10+ Best Credit Cards with Railway Lounge Access

Best Credit Cards with Complimentary Railway Lounge Access

If you’re traveling by train, IRCTC railway lounges are a great place to spend your time. Several railway stations have been equipped with well-equipped lounges in recent years. You can also benefit from credit cards here by getting complimentary access to railway lounges. Here is a list of the top credit cards with railway lounge access, in line with our pursuit to compile credit card lists for major purposes.

Included Facilities at IRCTC Railway Lounges

Best Credit Cards for Complimentary Railway Lounge Access
Railway Lounge at Sealdah Station (Source: Ministry of Railways Twitter Account @RailMinIndia)

Below is the list of facilities that are included in the complimentary railway lounge access offered by the credit cards:

LTF IndusInd Bank Credit Cards
  • 2 hours of lounge stay
  • A/C sitting arrangements
  • 1 Buffet Meal – Breakfast, Lunch, or Dinner as per the time of visit
  • Unlimited tea and coffee
  • Free Wi-Fi
  • Newspapers and Magazines

Lifetime Free Credit Cards with Railway Lounge Access

IDFC First Bank Credit Cards: Millennia/Classic/Select/Wealth

IDFC First Bank credit cards are not only LTF with good rewards but also offer one of the highest number of complimentary railway lounge visits among all cards. This is the best choice if you need LTF credit cards with railway lounge access.

The list of eligible IRCTC railway lounges for complimentary access with IDFC First Bank credit cards are located at these stations: New Delhi Platform 16, Jaipur Platform 1, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1 and Kolkata (Sealdah Platform 8)

IDFC First Bank Credit Cards with Railway Lounge Access
  • Card Type: Rewards
  • Joining/Annual Fee: LTF
  • Annual Fee Waiver: Not Applicable
  • Best Use: Online Spends, Airport and Railway Lounge Access
  • IRCTC Railway Lounge Access: 16 visits/year

ICICI Bank Coral RuPay Credit Card

ICICI Bank Coral credit card does not offer good rewards for spending. But, it has the USP of getting 10% instant discount during online sales.

LTF IDFC First Bank Credit Cards

The list of eligible IRCTC railway lounges for complimentary access with ICICI Bank Coral credit card are located at these stations: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 16 and 1, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8) and Varanasi Platform 1.

ICICI Bank Coral Credit Card
  • Card Type: Cashback
  • Joining/Annual Fee: LTF
  • Annual Fee Waiver: Not Applicable
  • Best Use: Instant discount offers
  • IRCTC Railway Lounge Access: 4 visits/year

AU Bank Altura Credit Card

AU Bank Altura has had an annual fee but it is now offered LTF. This is another option for LTF credit cards with railway lounge access.

The list of eligible IRCTC railway lounges for complimentary access with AU Bank Altura credit card are located at: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 1 and 16, Old Delhi Platform 5, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8), Chennai Platform 6-7 and Varanasi Platform 1.

AU Bank Xcite Ace
AU Bank Altura Credit Card
  • Card Type: Rewards
  • Joining/Annual Fee: LTF
  • Annual Fee Waiver: Not Applicable
  • Best Use: Retail spends and merchant offers
  • IRCTC Railway Lounge Access: 8 visits/year

AU Bank Altura Plus Credit Card

AU Bank Altura Plus has had an annual fee but it is now offered LTF. This is another option for LTF credit cards with railway lounge access.

The list of eligible IRCTC railway lounges for complimentary access with AU Bank Altura Plus credit card are located at: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 1 and 16, Old Delhi Platform 5, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8), Chennai Platform 6-7 and Varanasi Platform 1.

AU Bank Altura Plus Credit Card
  • Card Type: Rewards
  • Joining/Annual Fee: LTF
  • Annual Fee Waiver: Not Applicable
  • Best Use: Retail spends and merchant offers
  • IRCTC Railway Lounge Access: 8 visits/year

AU Xcite, Xcite Ace and Xcite Ultra Credit Cards

The new Xcite range of credit cards are LTF for everyone and can be applied on C2C using your existing non-AU Bank credit cards. In these, Xcite Ace and Xcite Ultra credit cards offer good rewards for spends too.

AU Bank Xcite Credit Cards
  • Card Type: Rewards/Cashback
  • Joining/Annual Fee: LTF
  • Annual Fee Waiver: Not Applicable
  • Best Use: Retail spends and merchant offers
  • IRCTC Railway Lounge Access: 8 visits/year

Other Credit Cards with Railway Lounge Access

IRCTC SBI Platinum Card

IRCTC SBI Platinum Card is one of the must-have credit cards if you are a frequent traveller on Indian Railways. It offers up to 10% value back for IRCTC bookings. The complimentary railway lounge access is a valuable benefit of this card.

The list of eligible IRCTC railway lounges for complimentary access with IRCTC SBI Platinum credit card are located at: New Delhi Platform 16, Jaipur Platform 1, Agra Platform 1, Ahmedabad Platform 1 and Kolkata (Sealdah Platform 8)

IRCTC SBI Platinum Credit Card
  • Card Type: Cashback
  • Joining Fee: Rs 500+GST
  • Annual Fee: Rs 300+GST
  • Annual Fee Waiver: Not Available
  • Best Use: IRCTC AC Class Bookings
  • IRCTC Railway Lounge Access: 4 visits/year

IRCTC SBI Card Premier

IRCTC SBI Card Premier also offers up to 10% value back on IRCTC bookings. The added benefit of this card over the Rupay IRCTC card above is the milestone rewards on annual spending. This card also gets twice the number of complimentary visits than the IRCTC SBI Platinum Card.

The list of eligible IRCTC railway lounges for complimentary access with IRCTC SBI Platinum credit card are located at: New Delhi Platform 16, Jaipur Platform 1, Agra Platform 1, Ahmedabad Platform 1 and Kolkata (Sealdah Platform 8)

IRCTC SBI Premier Credit Card
  • Card Type: Cashback
  • Joining/Annual Fee: Rs 1499+GST
  • Annual Fee Waiver: Not Available
  • Best Use: IRCTC AC Class Bookings
  • IRCTC Railway Lounge Access: 8 visits/year

IRCTC BoB RuPay Credit Card

IRCTC BoB credit card is very similar to the IRCTC SBI Platinum credit card that we listed above. It offers up to 10% value back on AC bookings while offering complimentary railway lounge access.

The list of eligible IRCTC railway lounges for complimentary access with IRCTC BoB credit card are located at: Jaipur Platform 1, New Delhi Platform 1 and 16, Jaipur Platform 1, Agra Platform 1, Ernakulam, Ahmedabad Platform 1, Madurai Platform 1 and Kolkata (Sealdah Platform 8).

IRCTC BoB Rupay Credit Card
  • Card Type: Cashback
  • Joining Fee: Rs 500+GST
  • Annual Fee: Rs 350+GST
  • Annual Fee Waiver: Not Available
  • Best Use: IRCTC AC Class Bookings
  • IRCTC Railway Lounge Access: 4 visits/year

HDFC Bank RuPay IRCTC Credit Card

The HDFC Bank RuPay IRCTC credit card is better than the SBI and BoB IRCTC cards when it comes to rewards. It offers a 10% value on all classes of railway booking including sleeper class.

The list of eligible IRCTC railway lounges for complimentary access with HDFC Bank IRCTC credit card are located at: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 1 and 16, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8) and Varanasi Platform 1.

HDFC Bank Rupay IRCTC Credit Card
  • Card Type: Cashback
  • Joining/Annual Fee: Rs 500+GST
  • Annual Fee Waiver: Not Available
  • Best Use: IRCTC AC Class Bookings
  • IRCTC Railway Lounge Access: 4 visits/year

MakeMyTrip ICICI Bank Platinum Credit Card

This is a decent co-branded card from ICICI Bank. We get equivalent benefits against the joining fee and there is no renewal fee from the second year onwards.

The list of eligible IRCTC railway lounges for complimentary access with MakeMyTrip ICICI Bank Platinum credit card are located at these stations: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 16 and 1, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8) and Varanasi Platform 1.

MakeMyTrip ICICI Bank Platinum Credit Card
  • Card Type: Rewards
  • Joining Fee: Rs 500+GST
  • Annual Fee: Zero
  • Annual Fee Waiver: Not Applicable
  • Best Use: Instant discount offers
  • IRCTC Railway Lounge Access: 4 visits/year

MakeMyTrip ICICI Bank Signature Credit Card

This is a better card than the MakeMyTrip ICICI Bank Platinum card for rewards. We get equivalent benefits against the joining fee and there is no renewal fee from the second year onwards.

The list of eligible IRCTC railway lounges for complimentary access with MakeMyTrip ICICI Bank Signature credit card are located at these stations: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 16 and 1, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8) and Varanasi Platform 1.

MakeMyTrip ICICI Bank Signature Credit Card
  • Card Type: Rewards
  • Joining Fee: Rs 2500+GST
  • Annual Fee: Zero
  • Annual Fee Waiver: Not Applicable
  • Best Use: Instant discount offers
  • IRCTC Railway Lounge Access: 4 visits/year

ICICI Bank Rubyx Credit Card

Just like Coral, the Rubyx card also does not offer good rewards. So, do not get this card by paying a fee just for the railway lounge access.

The list of eligible IRCTC railway lounges for complimentary access with ICICI Bank Rubyx credit card are Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 16 and 1, Jaipur Platform 1, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8) and Varanasi Platform 1.

ICICI Bank Rubyx Credit Card
  • Card Type: Rewards
  • Joining Fee: Rs 3000+GST
  • Annual Fee: Rs 2000+GST
  • Annual Fee Waiver: Rs 3 Lakh spend
  • Best Use: Instant discount offers
  • IRCTC Railway Lounge Access: 8 visits/year

AU Bank Zenith Credit Card

The list of eligible IRCTC railway lounges for complimentary access with AU Bank Zenith credit card are located at: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 1 and 16, Old Delhi Platform 5, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8), Chennai Platform 6-7 and Varanasi Platform 1.

AU Bank Zenith Credit Card
  • Card Type: Rewards
  • Joining/Annual Fee: Rs 7999+GST/LTF
  • Annual Fee Waiver: Rs 5 Lakh spend
  • Best Use: Retail spends and merchant offers
  • IRCTC Railway Lounge Access: 8 visits/year

AU Bank Vetta Credit Card

The list of eligible IRCTC railway lounges for complimentary access with AU Bank Vetta credit card are located at: Asansol Platform 2 and 5, Durgapur Platform 1, Jaipur Platform 1, New Delhi Platform 1 and 16, Old Delhi Platform 5, Agra Platform 1, Ahmedabad Platform 1, Madurai Platform 1, Kolkata (Sealdah Platform 8), Chennai Platform 6-7 and Varanasi Platform 1.

AU Bank Vetta Credit Card
  • Card Type: Rewards
  • Joining/Annual Fee: Rs 2999+GST/LTF
  • Annual Fee Waiver: Rs 1.5 Lakh spend
  • Best Use: Retail spends and merchant offers
  • IRCTC Railway Lounge Access: 8 visits/year

Consolidated List of Credit Cards

Credit CardComplimentary Railway
Lounge Visits/Quarter
All IDFC First Bank Credit Cards4
IRCTC SBI Platinum Card1
IRCTC SBI Card Premier2
IRCTC BoB Rupay Credit Card1
HDFC Bank Rupay IRCTC Credit Card1
ICICI Bank Coral Credit Card1
MakeMyTrip ICICI Bank Platinum Credit Card1
MakeMyTrip ICICI Bank Signature Credit Card1
ICICI Bank Rubyx Credit Card2
AU Bank Zenith Credit Card2
AU Bank Vetta Credit Card2
AU Bank Altura Credit Card2
AU Bank Altura Plus Credit Card2
Best Credit Cards with Railway Lounge Access

Final Thoughts

It is good to see many credit cards with railway lounge access. While the list of lounges for complimentary access is limited for now, it is sure to increase in the future. IDFC First Bank credit cards are LTF and offer the highest number of visits in this entire list. It offers good rewards for spends as well.

In addition to IDFC First Bank credit cards, you can also look at the LTF AU Altura and Altura Plus credit cards if you need more complimentary visits to railway lounges.

Frequently Asked Questions

Axis Bank My Zone Credit Card LTF
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7 thoughts on “10+ Best Credit Cards with Railway Lounge Access”

  1. SK SADIKUR RAHAMAN

    IDFC CREDIT CARDS ARE NOT ACCEPTED IN SEALDAH AND HOWRAH RAILWAY STATION.

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