Most frequent flyers need the luxury of airport lounges. Airport lounges are tranquil environments with complimentary food, beverages, Wi-Fi, comfort, and additional amenities.
One simple manner in which to acquire these advantages is by having an airport lounge access credit card. However, this is not available for everyone. There are certain requirements that qualify you for one.
What Is an Airport Lounge Access Credit Card?
An airport lounge access credit card permits you to visit some airport lounges free or at a reduced rate. The cards are usually provided by banks or credit card issuers in association with airlines or lounge networks. Some cards provide unlimited access, while others permit a limited number of complimentary visits within a year. Access can also be based on the card type (Visa, MasterCard, etc) and the airport location.
You get benefits like:
- Comfortable seating
- Free food and drinks
- High-speed Wi-Fi
- Charging stations
- Clean bathrooms and showers (in some lounges)
- Quiet atmosphere to sleep or work
Eligibility Criteria for Lounge Access Credit Cards
Not everyone can obtain an airport lounge access credit card. There are some requirements set by credit card issuers and banks that you have to fulfil. The following are the key factors regarding eligibility:
1. Age Requirement
Most banks require the main credit cardholder to be at least 18 years old. In other situations, you might require being 21 or above, particularly for elite lounge access cards.
2. Income Level
Most lounge access cards are premium cards with higher income thresholds. The bank will ensure that you can manage your credit responsibly.
- For basic cards with restricted lounge visits: A Monthly income of INR 20,000–30,000 might suffice.
- Premium cards with unlimited access to the lounge might need a monthly income of INR 75,000 or above.
Banks can request proof of income. You can show them salary slips, bank statements, or income tax returns.
3. Credit Score
Your credit score indicates how reliable you are with credit. The higher the score, the better your chances of approval.
- The minimum required score is typically 700 or higher.
- For premium cards, banks might like a score of 750 or higher.
If you have no credit history, the bank will provide a secured credit card, but it is unlikely to have lounge benefits.
4. Employment Status
Salaried and self-employed people can apply. The bank might have varying income requirements based on your type of job. Some cards are also available to professionals such as doctors, CAs, or businessmen.
5. Location and City Tier
Some banks provide lounge access cards for specific metro or Tier-1 cities only. The benefits and charges can also differ based on location. Always refer to the list of eligible airports and lounges before applying.
6. Existing Relationship With the Bank
If you have an existing savings account or loan with the bank, your chances of approval are better. Some banks provide special lounge access cards to their loyal customers.
7. Other Factors
Banks also look at:
- Your payment history
- Existing loans or EMIs
- Number of existing credit cards
- If you already have several cards and pending dues, your application can be rejected.
Tips Before Applying
- Compare various cards and their lounge privileges.
- Verify if the card offers domestic, international, or both access.
- Read the small print—some cards need a minimum spending to become eligible for lounge access.
- Look at the annual fee and renewal fees.
Conclusion
Obtaining an airport lounge access credit card is a worthwhile option if you travel often and want to make your time at the airport more comfortable. However, you must be eligible based on age-related, income-based, credit score-based, and other requirements. By knowing those requirements, you can select an appropriate card and enhance your chances of approval. Always choose a card that suits your financial background so that you can enjoy the benefits without stress.