In 2026, while many "Platinum" branded cards offer lounge access, it is not a universal feature. The "Platinum" label is often used by banks as a marketing tier rather than a guarantee of specific luxury perks. Premium cards like the American Express Platinum or the Chase Sapphire Reserve provide extensive global lounge access through programs like the Centurion Lounge or Priority Pass. However, many mid-tier or entry-level "Platinum" cards from major banks may only offer a limited number of complimentary domestic visits per year, or none at all, focusing instead on lower interest rates or cash-back rewards. As of early 2026, several major issuers have actually tightened lounge access rules, requiring a minimum monthly spend (often around ₹10,000 to ₹15,000 or $500) to "unlock" the complimentary visits for the following month. Always check your specific card’s "Terms and Benefits" page, as a "Platinum" card from one bank might offer unlimited global access, while another might charge you a full guest fee for every single entry.