HDFC Bank Credit Card for Complimentary Railway Lounge Access
- Updated On: 2 January, 2026
Are you someone who needs to commute by train frequently? Do you often find yourself waiting at railway stations and wishing for a comfortable place to relax before your journey? You are tired of paying for train tickets without getting any discounts or receiving any benefits. Well, there is good news for all those people. HDFC Bank has introduced a credit card that only focuses on people who travel by train. Cardholders have the opportunity to earn rewards on their railway and retail transactions, which can be redeemed for various travel bookings.
This article explains the features and benefits of the HDFC Bank RuPay IRCTC Credit Card. This card is for people who want to improve their train travel experience and receive valuable perks. Whether you travel for business often or enjoy exploring different destinations by train, this credit card is the best option for you.
Table of Contents
HDFC Bank Credit Card with Railway Lounge Access
- Joining FeeRs. 500 + GST
- Annual FeeRs. 500 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
5X Reward Points/₹100 for IRCTC Bookings and 1 Reward Point/₹100 for Other Valid Spends. An Additional 5% Cashback Can Be Earned for Rail Bookings Via SmartBuy
Welcome Benefits
Amazon Voucher Worth ₹500
Card Details +
HDFC Bank and IRCTC have collaborated and launched a co-branded credit card on the RuPay network for people who travel by train on a regular basis. With a nominal fee of ₹500 plus taxes, the HDFC Bank RuPay IRCTC Credit Card is quite beneficial for frequent travelers. Users who have this card will be able to access two railway lounges every quarter as a travel benefit. They will also enjoy an Amazon voucher worth ₹500 after making a transaction within 30 days of card issuance. Users will get the advantage of earning 5x CashPoint on IRCTC Bookings and 1 CashPoint for every ₹100 spent on retail purchases. All the CashPoints earned can be redeemed for railway bookings through the IRCTC app or website, where the value of 1 CashPoint = ₹1, and also for flight/ hotel bookings through the IRCTC app or website, where the value of 1 CashPoint = ₹0.30.
This card waives the annual fee for people who spend more than ₹1.5 lakhs in the previous year. Milestone benefits, which include a gift voucher of ₹500, are also provided to cardholders on spending ₹30,000 or more in 90 days. Since this card is on the RuPay network, users can easily link their UPI apps, such as Paytm, PhonePe, BHIM, and Google Pay, to make transactions without any worry.
How to Access Railway Lounges With HDFC IRCTC Credit Card?
- Cardholders need to provide their valid credit card and train ticket to the main entrance of the lounge they want to enter.
- Cardholders will be charged an authorization fee of ₹2 to validate the card for complimentary lounge access.
- Supplementary cardholders can also easily access the IRCTC railway lounges.
- Users can stay in the lounge for two hours and enjoy all the amenities provided.
List of Railway Lounges That You Can Access with HDFC IRCTC Credit Card
| City | Lounge Name | Station | Platform |
| Agra | Executive Lounge Agra | Agra Cantonment Railway Station | Platform 1 |
| Ahmedabad | Executive Lounge Ahmedabad | Kalupur Railway Station | Platform 1 |
| Asansol | Premium Lounge | Asansol Railway Station | Platform 2 |
| Asansol | Beverage Lounge | Asansol Railway Station | Platform 5 |
| Delhi | Executive Lounge New Delhi AG | New Delhi Railway Station | Platform 16 |
| Delhi | Executive Lounge New Delhi PG | New Delhi Railway Station | Platform 1 |
| Durgapur | Premium Lounge | Durgapur Railway Station | Platform 1 |
| Jaipur | Executive Lounge Jaipur | Jaipur Railway Station | Platform 1 |
| Kolkata (Sealdah) | Executive Lounge Sealdah | Sealdah Railway Station | Platform 8 |
| Madurai | Executive Lounge Madurai | Madurai Railway Station | Platform 1 |
| Varanasi | Executive Lounge Varanasi | Varanasi Cantonment Railway Station | Platform 1 |
What Railway Lounges Offer In India?
The IRCTC Executive Railway Lounges in India offer the following facilities:
- Users can sit in the executive railway lounges for 2 hours.
- They can get access to washrooms, free Wi-fi, AC, charging points, newspapers, and magazines.
- Anyone who has access to IRCTC executive railway lounges can enjoy the buffet meal, which can be breakfast, lunch, or dinner, depending on their visit.
- They will even get to enjoy unlimited tea and coffee.
Bottom Line
HDFC Bank has introduced only one credit card that offers railway lounge access. The HDFC Bank IRCTC Credit Card was launched two years ago and is now in many people’s wallets. People love the reward rate it offers and are crazy about the redemption process, where the value of 1 CashPoint is ₹1, which can be used to book train tickets through the IRCTC app or website. So if you have 1,000 points, you can book a train from Chandigarh to Delhi with your CashPoints. This card even offers welcome benefits, fee waivers, and milestone benefits and can be linked to UPI apps. So if you or your family member travels on the train very frequently, then this card should be in your pocket without any second thought.
FAQs:
Can supplementary cardholders also access the IRCTC railway lounges?
Yes, supplementary cardholders can access the IRCTC railway lounges.
What is the process for accessing the railway lounges with the HDFC Bank RuPay IRCTC Credit Card?
Cardholders need to present their valid credit card and train ticket at the main entrance of the lounge they wish to enter. An authorization fee of ₹2 is charged for complimentary lounge access.
Are there any annual fees for the HDFC Bank RuPay IRCTC Credit Card?
Yes, this credit card has a nominal annual fee of ₹500 plus taxes, which can be waived for users who will spend ₹1.5 lakhs or more in the previous year.