Best Credit Card For Complimentary Railway Lounge Access

IRCTC SBI Premier card is best suited for traveling 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.

The IRCTC RBL RuPay Credit Card is an ideal option for frequent travelers who book through the IRCTC platform and rely on public transportation. With a low joining and annual fee of ₹500, this card provides a rewarding experience, offering 5 Reward Points for every ₹200 spent on train bookings, translating to a 2.5% reward rate. Additionally, it includes 2 reward points for flight, hotel, and cruise bookings through IRCTC, complimentary railway lounge access, the convenience of UPI payments, and the National Common Mobility Card (NCMC) feature. For regular commuters, this card delivers significant value with enhanced travel benefits.

SBI is among the top card issuers in the country. The credit card giant partnered with Indian Railways to launch the IRCTC SBI Platinum RuPay credit card, which charges an annual fee of ₹500 plus applicable taxes. The card is great for Indian railway users because, in addition to 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 exists because of three big brand names. IRCTC, HDFC, and RuPay are the three brands that provide exceptional benefits for their consumers, such as 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.

The IDFC First Bank Ashva Credit Card is a mid-range credit card offering numerous benefits for travelers and shoppers alike. Whether looking to travel via rail or air, this card offers complimentary airport and railway lounge access, allowing cardholders to rest in comfort. Primary and add-on Ashva Metal Credit Cardholders can avail upto 16 free visits to railway lounges across India.

If you’re a traveler exploring India, this card can be invaluable. While it only offers one international airport lounge access, there are many discounts and benefits to enjoy. You can also avail of 8 complimentary railway lounge access with the ixigo AU Bank Credit Card.

AU 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 traveling benefits you can get with this card –

• 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 ₹20,000 in a calendar month
• 2 complimentary railway lounge access per quarter

BOBCARD 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 ₹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 ₹100 spent on the IRCTC website for ticket booking.
• 4 reward points on every ₹100 spent on groceries and departmental stores.
• 2 reward points on every ₹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 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 1,500 restaurants; below are some other benefits provided by the card –

• Welcome voucher worth ₹500 on spending more than ₹5,000 in the initial 30 days of the card generation.
• Interest-free cash withdrawal anywhere in the world.
• Complementary access to railway lounges and domestic and international airport lounges.