Best Credit Cards with Airport Lounge Access in 2025
updated: Jan 09, 2025
written_by SingSaver Team
If you are considering which credit cards can offer you airport lounge access, we have the list for you.
Below, we have curated the most popular and best air miles credit cards that provide cardholders with complimentary access and entry to airport lounges worldwide.
Many people assume that access to airport lounges is a privilege reserved for regular business travellers, frequent flyers and the wealthy. That is not true!
With the right air miles credit card, you too can get complimentary access to airport lounges at Changi Airport and around the world, even if you are not pulling a six-figure salary or a VVIP.
Besides providing a place to relax before your flight, you will also get to enjoy other lounge benefits, such as free Wi-Fi, refreshments, hot showers, and much more!
Cardholders can also bring guests to enjoy these privileges as well!
Pro tip: Remember to use the correct miles credit cards to earn bonus miles on your daily spend, and maximise your air miles once you’ve earned them!
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Which credit cards are best for airport lounge access?
Citi PremierMiles Card
With the Citi PremierMiles card, cardholders will enjoy a complimentary Priority Pass membership that lets them gain global entry to Priority Pass airport lounges (over 1,400+ airport lounges worldwide) twice a year.
With the credit card, you can use the two complimentary visits on separate occasions or a single visit with a guest. Additional visits and guest passes can be purchased at US$35 per person and will be charged to your Citi PremierMiles Card.
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Pros |
Cons |
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Bonus miles earn rate on Kaligo (10 mpd) and Agoda (up to 7.2 mpd) bookings |
Average miles earn rates for local (1.2 mpd) and overseas (2.2 mpd) spending |
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Citi Miles never expire |
Annual fee of S$196.20 (waived for first-year only) |
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Up to S$1 million travel insurance coverage when you charge your travel tickets to this card |
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Two airport lounge access per year with Priority Pass at over 1,400+ airport lounges around the world (transferrable to guests) Cardholders can purchase additional passes at US$35 each. |
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Priority Pass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1 & T2), Marhaba Lounge (T1 & T3) and Blossom Lounge (T4), Ambassador Transit Lounge (T2 & T3) |
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Standard Chartered Journey Credit Card (Annual fee paying)
Love a versatile miles card that lets you earn accelerated miles at home and abroad?
Well, the newly-rebranded Standard Journey Credit Card (previously known as Standard Chartered X) rewards 1.2 miles per dollar on local spend, 2 miles per dollar on overseas spend, and a boosted 3 miles per dollar on selected local everyday spend.
It also comes with two complimentary visits to Priority Pass airport lounges around the world and up to S$500,000 complimentary travel insurance coverage, so that's nice. The passes are not transferable to guests, but you can purchase them at US$32 each.
Similar to the Citi PremierMiles card, additional visits and guest access passes can be purchased at US$32 per person and will be charged to your SCB Journey Card.
Unlike its predecessor, you only have to pay S$196.20 in annual fees.
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Pros |
Cons |
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Bonus miles earn rate (3 mpd) on online groceries, food delivery and transport (capped at S$1,000 per statement month) |
Average miles earn rates for local (1.2 mpd) and overseas (2 mpd) spending |
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Up to S$500,000 travel insurance coverage when you charge your travel tickets to this card |
Annual fee of S$196.20 (waived for first-year only) |
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360° Rewards Points never expire |
Airport lounge access is not transferable to guests, but passes can be purchased at US$32 each. |
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S$10 off Grab rides to or from Changi Airport |
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Two airport lounge access per year with Priority Pass at over 1,400 airport lounges around the world |
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Priority Pass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 and T3) and Blossom Lounge (T3 & T4). |
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SingSaver x SCB Journey Credit Card Exclusive Offer
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DBS Altitude Visa Signature Card
The DBS Altitude Visa Card is a great entry-level air miles card with an annual income requirement of just S$30,000. It comes with two free airport lounge visits per year, but you have to apply for your Priority Pass lounge membership the moment you receive your credit card in the mail.
With Priority Pass membership, you will have access to over 1,400 airport lounges worldwide.
The visits are transferable to guests, and additional passes are charged at US$35 each.
From 1 January 2021, new Priority Pass applications and renewals will only receive a Digital Priority Pass™ membership which enables access to Priority Pass airport lounges with your Priority Pass account.
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Pros |
Cons |
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Decent miles earn rates for local (1.3 mpd) and overseas spending (2.2 mpd), with min. S$2,000 spend per month |
No more bonus miles earn rate on Kaligo (10 mpd) and Expedia (6 mpd) bookings |
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Up to 5 mpd rate on online travel bookings |
Annual fee of S$196.20 (waived for first-year only) |
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DBS Points do not expire |
Have to charge a minimum of S$25,000 to your card each year to receive annual fee waiver |
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Two airport lounge access per year with Priority Pass at over 1,400+ airport lounges around the world (transferrable to guests) Cardholders can purchase additional passes at US$35 each (including for guests). |
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Priority Pass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 & T3) and Blossom Lounge (T3 & T4). |
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CIMB Visa Infinite Card
Unlike the other cards on this page, the CIMB Visa Infinite Card is the only credit card that offers cashback instead of miles.
With the CIMB Visa Infinite Card, cardholders will get to enjoy three complimentary airport lounge visits yearly, courtesy of DragonPass.
However, do note that only the principal cardholder will enjoy the complimentary visits - supplementary members and additional guest passes will be charged US$28 per lounge access.
Despite having no annual fees for life, the minimum annual income requirement is rather steep, at S$120,000. However, if you're constantly travelling due to work, you should consider picking this up as it offers 2% unlimited cashback on travel, overseas, and online spend in foreign currencies, as long as you spend S$2,000 monthly.
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Pros |
Cons |
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2% unlimited cashback for travel and overseas transactions, 1% unlimited cashback for all other retail transactions |
Minimum spend of S$2,000 to earn 2% unlimited cashback |
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Up to S$1 million complimentary travel insurance for principal cardholder and their family |
Minimum annual income: S$120,000 |
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Three airport lounge access per year with DragonPass at over 1,000 airport lounges around the world |
Airport lounge access is not transferable to guests, but passes can be purchased at US$28 each. |
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DragonPass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 & T3) and Ambassador Transit Lounge (T2 & T3). |
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Complimentary 24/7 travel concierge service |
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No annual fees for life |
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American Express Platinum Card
The AMEX Platinum Charge Card offers several attractive perks for frequent travellers, particularly in terms of complimentary airport lounge access and air miles.
Cardholders can enjoy unlimited access to over 1,300 airport lounges globally (transferrable to one guest), providing a comfortable space to unwind during travel.
The card also offers up to 20 Membership Rewards (MR) points per S$1.60 spent on transactions with select Platinum 10Xcelerator Partners, translating into 7.81 miles per dollar (mpd), and five MR points per S$1.60 on Singapore Airlines and Scoot transactions (1.95 mpd).
However, the base earn rate for general spending is comparatively low, with only two MR points per S$1.60 (0.78 mpd), which may not appeal to those looking for high rewards across all purchases.
In terms of air miles, the credit card’s no-cap and no-expiry policy on MR points offers significant flexibility for users who want to accumulate miles over time. However, the S$1,744 annual fee, along with relatively stringent income requirements, may be a drawback for some potential applicants.
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Pros |
Cons |
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20 MR points per S$1.60 spend (7.81 mpd) on Platinum 10Xcelerator Partners for up to S$16,000 spend 10 MR points per S$1.60 spend (3.91 mpd) once spend limit is reached |
Relatively low base rewards points/miles earn rate (0.69 miles per S$1.60 spent) |
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Complimentary access for you, a supplementary cardholder and one guest each to 1,400 Lounges such as The Centurion Lounge, Priority Pass, International American Express Lounges. Cardholders can purchase additional guest passes at S$30 to $50 each. |
Annual fee of S$1,744 |
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Five MR points per S$1.60 spend (1.95 mpd) with Singapore Airlines and Scoot |
Either high annual income or high net worth required, subject to AMEX's approval |
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Complimentary hotel loyalty programme upgrades |
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Complimentary one-night stay at participating hotels |
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Membership Rewards Points never expire |
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Up to 50% savings at premium dining locations with Love Dining by Platinum |
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HSBC TravelOne Credit Card
The HSBC TravelOne card is a newly launched miles credit card by HSBC in the Singapore market.
Requiring a minimum income of S$30,000, cardholders will be able to enjoy four complimentary airport lounge visits yearly with DragonPass, and these can be shared with guests. Additional airport lounge access can be purchased at US$32 for each subsequent visit by the principal cardholder or guest.
The perks do not end there - cardholders will also gain complimentary access to ENTERTAINER with HSBC, which boasts over 1,000 amazing worldwide one-for-one deals and more, and free travel insurance with Covid-19 coverage (of up to US$100,000) if they charge their air tickets to the card.
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Pros |
Cons |
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No conversion fee for air miles and hotel points redemption until 31 January 2025 |
Average miles earn rates for local (1.2 mpd) and overseas (2.4 mpd) spending |
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Instant point conversions; widest variety of transfer partners in Singapore |
Non-waivable first-year annual fee of S$196.20 |
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Four airport lounge access per year with DragonPass at over 1,000 airport lounges around the world (transferrable to guests) Cardholders can purchase additional passes at US$32 each (including for guests) |
Have to charge a minimum of S$25,000 to your card each year to receive annual fee waiver for the following year |
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DragonPass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 & T3) and Ambassador Transit Lounge (T2 & T3). |
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Free membership to ENTERTAINER with HSBC |
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Up to US$100,000 complimentary travel insurance for principal cardholder and their family |
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Enjoy exclusive perks such as Dyson Supersonic, iPad 10th Gen, S$198 Cash + S$150 eCapitaVoucher, or a Sony WF-1000XM5 when you apply for an HSBC TravelOne Credit Card via SingSaver, pay the annual fee and fulfil other promo criteria. Valid till 26 January 2025. T&Cs apply.
Plus, win a mystery bonus red packet worth up to S$8,888 when you apply during our Sure Win, Sure Huat Campaign! Valid till 26 January 2025. T&Cs apply.
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Standard Chartered Visa Infinite Credit Card
The Standard Chartered Visa Infinite Credit Card is one of the most exclusive travel credit cards in Singapore. Similar to the DBS Altitude Cards and the Citi PremierMiles Visa Card, you get a complimentary Priority Pass membership. But because this is a Visa Infinite Card, members get six (instead of two) free access to airport lounges a year, and can be transferred to one guest.
Additional guest passes can be purchased at US$32 per person, which will be chargeable for every subsequent visit after the six Priority Pass Free Visits.
Unless you are a Priority/Private Banking customer with Standard Chartered, you have to earn a minimum annual income of S$150,000 to apply for this card.
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Pros |
Cons |
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Decent miles earn rates for local (1.4 mpd) and overseas spending (3 mpd), with min. S$2,000 spend per month |
Base earn rate of 1 mpd if min. monthly spend is not met |
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360º Rewards Points never expire |
Non-waivable annual fee of S$599.50 |
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Up to S$1 million travel insurance coverage when you charge your travel tickets to this card |
Minimum annual income: S$120,000 |
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Six airport lounge access per year with Priority Pass at over 1,400+ airport lounges around the world (transferrable to one guest only) Cardholders can purchase additional passes at US$32 each (including for guests) |
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Priority Pass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 & T3) and Blossom Lounge (T3 & T4). |
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24/7 Visa Concierge service |
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Premium hotel benefits and privileges with Visa Luxury Hotel Collection* (Valid till 31 Dec 2023) |
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S$20 member credits for Home-Based Health Screening Packages (from S$98) |
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HSBC Visa Infinite Credit Card
It is easy to see why the HSBC Visa Infinite Card is the crème de la crème of travel credit cards. Both primary and supplementary cardholders get complimentary unlimited access to any of the participating airport lounges.
This gives cardmembers unlimited access to over 1,100 VIP airport lounges worldwide via LoungeKey, while guest charges cost just US$35 per person per visit. Other additional perks include expedited immigration clearance and airport limousine transfers.
To apply for this card, you have to earn a minimum annual income of S$120,000.
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Pros |
Cons |
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Unlimited airport lounge access to over 1,100 airport lounges worldwide for both primary and supplementary cardholders with LoungeKey |
Average miles earn rates for local (1.25 mpd) and overseas (2.25 mpd) spending on Year 1 |
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LoungeKey Lounges can be found in every terminal at Changi Airport. |
Annual fee of S$662.15 (S$492.56 for HSBC Premier customers) |
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Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1), Marhaba Lounge (T1 & T3) and Ambassador Transit Lounge (T2 & T3). |
No annual fee waiver option available |
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Complimentary limousine transfer and expedited immigration clearance* *Must spend min. S$2,000 within calendar month to qualify for complimentary limousine service and expedited immigration clearance |
Minimum annual income: S$120,000 |
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Up to US$2 million complimentary travel insurance for principal cardholder and their family |
Airport lounge access is not transferable to guests, but passes can be purchased at US$35 each. |
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Free membership to ENTERTAINER with HSBC |
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OCBC Voyage Card
With an annual income requirement of at least S$120,000, the OCBC Voyage Card offers unlimited airport lounge access all year round. Cardholders will receive a complimentary DragonPass membership that grants access to over 1,000 airport lounges across the globe.
Supplementary cardholders get two complimentary visits, and additional visits will be charged at US$32 each. Unfortunately, none of these passes are transferable to guests.
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Pros |
Cons |
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Decent miles earn rates for local (1.3 mpd) and overseas spending (2.2 mpd), with min. S$2,000 spend per month |
Annual fee of S$497.06 |
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VOYAGE Miles do not expire |
Have to charge a minimum of S$60,000 to your card each year to receive annual fee waiver |
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Unlimited airport lounge access to over 1,000 DragonPass lounges, and two complimentary visits for supplementary cardholders |
Airport lounge access is not transferable to guests. |
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VIP Lounges can be found in Terminals 1, 3 and 4 in Singapore Examples: Plaza Premium Lounge (T1 & T3), Blossom Lounge (T4), and SATS Premier Lounge (T3) |
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Complimentary airport transfer service with min S$12,000 spend per calendar quarter |
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24/7 VOYAGE Exchange Concierge |
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Citi Prestige Card
With an annual income requirement of at least S$120,000, the Citi Prestige Card offers unlimited airport lounge access all year round and can be transferred to one guest. Additional passes will cost US$35 each.
Cardholders will receive a complimentary Priority Pass membership, which grants access to hundreds of airport lounges across the globe.
Not only that, the Citi Prestige Card also offers an array of premium travel and lifestyle privileges such as a complimentary night stay at any hotel or resort (min. 5D4N stay), Four Hands dining perks, up to S$1 million complimentary travel insurance coverage, six complimentary golf games across Asia, and more!
The only downsides to these perks are the higher annual fee and the lack of an annual fee waiver.
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Pros |
Cons |
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No minimum spend needed to start earning miles worldwide |
Relatively lower miles earn rate for local (1.3 mpd) and overseas spending (2 mpd) |
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One complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort with no redemption limits |
Annual fee of S$545 |
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Citi ThankYou Points do not expire |
Airport lounge access is limited to Priority Pass membership |
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Exclusive Four Hands Dining privileges |
No complimentary annual fee waiver |
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Unlimited airport lounge access to over 1,400 Priority Pass airport lounges worldwide for both primary cardholders and one guest Cardholders can purchase additional passes at US$35 each (including for guests) |
Airport limo transfers have high minimum spend requirement |
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Priority Pass lounges can be found in every terminal at Changi Airport. Examples: Changi Lounge (Jewel), SATS Premier Lounge (T1 to T3), Plaza Premium Lounge (T1 & T2), Marhaba Lounge (T1 & T3) and Blossom Lounge (T4), Ambassador Transit Lounge (T2 & T3) |
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Up to S$1 million complimentary travel insurance coverage when you charge full travel fare to card - Specifically covers personal accident, death & permanent disability, overseas medical expenses, and travel inconvenience benefits |
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Two complimentary airport limousine transfers per quarter with minimum S$12,000 spend within same quarter |
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Six complimentary golf games at top-notch golf courses across Asia: Three games in Singapore and three games regionally (Malaysia, Indonesia, and China) |
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24/7 VOYAGE Exchange Concierge |
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Complimentary Sands LifeStyle membership upgrade to Prestige tier when you present your card at any Sands LifeStyle Counter at MBS |
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Mastercard®️ World Elite travel and dining benefits |
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SingSaver x Citi Prestige Card Exclusive Offer
Score a Dyson Supersonic, iPad 10th Gen, Samsonite Straren Spinner 67/24 + 2X AirTag, 20K Heymax Miles, or S$378 Cash when you apply for a Citi Prestige Credit Card via SingSaver and spend a minimum of S$500 within 30 days of card approval. Valid till 31 January 2025. T&Cs apply.
Plus, win a mystery bonus red packet worth up to S$8,888 when you apply during our Sure Win, Sure Huat Campaign! Valid till 26 January 2025. T&Cs apply.
Air miles credit cards comparison at a glance
Now that you know which credit cards offer complimentary airport lounge access, why not get rewarded when you sign up for a credit card?
Comparing credit cards with the most generous air miles rates has never been simpler at SingSaver. In fact, when you apply with us, you will enjoy the best rewards, prices, and offers, always!
Besides complimentary airport lounge visits, air miles cards can offer a lot more if you know how to turbocharge their use to travel further, faster and cheaper.
Still unsure of which credit cards to apply for? Compare the best credit cards in Singapore with our simple comparison tool and get rewarded with exclusive promotions and gifts today!
Before flying off to your next adventure, be sure to compare and get the best travel insurance for your trip!
Types of airport lounge access programmes
Looking to choose a credit card with airport lounge access? It will help to know the popular airport lounge programmes globally, so you can decide which ones better suit your travel needs and pick the right card:
Priority Pass Lounges
Priority Pass Lounges are a network of over 1,700 airport lounges globally. At Changi Airport, eligible credit card holders can access these lounges at the respective locations:
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Changi Lounge: Jewel Changi Airport
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Plaza Premium Lounge: Terminal 1,
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Marhaba Lounge: Terminal 1, Terminal 3
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SATS Premier Lounge: Terminal 1, Terminal 2, Terminal 3
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Ambassador Transit Lounge: Terminal 2, Terminal 3
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Blossom Lounge: Terminal 4
If you do not have a credit card offering access to the above airport lounges, you can apply to be a Priority Pass member with any of these packages:
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Standard (for occasional travellers): US$99/year for US$35 per visit
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Standard Plus (for regular travellers): US$329/year for 10 free visits, and US$35 thereafter per visit
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Prestige (for frequent travellers): US$469/year for free visits
Plaza Premium and SATS Premier Lounges
The Plaza Premium Lounge is a global brand offering access to luxurious amenities to members at over 250 lounges globally. Eligible credit card holders can visit the Plaza Premium Lounge at Changi Airport’s Terminal 1 and Terminal 4’s Blossom Lounge.
You can also access Plaza Premium Lounges for up to three hours without a credit card if you purchase passes at least one hour in advance. Prices of the passes vary depending on the destination country, and they range from US$66 to US$254.
SATS Premier Lounges
SATS Premier Lounges are SATS’s network of airport lounges in Singapore which offers visitors a taste of the country’s hospitality, from arts to food. If you have an eligible credit card, you can access SATS Premier Lounges at Changi Airport Terminals 1, 2 and 3, as well as at Terminal 4’s Blossoms Lounge.
Alternatively, you may purchase passes from the Plaza Premium website at S$72.90 each for a five-hour stay.
DragonPass Lounges
DragonPass offers entry to a network of over 1,300 lounges in more than 900 airports globally. Eligible credit cardholders can access these lounges at Changi Airport:
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Changi Lounge: Jewel Changi Airport
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Plaza Premium Lounge: Terminal 1,
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Marhaba Lounge: Terminal 1, Terminal 3
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SATS Premier Lounge: Terminal 1, Terminal 2, Terminal 3
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Ambassador Transit Lounge: Terminal 2, Terminal 3
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Blossom Lounge: Terminal 4
You may also choose to purchase one of the three DragonPass membership plans to gain access to the above airport lounges if you do not own an eligible credit card:
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Classic (for travellers who do not want to commit): US$99/year for one free visit
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Preferential (for occasional travellers): US$259/year for eight free visits
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Prestige (for frequent travellers): US$429 for unlimited free visits
Additional visits or guest entries are at US$35 each.
Frequently asked questions about airport lounge access
How can I get a free Priority Pass?
You will need an eligible credit card to get free Priority Pass airport lounge access.
The popular credit cards that come with complimentary Priority Pass membership are:
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Citi Premier Miles Card
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Standard Chartered Journey Card
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DBS Altitude Visa Signature Card
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American Express Platinum Card
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Standard Chartered Visa Infinite Card
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Citi Prestige Card
A few tips to remember:
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Each bank will issue you a separate Priority Pass, and your free visits are tied to an individual card - so do not mix them up! Label your cards carefully and note down how many visits you have used on each.
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Check if your free visit entitlement is renewed each membership year (i.e. the anniversary on which your lounge pass was issued) or each calendar year (i.e. 1 January 2022 to 31 December 2022). The majority of banks award free lounge visits by membership year, although Citibank’s PremierMiles cards award free visits based on the calendar year.
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If I am flying Economy Class, can I still use the Priority Pass lounge?
Yes, you can use the Priority Pass Lounge at the airport if you are an Economy Class traveller as long as you hold a credit card that offers complimentary Priority Pass access.
Do I have to present my credit card to access the airport lounge?
Yes, you typically need to present your credit card, or some form of member identification, along with your boarding pass to the lounge operator to confirm your eligibility. However, the exact requirements depend on how your credit card's lounge access works:
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Direct credit card access: For cards like the HSBC Visa Infinite Credit Card, you are required to present your primary or supplementary card and boarding pass to the lounge operator.
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Lounge programme membership: Most credit cards partner with airport lounge programmes, each running its own chain of lounges. Common ones are Priority Pass, Plaza Premium, SATS Premier Lounge and DragonPass. For these, you will receive a separate membership card after signing up for your credit card. Typically, you will be invited to join the airport lounge programme on a yearly membership a few days or weeks after you sign up for a participating credit card. It might take a few weeks to process your membership, so do not apply for a credit card the night before you fly off.
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Lounge vouchers: Some cards, such as the SIA KrisFlyer Ascend, provide cardholders with airport lounge vouchers which you need to present at the front desk of the lounge before entry. You might also be asked to present your credit card and boarding pass.
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Do I have to hit a minimum credit card spend amount to enjoy free airport lounge access?
Most credit cards do not require a minimum credit spend to unlock airport lounge access. Nevertheless, you should always check the terms and conditions of the credit card before signing up.
How much do I have to pay to enter a Priority Pass lounge?
If you have used up your complimentary Priority Pass access for the year, a one-time entry fee of US$27 will be payable to enter the lounge.
Can I bring a guest with me to the airport lounge?
Yes, you can bring a guest with you to the airport lounge, but every accompanying guest will be considered as one visit. For example, bringing a guest with you on your Citi PremierMiles Priority Pass would use a total of two visits.
Higher-end cards like the OCBC VOYAGE allow you to bring a guest for free, and cards like the HSBC Visa Infinite issue a Priority Pass for supplementary cardholders that carries the same unlimited visits.
It is standard policy to count any child above the age of two as an additional visit, but there is no hard and fast rule about enforcement. Some places will close one eye; others will insist on sticking to the letter of the law.
about_the_author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.