Lists
Credit cards with railway lounge access
18 credit cards whose banks document complimentary railway lounge visits in India, with the limits and spend conditions in the bank's own words.
Updated 16 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.
AU Small Finance Bank
Xcite Credit Card
8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations
Annual fee ₹249 + GST
Xcite Ultra Credit Card
8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations
Annual fee ₹749 + GST
BOBCARD
IRCTC Credit Card
4 complimentary access per year (1 per quarter) at partner railway lounges
Annual fee ₹350
ICICI Bank
ICICI Bank Coral Credit Card
Get 4 complimentary railway lounge access, Click here for lounge list
Annual fee ₹500 + GST
ICICI Bank Rubyx Credit Card
Get 2 complimentary access to the selected railway lounges in India every quarter
Annual fee ₹2,000 + GST
MakeMyTrip ICICI Bank Platinum Credit Card
Get 1 complimentary access to select railway lounges in India every quarter
Annual fee ₹0
IDFC FIRST Bank
FIRST Classic
Travel benefit
Complimentary access to railway lounges, four times a quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Spend to unlock
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee ₹0
FIRST Millennia
Travel benefit
4 complimentary railway lounge visits across India every quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Spend to unlock
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee ₹0
FIRST Select
4 complimentary visits to lounges at Indian railway terminals every quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee ₹0
FIRST SWYP
Travel benefit
4 complimentary railway lounge visits across India every quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Spend to unlock
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee ₹499 + GST
FIRST Wealth
4 complimentary visits to lounges at select Indian railway terminals; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee ₹0
Gaj Credit Card
Complimentary Railway Lounge Access: 4 visits every quarter at select Indian Railway Terminals
Annual fee ₹12,500 + GST
LIC Select Credit Card
4 complimentary Railway Lounge access per quarter
Annual fee There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.
Mayura Credit Card
4 complimentary railway lounge visits per quarter across India; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Annual fee The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.
SBI Card
IRCTC SBI Card Premier
8 complimentary railway lounge access in a year in India (max. 2 per quarter)
Annual fee ₹1,499 + GST
IRCTC SBI Platinum Card
4 complimentary railway lounge access in a year in India (max. 1 per quarter); complimentary access applicable only for primary cardholders
Annual fee ₹500
