IndusInd Credit Cards Domestic Lounge Access Devaluation from 1 April 2026
IndusInd Bank has revised the domestic airport lounge benefit on select credit cards such as Indulge, Solitaire, Crest, Legacy, Pinnacle and Celesta. From 1 April 2026, cardholders will need to meet a quarterly spending requirement to continue enjoying complimentary lounge benefits.
What Exactly Is Changing?
Until now, eligible cardholders received fixed complimentary lounge visits every quarter.
Under the new structure, you will need to meet a minimum spend requirement in one quarter to unlock lounge access for the next quarter.
From April 2026:
Lounge access will be linked to a quarterly spend requirement.
Spends will start being tracked from April–June 2026 (Q1 FY 26–27).
Spend-based lounge access will apply from July–September 2026 (Q2) onwards.
In simple terms:
Cardholders can continue using lounge access normally in April–June 2026.
To get lounge access between July–September 2026, you must meet the required spend between April–June 2026.
The same rolling structure will continue for every subsequent quarter.
If the required spend is not met in a quarter, complimentary lounge access will not be provided in the following quarter.
Spend Requirement & Lounge Visits Per Quarter
The revised structure is as follows:
Card Variant | Quarterly Spend Required | Lounge Visits Per Quarter |
Indulge | ₹5,00,000 | 6 visits |
Solitaire | ₹5,00,000 | 4 visits |
Crest | ₹5,00,000 | 2 visits |
Legacy | ₹1,50,000 | 1 visit |
Pinnacle | ₹1,50,000 | 1 visit |
Celesta | ₹1,50,000 | Unlimited visits |
Example
If you hold the Legacy card, you must spend ₹1,50,000 between April–June 2026 to unlock 1 lounge visit between July September 2026.
How Spends Will Be Calculated
IndusInd Bank has clarified the following:
Only settled transactions from the previous 3 calendar months will be counted.
Spends will be calculated net of reversals (refunds/cancellations excluded).
For newly issued cards, the previous quarter spend rule will apply.
In case of card upgrade, eligibility will be based on the new card variant.
If spend criteria is not met, lounge access will not be extended.
Cardholders can track eligible spends through billed transactions available on Net Banking or the IndusInd Mobile Banking App.
What This Means for Cardholders
This change makes lounge access dependent on consistent quarterly spending. High spenders may not feel a major impact. However, for users who kept the card mainly for lounge visits and did limited spending on it, this is a noticeable tightening of benefits. You will now need to plan and track your quarterly spends carefully to continue enjoying lounge access.
Other Credit Cards Undergoing Devaluation
At SaveSage, we regularly track such credit card changes and devaluations so you stay updated and can make smarter decisions about which credit cards truly deserve your spending.
As more issuers move to spend linked models, knowing these rules early helps you plan your credit card usage smarter and protect your travel benefits.
Several popular credit cards are scheduled to undergo devaluation in the near future and few have already been devalued.
These devaluations have been explained comprehensively by SaveSage in these blogs:
Tracking all these credit card devaluations, coverage on offers and benefits may not be easy for all credit card holders. If you are one of those then you should try the SaveSage app.
This app acts like your personal finance assistant which provides recommendations on your credit card points and it makes sure that you get full advantage of your credit card rewards program and other loyalty programs.
