Frequently Asked Questions - Airport Lounge Access
1. Which cards offer lounge access?
Federal Bank offers complimentary lounge access based on quarterly spends on:
- Signet (Visa/Mastercard/RuPay)
- Imperio (Visa/Mastercard)
- Celesta (Visa/Mastercard)
2. What is the eligibility criteria?
Lounge access is now linked to quarterly spending:
Card Variant |
Spend Required (per quarter) |
Access |
Signet |
₹20,000 |
1 domestic lounge visit |
Imperio |
₹40,000 |
2 domestic lounge visits |
Celesta |
₹60,000 |
2 domestic (basis on spends criteria) + 2 international visits/year (without spends criteria) |
Only primary cardholders qualify. Add-on cardholders are not eligible.
3. How does the spend cycle work?
Spend Cycle |
Access Period |
21 Jun – 20 Sep |
01 Oct – 31 Dec |
21 Sep – 20 Dec |
01 Jan – 31 Mar |
21 Dec – 20 Mar |
01 Apr – 30 Jun |
21 Mar – 20 Jun |
01 Jul – 30 Sep |
Example: A Signet primary credit cardholder is spending Rs. 20000/- in between 21st Jun to 20th Sep, the customer will be eligible for 1 complimentary domestic lounge access in the next quarter i.e 1st Oct to 31st Dec.
4. What transactions don’t count?
Cash withdrawals, ATM transactions & Unsettled transactions billed outside the spend cycle.
5. How do I access a lounge?
a) Present your boarding pass
b) Swipe your eligible card at the lounge entrance
c) A nominal fee (₹2 for domestic) may be charged for validation which will be non- refundable whereas in case of international lounge access customers will be charged as per lounge charges and the same will be reimbursed within 30 days. After customers have exceeded the complimentary access, the applicable lounge access fee (plus taxes) will be charged to their account.
6. Can primary cardholder bring guest?
Yes, primary cardholder can bring guest at domestic/international lounge as per the applicable rates + taxes per visit for each guest.
7.Whether Add On holder be eligible for Lounge Benefits?
Add on Holders will not be eligible for Lounge Benefits from 1st Oct’25
8. Whether Add On holder spends be considered in spends criteria?
Yes, the spends done via Add on holder and Primary Credit Card will be considered as cumulative spends for availing the lounge benefit in next quarter. But the Add on cardholder will not be eligible for accessing Lounge Benefit.
Example- If a Signet customer is spending (21st Jun to 20th Sep) Rs. 5000 in Primary credit card and 15000 in Add on cardholder in a quarter, then the primary cardholder will only be eligible for 1 domestic lounge access in next quarter (1st oct- 31st Dec).
9. Whether there is a list of participating lounges?
Customer can check the list of participating lounges by visiting the below mentioned links:
Lounge Type |
Web Link |
Domestic |
https://www.federalbank.co.in/airport-lounge-access-program-domestic |
International |