HDFC Bank has revised its airport lounge access benefits for select debit cards, effective January 10, 2026.
The updated rules change how customers can enjoy complimentary lounge visits, making access dependent on card usage rather than just owning the card.
The move is designed to streamline the benefit and reward customers who actively use their debit cards.
What’s Changing and Who It Affects
Previously, holding certain HDFC debit cards automatically gave free airport lounge access.
Under the new rules, customers must now meet specific spending or transaction criteria to qualify. Simply having the card will no longer guarantee complimentary access.
This affects debit card holders who were used to automatic lounge benefits.
While most eligible cards may still offer complimentary visits, access will now depend on meeting revised conditions, such as minimum spends or a certain number of transactions.
How to Use Lounge Access Under the New Policy
To avail lounge benefits, customers must:
Spend a minimum amount on their debit card within a specified period, or
Complete a set number of transactions during the qualifying cycle
Once the criteria are met, lounge access can be enjoyed at participating domestic airport lounges through HDFC Bank’s partner network.
Cardholders are advised to check their card terms or contact customer support to understand the exact thresholds under the new policy.
Why HDFC Made These Changes
The updated rules reflect a global trend of linking perks to active engagement rather than entitlement.
By tying lounge benefits to card usage, HDFC Bank aims to:
Encourage customers to use their debit cards more frequently
Reward higher-engagement users
Ensure a fairer benefit structure aligned with actual value
This approach is becoming common among banks worldwide to make reward systems more sustainable and equitable.
What Cardholders Should Do
To continue enjoying lounge benefits smoothly, debit cardholders should:
Review the updated eligibility criteria for their card
Track transactions and spending to meet the required thresholds
Use the HDFC Bank app or portal to monitor lounge access
Contact customer care if unsure about their status
Being proactive will help avoid surprises at the airport and ensure uninterrupted access to lounges.
Final Thoughts
While some customers may find the changes inconvenient, regular card users who meet the revised conditions will continue to enjoy complimentary airport lounge access.
The update reflects a broader shift in the financial industry, rewarding active and engaged customers rather than card ownership alone.
