Why the Rules Are Changing
For years, complimentary lounge access was a key selling point for credit cards, even entry-level ones. This led to a massive surge in usage, especially post-pandemic, as travel rebounded. Lounges became overcrowded, and the costs for banks soared. Every
time you swiped your card for a 'free' visit, your bank was paying the lounge operator a fee, which has reportedly increased by over 60% in the last couple of years. This model became unsustainable. As a result, banks are now focusing on rewarding their high-spending customers, rather than subsidising a benefit for those who use their cards sparingly.
The New Gatekeeper: Minimum Spending
The most significant change is the introduction of minimum spending requirements. Simply holding a card that offers lounge access is no longer enough. Many banks now require you to spend a certain amount in the preceding quarter to unlock lounge benefits for the current quarter. For example, many HDFC Bank debit cards now require a quarterly spend of ₹10,000. Similarly, many ICICI Bank credit cards require a spend of ₹35,000 in a quarter to qualify for complimentary access in the next. Axis Bank has also implemented a spend criteria of ₹50,000 in the previous three months for domestic lounge access on many of its cards. These thresholds vary widely by bank and card type, making it crucial to know your specific card's rules.
Strategy 1: Consolidate Your Spends
If keeping your lounge access benefit is a priority, the most direct strategy is to meet the new spending criteria. Instead of spreading your expenses across multiple cards, focus on consolidating your regular monthly payments onto the one card you want to use for lounge access. This includes everything from groceries and utility bills to online shopping and dining. By channelling all your spending through a single card, you are more likely to hit the quarterly threshold without altering your overall budget. Set a calendar reminder to check your progress before the end of each quarter to ensure you meet the target.
Strategy 2: Audit and Upgrade Your Card
This is a good opportunity to review whether your current entry-level card still meets your needs. If you find it difficult to meet the new spending requirements, or if the number of lounge visits has been drastically reduced, it might be time for an upgrade. Mid-tier cards, while they may have a higher annual fee, often come with more generous lounge access benefits and lower spending thresholds. For example, some cards like the Axis Bank Privilege offer multiple visits without a spending gate. Do a cost-benefit analysis: would the annual fee of a new card be less than what you would pay for lounge access out-of-pocket? If you travel frequently, an upgrade can often pay for itself.
Strategy 3: Explore Co-Branded and Niche Cards
Don't overlook co-branded credit cards. While some, like the Airtel Axis Bank card, have removed lounge benefits, others continue to offer them. The HDFC Marriott Bonvoy Credit Card, for instance, provides 12 free domestic visits annually without a spending condition attached, though it has a joining fee. Also, keep an eye out for cards that are not from the biggest banks. Some cards may still offer complimentary access without stringent spending rules as a way to attract new customers. Always read the fine print, as these offers can change.
When All Else Fails: Alternative Options
If you can't meet the spending criteria and an upgrade doesn't make sense, you still have options. You can purchase one-time access directly at the lounge, though this can be expensive, often ranging from ₹1,500 to ₹3,000 per visit. Another option is a Priority Pass membership. While premium cards often bundle this, you can also buy a membership directly. The Prestige membership offers unlimited visits for an annual fee, which can be economical for very frequent travellers. Lastly, remember to always check your bank's app or website before heading to the airport. Lounge partnerships and rules are changing frequently, and what worked last month might not work today.
