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Corporate Laws Central Ministry of Finance Payment and Settlement Systems Act, 2007

NPCI issues circular on Update on Lounge Access on Debit Cards

15-Dec-2025 | NPCI/2025-26/RuPay/045

NPCI has issued a circular on Update on Lounge Access on Debit Cards effective from 01st April 2026.

RuPay is shifting to a spend-based benefit model to encourage active card usage and ensure long-term sustainability. This change aligns with industry practice, as many banks have reduced or linked free lounge access to spending thresholds and following key changes will be implemented:
a. Platinum Debit Cards: From 1 April 2026, airport (domestic & international) and railway lounge access will be discontinued. Until 31 March 2026, lounge access on Platinum Debit Cards will remain spend-based under the Benefit Management System (BMS).
b. Select Debit Cards: From 1 April 2026, lounge access will be available only on a spend-based basis through BMS.
c. Feature Debit Cards (Platinum and Select): Banks may continue to offer lounge access as part of customized arrangements agreed with RuPay.

Member banks must review and update their RuPay debit card products in line with these changes. Banks are also required to communicate the changes clearly to customers.

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