Airport Lounge access on Debit Cards

Airport Lounge access on Debit Cards


  • Effective when, would my spend based lounge access facility on HDFC Bank Debit Card be applicable from? 

The spend based lounge facility on your HDFC Bank Debit Card will be applicable from 1st January, 2024. (Not applicable to Infiniti Debit Card holders)

  • Which lounges can I avail with my HDFC Bank Debit Card? 

You can avail entry at the following lounges using your HDFC Bank Debit Card, please note that the below list is subject to changes as per availability. 

HDFC Bank Lounge Program
StateCityLounge NameTerminal TypeTerminal
KarnatakaBangaloreBlr Domestic LoungeDomesticTerminal 1 
Tamil NaduChennai

Travel Club Lounge B

DomesticTerminal 1
Tamil NaduChennaiTravel Club Lounge ADomesticTerminal 1
Tamil NaduChennaiTravel Club LoungeInternationalTerminal 2
TelanganaHyderabadEncalm LoungeInternationalTerminal 1
TelanganaHyderabadEncalm loungeDomesticTerminal 1
West BengalKolkataTravel Club LoungeDomesticTerminal 1
MaharashtraMumbaiLoyalty LoungeInternationalTerminal 2
Maharashtra MumbaiAdani LoungeDomesticTerminal 2
DelhiNew DelhiEncalm LoungeInternationalTerminal 3
DelhiNew DelhiEncalm LoungeDomesticTerminal 3

*HDFC Bank Debit cards can only be used at Departure terminals only for lounge access

  • What is the new spend criteria for availing complimentary lounge facility? 

You will get complimentary lounge access in a calendar quarter only if you have spent a minimum of Rs. 5000 or more in the previous calendar quarter on your HDFC Bank Debit Card. 

Example: If you spend a minimum of Rs 5000 from October 2023 – December 2023, you can enjoy complimentary airport lounge access from January 2024 to March 2024 and so on. 

1. Number of complimentary lounge access in a quarter will be applicable as per your Debit Card offerings. 
2. We update spends data by the 8th of the first month of each new quarter.

How It Works:

- Early Quarter Access*: From the 1st to the 8th, we check your spends dated two quarters ago. After the 8th, your spends as of previous calendar quarter will be considered.


- For April’24 1st-8th: We look at what you spent from last October to December 2023.

- After April 8th: Your spends from January to March 2024 counts for lounge access.

*Same applies for all the upcoming calendar quarters

  • If I have made a cash withdrawal of Rs 5000 from an ATM will it be counted for a complimentary access? 

ATM withdrawals will not be counted as a spend. Only purchases made in-store or online using your HDFC Bank Debit Card will be considered as a valid spend. 

  • Do I need to spend Rs 5000 in a single transaction to be eligible for a complimentary access? 

You can spend Rs 5000 or more in a single transaction OR make multiple transactions aggregating to Rs 5000 or more, in store or online. Both the scenarios will be eligible. 

  • I’ve just opened an account with HDFC Bank and received my Debit Card, will I be eligible for complimentary lounge benefit? 

For newly onboarded customers, the feature will be available without any condition for the first two calendar quarters of account opening. 

Example: if you’ve opened your new account on 10th December 2023, you are eligible for complimentary lounge access till 31st March 2024. However, for the upcoming calendar quarter (April -June 2024) your complimentary lounge benefit will only be valid if you’ve spent Rs. 5000 or more from 1st January to 31st March 2024.  

  • If I have made a Gpay/Phonepe/Paytm or any other mobile wallet-based payments will that be considered for meeting the minimum spends criteria of Rs 5000 for availing the complimentary lounge feature.

No, the form factor for making the payments has to be debit card i.e. only POS/PG(E-com)/SI are the 3 types of transactions which are used for calculating spends by the customer in a cumulative quarter. The account-based or wallet-based transactions such as Gpay, Phonepe, Paytm etc. are not debit card payments.

  • I have made credit card bill payment /debit card EMI payments from my debit card ,will that be counted for meeting the spends criteria of Rs 5000.

The credit card bills and DC EMI are paid by accounts and are not going to be counted for customer meeting the criteria of Rs 5000 in a cumulative quarter.

  • Will there be any additional fees charged on lounge entry?

The lounge visit will be possible post transaction authentication with either Rs 2 or Rs 25 from VISA or MasterCard debit cards. Rs 2 Deducted are just an authentication fee, this is to verify that customer matches the eligibility criteria by the network, VISA as a network does not reverse the Rs 2 deducted as swiping charge whereas MasterCard does reverse the same, so that technicality of verification fee reversal is Network’s prerogative and can vary as per network policy.

  • General Information: 

- The access to the lounge will be available on a first come first serve basis. 

- Participating Lounges may reserve the right to enforce a maximum stay policy (usually 2 or 3 hours). This is at the discretion of the individual lounge operator who may impose a charge for extended stays 

- Each lounge follows its food offerings and child policy, please check with the lounge before entry 

- The provision of free alcoholic drinks (wherever local law permits) is at the discretion of each Participating Lounge operator and in some cases may be limited. Eligible customer should make prior inquiries before ordering any separate alcoholic drinks apart from general free flow offered and will be responsible for paying any charges for additional consumption direct to the participating lounge 

- Lounge staff has the right to terminate the lounge visit early or to refuse entry to any Customer who is intoxicated or behaving in a disorderly fashion or is otherwise in violation of the lounge conditions and for any statutory, regulatory, or airport/railways policy reasons including but not limited to health and safety policies or fire safety regulations

  • For more queries please connect with the channels mentioned below 

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