This Article was fact checked and last updated for accuracy on June 22, 2025 by Mani Karthik
TLDR: HDFC Infinia is still king if you can get it. DCB is 90% as good at lower cost. Everything else is a distant third.
Look, I’ve been in this game for 8 years. Tried every card, faced every devaluation. Let me save you from the marketing BS and tell you what actually matters for frequent flyers.
The Brutal Reality Check
Most “travel cards” in India are lifestyle cards dressed up with airport lounge stickers. If you’re actually flying 15+ times a year, you need three things:
- Unlimited lounge access (that actually works)
- Meaningful points on travel spending
- Elite-like benefits without the hassle
Only 3-4 cards deliver this.
The Champions (If You Can Get Them)
HDFC Infinia Credit Card
Annual Fee: ₹12,500
My Take: Still the gold standard. Period.
Why it dominates:
- Unlimited airport lounge access globally (1000+ lounges via Priority Pass)
- 3.33% return rate that actually delivers
- Global concierge service that’s worth using
- 1:1 redemption on SmartBuy without games
The catch: Invite-only. HDFC decides, not you. I waited 3 years.
Real world: I’ve used this in 23 countries. Never once denied lounge access. The concierge actually helped when flights got canceled in Bangkok.
HDFC Diners Club Black Credit Card
Annual Fee: ₹10,000
My Take: 90% of Infinia at 80% of the cost.
Why it works:
- Unlimited lounge access to 1000+ lounges globally
- 10,000 bonus points every quarter on ₹4 lakh spend
- Same 3.33% reward rate as Infinia
- Club Marriott, Amazon Prime, Times Prime memberships included
The problem: Diners Club acceptance. Some places still live in 2005.
Real experience: Delhi T3 domestic lounge rejected my DCB last month. Had to use Priority Pass backup. Embarrassing.
The Smart Alternatives
Axis Bank Atlas Credit Card
Annual Fee: ₹5,000
My Take: Best value for money in 2025.
What works:
- Up to 12 international and 18 domestic lounge visits annually
- EDGE Miles transferable to 20+ partners
- 5 EDGE Miles per ₹100 on travel bookings
- No co-brand restrictions
Reality check: Still a hot pick for 2024 & 2025 despite recent devaluation. The lounge cap hurts heavy travelers, but transfers make up for it.
American Express Platinum Travel Credit Card
Annual Fee: ₹3,500
My Take: Underrated gem for Taj loyalists.
Why I recommend it:
- Taj vouchers make it worth the fee alone
- Priority Pass included
- AmEx customer service actually cares
- Global acceptance improved dramatically
The downside: Lower reward rate on regular spending. But Taj stays are magical.
The Specialist Options
Emirates Skywards ICICI Bank Credit Card
Annual Fee: ₹3,000-₹5,000
For: Die-hard Emirates flyers
What you get:
- Up to 2.5 Skywards Miles on every spend
- Unlimited international lounge access
- Direct redemption with Emirates
My verdict: Only if Emirates is your religion. Otherwise, skip.
IndusInd Bank Avios Visa Infinite
Annual Fee: ₹2,500
For: Qatar/BA loyalists
The deal:
- Partnership with Qatar Airways and British Airways
- Up to 3% value-back on travel spends
- 8 domestic and 8 international lounge visits annually
Reality: Niche but solid for the right person.
Lounge Access Reality Check
Here’s what nobody tells you about lounge access:
Tier 1 (Unlimited):
- HDFC Infinia: ✅ Works everywhere
- DCB: ✅ Works 95% of places
- Amex Platinum Travel: ✅ Global coverage
Tier 2 (Capped but Generous):
- Axis Atlas: 12 international + 18 domestic
- SBI Prime: 8 domestic + 8 international
The Budget Option:
- Federal Bank Scapia: Unlimited domestic on ₹5,000 monthly spend
What the Marketing Won’t Tell You
Spending thresholds matter: Many cards now require minimum quarterly spending for lounge access. Read the fine print.
Priority Pass isn’t universal: Some lounges are always “full.” Delhi T1 domestic is notorious.
Add-on card benefits vary: Not all cards extend lounge access to add-on holders.
My Honest Recommendations
If you’re invited to Infinia: Take it. No questions.
If you’re not invited: DCB is your best bet. Yes, acceptance issues exist, but benefits outweigh the hassle.
If budget matters: Axis Atlas. Period.
If you’re starting out: HDFC Millennia with 4 lounge visits quarterly at ₹1,000 fee.
The Cards to Avoid
Air India SBI cards: Until Air India proves reliability post-merger.
Co-branded IndiGo cards: Too restrictive for true frequent flyers.
Most lifetime free cards: You get what you pay for. Lounges matter.
Pro Tips from 8 Years of Flying
- Always carry backup: I travel with DCB + Priority Pass physical card.
- Download lounge apps: LoungeKey and Priority Pass apps show real-time availability.
- Time matters: Arrive 2 hours early for international flights. Lounges get crowded.
- Family strategy: Premium cards extend benefits to add-on holders. Use them.
2025 Trends to Watch
- Spending-based access: More cards linking lounge visits to quarterly spending
- Digital integration: Apps replacing physical cards
- Capacity constraints: Popular lounges getting stricter
The Bottom Line
Don’t chase every new launch. Pick one ecosystem (HDFC or Axis), master it completely, then expand.
The best travel card is the one you can actually get and use consistently. I’ve seen people obsess over Infinia while ignoring perfectly good DCB offers.
Start where you can. Upgrade when you’re invited.
Disclaimer: Credit card benefits change faster than flight schedules. Always verify current terms before applying.