Railway Lounge Access

In today’s fast-paced world, travel comfort and convenience have become essential, especially for frequent train travelers. Railway lounge access can significantly enhance your journey, offering a tranquil retreat from the hustle and bustle of crowded stations. For those looking to enjoy this benefit, several credit cards in India provide access to premium railway lounges. In this blog, we will explore the top credit cards offering railway lounge access in India for 2024. Disclaimer: This blog may contain affiliate links. However, our rankings and reviews are based solely on unbiased analysis and are not influenced by these partnerships. Credit Cards with Railway Lounge Access IDFC Bank First Select Credit Card AU Bank Altura Credit Card BOB IRCTC Credit Card SBI IRCTC RuPay Credit Card AU Bank Altura Plus Credit Card MMT ICICI Bank Platinum Credit Card ICICI Bank Coral Platinum Credit Card HDFC Bank RuPay IRCTC Credit Card Benefits of Railway Lounge Access Credit Cult Recommendation FAQs Credit Cult Conclusion #1. IDFC Bank First Select Credit Card Key Features: No Joining/Annual Fees (LTF) Only LTF Credit Card offering Railway & Airport Lounge Access (4/quarter) Welcome Benefit: 500 on spend of 15,000 5% Cashback on first EMI txn (within 90d) 15% off or B1G1 on movie tickets Apply Now #2. AU Bank Altura Credit Card Key Features: Joining & Annual Fees: Rs 199/yr Railway lounge access 2 per quarter 2% Cashback on all spends upto Rs 50 1% Fuel Surcharge Waiver for fuel transactions Apply Now #3. BOB IRCTC Credit Card Key Features: Joining Fees: Rs 500, Annual Fees: Rs 350 Railway Lounge Access: 1/Quarter UPI payments through Credit Card Welcome Benefits: 1000 Bonus reward points (worth Rs 250) on spending 1,000 within first 45 days. Apply Now #4. SBI IRCTC RuPay Credit Card Key Features: Joining & Annual Fees: Rs 500 Railway lounge access : 1/Quarter 350 activation points given on the first transaction of Rs.500/more 10% ValueBack as reward points on ticket bookings through IRCTC Apply Now #5. AU Bank Altura Plus Credit Card Key Features: Joining & Annual Fees: Rs 499 Railway Lounge Access: 2/quarter Welcome Benefit: Vouchers worth Rs 1,000 on spend of 10,000 and above 5% Cashback on all POS retail spends done at merchant outlets (up to Rs 100/bill) ##Doesn’t offer that good reward benefits but better because currently the bank is actively promoting its credit cards through discount & offers around online platforms. Apply Now #6. MMT ICICI Bank Platinum Credit Card Key Features: Joining Fee: 500, Annual Fees: Nil Railway & Airport Lounge Access: 1/Qtr Welcome Benefit: 500 worth My Cash; MMT holiday voucher worth Rs. 3,000 ##Doesn’t offer much but the welcome benefits are well offered by the co-branded card. Apply Now #7. ICICI Bank Coral Platinum Credit Card Key Features: Joining & Annual Fees: Rs 500/year Railway & Airport Lounge Access: 1/Quarter 25% discount on BookMyShow and Inox ##ICICI Credit Card is best for discount offers across all the E-commerce platforms. Apply Now #8. HDFC Bank RuPay IRCTC Credit Card Key Features: Joining & Annual fee: Rs. 499 Access to IRCTC Executive Lounges: 2/Qtr Amazon voucher worth Rs. 500 on making the 1st txn (within the first 30 days) Gift vouchers worth ₹500 on spends of ₹30,000 or more every 90 days Apply Now Benefits of Railway Lounge Access Following are the facilities mentioned on the IRCTC website which must be given for complimentary access. Generally, these lounges have been outsourced to private catering companies or hotels and the quality of facilities may vary. Two hours of lounge stay in normal seating Breakfast/Lunch/Dinner as per the time of visit and as per the offering by the lounge operator at that particular time of visit Unlimited tea & coffee with cookies Free Wi-Fi Newspaper & magazine **Any additional services availed like recliners/more will be charged separately by the operator at their actual cost of service. New Delhi Railway Station IRCTC Lounge Credit Cult Recommendation If you’re seeking value-for-money credit cards that provide railway lounge access at an annual fee of ₹500 or less, we recommend the following: IDFC FIRST Credit Cards: The IDFC FIRST Select, Millennia, and Wealth credit cards stand out as lifetime-free options that offer railway lounge access without any annual fee. These cards are ideal if you’re an occasional traveler and want to enjoy lounge benefits without extra costs. Apply for IDFC First Credit Cards Now! SBI Bank IRCTC RuPay Credit Card: For those who travel frequently by train, this card offers not only a 10% value back on IRCTC ticket bookings but also access to IRCTC premium lounges once per quarter. It’s a great choice for frequent travelers who want to combine cost savings with regular lounge access. Apply for the SBI IRCTC Credit Card Now! Select the card that aligns with your travel needs and preferences. Enjoy your journey with the right card from Credit Cult! Safe travels! FAQs: Railway Lounge & Credit Cards 1. What are the best credit cards with railway lounge access in India? Answer: The best credit cards offering railway lounge access in India include the IDFC First Select/Millennia/Wealth credit card, AU Bank Altura Credit Card, BOB IRCTC Credit Card, SBI IRCTC RuPay Credit Card, AU Bank Altura Plus Credit Card, MMT ICICI Bank Platinum Credit Card, ICICI Bank Coral Platinum Credit Card, HDFC Bank RuPay IRCTC Credit Card, and more. These cards provide complimentary access to railway lounges and a range of other benefits tailored for frequent travelers. 2. How does railway lounge access work with credit cards? Answer: Railway lounge access with credit cards typically allows cardholders to enter premium waiting areas at train stations. This benefit is often available through partnerships between credit card issuers and railway operators. Cardholders can usually access lounges by presenting their credit card and a valid train ticket. Some cards offer a limited number of free visits per year. 3. Are there any credit cards offering railway lounge access without an annual fee? Answer: Most credit cards that offer railway lounge access are premium cards that come with an annual fee. However, IDFC