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Railways have always had a significant impact on the lives of people in this country, whether for daily commutes or important vacations. It has consistently been a popular travel option for Indians. Several credit cards offer railway lounge access as well as access to international and domestic airport lounges. In this article, we will discuss credit cards that provide the maximum benefits and railway access.

The credit card issuers that offer the feature of railway lounges are SBI, HDFC, BOB, IDFC, ICICI, and AU Bank. Most of the cards provided by these financial institutions are travel-focused. While complimentary benefits of lounge access are provided, some credit cards are also well-suited for shopping and dining and also offer lounge benefits.

Credit Card For Complimentary Railway Lounge Access

Table of Contents

List of Credit Cards With Complimentary Railway Lounge Access

As mentioned above, if you are a frequent traveller who prefers railways as the mode of transport,  you can spend extra time at various lounges available at different Railway stations across India. A few credit cards are providing complimentary railway lounge access privileges for their customers. Here are the following credit cards and their benefits

IRCTC SBI Card Premier

(4.3/5)

Fees

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1,500 Reward Points

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.
IRCTC SBI Platinum Credit Card

(3.8/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 300 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.

IRCTC SBI PLATINUM CREDIT CARD is yet another variant by SBI and IRCTC. This card has many welcome benefits along with travelling. It does not only save money but gets you a lot of reward points and assumingly caters to all your needs. This card is best suited for travelling, and here are some of its benefits –

  • 350 activation bonus points on a single transaction of Rs. 500 or more within 45 days of the activation of the card.
  • 100 Rs. Cashback on the first cash advance withdrawn from the ATM
  • 1.8% transaction charges can be saved on tickets if bought from the IRCTC website.
  • Offering accommodation at more than 5,000 hotels spread across 350 cities.
  • Custom-made packages from the IRCTC website for adventure and wildlife to leisure and pilgrimage across the country.
  • 4 complimentary railway lounge access in a year (max 1 per quarter)
HDFC-IRCTC-Credit-Card

(4.5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.

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.
IRCTC BoB RuPay Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 350 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get 1000 Bonus Reward Points on spending Rs. 1000 through a single transaction using this card within the first 45 days of card issuance.

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 FIRST Classic Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.

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 Altura Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A

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

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

N/A

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

(4.5/5)

Fees

Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

N/A

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 Select Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.

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.
MakeMyTrip ICICI Bank Signature Credit Card

(4.2/5)

Fees

Joining Fee

Rs. 2,500 + GST

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get 1,500 My Cash, MakeMyTrip holiday voucher worth Rs. 2,500, and MMTBLACK enrolment.

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

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation

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

(4.5/5)

Fees

Joining Fee

Rs. 3,000 + GST

Renewal Fee

Rs. 2,000 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Travel & Shopping Vouchers Worth Rs. 5,000

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 FIRST Wealth Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

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.
MakeMyTrip ICICI Bank Platinum Credit Card

(3.9/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Rs. 500 My Cash and MakeMyTrip holiday voucher worth Rs. 3,000

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.
ixigo AU Credit Card

(4.4/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance

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

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A

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
AU Bank Zenith Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 7,999 + GST

Renewal Fee

Rs. 7,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.

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

Credit Card With Free Railway Lounge Access 

Credit cards charge a joining fee which is different for every card. Here is an overview of all the cards providing railway lounge access throughout the country along with the max cap per quarter and their joining fee –

Credit Card Fees Railway Lounge Access
IRCTC SBI Card Premier Rs.1,499 + applicable taxes 8 per year and a maximum of 2 every quarter
IRCTC SBI Platinum Credit Card Rs. 500 + applicable taxes 4 complimentary railway lounge access in a year (max 1 per quarter)
IRCTC HDFC Credit Card Rs. 500 + applicable taxes 8 per year and a maximum of 2 every quarter
IRCTC BoB RuPay Credit Card Rs.500 4 complimentary railway lounge access in a year (max 1 per quarter)
IDFC FIRST Classic Credit Card Nil 16 complimentary railway lounges access every year, a maximum of 4 per quarter
AU Bank Altura Credit Card Rs.199 + applicable taxes 2 complimentary visits to railway lounges
ICICI Bank Coral Credit Card Rs.500 1 complimentary railway lounge visit per quarter
AU Bank Vetta Credit Card Rs.2,999 + applicable taxes 2 complimentary IRCTC railway lounge access per quarter
IDFC FIRST Select Credit Card Nil 4 complimentary railway lounge access every quarter
MakeMyTrip ICICI Bank Signature Credit Card Rs.2,500 + applicable taxes 1 complimentary access to railway lounges every quarter
IDFC FIRST Millennia Credit Card Nil Complimentary railway lounge access 4 times a quarter
ICICI Bank Rubyx Credit Card Rs.3,000 + applicable taxes 2 complimentary railway lounge access per quarter
IDFC FIRST Wealth Credit Card Nil Complementary access to railway lounges and domestic and international airport lounges 4 per quarter.
MakeMyTrip ICICI Bank Platinum Credit Card Rs.500 + applicable taxes 1 complimentary railway lounge access per quarter
AU Bank Altura Plus Credit Card Rs.499 + applicable taxes 2 complimentary railway lounge access per quarter
AU Bank Zenith Credit Card Rs.7,999 + applicable taxes 2 complimentary access to railway lounges every quarter
AU Bank Xcite Credit Card Nil 2 complimentary lounge access per quarter
AU Bank Xcite Ace Credit Card Nil 2 complimentary lounge access per quarter
AU Bank Xcite Ultra Credit Card Nil 8 complimentary railway lounge access every year, max 1 per quarter

Benefit of a Credit Card With Free Lounge Access

Executive IRCTC Lounge Access

If you are a regular traveller and like to or have to use trains a lot, you can save an ample amount of money on your travel every time. Having travel credit cards that provide railway lounge access can be a boon for those who have to wait in the railway station for hours waiting for their trains to come. For example, if you are a non-credit card user and you wish to avail yourself of the lounge, this can cost you a lot. In contrast, if we are talking about credit card users who already have a credit card with the lounge access benefit, they can show their credit cards at the reception area and enter the lounge.

Railway Lounges in India

Railway Lounge Sitting Area

All these above-mentioned credit cards provide railway lounge access up to a certain visit; the railway lounges that can be accessed by these cards are spread throughout the whole country. Sometimes, it is hard to determine whether the card you hold has access to that particular railway lounge or not. To help in these kinds of situations, here is a table consisting of the type of railway lounges along with the necessary detail on it –

Name City Address
Executive Lounge New Delhi AG Delhi / Delhi Platform No.16, New Delhi Railway Station Ajmeri Gate, New Delhi, Delhi 110002
Executive Lounge New Delhi PG Delhi / Delhi Platform No. 1, First Floor, Paharganj Side, New Delhi Railway Station, New Delhi, Delhi 1100055
Executive Lounge Jaipur Jaipur / Rajasthan Jaipur Railway Station, Platform No. 1, Shyam Nagar, Chomu, Rajasthan 303702
Executive Lounge Agra Agra / UP Agra Railway Station, Platform No.1, Agra Cantt, Agra, Uttar Pradesh 282001
Executive Lounge Ahmedabad Ahmedabad / Gujrat Executive Lounge, IRCTC Platform No. 1, Kalupur Railway Station, Ahmedabad 380002
Executive Lounge Sealdah Kolkata (Sealdah) / WB Executive Lounge, IRCTC Platform No. 8, 1st Floor, Sealdah Railway Station, Sealdah 700014
Executive Lounge Madurai Madurai / TN IRCTC Executive Lounge, Platform No. 1, Madurai Railway Junction, Railway Junction Road, Madurai Main, Madurai, Tamil Nadu 625001
Executive Lounge Varanasi Varanasi / UP IRCTC Executive Lounge, Platform No. 1, Cantt railway Station, Varanasi, Uttar Pradesh 221002
Premium Lounge Asansol / WB Premium Lounge, 1st floor, Platform No. 2, Asansol Railway Station, Railpar Station Road, Distt- Bardhaman, Drysdale Rd, Railpar, Asansol, West Bengal 7133031
Beverage Lounge Asansol / WB Premium Lounge, 1st floor, Platform No. 5, Asansol Railway Station, Railpar Station Road, Distt- Bardhaman, Drysdale Rd, Railpar, Asansol, West Bengal 7133031
Premium Lounge Durgapur / WB Premium Lounge, Main Entrance, near Enquiry Office, Durgapur Railway Station, BC, Doctor Bidhan Chandra Roy Avenue, Durgapur, West Bengal 713201

NOTE – Not every Credit Card provides access to all of the above-mentioned lounges

Features of Lounges

Eating Area IRCTC Executive Lounge

These lounges are not just sitting places, there are many things that one can do while waiting for their train. The complimentary lounge access includes the following facilities –

  • 2 hours of lounge stay
  • A/C installed sitting area
  • Washroom / Changing room availability
  • Buffet meal (breakfast/lunch/dinner) depending on the time of visit
  • Tea and Coffee – Unlimited
  • Free Wi-Fi and charging ports
  • Newspapers and Magazines for entertainment

Bottom Line

Railways are one of the major travelling modes in India so be it for long journeys or short ones. To keep these journeys comfortable for their customers, banks have made great efforts to provide us with lounge access. Although every cardholder doesn’t need to use this benefit at all cost, whenever they travel and needs to have a short stay, these railway lounges can always come into use.

When choosing which card you want to apply for with railway lounge benefits, you can go ahead and compare them along with your needs and wants. There is no such thing as the Best Credit Card; only the right credit card that will fulfil all your basic needs and help you build financial stability is the best credit card for you.

FAQs:

Yes, just like airport lounge access, there are many credit cards that provide complimentary railway lounge access to the cardholders. You can relax at these lounges while waiting for your train, have food and drinks, and entertain yourselves.
For people those who prefer railways as there preferred mode of transport, there are several credit cards available that offer complimentary railway lounge access along with a host of other benefits and rewards. Some of the top credit cards with railway lounge access are IRCTC SBI Card Premier, HDFC Bank Rupay IRCTC Credit Card, IRCTC BoB Rupay Credit Card, AU Bank Altura Credit Card, IDFC First Classic Credit Card, ICICI Bank Coral Credit Card, MakeMyTrip ICICI Bank Signature Credit Card, AU Bank Vetta Credit Card, and some more.
You need to present your valid and unexpired credit card along with your railway ticket at the entrance of the participating railway lounge to get access. You will be charged Rs. 2 on your credit card for authentication and this fee is non-refundable.
No, the complimentary railway lounge access is only for the primary cardholder and not for the add-on cardholders or any other accompanying guests. You need to pay for anyone accompanying you at the railway lounge. Also, after using your free visits, you will need to pay for using the railway lounge and it won’t be for free anymore.
These are the privileges you get at the railway lounges –
  • You can stay and rest for 2 hours inside the railway lounge.
  • Relax in comfortable chairs and inside the lounge’s air-conditioned area.
  • Breakfast, lunch, and dinner based on the time of the day you visit
  • You get unlimited coffee, tea, and cookies
  • You can use free wifi inside the railway lounge
  • You can read magazines and newspapers, watch television, listen music, etc. for entertainment
These are the railway lounges that cardholders can access during their travel –
  • New Delhi Executive Railway Lounge
  • Jaipur Executive Railway Lounge
  • Agra Executive Railway Lounge
  • Ahmedabad Executive Railway Lounge
  • Madurai Executive Railway Lounge
  • Kolkata (Sealdah) Executive Railway Lounge

2 Comments

  1. Anita Reply

    Both IRCTC SBI Platinum Credit Card and HDFC Bank RuPay IRCTC credit Card are worth considering but if I have to chooseh one card then I would like to go with HDFC Bank RuPay IRCTC credit Card as this card provides –
    Amazon voucher worth Rs. 500
    5X Cash Points on IRCTC spends.
    8 complimentary access to IRCTC Executive lounges.
    Forex Markup of 3.5% of the transaction amount.

  2. Jatin Reply

    Both the IRCTC SBI Platinum Credit Card and the HDFC Bank RuPay IRCTC Credit Card are good options. However, if I had to choose one, I would go for the HDFC Bank RuPay IRCTC Credit Card because it offers several benefits such as a Rs. 500 Amazon voucher, 5X Cash Points on IRCTC spends, 8 complimentary access to IRCTC Executive lounges, and a Forex Markup of 3.5% of the transaction amount.

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