- You have heard of Complementary Airport Lounge access, it was the premium feature that many credit card providers like Tata Neu Credit card used to offer, but Now we have credit cards that offer free railway lounge access. If you are interested in Cashback Offers on credit cards checkout Best Cashback Credit Cards
- Gone are the days of battling noisy crowds and stale samosas while waiting for your train. The humble railway station has taken a luxurious turn, thanks to swanky lounges offering a haven of comfort and convenience. And even better, accessing these VIP sanctuaries can be yours for swiping with the right credit card.
- So, ditch the stress and elevate your next rail journey with the crème de la crème of credit cards boasting complimentary railway lounge access. Here’s our curated list of the top 10 Credit cards that offer free lounge access at top railway stations:
List of Railway Lounges in India
| City | Railway Station | Lounge Name | Platform | Google Maps Rating |
|---|---|---|---|---|
| Agra | Agra Cantt | IRCTC Executive Lounge | 1 | 2.1 |
| Ahmedabad | Ahmedabad | IRCTC Executive Lounge | – | – |
| Jaipur | Jaipur | IRCTC Executive Lounge | 1 | – |
| Madurai | Madurai | IRCTC Executive Lounge | – | – |
| New Delhi | Pahar Ganj | IRCTC Executive Lounge | 1 | 4 |
| New Delhi | Ajmeri Gate | IRCTC Executive Lounge | 16 | 3.6 |
| Varanasi | Varanasi Cantt | IRCTC Executive Lounge | – | – |
| Kolkata | Sealdah | IRCTC Executive Lounge | – | – |
Quick List of Credit Cards With Railway Lounge Access
| CREDIT CARD | COMPLIMENTARY RAILWAY LOUNGE VISITS/QUARTER | Apply Link |
|---|---|---|
| All IDFC First Bank Credit Cards | 4 | Apply IDFC Credit Card |
| IRCTC SBI Platinum Card | 1 | Apply SBI Credit Card |
| IRCTC SBI Card Premier | 2 | Apply SBI Credit Card |
| IRCTC BoB Rupay Credit Card | 1 | Apply BoB Credit Card |
| HDFC Bank Rupay IRCTC Credit Card | 1 | Apply HDFC Credit Card |
| ICICI Bank Coral Credit Card | 1 | Apply ICICI Credit Card |
| MakeMyTrip ICICI Bank Platinum Credit Card | 1 | Apply ICICI Credit Card |
| MakeMyTrip ICICI Bank Signature Credit Card | 1 | Apply ICICI Credit Card |
| ICICI Bank Rubyx Credit Card | 2 | Apply ICICI Credit Card |
| AU Bank Zenith Credit Card | 2 | Apply AU Credit Card |
| AU Bank Vetta Credit Card | 2 | Apply AU Credit Card |
| AU Bank Altura Credit Card | 2 | Apply AU Credit Card |
| AU Bank Altura Plus Credit Card | 2 | Apply AU Credit Card |
1. IDFC First Bank All Credit Cards
IDFC Bank provides credit cards with not only a lifetime free offer but also the offer the highest number of complementary lounge access for railway stations across India. IDFC Bank credit cards are the best choice if you are looking for a credit card that offers free railway lounge access.
- Joining Fee: NIL – LTF (Lifetime Free)
- Annual Fee: NIL – LTF (Lifetime Free)
- Complimentary Railway Lounge Access: 16 visits/year (4 visits/quarter)
2. IRCTC SBI Platinum Credit Card
IRCTC SBI Card not only provides complementary lounge access but also officially comes from IRCTC which offers you upto 10% cashback on ticket booking with the IRCTC website/app using this card.
- Joining Fee: Rs 500+GST
- Annual Fee: Rs 300+GST
- Complimentary Railway Lounge Access: 4 visits/year (1 visit/quarter)
3. IRCTC BoB Rupay Credit Card
IRCTC BoB Card has almost similar features to of SBI IRCTC Card but comes in association with the Bank of Baroda. it also offers complementary lounge access and also offers upto 10% cashback on railway ticket booking.
- Joining Fee: Rs 500+GST
- Annual Fee: Rs 350+GST
- Complimentary Railway Lounge Access: 4 visits/year (1 visit/quarter)
4. HDFC Rupay IRCTC Credit Card
Outshines its SBI and BoB counterparts with 10% value back on all railway bookings, including sleeper class. Lounge access? You bet – 4 visits per year (1 per quarter) in major cities.
- Joining Fee: Rs 500+GST
- Annual Fee: Rs 500+GST
- Complimentary Railway Lounge Access: 4 visits/year (1 visit/quarter)
5. ICICI Bank Coral Credit Card (Visa/Ruapy)
While rewards might not be its forte, this LTF ( Life Time Free) card grants 4 lounge visits annually (1 per quarter) in popular destinations. Not bad for a freebie!
6. MakeMyTrip ICICI Bank Platinum & Signature Cards
Both offer 4 lounge visits per year (1 per quarter) and waive annual fees from the second year. The Signature card ups the rewards game, making it a tempting choice for savvy spenders.
- Joining Fee: Rs 2500+GST ( Signature) , 500+GST ( Platinum)
- Annual Fee: NIL
- Complimentary Railway Lounge Access: 4 visits/year (1 visit/quarter)
7. ICICI Bank Rubyx Credit Card
On the premium side, ICICI’s Rubyx credit card offers double benefits, it gives 8 visits/year . on Apply you will get Tata CliQ Voucher worth Rs.2000, EaseMyTrip Vouchers worth Rs.2000, Tata Croma Vouchers worth ₹ 1000 (Two vouchers worth ₹ 500 each), Uber vouchers and lot more.
- Joining Fee: Rs 3000+GST
- Annual Fee: Rs 2000+GST
- Complimentary Railway Lounge Access: 8 visits/year (2 visits/quarter)
8. AU Bank Altura/Altura Plus Credit Card
Altura from Au Bank is a recently launched credit card that offers upto 2% cashback on all spending and also offers free lounge access to the railway. Affordable annual fees and 8 lounge visits per year (2 per quarter) make these cards attractive for casual lounge users.
- Joining Fee: Rs 199+GST, 499+GST(Plus)
- Annual Fee: Rs 199+GST
- Complimentary Railway Lounge Access: 8 visits/year (2 visits/quarter)
9. AU Bank Zenith/Vetta Credit Card
These premium cards boast 8 lounge visits per year (2 per quarter) and competitive rewards. However, limited availability might require some legwork.
- Joining Fee: Rs 2999(Zenith) / 7999+GST (Vetta)
- Annual Fee: Rs 2999(Zenith)/7999 plus taxes(Vetta)
- Complimentary Railway Lounge Access: 8 visits/year (2 visits/quarter)
10. IRCTC SBI Card Premier
Double the lounge access of its Platinum counterpart (8 visits/year), milestone rewards on spending, and 10% value back on IRCTC bookings make this card a premier pick for the discerning traveler.
- Joining Fee: Rs 499+GST
- Annual Fee: Rs 499+GST
- Complimentary Railway Lounge Access: 4 visits/year (2 visits/quarter)
Remember: Lounge access policies and cities might change, so check with your card issuer for the latest updates. With this handy guide, you’re now equipped to navigate the exciting world of railway lounge access and choose the card that perfectly complements your travel style. Bon voyage!
