You may have been chasing credit cards to get that one complimentary airport lounge access when the answer might have been sitting in your wallet – your debit card. Yes, you read that right! While credit cards have long been associated with free airport lounge access, very less people even check their debit card which also offer multiple free lounge services.
What’s even more interesting is that many such cards have a very less minimum spend criteria while many don’t even have such a restriction. All you need to do is check the cards stacked up in your wallets.
Do debit cards really offer lounge access?
The simple answer is yes. But at the same time, it must be mentioned that not all debit cards offer airport lounge access. Some might even offer lesser perks than compared to what credit cards do. Unlike credit cards, debit card lounge access is often restricted to domestic airports, however, some banks do offer international access as well.
Debit cards mostly offer the complimentary lounge visits to the primary cardholders only. Here, ET Wealth Online has collated 7 debit cards with complimentary airport lounge access, some without any minimum spend criteria while a few with a quarterly spend limit of up to Rs 10,000.
If you are looking for credit cards with complimentary airport lounge access without any minimum spend criteria in 2026, check out this article:
Debit cards with airport lounge access: Minimum spend criteria up to Rs 10,000
ICICI Coral Plus Debit Card
ICICI Coral Plus Debit Card lounge access: This card offers up to 12 domestic airport lounge visits every year i.e. 4 per quarter. However, to avail the same, you would need to spend minimum Rs 10,000 in the preceding calendar quarter.
Joining fee: Rs 2,499 + GST
Annual Fee: Rs 2,499+GST
Further, this card also offers a discount of 25% upto Rs 250 on movie tickets purchased through BookMyShow and 25% upto Rs 100 on movie tickets purchased through INOX.
HDFC Millennia Debit Card
HDFC Millennia Debit Card lounge access: It offers 4 domestic airport lounge visits per year i.e. 1 visit per quarter. To unlock this benefit, users will need to spend a minimum of Rs 10,000 in the previous quarter.
Annual Fee: Rs 500 + applicable taxes
This card offers 2.5% CashBack points on all online spends and 1% CashBack points on all offline spends. Users can get up to Rs 4,800 CashBack every year.
HDFC Platinum Debit Card
HDFC Platinum Debit Card lounge access: As part of its travel benefits, this card offers 2 complimentary domestic airport lounge access at select locations. This perk is subject a minimum spend of Rs 10,000 in a quarter.
Annual fee: Rs 850 + taxes
Additionally, it offers 5% discount on Swiggy up to 150 cashback points per calendar month, and 25% discount on tickets booked through BookMyShow up to 250 cashback points per calendar month.
PNB RuPay Select Debit Card
PNB RuPay Select Debit Card lounge access: It offers cardholders 1 domestic airport lounge access in current quarter in any of the participating domestic airport lounges on spending minimum of Rs 5000 through POS/E-com in last quarter.
International lounge program offers access to cardholders 2 times per calendar year per card.
Starting April 1, 2026, Punjab National Bank discontinued the complimentary airport lounge access for all RuPay Platinum Debit Cards. PNB debit card holders now need to spend minimum Rs 5000 in POS/E-com in a quarter to enjoy complimentary domestic airport lounge access in the next quarter.
Issuance Charge: Rs 500
Annual Charge: Rs 750
Moreover, this card offers 1 complimentary 30 days free offline gym membership every quarter, 1 complimentary Golf lesson or round every quarter, along with a complimentary premium health check-up package every quarter.
Debit cards with airport lounge access without any minimum spend criteria
Bank of Baroda EaseMyTrip Debit Card
Bank of Baroda EaseMyTrip Debit Card lounge access: Dubbed as India’s first co-branded travel debit card issued by a public sector bank. This card offers 8 complimentary domestic airport lounge access (2 per quarter) every year, while 2 complimentary international airport lounge access per year.
Issuance fee: Rs 599 + Taxes
Annual fee: Rs 599 + Taxes
Apart from lounge access, this debit card also offers travel, hotel booking, and other perks like 10% instant discount maximum upto Rs 1,000 on domestic flights bookings, 15% instant discount maximum upto Rs 5,000 on domestic hotel bookings.
SBI Platinum International Debit Card
SBI Platinum International Debit Card lounge access: Issued through RuPay, Visa and MasterCard, these cards offer complimentary domestic airport lounge access. The number of visits is as per the terms & conditions listed by the card network (RuPay, MasterCard, VISA).
Issuance Charge: Rs 300 + GST
Annual Charge: Rs 325 + GST
It also offers 2 Reward Points per Rs 200 spent online or in-store, on shopping, dining out, fuel, travel and more. The bonus is doubled on your birthday.
IDFC First Bank Visa Signature Debit Card
IDFC First Bank Visa Signature Debit Card lounge access: This card offers 2 complimentary access every calendar quarter i.e. 8 every year.
While there is no minimum spend criteria set by the bank on this card variant, users will only be able to avail the complimentary lounge service if you maintain the required Average Monthly Balance (AMB) in your account for all 3 months of the previous quarter.
