Just use Rupay Platinum/Select CCs or even DCs. PNB Rupay CCs are the best with almost NIL AMC if you use the card once every quarter. And you should be able to get a few LTF Platinum DCs with many banks (of course a AMB requirement for the account is there), but if you want unlimited access, it should be negligible.
Railway Lounges accept Priority Pass too, cards with unlimited Priority Pass lounge visits may have the benefit (like HDFC infinia), though I can't confirm it.