Top Lifetime Free Credit Cards with Airport Lounge Access – 2025
Want free airport lounge access without paying an annual fee? These cards will give you luxury for less.
If you frequently travel for work, leisure, or study, airport lounge access can turn your wait time into comfort time. Thankfully, India’s top banks are now offering lifetime free credit cards with complimentary lounge access. In this guide, we’ll break down the best zero-fee cards with travel perks like domestic lounges, app rewards, and zero forex markup.
Benefits of Lifetime Free Lounge Access Credit Cards
- ✅ No annual or joining fee – forever
- ✅ Complimentary domestic lounge access
- ✅ Digital onboarding – no branch visits needed
- ✅ Useful for salaried employees, students, and freelancers
- ✅ Extra perks like cashback, travel rewards, OTT, and zero forex charges
Top Lifetime Free Credit Cards with Lounge Access – 2025 Picks
1. Federal Bank Scapia Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Unlimited domestic lounge access (milestone-based)
- 10% cashback on all spends via Scapia app
- Zero forex markup for international payments
- Best For: Travel lovers & online spenders
2. AU LIT Credit Card
- Annual Fee: ₹0
- Quarterly lounge access on activating travel feature
- Customizable perks – OTT, fuel, cashback, and more
- No income proof required for salaried users
- Best For: Young professionals & students
3. IDFC FIRST WOW Credit Card
- Annual Fee: ₹0 (Secured card)
- Free lounge access with ₹10,000 FD
- Unlimited cashback on all purchases
- No late fees or overlimit charges
- Best For: Students & new to credit users
Comparison Table – Lifetime Free Cards with Lounge Access
| Card | Annual Fee | Lounge Access | Best For |
|---|---|---|---|
| Scapia Credit Card | ₹0 | Unlimited (spend-based) | App spenders & frequent flyers |
| AU LIT Credit Card | ₹0 | Quarterly access (optional) | Custom reward users |
| IDFC WOW Credit Card | ₹0 (FD-based) | Via FD-linked upgrades | Beginners with no credit history |
Eligibility Criteria
- Age: 18 years and above
- Income: ₹15,000/month+ or active FD (₹10,000+)
- KYC: PAN and Aadhaar required
- Students & freelancers: Accepted by AU LIT and WOW Card
How to Apply?
- Click the 'Apply Now' link for your chosen card
- Enter your Aadhaar and PAN details
- Choose salaried, student, or self-employed as applicable
- Get digital approval in 3–5 minutes
FAQs – Lifetime Free Lounge Credit Cards
Which free credit card gives lounge access in India?
Federal Scapia and AU LIT cards both offer complimentary lounge access with zero annual fees.
Can students or new earners get these cards?
Yes! AU LIT and WOW cards approve users without income proof or high credit scores.
What is the best card with zero forex and travel perks?
Scapia is the best option for 2025. You get 10% cashback, lounge access, and zero forex markup.
How many times can I access lounges with these cards?
AU LIT offers access every quarter if activated. Scapia gives unlimited access with minimum spend.
Not sure which card fits you best? Use our Free Card Matcher Tool and get matched in seconds.
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