LTF Card with Railway Lounge Access
Before, airport lounge access used to be a premium benefit, exclusive to high-end credit cards. However, in recent years, this perk has trickled down even to entry-level cards. But what about railway lounge access? While airport lounges are ubiquitous, finding a credit card that provides complimentary access to railway lounges is much rarer, moreover, discovering a lifetime free card with such a benefit is like striking gold. Let’s dive in and find out the only lifetime free credit card with railway lounge access.
Is There Any Lifetime Free Credit Card with Railway Lounge Access?
Yes! The IDFC First Select Credit Card is the only lifetime free credit card with Railway Lounge Access. This makes it an excellent choice for frequent travelers who prefer the convenience of train travel over flights. However, before applying for it, read the entire post to understand all the features and benefits.
Disclaimer: This post may contain partnered links, but our reviews are not influenced by these partnerships.
Table of Content
IDFC First Select Credit Card (LTF)
Key Features:
- Lifetime Free: No joining or annual fees.
- Railway Lounge Access: Complimentary access to Railway & Airport Lounges (4/Quarter).
- Welcome Benefit: Welcome Voucher of Rs 500 on spend of 15,000/more within the first 90 days.
- First EMI Offer: 5% cashback on first EMI transaction within first 90 days.
- Reward Points: Earn reward points on every spend (Low Valueback)
- Fuel Surcharge Waiver: Fuel surcharge waiver at all petrol pumps across India.
- Interest-Free Cash Withdrawal: Interest-free cash withdrawal from ATMs for up to 48 days.
- Discounts and Offers: Access to exclusive discounts and offers across a variety of categories like dining, shopping, and entertainment.
Benefits:
- Cost Efficiency: With no annual fees and numerous perks, this card offers great value without additional costs.
- Travel Comfort: Access to railway lounges can make long train journeys much more pleasant.
- Birthday Special: 10x Reward Points on spends on your birthday.
Pros & Cons of IDFC First Select Credit Card
Pros:
- No annual or joining fees.
- Complimentary railway & airport lounge access.
- Welcome Benefits.
- Reward points on all spends.
- Fuel surcharge waiver.
- Interest-free cash withdrawals.
Cons:
- Benefits may not be as extensive as premium cards with high annual fees.
- No offers on Utility Payments.
FAQs (Lifetime Free Credit Card with Railway Lounge Access)
Q: What is the IDFC First Select Credit Card?
A: It’s a lifetime free credit card that offers various benefits and it is the only LTF credit card with railway lounge access.
Q: Is there an annual fee for the IDFC First Select Credit Card?
A: No, this card has no joining or annual fees, making it a lifetime free card.
Q: How do I access railway lounges with this card?
A: Present your IDFC First Select Credit Card at participating railway lounges to enjoy complimentary access.
Q: Are there any other notable benefits of this card?
A: Yes, aside from railway lounge access, the card offers reward points on every spend, a fuel surcharge waiver, and interest-free cash withdrawals.
Q: How can I apply for the IDFC First Select Credit Card?
A: You can apply online through the IDFC First Bank’s website or visit a nearby branch. Apply Here.
Q: Is There Any Lifetime Free Credit Card with Railway Lounge Access?
A: Yes! The IDFC First Select Credit Card is the only lifetime free credit card that offers complimentary access to railway lounges. This makes it an excellent choice for frequent travelers who prefer the convenience of train travel over flights.
Credit Cult Conclusion
The IDFC First Select Credit Card stands out as the only lifetime free credit card offering complimentary railway lounge access. It’s a perfect fit for frequent travelers who prefer the comfort of train journeys and appreciate the added benefits of reward points, fuel surcharge waivers, and more. By choosing this card, you not only enjoy the perks of a premium card without the cost but also make your travel experience significantly more comfortable and rewarding.
Credit Cult’s Recommendation: If you frequently travel by train and value comfort and convenience, the IDFC First Select Credit Card is a fantastic choice. With its lifetime free status and railway lounge access, it provides significant value without the burden of annual fees. Happy traveling!
Final Thoughts on the only Lifetime Free Credit Card with Railway Lounge Access
Lifetime free credit cards with railway lounge access are a rare find, but they offer a perfect blend of cost-saving and premium benefits. The IDFC First Select Credit Card is a testament to how credit cards can enhance your travel experiences without the added costs. If this sounds like the right fit for you, consider applying and enjoy the myriad benefits it has to offer.
Hey Readers,
We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. If you liked this post, also check out our detailed guide on the best 5 lifetime free credit cards in India and find the best fit for your financial needs.
– Saurabh, Credit Cult
