New Delhi, Aug. 20 -- Credit cards are no longer just a payment tool, with many offering rewards and travel-related benefits to customers. Among these, complimentary airport lounge access has emerged as a valuable perk, particularly for people who fly frequently.

Instead of waiting in busy airport terminals, eligible cardholders can use lounges to relax before boarding or during layovers, with facilities such as complimentary food and drinks, Wi-Fi and comfortable seating often available.

However, this benefit is becoming increasingly difficult to access for free. Banks are revising their credit card policies by setting minimum spending thresholds, limiting complimentary lounge visits and, in some cases, scrapping the facility altogethe...