Best ICICI Credit Cards with Airport Lounge Access: 2026 Comparison

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There are many ICICI credit cards to choose from to meet different customer needs. If getting complimentary lounge access is your priority you’ll need to research which is the best ICICI credit card for lounge access based on your preferences and income.

This guide covers some top choices to help you pick out the right fit for your specific needs. We'll also introduce you to the Wise Travel card, which allows you to hold 40+ currencies in on card and spend without any forex markups or hidden fees.

Table of Contents

What are ICICI credit cards with lounge access and how does it work? How to check lounge access on ICICI credit cards Key factors in choosing an ICICI credit card for lounge access Best ICICI Cards for Lounge Access: 2026 Comparison ICICI Sapphiro Credit Card ICICI Coral credit card ICICI Rubyx credit card Adani One ICICI Bank Platinum Credit Card Emeralde Credit Card MakeMyTrip ICICI Bank Credit Card Summary: ICICI credit card for lounge access Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees FAQs

What are ICICI credit cards with lounge access and how does it work?

ICICI credit cards with lounge access offer a fixed number of entries to selected airport lounges with no fee.

ICICI lists 16 different credit cards as good picks for customers who want to get lounge benefits.

The options vary a lot depending on the card you choose. You may only get access to domestic lounges - or you may be able to visit international locations as well. All but the most premium cards have a cap on the number of visits annually or quarterly, and there may also be various requirements including minimum spending.

Some ICICI cards simply allow you to show them at the lounge gate to get access - others require you to use a different pass issued by the bank, such as a Priority Pass which offers entry to a large network of lounges worldwide.

How to check lounge access on ICICI credit cards

You can see your card’s terms and conditions on the ICICI website, or log into the iMobile Pay App to learn more about what’s available. If you get stuck you can also call the bank to check the details for your specific card, and based on your spending patterns.

Key factors in choosing an ICICI credit card for lounge access

Getting an ICICI credit card for lounge access can make travel a bit more luxurious. But you’ll still need to think about the common fees that apply to your card, and whether there are additional benefits which make your card a great deal:

• Annual fees - some cards have a low charge - but this can be very high for premium products
• Foreign transaction fees - many ICICI cards have an extra charge for overseas spending of 3.5%
• Exchange rates - look out for markups on the rate used to convert overseas spending to INR for billing
• Other perks offered - some cards have extra rewards, cash back, discounts and premium perks like golf or movie privileges

Foreign transaction fees push up the costs of currency conversion and mean you spend more when you’re overseas. Instead of using your credit card when you travel, consider using an international debit card like the Wise Travel card instead. Wise offers interbank currency conversion and low, transparent fees which are often lower than spending abroad with your credit card.

Best ICICI Cards for Lounge Access: 2026 Comparison

Here’s a head to head of some of the best ICICI credit cards for lounge access - with more detail on each right after.

Card	Eligibility	Annual fee	Lounge access	Forex fee and rate	Other perks
ICICI Sapphiro Credit Card¹	Indian citizen over 21 Monthly income of 75,000 INR for salaried Annual income of 900,000 INR for self employed	3,500 INR	2 annual entries to international lounges, 4 annual entries to domestic lounges	3.5%	Welcome vouchers and rewards on spending, based on spend type
ICICI Coral credit card²	Application assessed based on income, credit history, payment track record of other loans and credit cards	500 INR	1 entry to a domestic lounge with 75,000 INR spend in the previous quarter	3.5%³	Discount on fuel surcharge, discounted movie tickets, reward earning opportunities
ICICI Rubyx credit card⁴	Indian citizen over 21 Monthly income of 75,000 INR for salaried Annual income of 900,000 INR for self employed	2,000 INR	2 quarterly entries to domestic airport lounges, 8 annual entries to railway lounges	3.5%	Welcome vouchers and rewards including 4 points per 100 INR spend overseas
Adani One ICICI Bank Platinum Credit Card⁵	Indian citizen over 21 Monthly income of 20,000 INR for salaried Annual income of 240,000 INR for self employed	750 INR	8 premium lounge upgrades annually	3.5%	4% cashback on iShop, valet parking and Premium car parking benefits
Emeralde Credit Card⁶	Indian citizen over 21 Monthly income of 150,000 INR for salaried Annual income of 1,800,000 INR for self employed	12,000 INR	Priority Pass Membership for unlimited local and overseas lounge entry within the network	2%	Complimentary golf, 6x to 12x reward points on iShop and rewards on your spending
MakeMyTrip ICICI Bank Credit Card⁷	Indian citizen over 21 Monthly income of 20,000 INR for salaried Annual income of 240,000 INR for self employed	999 INR	1 annual international lounge entry, and 2 domestic	0.99%	6 points per 100 INR spend on hotels, 3 on other travel bookings, and as much as 4% cashback on iShop

*Details correct at time of research - 5th February 2026

ICICI Sapphiro Credit Card

Best for: ICICI Sapphiro credit card lounge access offers up to 6 annual lounge entries as well as generous welcome offers

The ICICI Sapphiro Credit Card offers a mix of domestic and international lounge access when you travel, with other ways to be rewarded as you spend. Rewards focus on travel spending with 4 points per 100 INR when you’re overseas, 2 points on most domestic spending and 1 point for utilities and insurance spending.

Lounge access: 2 annual entries to international lounges, 4 annual entries to domestic lounges

Main features and fees:

• 3.5% foreign transaction fee
• Welcome vouchers from from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip & Tata Croma
• 6x to 12x rewards on iShop
• Up to 4 points per 100 INR spend when overseas, and 2 points on select domestic spend

ICICI Coral credit card

Best for: Low annual fee and one quarterly ICICI Coral credit card lounge access in India with minimum spend

The ICICI Coral credit card is a low cost card which offers limited access to domestic airport lounges based on meeting a quarterly spend of 75,000 INR or more. It has a low annual fee and so may appeal to people looking to reduce standing costs while earning rewards on card spending.

Lounge access: 1 entry to a domestic lounge with 75,000 INR spend in the previous quarter

Main features and fees:

• 500 INR annual fee
• 3.5% foreign transaction fee
• Discount on fuel surcharge and reward earning opportunities as you spend
• Up to 25% discount on movie tickets, twice a month

ICICI Rubyx credit card

Best for: ICICI Rubyx credit card lounge access includes domestic airport lounge entries and railway lounges - ideal for travel in India

The Rubyx card offering access to both airport and railway lounges. The airport access is subject to the standard quarterly spend requirement.

Lounge access: 2 quarterly entries to domestic airport lounges, 8 annual entries to railway lounges

Main features and fees:

• 2,000 INR annual fee, with an initial 3,000 INR joining fee
• 3.5% foreign transaction fee
• Welcome vouchers and rewards including 4 points per 100 INR spend overseas
• 6x to 12x reward points on iShop

Adani One ICICI Bank Platinum Credit Card

Best for: Frequent users of Adani airports, with extra rewards when you spend in the Adani One Ecosystem

If you fly from one of the 8 Adani airports regularly, this card may give you lounge access as well as earning you rewards as you travel. The Adani One ICICI Bank Platinum Credit Card earns you 3 points per 100 INR spent in the Adani One Ecosystem, 1.5 on overseas spending and 1 on domestic spending.

Lounge access: 8 premium lounge upgrades annually

Main features and fees:

• 750 INR annual fee
• 3.5% foreign transaction fee
• 4% cashback on iShop
• 2 valet parking and 2 premium car parking benefits annually

Emeralde Credit Card

Best for: High earning customers looking for a premium card with unlimited lounge perks and other lifestyle benefits

The Emeralde Credit Card is a premium card which offers Priority Pass Membership to allow customers to use the network of 1,400+ lounges in 145+ countries worldwide. The longer option is for the primary cardholder only, and high minimum income requirements and annual fees apply.

Lounge access: Priority Pass Membership for unlimited local and overseas lounge entry within the network

Main features and fees:

• 12,000 INR annual fee
• 2% foreign transaction fee
• Complimentary golf up to 4 rounds a month depending on spend
• 6x to 12x reward points on iShop and rewards on your spending

MakeMyTrip ICICI Bank Credit Card

Best for: Low annual fees with good reward earning on travel bookings and 3 lounge entries annually

The MakeMyTrip ICICI Bank Credit Card doesn’t offer a huge number of entries into airport lounges - but it could still be a solid choice for earning rewards on travel bookings including hotels, flights and buses. You’ll also get a low annual fee and one of the lowest forex fees from ICICI at 0.99%.

Lounge access: 1 annual international lounge entry, and 2 domestic

Main features and fees:

• 999 INR annual fee
• Low 0.99% foreign transaction fee
• 6 points per 100 INR spend on hotels, 3 on other travel bookings
• Get as much as 4% cashback on iShop

Summary: ICICI credit card for lounge access

There’s an excellent choice of ICICI credit cards for lounge access depending on your income and preferences. Some have premium perks and higher fees and minimum income requirements, while others are more accessible and can offer some nice features for travel without steep annual charges. Weigh up a few different options to decide which is the right one for you - and enjoy getting time to relax in the lounge the next time you travel.

It is also worth considering a companion card to optimise your international costs. While credit cards are great for perks like lounge access, they often charge foreign transaction fees and uses marked up exchange rates. To avoid this, you can bring along a Wise Travel card. It allows you to spend abroad at the interbank rate with no markups, effectively cutting the hidden costs of your international spending while you save your credit card for your lounge access.

Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees

With no hidden markups, the Wise Travel card is a smart way to spend abroad. You'll always get the real interbank exchange rate for conversions across 40+ currencies. Wise's transparent, low pricing, plus no foreign transaction fees or forex markups, usually means you are getting the best value for your money.

The fully digital account opening and vKYC process allows you to sign up from the comfort of your home, and there are no annual or monthly fees either. Simply order your card, show proof of your travels, load your funds, and you're all set. Plus - card orders are currently free to Indian addresses (limited time launch offer, while stocks last)! A physical Wise card enables you to make secure chip and PIN payments and get some free ATM withdrawals while you're overseas. You can also instantly freeze or unfreeze your card in the app anytime for peace of mind.

Wherever your travels take you, the Wise Travel card is the only forex card you'll need to make spending internationally simpler and cheaper.

🚀 Get a free Wise Travel card

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FAQs

Does ICICI Platinum credit card have lounge access?

No. There’s no ICICI Platinum credit card lounge access with a standard card, but the Adani One ICICI Bank Platinum Credit Card does have lounge privileges if you’d prefer.

Does ICICI Amazon credit card have lounge access?

No. There’s no ICICI Amazon credit card⁸ lounge access, but this card does offer up to 5% rewards on spending with no annual fee.

Which ICICI debit card has lounge access?

Many ICICI debit cards offer 2 domestic lounge access tickets per quarter, subject to a 10,000 INR quarterly spend. Double check your specific card details to see if yours is eligible.

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Sources:

1. ICICI Sapphiro Credit Card
2. ICICI Coral credit card
3. ICICI Card fee sheet
4. ICICI Rubyx credit card
5. Adani One ICICI Bank Platinum Credit Card
6. Emeralde Credit Card
7. MakeMyTrip ICICI Bank Credit Card
8. ICICI Amazon credit card