When it comes to credit cards, one of the most sought-after features by Indian travelers is complimentary airport lounge access—without the burden of annual or joining fees. Luckily, several banks offer lifetime free credit cards that provide valuable travel perks, including lounge visits.
In this post, we list the Top 10 Lifetime Free Credit Cards in India that not only come with zero annual or joining fees but also offer complimentary lounge access either directly or through simple monthly spending.
💡 Tip: Apply for multiple cards from the list—this increases your chances of approval so you can get started with at least one free card offering lounge benefits.
🧳 Top Lifetime Free Credit Cards in India with Lounge Access – As on May 2025
Note : You must check offers before final application process and confirm the lifetime free offer since these offers generally limited to specific offer period
| Credit Card | Lounge Access | Apply Here |
|---|---|---|
| All Below are Lifetime FREE Credit Card | No Joining/Annual Fees | ||
| 1. Federal Bank Scapia Credit Card | Unlimited domestic lounge access by spending ₹10,000/month | Apply Now |
| 2. Axis Privilege Credit Card | 2 domestic lounges/quarter with ₹50,000 spend in last 3 months | Apply Now |
| 3. IndusInd Legend Credit Card | Priority Pass Membership | Apply Now |
| 4. HSBC Platinum Credit Card | Limited lounge access offers from time to time | Apply Now |
| 5. IndusInd Platinum Credit Card | May include domestic lounge offers depending on promotions | Apply Now |
| 6. IndusInd Platinum Aura Edge | Occasional domestic lounge access via Visa/Mastercard network | Apply Now |
| 7. AU Bank LIT Credit Card | Lounge access customizable via AU 0101 app (additional charges applied) | Apply Now |
| 8. Yes Bank Pop-Club Credit Card | May include domestic lounge benefits via Mastercard | Apply Now |
💳 Why Choose Lifetime Free Cards with Lounge Access?
✅ No Hidden Costs: Zero joining or renewal charges.
✈️ Lounge Comforts: Access airport lounges with Wi-Fi, snacks, and more.
🧾 Easy Eligibility: Most cards require simple KYC and moderate credit score.
💡 Spending Rewards: Earn cashback or reward points alongside travel benefits.
📝 Final Tips
Always read the terms and conditions of the lounge access (some require minimum monthly/quarterly spends).
Keep your card active to avoid banks discontinuing it.
Check for Mastercard/Visa/RuPay lounge partnerships, as access sometimes depends on the network rather than the bank itself.
✅ Pro Tip: If you’re starting out, go for the Scapia Credit Card or Axis Privilege Card—they offer the best lounge access flexibility.
Apply now and enjoy the perks of lounge luxury without paying a rupee in annual fees. Feel free to share this post with friends or family who love to travel smart!
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