While most travel credit cards offer airport lounge access, railway lounge access is not usually offered. It is usually available only on co-branded railway credit cards. Here are some of the best railway lounge access credit cards:

Best Railway Lounge Access Credit Cards

Here is the list of top credit cards offering railway lounge access along with other travel benefits.

1. IDFC FIRST Millennia Credit Card

Joining Fee: Nil
Annual Fee: Nil

Key Features & Benefits:

• Up to 16 complimentary railway lounge visits every year*
• 10X reward points on birthday spends and on incremental spends above Rs. 20,000 in every month
• 3X reward points on online & offline transactions on monthly spends of up to Rs. 20,000
• 1 reward point per Rs. 150 spent on utility and insurance bill payments
• 25% off, up to Rs. 100 on movie ticket bookings through District by Zomato app, once a month

IDFC FIRST Millennia is a lifetime free credit card that offers core value-back through reward points. One of its standout features is that while most cards exclude utility and bill payments from their rewards program, this card still offers base reward rate on these categories. Apart from rewards, it also offers travel and entertainment benefits. With up to 16 railway lounge visits every year, frequent train travellers can maximize this benefit by putting their everyday spends on this card. Considering this is a lifetime-free credit card offering a higher frequency of lounge visits, decent value-back through rewards, and movie benefits, it turns out to be a well-rounded option for day-to-day spends.

*4 visits per quarter on spending Rs. 20,000 in the previous month.

2. Ixigo AU Credit Card

Joining Fee: Nil
Annual Fee: Nil

Key Features & Benefits:

• 8 complimentary domestic railway lounge access in a year
• 20 reward points for every Rs. 200 spent on train bookings via Ixigo
• No payment gateway charges on train bookings, valid twice per month
• 10% off on bus bookings via Ixigo, up to Rs. 300, once per month
• 2 complimentary domestic airport lounge visits every quarter on spending Rs. 20,000 in a quarter
• 10% discount on flight & hotel bookings via Ixigo
• Zero forex markup fee

Ixigo AU Credit Card is a travel credit card that primarily caters to train and bus bookings. Since this is a co-branded credit card, cardholders can maximize their benefits by making their travel bookings through Ixigo. Besides railway lounge access, cardholders can earn accelerated rewards on train bookings along with zero payment gateway charges, allowing frequent train travellers to save significantly on their trips. While most travel cards focus on flight and hotel bookings, this card is designed to offer higher value on train and bus travel, making it one of the best credit cards for railway lounge access.

3. AU Vetta Credit Card

Joining Fee: Rs. 2,999 + Applicable Taxes
Annual Fee: Rs. 2,999 + Applicable Taxes

Key Features & Benefits:

• Up to 8 complimentary railway lounge visits every year (Max. 2 visits per quarter)
• 1 complimentary domestic lounge visit per quarter on spending Rs. 20,000 in the previous quarter
• 1 complimentary international lounge every quarter
• 4 reward points for every Rs. 100 spent on grocery & departmental stores
• 2 reward points for every Rs. 100 spent on select merchant categories
• 1 reward point for every Rs. 100 spent on insurance and utility & telecom
• 24×7 dedicated concierge services for travel, entertainment, leisure experiences and more

AU Vetta is a rewards credit card offering accelerated value-back on everyday spends, such as groceries and departmental store purchases. In addition, cardholders can earn base reward points on categories that are often excluded, such as insurance and utility payments. Apart from the rewards program, this credit card also caters to frequent travellers by offering complimentary railway lounge visits along with domestic and international airport lounge access. Additionally, quarterly and annual milestone benefits add to its overall value. This credit card is a suitable option for consumers who prefer using their credit card for everyday spends and want to avail decent benefits around travel and rewards.

4. IRCTC SBI Card Premier

Joining Fee: Rs. 1,499 + Applicable Taxes
Annual Fee: Rs. 1,499 + Applicable Taxes

Key Features & Benefits:

• 8 complimentary railway lounge visits in a year (Max. 2 per quarter)
• 10% value-back on AC1, AC2, AC3, Executive Chair Car and Chair Car as reward points for ticket purchases via IRCTC website or mobile app (for Android only)
• Save 1% transaction charges on railway ticket bookings through www.irctc.co.in
• 5% value-back on air ticket and e-catering purchases on IRCTC
• Save 1.8% transaction charges on airline ticket bookings through air.irctc.co.in

IRCTC SBI Card Premier is a co-branded travel credit card that primarily offers benefits on IRCTC bookings. Cardholders can earn up to 10% value-back on their train ticket bookings through IRCTC along with a 1% transaction charge waiver. In addition, it offers a decent frequency of complimentary railway lounge visits, enhancing its overall value for frequent train travellers. Apart from travel, cardholders can earn 3X reward points on dining and standing instructions for utility payments. The accumulated reward points can be redeemed for IRCTC ticket purchases at a 1:1 ratio, allowing cardholders to save significantly on their travel spends.

5. IRCTC HDFC Bank Credit Card

Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

Key Features & Benefits:

• 8 complimentary railway lounge visits to select IRCTC Executive Lounges every year, capped at 2 per quarter
• 5 reward points per Rs. 100 spent on Rail Connect app and IRCTC website
• Additional 5% cashback on booking IRCTC train tickets using HDFC Bank SmartBuy
• 1% transaction charge waiver on IRCTC website and app, capped at Rs. 1,000 per month
• 1 reward point on every Rs. 100 spent on other categories

IRCTC HDFC Bank Credit Card offers accelerated rewards on train ticket bookings along with a 1% transaction charge waiver. In addition, cardholders can earn an extra 5% cashback on train ticket bookings through SmartBuy portal, leading to significant savings on IRCTC bookings while also offering a higher number of railway lounge visits. Moreover, welcome and milestone benefits worth Rs. 1,000 add to its overall value. This credit card is a suitable option for frequent train travellers who prefer to make bookings through IRCTC or via HDFC SmartBuy portal to maximize their savings.