Match the use case
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Decision framework
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Cards with complimentary railway-station lounge access, sometimes alongside separate airport-lounge benefits or spend conditions. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
Price the annual cost
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Read caps and exclusions
Headline rates can overstate real value when eligible spend is narrowly defined.
Verify the source
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Issuer coverage
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Published card research
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4of 4 published records visible
AU Small Finance Bank · Active
Open dossier AU Altura Credit Card
A low-fee AU cashback card with elevated value on groceries, departmental stores and utilities, plus railway-lounge access.
Annual fee₹199 + applicable taxes.
Rewards2% cashback on eligible grocery, departmental-store and utility spends; 1% on other eligible retail spends, plus ₹50 milestone cashback on ₹10,000 statement-cycle retail spend
Lounge8 complimentary railway lounge visits per year; not positioned as an airport-lounge card
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useEntry-level users who want simple everyday cashback on groceries and utilities with a low annual fee and modest waiver threshold.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU Altura+ Credit Card
A ₹499 AU card combining offline cashback, online reward acceleration, monthly milestone points and railway-lounge access.
Annual fee₹499 + applicable taxes.
Rewards1.5% cashback on eligible offline spends; 2 Reward Points per ₹100 on eligible online spends and 1 Reward Point per ₹100 on eligible offline spends after applicable cashback rules, plus 500 bonus points on ₹20,000 monthly retail spend
Lounge8 complimentary railway lounge visits per year
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useLower-to-mid spenders who want a blend of cashback and reward points without moving into a premium annual-fee tier.
2 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier ixigo AU Credit Card
A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
LoungeUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex0% forex markup on the reviewed dedicated product page
Best useTravel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU SPONT Credit Card
A low-fee AU RuPay card combining 1% eligible cashback across UPI and card transactions with railway and spend-conditioned airport lounges.
Annual fee₹299 + applicable taxes.
Rewards1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms
Lounge2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Best useUsers who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
2 first-party sourcesReviewed September 11, 2026
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