Premium Credit Cards with IRCTC Railway Lounge Access Offers in India 2026

▶︎ Lifetime free card, with welcome offers
– You get a welcome voucher worth ₹500, on spending ₹5,000 or more within 30 days of card generation.

▶︎ On monthly card spends upto ₹20000 : 1.50% benefit on online spends (6X) || 0.75% benefit on offline spends (3X)
✓ 1.50% benefit on online spends : You earn 6 reward points worth ₹1.50, on every ₹100 you spend
✓ 0.75% benefit on offline spends : You earn 3 reward points worth 75 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.25% benefit on insurance spends & utility bill payments (1 reward point worth 25 paise, on every ₹100 you spend)
– You earn 0.75% benefit on rental spends (3 reward point worth 75 paise, on every ₹100 you spend)

▶︎ On monthly card spends above ₹20000 and on your birthday : 2.50% benefit on all spends, online as well as offline (10X)
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise
– Note : rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

▶︎ 0.25% benefit on insurance spends and utility bill payments (X)
– You earn 1 reward point worth 25 paise, on every ₹100 you spend in this category

▶︎ Complimentary golf benefits – upto 2 golf rounds per month
– You get maximum 2 free golf rounds per month (1 free round for every ₹20,000 you spend on your card in the previous month).

▶︎ Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter
– You need to spend ₹5000 on your card in the previous month, to avail this offer

▶︎ Complimentary railway lounge access – 4 times per quarter

▶︎ Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month
– You get upto ₹500 off on the 2nd ticket, on Paytm mobile app.
– This is valid 2 times per month.

▶︎ Fuel surcharge waiver, upto ₹400 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹40,000 per month (since the waiver amount is capped at ₹400 per monthly card statement cycle).

▶︎ Emergency complimentary roadside assistance (RSA) package worth ₹1399
- You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
- You can avail this benefit up to 4 times a year.

▶︎ Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

▶︎ Complimentary insurance covers
– You get a ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– You receive a ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– You get a complimentary air accident cover of ₹1 crore
– You get a complimentary travel insurance cover of USD 1200 : Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Benefits
– Premium card offering, with no annual fee (lifetime free card)
– Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– Reward rates on card spending are comparatively low.

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to airport lounges in India – 4 times per quarter

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends