🕒 Last updated on: October 28, 2025
Our 5 Best Lifetime Free Credit Cards with Lounge Access in India!
We all love the comfort of lounge while travelling, but who wants to pay an annual fee for it?
This guide reveals the 5 best lifetime free credit cards that offer complimentary lounge access. We’ve done the research to help you find the perfect card for your travel needs, without any annual charges. Get ready to elevate your journey—for free.
Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience.
List of The 5 Best Lifetime Free Credit Cards with Lounge Access:
Key Features:
- 8 Domestic & 4 International Lounge Access
- 10% Valueback on Shopping (Neu App)
- 5% Valueback on Recharge and Bills
- 20% Valueback during PayDay Sale
- 1.5% Cashback on Neu UPI (RuPay Variant)
- You may get LTF (Annual Fees: 1499 + GST)
- Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid)
- 2 Domestic and 1 International Lounge Access are offered every quarter on spending minimum Rs 50,000 in the last quarter.
- Milestone Benefits are often offered by HDFC
- NeuPass Rewards Program (Often ran during TATA IPL)
- 1.5% Cashback on EMI spends at TATA Brands
- Joining Fees: 0 & Annual Fees: Rs 1499
- 1% Fuel Surcharge Waiver
#If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees.
Pros:
- You may get it as Lifetime Free Credit Card
- Best Valueback on TATA Brands (especially spends through TATA Neu App)
- Best Valueback on Utilities Payment
- Payments through UPI and Cashback on it
Cons:
- You may not get it as Lifetime Free Credit Card
- Railway Lounge Access is not offered
- No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more)
Key Features:
- Lifetime Free Credit Card
- 2 Domestic Lounge Access per Quarter
- 2 International Lounge Access per Year
- No minimum spend required for Lounge
- One Complimentary Movie Ticket up to Rs 500, available once every 6 months
- 1 Complimentary Golf game per quarter
- Up to 6 Accelerated RPs for every Rs 100 spent
Pros:
- Offers both Domestic and International Lounge Access
- No minimum spend requirement for Lounge
- Lifetime free
- Complimentary Movie Tickets offered
Cons:
- Railway Lounge Access is not available
- No online shopping benefits
- No benefit on payment of Utilities
Key Features:
- Lifetime Free Credit Card
- 4 Railway Lounge Access every quarter
- 2 Domestic Airport Lounge every quarter
- Welcome Benefit: 500 on spend of 15,000
- B1G1 movie ticket offer, twice every month
- 5% cashback on your first EMI transaction (within first 90 days)
- 10X reward points on all transactions you make on your birthday
- 15% off at 3,000 plus health and wellness outlets
- Enjoy free Road Side Assistance (RSA) of up to Rs.1,399
Pros:
- Only Lifetime Free Card also offering Railway Lounge Access
- Welcome Benefit of Rs 500 on a spend of Rs 15,000
Cons:
- No International Lounge Access Offered
- Does not offer good Valueback on online/offline shopping
- Does not offer valueback on Utility payments
Key Features:
- Lifetime Free Credit Card
- 2 Domestic Lounge per Quarter
- 1 International Lounge per year
- 8 Railway lounge access visits per year
- Lounge available on minimum spending of Rs 20,000/Quarter
- 5% reward points on all online spends
- Rs 1000 Ixigo money on first transaction within first 30 days
- Zero Forex Markup Fee
Pros:
- Great Valueback offered under the Around You offer segment
- Lifetime free card
- Get it against FD if not credit history
- Occasional Exclusive Deals are offered
- Enhanced security through app based transaction approvals and card control
Cons:
- Milestone based lounge access
- Does not offer valueback on Utility payments
Key Features:
- Lifetime Free Travel Card
- Unlimited domestic lounge, complimentary dining, shopping or spa (Milestone-based)
- 10% reward on online & offline spend
- Zero forex markup on all international transactions
- Unlimited Airport benefits are offered on spending ₹10,000 on VISA or ₹15,000 on Rupay card every month.
Pros:
- Just a Lifetime Free Travel Credit Card
Cons:
- No good Valueback on other spends
- No valueback on Utilities payments
- No International Airport or Railway lounge benefits
Cult Comparison Table
Comparing: 5 Best Lifetime Free Credit Cards with Lounge Access
Credit Cult Conclusion
Among them the HDFC Tata Neu Infinity Credit Card stands out offering not just travel benefits but 10% value back on spends within Tata Neu App. But if, you are looking a credit card best for travel and lounge Needs then AU Ixigo Credit Card stands out covering all the aspects of travel benefits.
In conclusion, while all the 5 credit cards offer enough free lounge access, your ideal choice depends entirely on your spending habits and travel style. Whether you want an all-rounder like Tata Neu Infinity Credit Card or a credit card offering all lounges in one like AU Ixigo Credit Card.
Remember to use the card responsibly and pay off your balance in full each month to avoid interest charges. Happy spending!
Hey Readers,
We hope you liked our detailed comparison of the 5 Best Lifetime Free Credit Cards with Lounge Access in India and found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. For additional insights, don’t miss our exclusive post where we reveal the best credit card in India that offers railway lounge access.
Happy reading, and enjoy your journey with the right credit card!
– Saurabh, Credit Cult
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