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
Below is the list of facilities that are included in the complimentary railway lounge access offered by the 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)
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.
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.
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 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 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.
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 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 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).
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.
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 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.
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.
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 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.
Consolidated List of Credit Cards
Credit Card | Complimentary Railway Lounge Visits/Quarter |
---|---|
All IDFC First Bank Credit Cards | 4 |
IRCTC SBI Platinum Card | 1 |
IRCTC SBI Card Premier | 2 |
IRCTC BoB Rupay Credit Card | 1 |
HDFC Bank Rupay IRCTC Credit Card | 1 |
ICICI Bank Coral Credit Card | 1 |
MakeMyTrip ICICI Bank Platinum Credit Card | 1 |
MakeMyTrip ICICI Bank Signature Credit Card | 1 |
ICICI Bank Rubyx Credit Card | 2 |
AU Bank Zenith Credit Card | 2 |
AU Bank Vetta Credit Card | 2 |
AU Bank Altura Credit Card | 2 |
AU Bank Altura Plus Credit Card | 2 |
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
The best from this list would be any of the IDFC First Bank credit cards or AU Bank Altura/Altura+. They are all LTF and you can get them just to get complimentary railway lounge access.
The list of eligible lounges varies by credit card. So, do check the list mentioned in this article to confirm which ones are eligible.
Yes, depending on the time of visit you will get breakfast, lunch or dinner.
7 thoughts on “10+ Best Credit Cards with Railway Lounge Access”
Does American express variant of icici rubyx credit card is accepted
Yes, it should.
IDFC CREDIT CARDS ARE NOT ACCEPTED IN SEALDAH AND HOWRAH RAILWAY STATION.
Idfc is accepted now
ICICI credit card rubxy me 1 sal me kitne railway laounge access h
8 visits per year
Excuse me, but Federal Bank is not a PSB. Please make the correction