- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1.5% cashback on all POS retail spends, 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.
Welcome Benefits
N/A
AU Credit Cards With Free Railway Lounge Access
- Updated On: 7 May, 2026
Railways are one of the most popular means of traveling in our country. It is considered the nation’s bedrock and has seen great improvements in recent times. This highlights the importance of traveling by railway. With your AU Credit Cards, you can now enjoy complimentary access to popular railway lounges in India. With our selection of top AU Cards, you can easily access the railway lounge across many popular stations in India, including New Delhi, Chennai, Ahmedabad, and Jaipur. The list of lounges available at railway stations is continuously expanding and is now spreading to smaller cities, making this free access even more attractive.
Usually, visitors are charged ₹200 for entry at the IRCTC Railway Lounge and additional costs for food and snacks. These facilities are provided for free with AU Credit Cards. Buffets, snacks, comfortable seating, paid services, and much more await you. Continue reading to learn more about these rewarding cards and view the list of available lounges.
Table of Contents
Best AU Bank Credit Cards With Railway Lounge Access
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)
Welcome Benefits
1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance
- Joining FeeRs. 199 + GST
- Annual FeeN/A
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 RPs/₹100 Spent on Retail and 1 RP/₹100 Spent on Utility and Insurance
Welcome Benefits
500 Reward Points
- Joining FeeRs. 299 + GST
- Annual FeeRs. 299 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
1% Cashback on All UPI Spends (Up to Rs. 500)
Welcome Benefits
N/A
- Joining FeeRs. 199 + GST
- Annual FeeRs. 199 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Dining | Shopping | Business Expenses
- Rewards TypeReward Points
Rewards Rate
Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Welcome Benefits
Up to 1,000 Reward Points
- Joining FeeRs. 2,999 + GST
- Annual FeeRs. 2,999 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
4 RPs/₹100 Spent on Groceries & Departmental Spends. 2 RPs/₹100 on All Other Eligible Spends
Welcome Benefits
N/A
List of Railway Lounges Accessible With AU Credit Cards
In India, IRCTC manages all lounges. Check out the complete list of railway lounges you can visit for free with your AU Credit Card.
| Lounge Name | Railway Station | City | Platform Number |
| IRCTC Executive Lounge | Kalupur Railway Station | Ahmedabad | Platform 1 |
| Premium Lounge | Asansol Junction Railway Station | Asansol | Platform 2 |
| Beverage Lounge | Asansol Junction Railway Station | Asansol | Platform 5 |
| Refreshing Lounge | Asansol Junction Railway Station | Asansol | Platform 5 |
| Executive Lounge | Chennai Central Railway Station | Chennai | Platforms 6 – 7 |
| IRCTC Lounge | Old Delhi Railway Station | Delhi | Platform 5 |
| Premium Lounge | Durgapur Railway Station | Durgapur | Platform 1 |
| IRCTC Executive Lounge | Jaipur Railway Station | Jaipur | Platform 1 |
| IRCTC Executive Lounge | Sealdah Railway Station | Kolkata | Platform 8 |
| IRCTC Executive Lounge | Madurai Railway Station | Madurai | Platform 1 |
| IRCTC Executive Lounge | New Delhi Railway Station | New Delhi | Platform 16 |
| IRCTC Executive Lounge | New Delhi Railway Station | New Delhi | Platform 1 |
| IRCTC Executive Lounge | Varanasi Cantt Railway Station | Varanasi | Platform 1 |
How to Access Railway Lounge?
- You will have to present your AU RuPay/Visa Credit Card along with your train ticket.
- A non-refundable validation charge of ₹2 will be charged to your card.
- After going through the above steps, you can access the cards.
- Many AU Credit Cards allow add-on cardholders to access the railway lounge, but additional guests will be charged separately. It’s best to check the terms of your card beforehand.
- Check complete details regarding complimentary railway lounge access with AU Credit Cards.
What to Expect from Railway Lounges in India?
- With your AU Credit Card, you can gain entry to popular railway lounges in India and enjoy a two-hour stay and rest. You can read newspapers/magazines and relax.
- While in the lounge, you can relax and recharge while enjoying free Wi-Fi services.
- In the railway lounge, visitors can enjoy complimentary tea and coffee, as well as a buffet meal for breakfast, lunch, or dinner. If a visitor arrives in the evening, snacks may be provided at the lounge’s discretion.
- Any additional services, like recliners, shall be chargeable.
Bottom Line
Railways is a highly preferred mode of transportation in India. People visit railway stations to board their trains. Free lounge access can be very useful for frequent railway travelers. Whether you have arrived early, your train is running late, or you simply want to rest during your journey, you can refresh yourself with complimentary railway lounge access provided with your AU Credit Card. These railway lounges provide comfortable seating, an air-conditioned environment, buffet meals, tea and coffee, and even snacks, making them a useful facility.
Simply display your ticket and swipe your AU Credit Card to access the lounge at many railway stations in India for free. In the comments below, tell us your thoughts on the free facility offered by AU Bank.
FAQs:
What is a railway lounge?
A railway lounge is where individuals can rest or wait while their trains arrive. Many credit cards in India offer free access to railway lounges, which are located within the premises of railway stations.
Can I use my AU Bank credit card at all railway lounges?
AU Bank Credit Cards offer complimentary access to railway lounges nationwide. It’s best to review the list above before visiting your preferred lounge.
How long are the railway lounges operational?
People can easily visit most railway lounges at any time of the day; they are operational 24/7. Complimentary breakfast, lunch, and dinner are available at different times during the day to accommodate all commuters.
Can I take my children with me for free at IRCTC Railway Lounges?
Children below the age of 3 can accompany AU Credit Cardholders for free. But any food consumed can be charged at the discretion of the lounge.