Written bySingSaver Team
Team
Frequent travellers know the value of a quiet retreat amidst the chaos of air travel. Airport lounges offer just that — a sanctuary with complimentary food and drinks, comfortable seating, and productive workspaces, transforming your travel experience from stressful to serene. With the right credit card, you can unlock access to a global network of airport lounges, making your journeys more enjoyable and relaxing.
Air miles credit cards comparison at a glance
| Products | Card benefit | Min. Annual Income | Annual Fee | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
1.2 - 2.4 miles / dollar | 30000 | S$196.20 | ||||||||
2 - 20 points / dollar | Conditional | S$1744 | ||||||||
1.2 - 10 miles / dollar | S$30000 | S$196.20 | ||||||||
Unlimited1 - 3 % cashback | S$120000 | No Annual Fee | ||||||||
3.25 - 5 points / dollar | S$120000 | S$651.82 | ||||||||
1.3 - 2.2 miles / dollar | S$30000 | S$196.20 | ||||||||
N/A | S$120000 | S$497.06 | ||||||||
1.2 - 3 miles / dollar | S$30000 | S$196.20 | ||||||||
Unlock the perfect credit card for your needs.
Whether you're a frequent flyer, an occasional traveller, a cashback enthusiast, or simply looking to build your credit, we'll help you find the ideal card for your lifestyle.
Best offers of 2025
Our pick for: Overall access / wide variety
- Receive more than S$1,000 in travel, dining and lifestyle statement credits.
- Indulge In Fine Hotels + Resorts Benefits Worth S$800.
- 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.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Enjoy up to S$400 every year to use at over 2,000 curated restaurants locally and around the world.
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
Our pick for: Priority Pass access
Citi PremierMiles Card
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
Our pick for: Unlimited lounge access
Our pick for: Best value lounge access
DBS Altitude Visa Signature Card
- Up to 1.3 miles per S$1 spent locally, including bus and train rides.
- Up to 2.2 miles per S$1 spent on overseas purchases in foreign currency.
- Receive 10,000 bonus miles when you pay the annual fee of S$196.20
- 2 free lounge visits within each 12-month period of your membership to over 1,500 airport lounges worldwide.
- Read our full review of the DBS Altitude Card.
- Miles are awarded in the form of DBS points which are awarded for every S$5 spent.
- Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Our pick for: Lounge access with cashback
CIMB Visa Infinite Card
- Unlimited 2% cashback on travel, overseas spend and online spend in foreign currencies.
- Unlimited 1% on all other retail spends.
- Principal cardmembers enjoy 3 complimentary global lounge access at more than 1,000 airports annually.
- Charge your full travel fares to your CIMB Visa Infinite and automatically get travel insurance coverage of up to S$1 million for you and your family.
- No annual fees for life + Up to 4 supplementary cards with no annual fees.
- Min. spending of S$2,000 in the statement month to qualify for the 2% cashback.
- Only Singapore citizens and Permanent Residents may apply.
- Minimum annual income requirement: S$120,000.
Our pick for: High spenders
Our pick for: Entry-level miles and lounge access
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Our pick for: Flexibility and family travellers
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- Instant reward redemption with an extensive selection of airline and hotel partners via HSBC Singapore mobile app.
- Accelerated earn rate: up to 2.4 miles for your spending.
- No conversion fee for air miles or hotel points until 31 January 2025.
- Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for primary cardholders and guests of primary cardholders.
- Receive complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide.
- Split your purchases across a range of flexible tenures with HSBC Instalment Plans.
Our pick for: Luxury travel and lifestyle
OCBC Voyage Card
- 2.2 miles per dollar on overseas spend.
- 1.3 miles per dollar on local spend.
- VOYAGE miles earned do not expire.
- Unlimited plaza premium lounge visits.
- Exchange VOYAGE Miles for air tickets and hotel accommodation via Travel with OCBC or VOYAGE Exchange. You also get to accrue loyalty points with your redemption.
- Convert VOYAGE Miles to loyalty points at 9 airline and hotel partner programmes.
- Miles earned in blocks of S$5.
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$492.50.
Our pick for: Premium travel and perks
- Receive more than S$1,000 in travel, dining and lifestyle statement credits.
- Indulge In Fine Hotels + Resorts Benefits Worth S$800.
- 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.
- Gain instant status to higher tiers of leading hotel loyalty programs.
- Complimentary Access into Tower Club.
- Membership Rewards Points never expire.
- Up to 50% savings at premium dining locations with Love Dining.
- Enjoy up to S$400 every year to use at over 2,000 curated restaurants locally and around the world.
- Annual fee: S$1,744 (inclusive of GST).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- 5 ThankYou Points (2 miles) per dollar on overseas spend.
- 3.25 ThankYou Points (1.3 miles) per dollar on local spend.
- Points earned do not expire and have no cap.
- Twelve (12) complimentary lounge visits per calendar year to over 1,700 airport lounges and experiences in cities around the world through Priority Pass membership.
- Complimentary night stays when you book a minimum consecutive four-night stay at any hotel or resort.
- Up to 30% more ThankYou Points for your relationship with Citibank.
- Six complimentary golf games locally and overseas.
- Read our full review of the Citi Prestige Card.
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
Unlocking airport lounge access with credit cards
Understanding airport lounge networks in Singapore
Navigating the world of airport lounges can be tricky, especially with various networks and access methods. Here's a guide to help you understand the different types of airport lounges in Singapore and how you can gain access:
Airline-operated lounges
Major airlines often operate their own lounges to provide a premium experience for their most frequent flyers and high-value customers. In Singapore, Singapore Airlines' KrisFlyer Lounges are a prime example, offering top-notch amenities and services. Access is typically granted through elite status in the airline's frequent flyer programme or by travelling in a premium cabin (First Class or Business Class).
American Express lounges
American Express operates a network of Centurion Lounges renowned for their luxurious amenities and personalised service. While there isn't a Centurion Lounge in Singapore yet, cardholders of The Platinum Card from American Express can access Plaza Premium Lounges as part of the Global Lounge Collection.
Other card issuer lounges
Some credit card issuers, like Capital One, have started establishing their own airport lounges, offering exclusive access to their cardholders.
Priority Pass lounges
Priority Pass is a popular independent lounge programme boasting a vast network of over 1,700 lounges globally. In Singapore, Priority Pass provides access to a variety of lounges across different terminals in Changi Airport, including Plaza Premium Lounges, SATS Premier Lounges, Marhaba Lounges, and the Ambassador Transit Lounge. Many credit cards offer complimentary Priority Pass memberships as a perk.
Saver-savvy tip
At Changi Airport, and other airports worldwide, select restaurants are part of the Priority Pass network. Enjoy a meal and receive a dining credit of up to US$28 per person, or US$56 for you and a guest. The credit amount may vary based on your Priority Pass membership or credit card. Note that Priority Pass memberships via American Express cards usually exclude restaurant benefits. Check your card's terms for details.
Plaza Premium lounges
Plaza Premium is a global brand of airport lounges known for its comfortable and well-equipped spaces. At Changi Airport, you can find Plaza Premium Lounges in Terminal 1. Access is available to eligible credit cardholders or through purchasing a day pass.
SATS Premier lounges
SATS Premier Lounges offer a taste of Singaporean hospitality, showcasing local art and cuisine. These lounges are located in Terminals 1, 2, and 3 of Changi Airport. You can access them with eligible credit cards or by purchasing a day pass.
What to do next?
-
Cheap and free ways to access Changi Airport lounges: Discover alternative methods to enjoy lounge access without breaking the bank.
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Is it worth paying for airport lounge access?: Weigh the costs and benefits to determine if lounge access is a worthwhile investment for your travel needs.
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6 ways to maximise your credit card perks and travel in style: Learn how to make the most of your credit card benefits for a more rewarding and luxurious travel experience.
Frequently asked questions about credit cards with airport lounge access
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For those who prioritise extensive lounge access: The American Express Platinum Card offers the widest variety of lounge access, including Priority Pass lounges, Centurion Lounges, and Delta Sky Clubs.
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For travellers loyal to a specific airline: Consider a co-branded airline credit card, such as the Singapore Airlines KrisFlyer Credit Card, which may offer lounge access based on your membership tier or travel class.
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For those seeking a balance of benefits and affordability: A card with Priority Pass membership, like the Citi PremierMiles Card, might be a good option, providing access to a wide network of lounges at a reasonable cost.
The "best" credit card for airport lounge access in Singapore depends on your individual travel patterns and preferences.
Ultimately, the best card for you will depend on your specific needs and how often you travel.
Singapore Airlines has several lounges in Changi Airport, including two SilverKris Lounges (Terminal 2 & 3) and two KrisFlyer Gold Lounges (Terminal 2 & 3). Access to SilverKris Lounges is typically granted to those flying in First Class or Business Class, or holding PPS Club or KrisFlyer Elite Gold status. KrisFlyer Gold Lounges are accessible to KrisFlyer Elite Gold members and Star Alliance Gold members traveling on a Star Alliance member airline.
Currently, American Express does not have any Centurion Lounges in Singapore. However, American Express Platinum cardholders have access to Plaza Premium Lounges in Singapore through the Global Lounge Collection.
UOB credit cards offer access to a variety of airport lounges in Singapore through partnerships with different lounge networks, such as Priority Pass and DragonPass. The number of lounges accessible will depend on the specific UOB credit card you hold and the lounge programme associated with it. Check the terms and conditions of your UOB credit card for details on lounge access benefits.
Scoot Airlines, being a budget carrier, does not operate its own airport lounges. However, passengers can access independent airport lounges with a Priority Pass membership or by purchasing a day pass.
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.