6 Credit Cards Which Give Free Access to Airport Lounges

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6 Credit Cards Which Give Free Access to Airport Lounges

Find out which air miles credit cards in Singapore give free access to Priority Pass and Plaza Premium airport lounges around the world.

Many people think 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 as well as around the world, even if you’re not pulling a six-figure salary or a VVIP.

If airport lounge access is one of the main features you look for in a credit card, look no further. Below, we’ve curated the most popular air miles credit cards that offer complimentary access to airport lounges. (Pro tip: Learn how to maximise your air miles once you’ve earned them!)

What’s the big deal about airport lounges?

Airport lounges offer a range of complimentary facilities like wifi, reading or sleeping pods, shower rooms, charging power outlets and of course, food, snacks and drinks, which can include a wide range of alcohol, juices and soft drinks. Airport lounges are a great pitstop for every kind of traveller. If you’re travelling for work or about to go on a long-haul flight, a great place to freshen up, recharge and do some work or reading.

If you’re on a holiday, a great place to review travel plans over food and drinks and start your holiday on the right note. If you’re in transit and between flights, it’s also a great place to spend a few hours in comfort, catching up on some sleep or just resting.

Do I flash my credit card to enter the airport lounge?

Nooooo… don’t do that because you’ll be stopped by whoever is manning the counter or front desk. Credit cards partner with airport lounge programmes, who each run their own chain of lounges. Common ones are Priority Pass, Plaza Premium, SATS lounge and Dragon Pass. For most of these lounges, you will be invited to join the particular airport lounge programme 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 don’t apply for a credit card the night before you fly off. Membership is usually on an annual basis. In other cases, such as the SIA KrisFlyer Ascend, you will receive airport lounge vouchers which you present at the front desk of the lounge before entry.

Remember that each bank will issue you a separate Priority Pass, and your free visits are tied to an individual card – so don’t mix them up! Label your cards carefully and note down how many visits you have used on each.

Also, 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 Jan- 31 Dec). The majority of banks award free lounge visits by membership year, although Citibank’s PremierMiles cards award free visits based on calendar year.

Can I bring a guest?

Yes, but it’ll cost you a free visit. For example, bringing a guest with you on your Citi PremierMiles Visa 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’s 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.

Do I have to pay the annual fee?

For most cards, yes, you will have to pay the annual credit card fee to enjoy the privilege of complimentary airport lounge access. Some credit cards waive the annual fee for the first year (and you still receive the complimentary airport lounge vouchers or complimentary annual membership ) but from the second year onwards, you will have to pay the annual fee in order to receive the same airport lounge privileges again.

Best air miles cards in Singapore with free airport lounge access

We’ve compared 6 different air miles cards in Singapore that offer complimentary airport lounge access worldwide.

Credit Card

Airport Lounge Access

How to Redeem

DBS Altitude Visa Credit Card2x complimentary access/year with Priority PassApply for Priority Pass Membership (complimentary for cardholders)
Citi PremierMiles Visa Card2x complimentary access/year with Priority PassApply for Priority Pass Membership (complimentary for cardholders)
American Express Singapore Airlines KrisFlyer Ascend Credit Card4x complimentary vouchers/year to participating SATS Premier Lounges  Plaza Premium Lounges worldwide 

KrisFlyer Elite Gold Members get KrisFlyer Gold Lounge access at Changi Airport and Star Alliance Gold Lounges worldwide

Complimentary access to SATS and Plaza Premium Lounges upon Card approval and fully paid renewal of Card membership. 

Spend above S$15,000 at singaporeair.com within the first 12 months and get upgraded to KrisFlyer Elite Gold Membership

Standard Chartered Visa Infinite Credit Card6x complimentary access per year with Priority PassApply for Priority Pass Membership (complimentary for cardholders)
HSBC Visa Infinite Credit CardUnlimited access to over 700 Priority Pass lounges around the worldFlash your Priority Pass Card (membership automatically granted upon card approval)
OCBC Voyage CardUnlimited access to over 70 Plaza Premium VIP airport lounges globally  Complimentary access granted upon card approval and renewal of Card membership fee

1. DBS Altitude Visa Credit 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.

DBS Altitude Visa Card

2. Citi PremierMiles Visa Card

Cardholders get a complimentary Priority Pass membership that lets you access Priority Pass airport lounges twice a year, at any airport in the world. You can use the two complimentary visits on separate occasions or with a guest.

Additional visits will cost US$27 and will be charged to your Citi PremierMiles Visa Card. The Citi PremierMiles card may also be the most useful air miles card because it has the most transfer partners of any bank in Singapore.

Citi PremierMiles Visa Card 2020

3. American Express Singapore Airlines KrisFlyer Ascend Credit Card

The Ascend is the American Express Singapore Airlines KrisFlyer Card’s sophisticated older sister. Besides getting a higher earn rate for KrisFlyer miles, cardmembers get 4 complimentary vouchers to participating SATS Premier Lounges in Singapore and Plaza Premium Lounges worldwide.

If you charge more than S$15,000 at singaporeair.com on the card within the first 12 months, you’re automatically upgraded to the KrisFlyer Elite Gold Membership tier. This unlocks KrisFlyer Gold Lounge access at Changi Airport and access to Star Alliance Gold Lounges worldwide.

american express krisflyer ascend card

4. Standard Chartered Visa Infinite Credit Card

The Standard Chartered Visa Infinite Credit Card is one of the most exclusive air miles credit cards in Singapore. Like 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 visits to airport lounges a year.

Any subsequent visits after the sixth will cost S$38 per person.

Standard Chartered Visa Infinite Credit Card | SingSaver

5. HSBC Visa Infinite Card

It’s easy to see why the HSBC Visa Infinite Card is the crème de la crème of travel credit cards. Besides perks like expedited immigration clearance and airport limousine transfers, cardmembers (and supplementary cardmembers) instantly get a Prestige Priority Pass Membership Card two weeks after their credit card approval. This unlocks unlimited access to Priority Pass lounges worldwide, while guest charges cost only S$35 per guest per visit.

HSBC Visa Infinite

6. 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 Plaza Premium membership that grants access to 70 airport lounges across the globe. But don’t be dismayed by the low number — these are all VIP lounges, so you can be assured of the highest luxury.

OCBC Voyage Card

Compare and apply for the best air miles credit cards on SingSaver

Comparing credit cards with the most generous air miles rates has never been simpler at SingSaver. Enjoy the most attractive sign-up offers of up to $280 in cash, credit and vouchers now.

Besides complimentary airport lounge visits, air miles cards can also offer a whole lot more, if you know how to turbocharge their use to travel further, faster and cheaper. Here’s a simple infographic showing how.

Top 5 Air Miles Travel Hacking Tips Infographic | SingSaver

Read these next:
Amex, Mastercard or Visa: Which is Better for Travel?
Cashback or Rewards Credit Card: Which is Better?
Best 6 Credit Cards For Overseas Spending
Why Citi PremierMiles Visa May Be The Most Useful Miles Card in Singapore
Amex KrisFlyer Blue vs Ascend: Which Is The Right Card For You?

Lauren Dado

By Lauren Dado
Lauren has been a content strategist and digital marketer since 2007. She writes about personal finance stories to help Singaporeans save money. Her work has appeared in publications like Her World, Asia One, and Women’s Weekly.