Best Credit Card For Complimentary Railway Lounge Access

IRCTC SBI Premier card is best suited for travelling purposes with a joining fee of just Rs. 1499 + applicable taxes. With this card, you get rewards for every purchase and many more benefits. Apart from the rewards and other benefits, you can save a certain amount of money on your plane ticket. The benefits of having this card are –

• A welcome gift of 1,500 reward points.
• For every Rs. 125 spent on dining and utility, you will earn 3 reward points and 1 reward point on every Rs. 125 you spend on non-fuel-related purchases.
• Complimentary access to railway lounges per year – 8 per year and a maximum of 2 every quarter within the country.
• On hitting a milestone spend mark, you will get up to 5,000 bonus reward points.
• Accommodation at more than 5,000 hotels across 350 different cities in India.

SBI is among the top card issuers in the country and the bank partnered with Indian Railways to launch the IRCTC SBI Platinum RuPay credit card that charges an annual fee of Rs. 500 plus applicable taxes. The card is great for Indian railway users because other than the welcome benefit, it also offers 10% value back on train ticket booking as reward points.

IRCTC HDFC RUPAY CREDIT CARD is an extraordinary credit card that is in existence because of three big brand names. IRCTC, HDFC, and RUPAY are the three brands providing exceptional benefits for their consumers, like reward points, cashback, discounts, and many other complimentary things. Here are some key features presented –

• A gift voucher worth Rs.500 on card activation within the initial first 30 days of card issuance.
• 5 reward points for every Rs.100 spent on the IRCTC website and Rail Connect app.
• 1 reward point for every Rs. 100 spent on other purchases
• 5% cashback on ticket booking with the help of HDFC Bank SmartBuy
• 8 complimentary railway lounge access (max 2 per quarter).
• 1% transaction charges waived on transactions done on the IRCTC transaction portal or Rail connect app.

BOB is known for providing great credit cards with numerous benefits, and BOB IRCTC RUPAY CREDIT CARD is an add-on to that list. This credit card has great features like 40 reward points for every Rs.100 spent on the IRCTC website and 4 reward points on groceries and departmental stores as well. The list has an add-on when it comes to complimentary lounge access and much more, which are mentioned in the following –

• 40 reward points on every Rs.100 spent on the IRCTC website for ticket booking.
• 4 reward points on every Rs.100 spent on groceries and departmental stores.
• 2 reward points on every Rs.100 spent on other miscellaneous purchases
• 1% transactional charge saving on train tickets when booked from the IRCTC website and Mobile application
• 4 complimentary lounge access in a year, 1 per quarter

IDFC’S FIRST CLASSIC CREDIT CARD provides you with not just rewards and benefits it also amazing discounts of up to 25% on dining out and movies of your choice. It caters to all your needs while giving you the best benefits in the industry and rewarding you with its major features like –

• Gift voucher worth Rs.500 on expenditures over 15,000 within 90 days of the card issuance.
• 25% discount on movies (up to Rs.100) on Paytm once every month.
• 20% discount on dining with the card.
• 3 reward points on offline and 6 reward points on offline spending, each worth Rs.150
• 10 reward points on every Rs.150 spent on your birthday.
• Get up to 15% discount at more than 3000 health and wellness centres.
• 16 complimentary railway lounges access every year, a maximum of 4 per quarter

AU BANK ALTURA CREDIT CARD is a very intriguing card when it comes to the benefits of cashback. The amount of cashback this card can provide is complimenting, for starters up to 5% cash back on retail spending, 2% cash back on utility bills, groceries, and departmental store expenditures, and much more. The following are the other benefits –

• 5% cash back on retail expenditure worth Rs.2,500 or more within the initial 60 days.
• 2% cash back on utility bills, groceries, and departmental stores
• 1% cash back on other miscellaneous expenditures
• Rs. 50 cash back on every statement cycle on spends over Rs.10,000
• 2 complimentary visits to railway lounges

ICICI BANK CORAL CREDIT CARD is yet another variant of ICICI credit cards which is surely popular among its users. This credit card is specifically designed for movies and dining. It provides the most benefits and discounts on dining with the card, and not just that; this card makes sure to help you watch your favourite actors into action on the big screen. Here are some features and uses of this card –

• 1 reward point on every Rs.100 spent on utilities and insurance-related expenditures
• 2 reward points on every Rs.100 you spend; fuel is an exception
• 25% discount on movie tickets booked through BookMyShow and INOX
• By using this card, you can get exclusive dining deals through ICICI bank culinary treat program
• 2,000 reward points on spending 2 lakhs or more and 1,000 bonus rewards on spending Rs.1,00,000(max capped 10,000 per year)
• 1 complimentary railway lounge visit per quarter

AU BANK VETTA CREDIT CARD is best suited for travel and shopping with value-added benefits like domestic/ international airport and railway lounge access, insurance covers, and many other add-ons benefits. These add-on benefits include the welcome bonus, reward points, memberships, annual bonus, etc., which are on the following –

• Rs. 2,000 worth of vouchers from top brands on expenditures over Rs.30000 within the initial 60 days of card setup
• 10 reward points for every Rs.100 spent on utility bill payments
• 4 reward points on every Rs.100 spent on groceries and departmental store
• 2 reward points on every Rs. 100 spent on other miscellaneous expenditures apart from fuel
• 1,000 reward points on 1 retail transaction made on your birthday
• 500 reward points on retail spending worth Rs.50,000 in a quarter
• 1,000 additional rewards upon reaching a quarterly milestone of Rs. 1 lakh
• Zomato pro membership upon spending a minimum of Rs.50,000 in a calendar month
• 2 complimentary IRCTC railway lounge access per quarter

IDFC FIRST SELECTS CREDIT CARD is also one of the major cards by IDFC Bank. This card is well-suited for both travelling and shopping. Since it is made for these two particular areas, there are a lot of benefits this card provides, such as:

• Welcome gift voucher worth Rs.500
• 5% cashback on first EMI transactions
• 10x rewards for every Rs.125 spent on purchases made over Rs.25,000
• Airport meet and greet worldwide in more than 450 destinations.
• Access to more than 900 luxury hotels worldwide with premium advantages.
• 20% off on dining with more than 1,500+ participating restaurants
• 4 complimentary railway lounge access every quarter.

MMT ICICI SIGNATURE CREDIT CARD is another variant of MMT’s co-branding with ICICI Bank. This is also made for travelling, but the benefits are on another level. This card has ample amount of benefits from MakeMyTrip, ICICI Bank Culinary Treats Program, BookMyShow, and INOX. These benefits are stated as-

• Welcome benefit of 1,500 My Cash and holiday voucher worth Rs.2,500 by MakeMyTrip and enrolment for MMTBLACK
• Rs.1.25 My Cash with every domestic spend of Rs.200 and Rs.1.5 My Cash on every international expenditure of Rs.200
• 25% discount on movie tickets on BookMyShow an INOX by booking two tickets with a single transaction
• Worth Rs.3,999 for an International roaming pack with Airtel for 10 days
• Upon spending Rs.5 lakh, you get 4,000 My Cash, and with the expenditure of Rs.2.5 lakh, you get 1,100 My Cash in an anniversary year.
• 1 complimentary access to railway lounges every quarter.

IDFC FIRST MILLENNIA CREDIT CARD can be the right choice if you are looking for an entry-level credit card. This card is reward-based and is best suited for shopping purposes. The reward point earned through this card on every expenditure never expires, and it also has a low interest rate. The key features of this brilliant card are mentioned below-

• 5% cash back on the very first EMI paid on the expenditure worth up to Rs.1,000.
• Welcome gift voucher worth Rs.500 on spending 15,000 within 90 days of card issuance.
• 20% discount on more than 1,500 restaurants around the country.
• 25% discount on movie tickets once a month on Paytm (up to Rs. 100)
• Complimentary railway lounge access 4 times a quarter.

ICICI BANK RUBYX CREDIT CARD is a card that is best suited for travel. It will not be wrong to call it a travelling card since the major benefits this card provides are for travelling purposes. Its benefits do not stop at travelling but it also has numerous advantages when it comes to shopping such as –

• 2 reward points on domestic spend on every Rs.100 and 4 reward points on every international spend for every Rs.100
• 1 reward point on every Rs.100 spent on utilities and insurance
• Rs. 5000 worth of travelling and shopping vouchers as a welcome benefit for travelling
• 25% discount, up to oRs.150 upon booking a minimum of 2 movie tickets in a single transaction with BookMyShow or INOX, minimum 2 times per month
• Discount offers on dining with ICICI Bank Culinary Treats Program
• 2 complimentary railway lounge access per quarter

IDFC’S FIRST WEALTH CREDIT CARD is a top-notch credit card that comes with premium features just like the other credit cards by IDFC with a low-interest rate of 0.75% – 3.5% per month. This credit card does not have any annual or joining fee and has many benefits like buy one and get one movie ticket and dining offers with over 1500 restaurants; below are some other benefits provided by the card –

• Welcome voucher worth Rs.500 on spending more than Rs.15,000 in the initial 90 days / 3 months of the card generation.
• 5% cashback up to Rs.1,000 on the transaction value of the first EMI paid within the first 90 days / 3 months of the card generation.
• Interest-free cash withdrawal anywhere in the world.
• 20% off on dining with over 1,500 restaurants.
• Complementary access to railway lounges and domestic and international airport lounges 4 per quarter.

MMT ICICI PLATINUM CREDIT CARD is an excellent variant of MakeMyTrip’s cooperation with ICICI Bank. This card is very well suited for travelling purposes, however, it has more benefits than just travelling. It has other benefits like –

• Rs. 500 through My Cash as a welcome gift
• Holiday voucher worth Rs.3,000 from MakeMyTrip as a welcome benefit.
• Rs.3 My Cash on every Rs.200 spent on hotel/holiday booking through MMT
• Rs.2 My Cash on flight bookings through MMT and Rs.1.25 My Cash on every international flight spends outside the MMT.
• Re. 1 on every domestic spending outside MMT.
• 25% discount on movie tickets on BookMyShow an INOX by booking two tickets with a single transaction.
• Discount on dining with ICICI Bank Culinary Treats Program.
• 1 complimentary railway lounge access per quarter.

If you’re a traveller looking to explore India, this card can be very helpful. While it only offers one international lounge access, there are many discounts and benefits to enjoy. For example, when you book train tickets through ixigo, you’ll earn an accelerated 20 Reward Points. This will make it easier for you to travel around the country. You can also avail 8 complimentary railway lounge access with the ixigo AU Bank Credit Card.

AU BANK ALTURA PLUS CREDIT CARD is a card with which you can earn unlimited reward points and cashback while enjoying the exclusive benefits of railway lounges. The reward points that you get through spending the money you can also redeem against flights or hotel bookings. Here are a few travelling benefits you can get with this card –

• Gift voucher worth Rs.500 from some top brands as a welcome benefit
• 1.5% cash back on all POS retail spends
• 1 reward point on every Rs.100 spent after you reach the maximum cashback limit
• 2x reward points on every online transaction with no maximum cap on reward points
• 500 bonus points on spending Rs.20,000 in a calendar month
• 2 complimentary railway lounge access per quarter

This card is best suited for travel, dining, and shopping where it provides the utmost reward points on each dining and every penny spent. This card provides 1,000 reward points on completing retail spends over Rs.1 lakh and much more. Here are some of the benefits of the card –

• A voucher worth Rs.1,000 after the first POS transaction
• 10,000 bonus reward points on spending Rs. 1 lakh
• 20 reward points for every Rs.100 spent on dining
• 10 reward points on every Rs.100 spent on international transactions and groceries and departmental store
• 5 reward points on every Rs. 100 spent on other miscellaneous expenditures apart from fuel
• On your birthday, you get 2,500 reward points upon completing 1 retail transaction
• Complimentary Taj Epicure membership on spending Rs. 8 lakh with the card in an anniversary year
• 2 complimentary access to railway lounges every quarter