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7 Credit Cards Which Give Free Access to Airport Lounges

Last updated 07 March, 2023

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

Best Miles Credit Cards With Free Airport Lounge Access on SingSaver

 

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!)

MARCHMADNESS_BLOGARTICLE

SingSaver Exclusive Promotion: Apply for our exclusive credit cardtravel insurancecar insurancepersonal loaninvestmentsavings account, and priority banking deals to score raffle tickets (up to 3x chances) in our March Madness Grand Lucky Draw!

Over S$20,000 worth of prizes are up for grabs, including 1x pair of Business Class Round Trip to Tokyo (worth S$9,000), 2x PlayStation 5 God of War Bundle (worth S$1,798), 2x OSIM uThrone Gaming Massage Chair (worth S$3,198) and other awesome prizes (worth over S$9,000).

Valid till 2 April 2023. T&Cs apply.

Golden Ticket (3x chance)
Silver Ticket (2x chance)
Bronze Ticket (1x chance)
  • Credit Cards: Amex Singapore Airlines KrisFlyer Ascend Card | Amex Platinum Card | Amex Platinum Charge Card | Citi Cash Back+ Card | Citi Cash Back Card | Citi PremierMiles Card | Citi Rewards Card | Standard Chartered Smart Card | Standard Chartered SimplyCash Card | Standard Chartered Rewards+ Card | UOB Absolute Cashback Card | UOB One Card | UOB EVOL Card | UOB Lady's Card | KrisFlyer UOB Card | UOB PRVI Miles AMEX Card | UOB PRVI Miles Visa Card | UOB PRVI Miles Mastercard

  • Travel Insurance: Starr TraveLead | MSIG TravelEasy

  • Car Insurance: FWD Car Insurance

 

Best air miles cards in Singapore with free airport lounge access

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

Airport Lounge Access

How to Redeem

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
2x complimentary access/year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
Citi PremierMiles Card
Citi PremierMiles Card
2x complimentary access/year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
American Express Singapore Airlines KrisFlyer Ascend Credit Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card

4x 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 more than $15,000 on eligible purchases on singaporeair.com within the first 12 months to get upgraded to KrisFlyer Elite Gold Membership
Standard Chartered Visa Infinite Credit Card
Standard Chartered Visa Infinite Credit Card

6x complimentary access per year with Priority Pass

Apply for Priority Pass Membership (complimentary for cardholders)
Standard Chartered X Credit Card
Standard Chartered X Credit Card

2x complimentary access per year with Priority Pass

Apply for Priority Pass Membership (complimentary for cardholders)
HSBC Visa Infinite Credit Card
HSBC Visa Infinite Credit Card

Unlimited access to over 1,100 airport lounges worldwide for both primary and supplementary cardholders

Present your primary or supplementary card and boarding pass to the lounge operator.
OCBC Voyage Card
OCBC Voyage Card

Unlimited access to over 80 Plaza Premium VIP airport lounges globally 

Complimentary access granted upon card approval and renewal of Card membership fee

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

Local Spending

1.2
Miles Per Dollar

Overseas Spending

2
Miles Per Dollar

Annual Fee

S$194.40
(1st year waived)
See more
See less

Rewards

Get S$150 cashback when you apply with the promo code 150CASH and make a min. spend of S$800 within 60 days of card approval. Valid till 30 Jun 2023. T&Cs apply.
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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 2 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 1,200 airport lounges worldwide.

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.

Full DBS Altitude review here.

DBS/POSB Credit Card Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 30 June 2023. T&Cs apply.

If you're not a new DBS/POSB credit cardmember, consider these promotions instead.


Citi PremierMiles Card

Citi PremierMiles Card

Local Spending

1.2
Miles Per Dollar

Overseas Spending

4
Miles Per Dollar

Annual Fee

S$194.40
(1st year waived)
See more
See less

Rewards

Receive a Dyson V8 Absolute™ (worth S$609) or a Sony WH-1000XM5 (worth S$575) or a Flujo Ayla Ergonomic Office Chair (worth S$1,139) or S$300 cash when you make a min. spend of S$500 within 30-day period from account approval date. Valid till 2 Apr 2023. T&Cs apply.

Plus, get up to 4 Citi Miles per dollar on qualifying foreign currency spends while overseas. Valid till 30 June 2023. T&Cs apply.

Also score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply, for a chance to win your share of over S$20,000 worth of prizes! T&Cs apply.

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Cardholders get a complimentary Priority Pass membership that lets them access Priority Pass airport lounges twice a year. You can use the two complimentary visits on separate occasions or on a single visit with a guest.

Additional visits will cost US$32 per person and will be charged to your Citi PremierMiles 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_DYSONSONYFLUJO_BLOGARTICLE (1)

SingSaver Exclusive Offer: Receive a Dyson V8 Absolute™ (worth S$609) or Sony WH-1000XM5 (worth S$575) or Flujo Ayla Ergonomic Office Chair (worth S$1,139) or S$300 cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 2 April 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$646 worth of exciting gifts when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.

Plus, score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.


American Express Singapore Airlines KrisFlyer Ascend Credit Card

American Express Singapore Airlines KrisFlyer Ascend Credit Card

Local Spending

1.2
Miles Per Dollar

Overseas Spending

2
Miles Per Dollar

Annual Fee

S$178.20 
(First year waived)
See more
See less

Rewards

Get up to 21,500 KrisFlyer miles (worth a return trip to Bali on Singapore Airlines) when you make a min. spend of S$1,000 and Annual Fee within 1 month of card approval. Valid till 3 Apr 2023. T&Cs apply.

Plus, score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply for a chance to win your share of over S$20,000 worth of prizes! T&Cs apply.

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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 four complimentary vouchers to participating SATS Premier Lounges in Singapore and Plaza Premium Lounges worldwide. You also enjoy a complimentary one-night stay at participating Hilton Properties each year.

If you spend more than S$15,000 on eligible purchases 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 more than 900 Star Alliance Gold Lounges worldwide. You also get an additional 20kg check-in allowance.

Amex Singapore Airlines KrisFlyer Ascend Credit Card Welcome Gift: Receive 21,500 KrisFlyer Miles (worth a return trip to Bali on Singapore Airlines) when you make a min. spend of S$1,000 and annual fee payment within the first month of card approval. Valid till 3 April 2023. T&Cs apply.

Plus, score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.


Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card

Local Spending

1.4
Miles Per Dollar
upon min. monthly spend of S$2,000

Overseas Spending

3
Miles Per Dollar
upon min. monthly spend of S$2,000

Annual Fee

S$588.50
See more
See less
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The Standard Chartered Visa Infinite Credit Card is one of the most exclusive air miles 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 6 (instead of 2) free visits to airport lounges a year. Lounge visit fees of US$32 per person, per visit, will be chargeable for every subsequent visit after the the 6 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.

OCBC_MM_BLOGARTICLE

OCBC Credit Card Welcome Offer: Receive up to S$228 in cashback or up to 55,000 miles upon fulfilling the required OCBC Credit Cards promotion criteria. Valid till 12 April 2023. T&Cs apply.

Plus, score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.

 


Standard Chartered X Credit Card

Standard Chartered X Credit Card

Local Spending

1.2Miles Per Dollar

Overseas Spending

3Miles Per Dollar

Annual Fee

S$695.50
See more
See less

Rewards

Receive 30,000 miles upon card approval and activation. T&Cs apply.
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Always dreamed of owning a black metal credit card in your wallet? Well, the Standard Chartered X credit card should come to mind. It comes with 2x complimentary visits to Priority Pass lounges around the world. Cardholders can also earn up to 2 miles per dollar for every S$1 spend, similar to other miles card on this list.

However, its annual fee of S$702 will likely be a downer to most. SCB Priority and Private Banking customers can sign up for this card with a minimum annual income of S$30,000. For other customers, a S$80,000 minimum annual income is required.

Welcome Gift: Receive 30,000 miles upon card activation. T&Cs apply.


HSBC Visa Infinite Credit Card

HSBC Visa Infinite Credit Card

Local Spending

1.25 Miles Per Dollar

Overseas Spending

2.25 Miles Per Dollar

Annual Fee

S$656.08
See more
See less
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It’s 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 cardholders unlimited access to over 1,100 VIP airport lounges worldwide, while guest charges cost just US$32 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.

HSBC Credit Card Welcome Gift: Receive a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$200 cash back when you make a min. spend of S$500 by the end of the following calendar month from the card account opening date. Valid till 30 April 2023. T&Cs apply.

 


OCBC Voyage Card

OCBC Voyage Card

Local Spending

1.3Miles Per Dollar

Overseas Spending

2.2Miles Per Dollar

Annual Fee

S$488.0
See more
See less
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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 80 airport lounges across the globe. But don’t be dismayed by the low number – these are all VIP lounges, which means you can be assured of the highest luxury.

OCBC_MM_BLOGARTICLE

OCBC Credit Card Welcome Offer: Receive up to S$228 in cashback or up to 55,000 miles upon fulfilling the required OCBC Credit Cards promotion criteria. Valid till 12 April 2023. T&Cs apply.

Plus, score a BRONZE ticket (1x chance) in our March Madness Grand Lucky Draw when you apply for a chance to win your share of over S$20,000 worth of prizes! Valid till 2 April 2023. T&Cs apply.

 

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 including cash, Grab vouchers and wireless earbuds!
 
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

Still unsure on which miles card to apply for? Compare the best air miles 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!

Read these next:
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How Does COVID-19 Change Your Miles Strategy?
Why Citi PremierMiles May Be The Most Useful Miles Card in Singapore
Favourite Credit Card Combinations To Max Out Cashback And Miles (As Used By SingSaver Staffers)
Best Air Miles Credit Cards In Singapore
Best Citibank Credit Cards in Singapore 2023
Best OCBC Credit Cards in Singapore 2023
Best CIMB Credit Cards in Singapore 2023
Best Standard Chartered Credit Cards in Singapore 2023
Best UOB Credit Cards in Singapore 2023
Best HSBC Credit Cards in Singapore 2023

 

Frequently Asked Questions about Airport Lounge Access

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, it is a great place to freshen up, recharge and do some work or reading.

If you’re on holiday, you can review your 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?

This depends on the type of airport lounge and the credit card. For example, with the HSBC Visa Infinite Credit Card, you are required to present your primary or supplementary card and boarding pass to the lounge operator.

Some credit cards partner with airport lounge programmes, which 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. You might also be asked to present your credit card and boarding pass.

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 January 2022 – 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.

Can I bring a guest?

Yes, 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 2 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.

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.

If I am flying Economy Class, can I still use the Priority Pass lounge?

Yes, you can! You may enter the lounge as long as you hold a credit card that offers complimentary Priority Pass access. 

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