Best Credit Cards For Railway Lounge Access in India (2024)

FEATURES

• 500 bonus reward points on INR 20000 monthly spend.
• 1.5% cashback on POS transactions at retail outlets.
• 2X reward on all online transactions.

WELCOME OFFERS

• Kickstart your journey with vouchers worth ₹ 500 on minimum retail spends of ₹ 10,000 within 60 days of card setup.
• Select vouchers from the top brands of your choice from the list.
• Lounges: 2 Complimentary railway lounge access quarterly

FEATURES

• INR 50 cashback monthly on spending over INR 10,000.
• 2 free quarterly visits to railway lounges.
• 1% cashback on all other spends, max INR 50 monthly.

WELCOME OFFERS

• 5% Cashback on initial retail purchase of minimum INR 2500 with the 60 days of card issuance with a maximum of INR 150 during the statement cycle
• Movies: Buy one get one Free

FEATURES

• Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹20,000 per month.
• Collect 3X loyalty points for in-store buys up to a limit of ₹20,000 every month.
• Receive up to 4 free railway lounge entries each quarter.

WELCOME OFFERS

• Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first three months of activation.
• Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.

FEATURES

• Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹20,000 per month.
• Collect 3X loyalty points for in-store buys up to a limit of ₹20,000 every month.
• Get up to 4 free railway lounge entries each quarter.
• 4 complimentery golf rounds and 12 complimentery golf lessons per calender year.

WELCOME OFFERS

• Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first 90 days of activation.
• Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.

FEATURES

• Earn INR  1,000 shopping vouchers quarterly on INR  2 lakh retail spend.
• 5 reward points on spending INR 100 on merchant categories.
• Receive 2500 reward points on a birthday retail transaction.

WELCOME OFFERS

• Enjoy a choice of 1,000 INR  worth of vouchers with your first POS retail purchase.
• Spend INR  1 lakh within 60 days of card activation to earn 10,000 additional reward points.
• Fuel and cash-linked transactions will not be considered when calculating bonus reward points.

FEATURES

• Benefit from the MMTBLACK loyalty program.
• Get multiple joining benefits, including 1500 MyCash.
• Enjoy airport lounge access globally

WELCOME OFFERS

• New cardholders receive INR 1,500 My Cash, which is 100% usable MakeMyTrip cash in My Wallet.
• Enjoy a MakeMyTrip Holiday Voucher worth INR 2,500.
• Benefit from a complimentary MMTBLACK Exclusive membership.

FEATURES

• Earn 6X reward points on online shopping for amounts up to ₹20,000 per month.
• Enjoy 3X reward points on offline purchases for amounts up to ₹20,000 per month.
• Enjoy the benefit of 4 complimentary railway lounge access every quarter.

WELCOME OFFERS

• Receive a welcome bonus of ₹500 when you spend ₹15,000 or more within the first 90 days of your card's activation.
• Enjoy a 5% cashback, capped at ₹1,000, on the value of your first EMI transaction completed within 30 days of activating your card.

FEATURES

• Get multiple joining benefits including 500 MyCash.
• Enjoy airport lounge access.
• Get benefits worth Rs. 20000.

WELCOME OFFERS

• Enjoy Rs. 500 My Cash and a holiday voucher worth Rs. 3,000 as a welcome bonus.

FEATURES

• Earn 1 reward point for every INR 125 spent on non-fuel retail purchases, which also includes railway ticket bookings on www.irctc.co.in and the IRCTC Mobile App (Android only).
• Benefit from a 1% discount on transaction charges for railway ticket reservations made on www.irctc.co.in.
• Avail 4 complimentary railway lounge accesses annually at select lounges in India, with a maximum of 1 access per quarter.

WELCOME OFFERS

• Receive a bonus of 350 reward points by making a single transaction of INR 500 or above within the first 45 days of receiving the card.
• Note that this offer doesn't apply to fuel and cash transactions.

FEATURES

• INR 1500 vouchers on spending INR 1.5 Lakhs quarterly.
• INR 5000 flight ticket on spending INR 7.5 Lakhs.
• 4 Reward Points on every INR 150 spent, 5X on select purchases.

WELCOME OFFERS

• On spending over INR 1 Lakh within 90 days of issuing the card, you'll receive a free MMT Black Elite and Club Vistara Silver Tier membership.
• Get a gift voucher worth INR 2500.

FEATURES

• Get up to 2 reward points on INR 100 spending.
• Enjoy INR 3000 off annually at 100+ eateries.
• Worldwide access to 850+ airport lounges.

WELCOME OFFERS

• There is a multitude of benefits to choose from

FEATURES

• Earn 6 Reward Points for every INR 100 spent online.
• Enjoy 10 Reward Points per INR 100 spent after reaching monthly spends of INR 30,000 and on birthday transactions.
• Receive a 25% bonus on Reward Points when donating to charity.

WELCOME OFFERS

• Get 200000 reward points on paying the joining fees.
• Enjoy the Taj Epicure membership.

FEATURES

• 10 reward points on utility bill payment of INR 100
• Spend INR  50000 or above to get Complimentary Zomato Pro membership
• 1000 reward points on 1 retail transaction on birthday

WELCOME OFFERS

• New cardholders receive INR  2000 in vouchers for minimum retail spending of INR  30,000 within the first 60 days.
• Choose from a selection of premium brands.

FEATURES

• Gain up to 40 reward points for every Rs.100 on booking tickets on IRCTC.
• Get 4 reward points on spending Rs. 100 at grocery and retail stores.
• Enjoy a 1% fuel surcharge waiver with a maximum capping of Rs.100 per statement cycle.

WELCOME OFFERS

• Receive 1000 bonus Reward Points when you make a transaction of Rs. 1000 or more using your card within the first 45 days of card issuance.

FEATURES

• Enjoy 2.5 reward points on international spending.
• Get a 1% fuel waiver on purchasing fuel from any fuel station in India.
• Access to 1200+ lounges worldwide with the Priority Pass Program.

WELCOME OFFERS

• Pay an annual fee of Rs.2,00,000 and get your annual fees waived off.
• Movies: BOGO on booking with BookMyShow

FEATURES

• For every INR 100 spent on travel, eating, and overseas purchases, you can earn 2 reward points.
• Earn one reward point for every INR 100 on purchases from all merchant categories.
• The lowest cross-currency foreign mark-up costs are charged on all international transactions, at 0.99%.

WELCOME OFFERS

• Opportunity to select from a range of luxury brand vouchers or even reward points worth INR 5000 on the card activation
• Movies: Upto 4 BOGO tickets every quarter via BookMyShow.

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