iob_bank_loungefaq

Last Updated:07/02/2026
LoungeFAQ

Frequently Asked Questions (FAQ) - Spend-Based Airport Lounge Access on RuPay Platinum and RuPay Select Debit Cards

1. What is spend based Airport Lounge Access on RuPay Platinum and Rupay Select Debit Card?

Starting October 15, 2025, airport lounge access for RuPay Platinum and RuPay Select Debit Card holders will be based on the total amount spent using the card in the previous calendar quarter.

2. How much should I spend to avail Lounge Facility?

You should make a minimum spends of Rs. 5,000/- using your card in the previous quarter.

3. How many Lounge access do I get in a quarter?

You will get 1 complimentary visit on your card per quarter on any domestic airport or railway lounge.

4. Does the count mentioned above include Domestic and International Lounge both?

No, the spending requirement applies only to domestic lounge access. International lounge access remains unaffected.

5. From when is the rule effective?

This change is effective from 15.10.2025.

6. What is the lounge access period?

Lounge access shall be available for the period as mentioned in below table:

  Eligibility Period (Spends) Lounge Access Period

Cycle 1

1st July to 30th September

15th October to 14th January

Cycle 2

1st October to 31st December

15th January to 14th April

Cycle 3

1st January to 31st March

15th April to 14th July

Cycle 4

1st April to 30th June

15th July to 14th October

Unused benefits shall be lapsed once the lounge access period is over

7. Which cards are included in this spend-based lounge access scheme?

This scheme applies to RuPay Platinum and RuPay Select Debit Cards only.

8. What qualifies as a "spend"?

Domestic transactions made on e-commerce (ECOM) platforms and Point-of-Sale (POS) (including Contact and Contactless transaction) terminals using your card qualify as eligible spending after adjusting refunds, cashbacks and void transactions.

9. Is cash withdrawal included in calculating spends?

No, Cash Withdrawal transactions are not considered as "spends" on the card.

Rupay Card Lounge