Best Railway Lounge Credit Cards of July 2025

At Credofly, we know that choosing the best free railway lounge access credit cards for your wallet can be tough since there are tons of options on the market. To simplify this process, our team has done the heavy lifting for you, compiling a current list of our top picks of the best credit cards available. 

Our curated selection features best railway lounge credit cards with premium rewards, elevated cash-back offers, impressive welcome bonuses and more. Whether you’re new to the world of credit card rewards or a seasoned traveler who’s an expert at racking up points and miles, our comprehensive guide to the best credit cards is here to help.

Check out our hand-picked, top-tier options that cater to nearly every lifestyle and match your unique preferences.

Basic Lifetime Free Credit Card

IDFC First Select Credit Card

Joining Fee
Rs. 0 + GST
Annual Fee
Rs. 0 + GST
Basic Lifetime Free Credit Card

IDFC First Wealth Credit Card

Joining Fee
Rs. 0 + GST
Annual Fee
Rs. 0 + GST
Basic Lifetime Free Credit Card

IDFC First Classic Credit Card

Joining Fee
Rs. 0 + GST
Annual Fee
Rs. 0 + GST
Railway Lounge IRCTC Card

IRCTC SBI Premier Credit Card

Joining Fee
Rs. 1499 + GST
Annual Fee
Rs. 1499 + GST
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