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What should I look for when choosing a Premium credit card with lounge access?

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Ruchikajain
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Ruchikajain
Asked: May 25, 20262026-05-25T18:31:45+05:30 2026-05-25T18:31:45+05:30In: Credit Cards

What should I look for when choosing a Premium credit card with lounge access?

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I’ve been exploring the Times Black Credit Card lately, mainly because of the travel and lounge access benefits people keep talking about.

The unlimited domestic + international lounge access sounds great on paper, and I also noticed they offer access to premium lounges like Xenia, which caught my attention.

For people already using the card, what has your experience been like?
Is the annual fee justified through travel, rewards, and lifestyle benefits?
Also curious about how smooth the lounge access experience has been during frequent travel.

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