Discovering the Best Credit Card for Complimentary Railway Lounge Access!

Traveling can make your experience tiring, especially if you’re stuck waiting for your train in a crowded and uncomfortable station. That’s where railway lounge access cards come in. Railway lounges are private waiting areas in railway stations that offer a comfortable and quiet place to relax before your train arrives. In this article, we’ll explore the five best credit cards for railway lounge access and travel benefits they provide to cardholders.

Railway Lounge Access

5 Best Credit Cards For Railway Lounge Access

IDFC FIRST Classic Credit Card

IDFC FIRST Classic Credit is suited for travelers and shoppers. With this card, cardholders will get several travel benefits, which include complimentary railway lounge access 14 times a year (4 per quarter).

Also, you will get complimentary roadside assistance, which is worth Rs. 1,399, four times a year. With travel benefits, you will also receive personal accident coverage of worth Rs. 2 lakhs and a lost card liability coverage of Rs. 25,000.

IRCTC SBI Card Premier

The card is best suited for those who often travel by train. With IRCTC SBI Card Premier, cardholders can get 3 RPs on every Rs. 125 spent on dining and other utility spend. Coming towards travel benefits, so cardholders will get 8 complimentary railway lounge access per year. Also, cardholders will get air accidents, railway accidents, and fraud liability coverage as well.

HDFC Bank RuPay IRCTC Credit Card

HDFC Bank RuPay IRCTC Credit Card comes with multiple travel benefits for those who love to travel by train. Cardholders will get 1 cash point for all retail spends of Rs. 100 and 5X cash points on IRCTC bookings.

You will also get 8 complimentary access to IRCTC Executive lounges, 5 RP for every Rs. 100 spent on the IRCTC ticketing website and rail connect app, and an additional 5% cashback on train ticket booking via HDFC SmartBuy.

AU Bank Xcite Ultra Credit Card

AU Bank Xcite Ultra Credit Card is best suited for travelers and shoppers. Also, you will get travel benefits of 8 complimentary railway lounge access every year. Get insurance benefit of personal accident coverage worth Rs. 50 lakhs, a purchase protection coverage worth Rs. 25,000, and a credit liability cover worth Rs. 2 lakhs.

IDFC FIRST Millennia Credit Card

This card is best suited for regular shoppers and provides various cashback and travel benefits as well. Cardholders will get a travel benefit of 4 complimentary railway lounge access and 4 roadside assistance services a year, which is worth Rs. 1,399. Also, get personal accident cover worth Rs. 2 lakhs on all active cards and a lost liability cover of Rs. 25,000.

Benefits of Railway Lounge Access Credit Cards

Credit cards with complimentary railway lounge access provide several benefits for travelers. Here are some of the top benefits of these credit cards:

  1. Comfortable waiting: Railway lounges provide a comfortable and quiet place to wait for your train. You can chill on a comfortable chair, enjoy some refreshments, and use the free Wi-Fi to catch up on work or entertainment.
  2. Cost savings: Railway lounges generally charge a fee for access, but credit cards with complimentary access can save you money.
  3. Immense facilities: Railway lounges deliver facilities such as restrooms, showers, and charging ports, making your wait much more comfortable.
  4. Travel benefits: With complimentary railway lounge access, these credit cards also provide other travel benefits such as personal accident coverage, roadside assistance, and fraud liability coverage.

Also Read: Benefits and features of the HDFC Bank Diners Club Rewardz Credit Card


If you often travel or shop, then you must look for a card that provides you both benefits. The above-mentioned cards are the best credit cards for railway lounge access, and you can simply enjoy a comfortable and stress-free travel experience. With several other benefits like personal accident coverage, roadside assistance, and fraud liability, these cards are the best choice for regular travelers.

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