500 plus GST, with no annual fee.
2) ICICI Bank Coral Credit Card
This card offers access to executive railway lounges in various cities. The joining fee is Rs 500 plus GST, and the annual fee is waived if the user spends Rs 1.5 lakh or more in the previous year.
3) IRCTC SBI Platinum Card
With this card, you can access railway lounges four times a year (once per quarter). Cardholders need to swipe their card at the lounge to avail of the benefit. It comes with a one-time annual fee of Rs 500 plus taxes and the same as a yearly renewal fee.
4) IRCTC HDFC Bank Credit Card
This card offers eight complimentary lounge accesses per year (two per quarter) to select IRCTC Executive Lounges. The joining and renewal fee is Rs 500 plus applicable taxes. The renewal fee is waived if you spend Rs 1.5 lakh or more in a year.
5) IRCTC RuPay BOBCARD
Offering four complimentary railway lounge visits annually (one per quarter), this card is valid at stations such as Agra Cantonment, Jaipur, New Delhi, Kalupur (Ahmedabad), and Sealdah (Kolkata). It comes with a joining fee of Rs 500 and an annual fee of Rs 350.
Travel credit cards in India come with a wide range of perks tailored to improve your journey. Whether you prioritise airport lounge access, railway lounge comfort or value-added travel credit card offers, choosing the right card depends on your travel habits and financial needs.
To make the most of your spending, consider checking out the credit card options available on the Moneycontrol app and website. With offerings from leading banks and NBFCs, you can apply for cards that provide online shopping deals, OTT subscriptions and travel perks.
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