The Golden Ticket is Getting Pricier
For years, complimentary lounge access was a standard feature on many credit cards, a simple swipe that signalled entry into a world of pre-flight comfort. But as passenger traffic surges and lounges become more crowded, banks are rethinking this open-door
policy. The economics no longer add up. Each visit costs the bank a significant fee, and they are now moving to ensure the benefit is reserved for their most active and valuable customers. Starting in 2026, several major banks and card networks have been tightening eligibility, moving away from simple card ownership to models that reward consistent spending.
Understanding the New Rules of Access
The most significant change is the shift to a spend-based model. Where cardholders once had a set number of complimentary visits per quarter or year, many now need to meet a minimum spending threshold in the previous quarter to unlock the benefit. For instance, some popular cards now require spends of ₹50,000 or more in the preceding three months to grant lounge access. Some cards have removed the perk entirely, especially at the entry-level. This 'earn-to-enter' system means that simply having a premium-branded card is no longer enough; you have to actively use it for retail and other expenses to maintain your privileges.
Becoming a Strategic Spender
Faced with these new hurdles, young professionals are not giving up their favourite travel perk. Instead, they are getting smarter. The key is to consolidate spending onto the primary travel card to ensure the quarterly targets are met. This involves channelling all possible expenses, from utility bills and rent payments to groceries and online shopping, through that one card. Another popular strategy is to plan major purchases—like electronics, furniture, or even annual insurance premiums—to align with the card's billing cycle, ensuring a spending spike that easily clears the threshold for the next quarter's access.
How to Optimise Your Wallet
To make this work, you need to be intentional. The first step is to review your card's updated terms and conditions. Check the exact spending requirement and the tracking period (e.g., calendar quarter vs. previous three months). Next, create a simple budget to see if your regular monthly expenses can naturally meet this target. If not, identify which larger, periodic payments can be timed strategically. Many are using apps to track their spending against these new goals. This conscious effort transforms the credit card from a simple payment tool into a managed asset for unlocking travel benefits. For those who travel frequently, this strategic approach ensures the lounge door remains open.
Is Your Card Still Working for You?
As banks continue to evolve their policies, it is also a good time to reassess whether your current credit card is still the right fit. If the spending threshold is consistently out of reach or if other perks have also been devalued, it might be time to explore other options. The market is competitive, with many cards still offering strong travel benefits, albeit with different conditions. Some cards might offer a lower spending threshold, while others might provide more visits for a similar spend. The savvy traveller now compares not just the rewards rate but the entire value proposition, including the all-important and increasingly conditional airport lounge access.
