In the bustling world of travel, where journeys often entail long hours and multiple connections, the concept of comfort takes on an entirely new significance. Enter the realm of “Railway Lounge Access” – a travel perk that promises respite and relaxation amidst the whirlwind of train travel. Just as airports offer lounges to elevate the flying experience, many railway stations around the world have embraced the idea of providing dedicated lounges to travelers, offering an oasis of tranquility, modern amenities, and personalized services.

Credit Cards With Complimentary Railway Lounge Access

Credit cards have become more than just financial tools; they have evolved into gateways to a realm of exclusive privileges and experiences. Among these benefits, one that stands out is the provision of complimentary railway lounge access. Just as airport lounges have become synonymous with pre-flight relaxation and premium services, credit card holders are now being treated to a similar experience at railway lounges. This unique benefit provides travelers with a serene and comfortable environment amidst the bustling railway stations, allowing them to unwind before embarking on their journeys. These exclusive lounges offer an array of amenities, from comfortable seating and refreshments to high-speed Wi-Fi and dedicated customer service. The provision of complimentary railway lounge access not only enhances the travel experience but also reflects a shift towards catering to the diverse needs of cardholders. As more credit card providers embrace this innovative feature, it’s transforming the way individuals perceive their journeys, making travel not just a means to an end, but a delightful experience from start to finish.

Facilities of Complimentary Railway Lounge Access

The complimentary railway lounge access typically includes the following facilities:

Two-Hour Stay: You can stay in the lounge for up to two hours during your visit.
Buffet Meal: Depending on the time of your visit, you’ll be provided with a buffet meal, which could be breakfast, lunch, or dinner.
Free Wi-Fi: You can connect to the lounge’s Wi-Fi network for free to browse the internet or stay connected.
Air-Conditioned Seating: The lounge area is equipped with comfortable seating in an air-conditioned environment.
Reading Materials: Magazines and newspapers are available for you to read and pass the time.
Unlimited Coffee and Tea: You can enjoy unlimited servings of coffee and tea.

It’s important to note that any additional services or features beyond these basic facilities, such as recliners, might come with an extra charge as per the lounge’s policies. The availability of these facilities can vary between different lounges and credit card providers.

List of Best Credit Cards With Complimentary Railway Lounge Access

This curated list highlights some of the best credit cards that offers exclusive perk, transforming mundane waits at train stations into luxurious experiences. From the hustle of daily commutes to the grandeur of long journeys, these credit cards not only make travel more pleasant but also reward you with benefits that extend beyond the tracks. So, here we explore this compilation to discover the best credit cards that seamlessly blend seamless transit with premium relaxation.

IRCTC SBI Platinum Card

The IRCTC SBI Platinum Card is a travel-oriented credit card collaboration between IRCTC and SBI. Offering a range of welcome benefits and rewards, this card is tailored to meet the needs of frequent travelers. Alongside its money-saving features, it accumulates reward points that can be put to good use. Specifically designed for those who frequently journey on Indian Railways, the IRCTC SBI Platinum Card is a valuable addition for individuals seeking a convenient and rewarding travel experience.

Key Highlights of IRCTC SBI Platinum Card

  • Joining Fee: Rs 500 plus applicable taxes.
  • Renewal Fee: Rs 300 plus applicable taxes.
  • Welcome Benefits: Earn a fantastic bonus of 350 rupees when you make just one transaction of 500 rupees or more within 45 days of activating your credit card. Plus, enjoy a cashback of 100 rupees when you use an ATM for cash withdrawal for the first time.
  • Railway lounge program: 4 complimentary railway lounge access in a year, maximum 1 per quarter.
  • Value back benefits: This card also gives you a 10% value back, which means you get reward points equal to 10% of the money you spend on bookings through irctc.co.in and the IRCTC mobile app.
  • Save on Transactions: Save on 1% transaction charges on ticket bookings via the official irctc website.
  • Wide Hotel Accommodation Network: Enjoy access to accommodation in over 5,000 hotels located across 350 cities.

IRCTC SBI Card Premier

The IRCTC SBI Card Premier is a fantastic choice for travel enthusiasts. This card offers a range of exciting benefits, making it a valuable companion for your journeys. With rewards for every purchase, you’ll be earning treats while you shop. Notably, this card lets you save money and provides up to 10% value back on IRCTC bookings, which is a great way to get more out of your travel expenses. What sets the IRCTC SBI Card Premier apart is its milestone rewards based on your annual spending, adding an extra layer of benefits. Moreover, it’s worth highlighting that this card provides twice the number of complimentary visits compared to the IRCTC SBI Platinum Card, making it a standout option for those seeking both travel perks and financial advantages.

Key Highlights of IRCTC SBI Card Premier

  • Joining Fee: Rs. 1,499 plus applicable taxes.
  • Renewal Fee: Rs. 1,499 plus applicable taxes.
  • Welcome Benefits: A welcome gift of 1,500 reward points.
  • Railway lounge program: Complimentary access to railway lounges 8 per year, maximum 2 per quarter.
  • Value back benefits: This card gives you a 10% value back, which means you get reward points equal to 10% of the money you spend on bookings through irctc.co.in and the IRCTC mobile app.
  • Wide Hotel Accommodation Network: Enjoy access to accommodation in over 5,000 hotels located across 350 cities.
  • Dining and Utility Rewards: When you spend Rs. 125 on dining and utility expenses, you’ll earn 3 reward points. Plus, for every Rs. 125 spent on things other than fuel, you’ll get 1 reward point.
  • Exciting Bonus Points: When you reach a certain spending level, you’ll receive a special treat. Hit the milestone spend and you can pocket up to 5,000 bonus reward points.

IRCTC BoB RuPay Credit Card

The IRCTC BoB RuPay Credit Card is a fantastic addition to the world of travel and convenience. This card, brought to you by Bank of Baroda and IRCTC, offers a seamless blend of benefits. With features like up to 10% value back on AC bookings, it brings savings to your train journeys. Moreover, the added perk of complimentary access to railway lounges ensures that your travel experiences are comfortable and relaxed. This card is a true companion for those who seek both value and comfort while exploring the railways of India.

Key Highlights of IRCTC BoB RuPay Credit Card

  • Joining Fee: Rs.500 (plus applicable taxes)
  • Renewal Fee: Rs 350 (plus applicable taxes)
  • Welcome Benefits: Get 1000 Bonus Reward Points when you spend Rs. 1000 in a single transaction within 45 days of getting the card.
  • Savings on Train Tickets: Save 1% on transaction charges when you book train tickets on the IRCTC website or app.
  • Lounge Access: Enjoy 4 free lounge visits every year – that’s one every 3 months.
  • Booking Rewards: Earn 40 reward points for every Rs. 100 spent on booking tickets on the IRCTC website.
  • Groceries and Stores: Get 4 reward points for every Rs. 100 spent on groceries and departmental stores.
  • Miscellaneous Purchases: Earn 2 reward points for every Rs. 100 spent on other types of shopping.
  • Eligibility:
    If you live in India.
    If you have a job or are self-employed, with an income of at least ₹3.6 L if you’re salaried or ₹4.8 L if you’re self-employed.
    If you’re between 21 and 65 years old (for the main cardholder) or over 18 years old (for add-on cardholders).

IDFC FIRST Bank Select Credit Card

The IDFC FIRST Bank Select Credit Card stands as a prominent offering within IDFC Bank’s range of financial products. Designed to cater to diverse needs, this credit card comes with a host of benefits that span across various lifestyle aspects. From travel perks to shopping rewards, the IDFC FIRST Bank Select Credit Card offers a well-rounded experience for its users. With its array of features and advantages, this card is tailored to enhance the overall financial journey of its holders, making it a notable choice in the realm of credit cards.

Key Highlights of IDFC FIRST Bank Select Credit Card

  • Joining Fee: NIL
  • Renewal Fee: NIL
  • Welcome Benefits: Get Rs. 500 worth of vouchers as welcome gifts based on your spending in the first 90 days. Also, enjoy 5% cashback on EMI transactions in the first 30 days.
  • Dine for Less: Get 20% off at over 1,500 restaurants when you dine out.
  • Relax at Lounges: Enjoy 4 free railway lounge visits every quarter for a comfy wait.
  • Rewards: Get 10 times the rewards for every Rs. 125 spent on purchases over Rs. 25,000.
  • Worldwide Airport Greetings: Experience meet and greet services at airports in over 450 destinations globally.
  • Eligibility: Annual income of Rs 12 Lakhs or more.

IDFC FIRST Bank Millennia Credit Card

The IDFC FIRST Bank Millennia Credit Card is a fantastic financial tool designed to cater to the modern lifestyle of young and dynamic individuals. Packed with a host of benefits, this card is an ideal companion for those who value rewards and convenience. With its focus on rewarding every expenditure, this credit card transforms everyday spending into opportunities to earn and redeem points. Whether it’s shopping, dining, or entertainment, the Millennia Credit Card offers tailored advantages for various aspects of life. Additionally, its user-friendly features and low-interest rates make it an appealing choice for those new to the world of credit cards. It’s not just a card; it’s a gateway to a rewarding and hassle-free financial experience.

Key Highlights of IDFC FIRST Bank Millennia Credit Card

  • Joining Fee: NIL
  • Renewal Fee: NIL
  • Welcome Benefits: Get a 5% cashback on your first EMI spend (up to Rs. 1000), and score extra welcome gift vouchers worth Rs. 500 if you spend Rs. 15,000 within 90 days of getting the card.
  • Dine in Style: Enjoy a cool 20% off at more than 1,500 restaurants all across the country.
  • Catch your favorite films for less with a 25% discount on movie tickets once a month on Paytm (up to Rs. 100).
  • Complimentary railway lounge access 4 times a quarter.
  • Eligibility: Annual income of Rs 3 Lakhs or more.

IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Bank Wealth Credit Card stands as a pinnacle of premium offerings in the credit card realm. Combining a suite of exceptional benefits, it provides unrivaled travel advantages, perpetual rewards, and enticing lifestyle perks. With a remarkably low-interest rate, this card sets itself apart in the financial landscape. What’s more, it arrives without any annual or joining fees, offering a truly seamless experience. From the privilege of “buy one, get one” movie tickets to exclusive dining offers, the IDFC FIRST Bank Wealth Credit Card is a symbol of opulence tailored to cater to the diverse needs of the discerning modern consumer.

Key Highlights of IDFC FIRST Bank Wealth Credit Card

  • Joining Fee: NIL
  • Annual Fee: NIL
  • Welcome Benefits: Get a welcome voucher worth ₹500 when you spend ₹15,000 or more in 90 days after getting the card. Also, score 5% cashback (up to ₹1000) on your first EMI within 30 days of card activation.
  • Worldwide Cash Withdrawal: You can take out cash without interest anywhere in the world.
  • Dining Delight: Enjoy a tasty 20% off at more than 1,500 restaurants.
  • Complementary access to railway lounges and domestic and international airport lounges 4 per quarter.
  • Eligibility: If you make ₹36 Lakhs or more annually, this card is for you.

IDFC FIRST Bank Classic Credit Card

The IDFC FIRST Bank Classic Credit Card is a prime example of a card that blends convenience and benefits seamlessly. With a range of features tailored to cater to diverse needs, this card offers a bouquet of rewards, impressive discounts, insurance coverage, and a low-interest rate. What sets it apart is its user-friendly nature, ensuring a reliable and hassle-free experience. Furthermore, this card doesn’t just stop at financial benefits; it extends its perks to entertainment and dining realms, making it a versatile companion for various occasions. From its robust benefits to its fee-free lifetime validity, the IDFC FIRST Bank Classic Credit Card stands as a testament to practicality and value.

Key Highlights of IDFC FIRST Bank Classic Credit Card

  • Joining Fee: NIL
  • Annual Fee: NIL
  • Welcome Benefits:
    Get a cool gift voucher worth Rs. 500 when you spend Rs. 15,000 or more in the first 90 days.
    Score a 5% cashback on your first EMI transaction within 90 days of getting the card.
  • Comfy Lounges: Enjoy a comfy time with 16 free railway lounge visits every year, 4 per quarter.
  • Watch movies at 25% off (up to Rs. 100) on Paytm once a month.
  • Delicious Discounts: Enjoy tasty meals at a 20% discount with the card.
  • Rewards: Get 3 reward points for offline spending of Rs. 150, and a whopping 6 reward points for online spending of the same amount.
    On your birthday, earn 10 reward points for every Rs. 150 spent.
  • Eligibility: Annual income of Rs 3 Lakhs or more.

ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card is a unique and accessible option designed primarily for newcomers to the world of credit. With its distinct gemstone-inspired design, this card offers a range of lifestyle privileges. These include attractive rewards, access to airport and railway lounges, movie discounts, and special offers related to dining, entertainment, and travel. Available in different variants such as Visa, Mastercard, and AmEx, this card allows users to choose according to their preference. With a modest annual fee, the ICICI Bank Coral Credit Card is an excellent choice for individuals seeking an uncomplicated yet beneficial credit card experience.

Key Highlights of ICICI Bank Coral Credit Card

  • Joining Fee: Rs 500 (plus applicable taxes)
  • Renewal Fee: Rs 500 (plus applicable taxes)
  • Movie & Dining: You can get a 25% discount on movie tickets (up to Rs. 100) when you book them on BookMyShow or INOX. You can do this two times a month.
    When you dine out, you can enjoy up to a 15% discount.
  • Rewards:
    For every Rs. 100 you spend on things like utilities and insurance, you get 1 Reward Point.
    If you spend Rs. 100 on other things, you get 2 Reward Points.
    You can use these Reward Points for different things, like shopping, and you can also get cash back. 1 Reward Point equals Re. 0.25.
  • Railway lounge benefits: Avail of 1 complimentary railway lounge in a quarter. Applicable for participating lounges only.

ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is a versatile financial companion that brings together a range of exciting privileges. This card is a perfect fit for avid travelers, offering a host of travel-related benefits and perks that enhance the journey experience. From travel benefits to lifestyle advantages, the ICICI Bank Rubyx Credit Card goes beyond by providing free movie tickets and advantages in areas such as dining and golf. This card is designed to cater to both travel enthusiasts and those looking for rewarding shopping experiences, making it a well-rounded choice for individuals seeking more from their credit card.

Key Highlights of ICICI Bank Rubyx Credit Card

  • Joining Fee: Rs 3000 (plus applicable taxes)
  • Renewal Fee: Rs 2000 (plus applicable taxes)
  • Welcome Benefits: You’ll receive vouchers for travel and shopping, worth more than Rs. 5,000 as a welcome gift.
  • Railway Lounge Benefits: You can use 2 free railway lounge visits every quarter, but this only works at specific lounges.
  • Movie Discounts: Whenever you book at least 2 movie tickets together on BookMyShow or INOX, you can get a 25% discount, up to Rs. 150. You can do this twice a month.
  • Dining Discounts: There are special discounts on dining through the ICICI Bank Culinary Treats Program.
  • Reward Points: You earn 2 reward points for every Rs. 100 you spend on things in India, and 4 reward points for every Rs. 100 you spend internationally.
  • Utilities and Insurance: For every Rs. 100 you spend on utilities and insurance, you get 1 reward point.

MakeMyTrip ICICI Bank Platinum Credit Card

The MakeMyTrip ICICI Bank Platinum Credit Card is a special collaboration between MakeMyTrip and ICICI Bank. This card is designed to be a valuable companion for travelers, offering various benefits and rewards tailored to travel needs. Beyond its travel perks, the card also comes with additional advantages, making it a versatile option for those looking to make the most of their spending while enjoying the convenience of a credit card.

Key Highlights of MakeMyTrip ICICI Bank Platinum Credit Card

  • Joining Fee: Rs 500 (plus applicable taxes)
  • Annual Fee (Second year onwards): NIL
  • Welcome Benefits: You get Rs. 500 My Cash (a kind of money) and a MakeMyTrip holiday voucher worth Rs. 3,000 when you start using the card.
  • Railway Lounge Benefits: You can use a free railway lounge (a comfortable waiting area) once every three months. This only works at certain lounges.
  • Earning My Cash:
    When you spend Rs. 200 on booking hotels or holidays through MakeMyTrip, you get Rs. 3 My Cash.
    If you book flights through MakeMyTrip, you get Rs. 2 My Cash.
    For spending on international flights outside MakeMyTrip, you get Rs. 1.25 My Cash.
    For any other spending within India, you get Re. 1 My Cash.
  • Movie Tickets Discount: When you book two movie tickets together on BookMyShow or INOX, you get a 25% discount.
  • Dining Discounts: You can get discounts while dining at restaurants with the ICICI Bank Culinary Treats Program.

MakeMyTrip ICICI Bank Signature Credit Card

The MakeMyTrip ICICI Bank Signature Credit Card is a special collaboration between MakeMyTrip and ICICI Bank. This card is perfect for travelers, offering a range of exceptional benefits. With a focus on rewarding experiences, the card provides generous rewards for travel bookings through MakeMyTrip, including flights and hotels. Additionally, it grants access to the ICICI Bank Culinary Treats Program, discounts on movie tickets through BookMyShow and INOX, and more. This card stands out as an excellent choice for those seeking elevated travel experiences and rewards.

Key Highlights of MakeMyTrip ICICI Bank Signature Credit Card

  • Joining Fee: Rs 2500
  • Annual Fee: NIL
  • Welcome Benefits: You receive 1,500 My Cash (a type of money), a MakeMyTrip holiday voucher worth Rs. 2,500, and you’re enrolled in MMTBLACK.
  • Railway Lounge Benefits: You can use a free railway lounge once every three months. This works at specific lounges.
  • Movie Tickets Discount: When you buy two movie tickets at once on BookMyShow or INOX, you get a 25% discount.
  • International Roaming Pack: You can get an international roaming pack from Airtel that’s worth Rs.3,999. It covers you for 10 days while traveling abroad.
  • Reward for Spending:
    When you spend Rs.5 lakh, you get 4,000 My Cash.
    For spending Rs.2.5 lakh in a year, you get 1,100 My Cash as a reward.

AU Bank Vetta Credit Card

The AU Bank Vetta Credit Card offers a host of premium privileges tailored to enhance the lifestyle of cardholders. With accelerated reward points, 24×7 global concierge services, and complimentary access to both airport and railway lounges, it’s a perfect companion for those who value convenience and luxury. Designed for travelers and avid shoppers, the card comes with valuable benefits including airport and railway lounge access, insurance coverage, and a range of additional add-ons such as welcome bonuses, reward points, memberships, and annual bonuses. The AU Bank Vetta Credit Card is a true embodiment of elevated experiences and exclusive offerings.

Key Highlights of AU Bank Vetta Credit Card

  • Joining Fee: Rs 2,999 (plus applicable taxes)
  • Annual Fee: Rs 2,999 (plus applicable taxes)
  • Welcome Benefits: Get vouchers worth Rs. 2,000 from top brands when you spend at least Rs. 30,000 within 60 days of getting the card.
  • Railway Lounges: Enjoy 2 free lounge entries every three months using your VISA Card at railway stations.
  • Reward Points for Spending:
    When you spend Rs. 50,000 on shopping in a quarter, you get 500 reward points.
    On reaching Rs. 1 lakh spending in a quarter, you get an extra 1,000 rewards.
  • Zomato Pro Membership: When you spend at least Rs. 50,000 in a month, you get a Zomato Pro membership.
  • Reward Points for Bills: For every Rs. 100 you pay for utility bills, you earn 10 reward points.
  • Reward Points for Shopping: On every Rs. 100 spent on groceries and department stores, you get 4 reward points.
  • Reward Points for Miscellaneous Spending: For every Rs. 100 spent on other things (excluding fuel), you earn 2 reward points.
  • Eligibility:
    The main cardholder should be between 21 and 60 years old.
    Add-on cardholders should be over 18 years old.
    You need to be an Indian resident.

AU Bank Altura Credit Card

The AU Bank Altura Credit Card is a versatile financial tool that caters to individual spending preferences while offering a plethora of appealing benefits. From enticing cashback rewards to convenient access to railway lounges and the added security of complimentary card liability coverage, this card is designed to enhance the overall spending experience. With the AU Bank Altura Credit Card, users can confidently embrace their favorite activities and purchases, knowing they’re reaping the rewards and perks tailored to their lifestyle.

Key Highlights of AU Bank Altura Credit Card

  • Joining Fee: Rs 199 (plus applicable taxes)
  • Annual Fee: Rs 199 (plus applicable taxes)
  • Welcome Benefits: Get 5% cashback on shopping of Rs. 2,500 or more within 60 days.
  • Railway Lounges:
    Enjoy 2 free lounge entries every three months at railway stations with your VISA Card.
    Add-on cardholders can also use these lounge benefits.
  • Cashback on Expenses:
    You receive 1% cashback on other types of spending.
    Get Rs. 50 cashback on each billing cycle if you spend over Rs. 10,000.
  • Cashback for Initial Spending: You get 5% cashback if you spend Rs. 2,500 or more on shopping in the first 60 days.
  • Cashback on Specific Expenses: Gain 2% cashback on utility bills, groceries, and departmental store purchases.
  • Eligibility:
    The main cardholder should be between 21 and 60 years old.
    Add-on cardholders should be over 18 years old.
    You need to be an Indian resident.

AU Bank Zenith Credit Card

The AU Bank Zenith Credit Card is the epitome of premium offerings, catering to a multitude of benefits. With exclusive privileges and exceptional rewards, this card unlocks a world of unparalleled experiences. It’s the perfect companion for those who value luxury travel, exquisite dining, and rewarding shopping. Elevate your lifestyle with the AU Bank Zenith Credit Card and embrace a new level of indulgence.

Key Highlights of AU Bank Zenith Credit Card

  • Joining Fee: Rs 7,999 (plus applicable taxes)
  • Annual Fee: Rs 7,999 (plus applicable taxes)
  • Welcome Benefits:
    After 5 successful transactions, you get Zomato Pro membership.
    After your first purchase, you receive Rs. 1,000 worth of vouchers.
    Spending Rs. 1 Lakh gets you 10,000 Bonus RPs (Reward Points).
    These welcome benefits apply to retail spending within 60 days of card setup.
  • Railway Lounges:
    Enjoy 2 free lounge entries every three months using your VISA Card at railway stations.
    Add-on cardholders can also use these lounge benefits.
  • Reward Points for Dining: For every Rs. 100 spent on dining, you earn 20 reward points.
  • Reward Points for International Transactions, Groceries, and Stores: On every Rs. 100 spent on international transactions, groceries, and departmental stores, you get 10 reward points.
  • Reward Points for Miscellaneous Spending: For every Rs. 100 spent on other things (excluding fuel), you earn 5 reward points.
  • Birthday Bonus: On your birthday, if you complete 1 retail transaction, you get 2,500 reward points.
  • Complimentary Taj Epicure Membership: By spending Rs. 8 lakhs with the card in a year, you get a free Taj Epicure membership.
  • Eligibility:
    The main cardholder should be between 21 and 60 years old.
    Add-on cardholders should be over 18 years old.
    You need to be an Indian resident.

AU Bank Altura Plus Credit Card

The AU Bank Altura Plus Credit Card is a gateway to a world of benefits and rewards. With milestone gains, cashbacks, and generous reward points, this card offers a host of exclusive privileges. From access to railway lounges to the freedom of redeeming reward points for flights or hotel bookings, the Altura Plus Credit Card combines luxury with practicality. It’s a card that ensures your spending not only earns you rewards but also opens doors to exceptional experiences.

Key Highlights of AU Bank Altura Plus Credit Card

  • Joining Fee: Rs 499 (plus applicable taxes)
  • Annual Fee: Rs 499 (plus applicable taxes)
  • Welcome Benefits: Receive a gift voucher worth Rs. 500 from top brands.
  • Railway Lounges:
    Enjoy 2 free lounge entries every three months using your VISA Card at railway stations.
    Add-on cardholders can also use these lounge benefits.
  • Cashback on Spending: Get 1.5% cash back on all in-store retail spending.
  • Reward Points on Further Spending: You earn 1 reward point for every Rs. 100 spent once you reach the maximum cashback limit.
  • Double Reward Points for Online Transactions: You get double (2x) reward points on every online transaction, and there’s no maximum limit on how many reward points you can earn.
  • Bonus Points for Monthly Spending: Spending Rs. 20,000 in a month gives you 500 bonus points.
  • Eligibility:
    The main cardholder should be between 21 and 60 years old.
    Add-on cardholders should be over 18 years old.
    You need to be an Indian resident.

HDFC Bank RuPay IRCTC Credit Card

The HDFC Bank RuPay IRCTC Credit Card is a unique financial offering that combines the strengths of three esteemed brands: HDFC Bank, RuPay, and IRCTC. This credit card presents a host of exceptional benefits to cardholders, including reward points, cashback, discounts, and various complimentary perks. It is specifically tailored to enhance the travel experience, particularly for those who frequently use Indian Railways services, and it stands as a testament to the collaborative efforts of these three prominent entities.

Key Highlights of HDFC Bank RuPay IRCTC Credit Card

  • Joining Fee: Rs 500 (plus applicable taxes)
  • Renewal Fee: Rs 500 (plus applicable taxes)
  • Welcome Benefit: When you activate the card within 37 days of getting it, you receive a welcome gift voucher worth INR 500.
  • IRCTC Lounge Benefits: You get 8 free entries to select IRCTC Executive Lounges each year (2 per quarter).
  • Transaction Charges Waived: No 1% transaction charges for payments on the IRCTC website or Rail Connect app.
  • Reward Points:
    You earn 5 reward points for every Rs. 100 spent on the IRCTC website and Rail Connect app.
    On other purchases, you get 1 reward point for every Rs. 100 spent.
  • Cashback on Ticket Booking: When booking tickets using HDFC Bank SmartBuy, you receive a 5% cashback.
  • Eligibility Criteria:
    For Salaried:
    You must be an Indian national.
    Age: Minimum 21 years and maximum 60 years.
    Gross Monthly Income: More than ₹25,000.
    For Self Employed:
    You should be an Indian national.
    Age: Minimum 21 years and maximum 65 years.
    Income: Annual ITR (Income Tax Return) should be over ₹6.0 Lakhs.