If you frequently travel via train, you may have experienced the discomfort of long waits between connections or delayed trains. However, there are some credit cards that offer complimentary access to railway lounges, which can make your waiting time more comfortable and relaxing.
In this guide, we will explore the 10 best credit cards in India that offer complimentary railway lounge access.
Table of Contents
The complimentary railway lounge access provided by credit cards includes the following facilities:
IDFC First Bank provides four credit cards that are lifetime free – IDFC First Classic, IDFC First Millennia, IDFC First Select, and IDFC First Wealth Credit Cards.
These cards offer a higher number of complimentary lounge visits compared to other cards, making it the perfect option for those seeking railway lounge access at zero cost.
Fees & Railway Lounges Benefits
Other Key Benefits of IDFC First Classic Credit Card
AU Small Finance Bank’s Xcite credit cards, including the Xcite Ace and Ultra, provide lifetime free credit cards. With these cards, you can get 8 complimentary railway lounge access annually, which is ideal for those looking for free access to railway lounges.
Additionally, add-on credit cardholders can also enjoy free railway lounge access within the complimentary visits allotted to the primary cardholder.
Fees & Railway Lounges Benefits
Other Key Benefits of AU Bank Xcite Credit Card
HDFC Bank Rupay IRCTC credit card is more valuable than the SBI and BoB IRCTC cards in terms of reward benefits. HDFC Bank Rupay IRCTC credit card offers a 10% value back on all classes of railway booking, including sleeper class while the SBI and BoB IRCTC cards offer only for AC bookings.
Fees & Railway Lounges Benefits
Other Key Benefits of HDFC Bank Rupay IRCTC Credit Card
If you frequently travel on Indian Railways, the IRCTC SBI Platinum Card is worth considering. With this card, you can get up to 10% value back on IRCTC bookings and enjoy four complimentary railway lounge access in a year.
You can also avail of a 1.8% transaction charge waiver on railway ticket bookings made through IRCTC.
Fees & Railway Lounges Benefits
Other Key Benefits of IRCTC SBI Platinum Card
IRCTC SBI Card Premier is the next level of IRCTC SBI Platinum Rupay credit card. With this card, you can get up to 10% value back on your IRCTC bookings.
This card offers twice the number of complimentary visits compared to the IRCTC SBI Platinum Card. You get 8 complimentary railway lounge visits per year with a maximum of 2 visits per quarter.
Fees & Railway Lounges Benefits
Other Key Benefits of IRCTC SBI Card Premier
IRCTC BoB is one of the best rupay credit card that offers valuable benefits for frequent train travelers. You will receive 4 complimentary domestic railway lounge access every year.
You can also earn 40 Reward Points for every Rs. 100 spent on the IRCTC website or mobile app, which can be redeemed for ticket bookings or against your card’s statement balance at a rate of 1 Reward Point = Re. 0.25. You get up to 10% value back on AC bookings.
Fees & Railway Lounges Benefits
Other Key Benefits of IRCTC BoB Rupay Credit Card
The ICICI Bank Coral Credit Card is a great option not just for movie buffs and foodies but also for frequent train travelers. You get one complimentary visit to railway lounges in India every quarter.
Additionally, this credit card also offer movie benefits with 25% discount on movie tickets booked through BookMyShow and INOX. With the ICICI Bank Culinary Treats program, you can also avail of exclusive dining deals.
Fees & Railway Lounges Benefits
Other Key Benefits of ICICI Bank Coral Credit Card
The ICICI Bank Rubyx Credit Card offers a wide range of lifestyle benefits, including exclusive discount offers on dining and movies. In addition to these benefits, the card also offers travel benefits to make your journeys comfortable, such as railway and airport lounge access every quarter.
You can enjoy 2 complimentary railway lounge accesses per quarter and 1 complimentary airport lounge access per quarter with each of the two card variants on a minimum expenditure of Rs. 5,000 in the previous quarter.
Fees & Railway Lounges Benefits
Other Key Benefits of ICICI Bank Rubyx Credit Card
The MakeMyTrip ICICI Bank Platinum Credit Card comes with a one-time fee of Rs. 500 and offers great reward points for flight, hotel, and holiday bookings on MakeMyTrip.
You can also enjoy the added benefit of complimentary Railway Lounge Access, with four visits per year (one visit per quarter).
Additionally, you can earn up to Rs. 3 My Cash per Rs. 200 on flight/hotel/holiday bookings on MMT. Every My Cash is equal to Rs. 1, making this card a great option for frequent travelers.
Fees & Railway Lounges Benefits
Other Key Benefits of MakeMyTrip ICICI Bank Platinum Credit Card
Similar to the MakeMyTrip ICICI Bank Platinum card, the MakeMyTrip ICICI Bank Signature Credit Card also provides four complimentary railway lounge access annually but its high joining fees.
However, this credit card offers better reward value than the MMT Platinum card. You can earn up to 4 My CashPoints for every Rs. 200 spent on flight, hotel, and holiday bookings made through MakeMyTrip, where one My CashPoint equals Rs. 1.
Fees & Railway Lounges Benefits
Other Key Benefits of MakeMyTrip ICICI Bank Signature Credit Card
| Credit Card Name | Fees | Complimentary Railway Lounges Access |
| IDFC First Classic/Millennia/Select/Wealth Credit Cards | Nil | 16 per year (max 4 per quarter) |
| AU Bank Xcite/Xcite Ace/Xcite Ultra Credit Card | Nil | 8 per year (max 2 per quarter) |
| IRCTC HDFC Credit Card | Rs. 500 | 8 per year (max 2 per quarter) |
| IRCTC SBI Card Premier | Rs.1,499 | 8 per year (max 2 per quarter) |
| IRCTC SBI Platinum Credit Card | Rs. 500 | 4 per year (max 1 per quarter) |
| IRCTC BoB RuPay Credit Card | Rs.500 | 4 per year (max 1 per quarter) |
| ICICI Bank Coral Credit Card | Rs.500 | 4 per year (max 1 per quarter) |
| ICICI Bank Rubyx Credit Card | Rs.3,000 | 8 per year (max 2 per quarter) |
| MakeMyTrip ICICI Bank Platinum Credit Card | Rs.500 | 4 per year (max 1 per quarter) |
| MakeMyTrip ICICI Bank Signature Credit Card | Rs.2,500 | 4 per year (max 1 per quarter) |
If you are looking for a lifetime free credit card for complimentary railway lounge access, consider IDFC First Classic/Millennia/Select/Wealth Credit Cards. These credit cards come with zero joining/annual fee and offer 16 railway lounges access per year. Additionally, you can also enjoy movie benefits.
When choosing the best credit card with railway lounge benefits, it is important to consider your specific needs and preferences. Review the list of above mentioned credit cards and compare their features and benefits before making a decision.
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