Written bySingSaver Team
Team
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
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.
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 lounge credit cards of 2026
Our pick for: Overall access / wide variety
- Enjoy competitive rates and complimentary benefits at over 1,600 Fine Hotels + Resorts properties worldwide.
- Complimentary access to over 1,550 lounges across 500 airports in 140 countries.
- 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.
- Bonus air miles
- Dining savings
- Airport lounge
- 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.
- Annual Fee required
American Express Platinum Card
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Rewards: 2 points per S$1.60 spent
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Airport lounge access: Unlimited
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Annual fee: S$1,744 (Includes 9% GST)
Offers
120,000 Membership Rewards® points with annual fee payment of a min. spend of S$8,000 within first 3 months of card approval for new customers
Card benefits
-
Visit over 1,550 airport lounges worldwide for free and bring a guest
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Complimentary night's stay at participating hotels (including The St. Regis Singapore)
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Unlock VIP tiers such as the Marriott BonvoyTM Elite Gold status
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Exclusive access to the members-only Tower Club Singapore
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Get comprehensive worldwide travel insurance for you and your family when you use your card to book travels
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Get 140,000 Membership Rewards® points for each referral you make (up to 3 every year)
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Net 5 points per S$1.60 spent on Singapore Airlines & Scoot flights
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Permanent fee waiver for first 2 supplementary cards
Card details
Repayment Details
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Minimum Payment: N/A, all charges are due in full
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Late Payment Charge: 2.5 % of the overdue amount or S$100
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Interest on Purchase: N/A
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Interest on Cash Advance: N/A
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Interest Free Period: N/A
Fees
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Annual Fee: S$1,744
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Foreign Currency Transaction Fee: 3.25 %
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Air Miles Conversion Fee: No Fee
-
Cash Advance Service Charge: 5 %
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income: Conditional
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Minimum Age: Over 21 years old
>> MORE: Airport Lounges in Singapore: What To Know Before Visiting
Our pick for: Priority Pass access
- 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 participating 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.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
Citi PremierMiles Card
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Rewards: 1.2 Citi Miles per S$1 local spend
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Airport lounge access: 2 visits per year
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Annual fee: S$196.20 (Includes 9% GST)
Offers
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Claim your welcome gift of 30,000 Bonus Citi Miles when you spend S$800 in the first 2 months
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Citi Mastercard Credit Cards with a min. spend of S$3,000 stand a chance to win a Dream Holiday worth S$20,000, or a night's stay at the Capella Singapore till 31 Dec 2025
Card benefits
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1.2 Citi Miles per S$1 for local spend
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2.2 Citi Miles for per S$1 for foreign spend
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Card renewal bonus of 10,000 Citi Miles upon payment
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Up to 10 Citi Miles for every S$1 spent with Citi travel partners
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Supplementary cards are complimentary
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Offset your transactions using Pay with Miles on the Citi Mobile® App
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Be rewarded with S$150 per referral
Card details
Repayment Details
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Minimum Payment: 1% of your balance, or S$50 plus any overdue amounts
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Late Payment Charge: S$100
-
Interest on Purchase: 27.9% p.a.
-
Interest on Cash Advance: 27.9% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$196.20 (Includes 9% GST)
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Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$27.25
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Cash Advance Service Charge: S$15 or 8% of the amount drawn, whichever is greater
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income: S$30,000
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Minimum Age: Over 21 years old
The world's best airport lounges for frequent flyers
Turn your layovers into luxurious experiences at the world's best airport lounges, tailored for Singapore travellers.
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.
- No rebate cap
- Airport lounge
- Travel insurance
- Annual Fee waiver
- 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.
CIMB Visa Infinite Card
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Rewards: Unlimited 2% cashback on overseas spend
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Airport lounge access: 3 visits per year
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Annual fee: S$0
Offers
Sign up for to S$188 in cashback when you spend a min. of S$1096 within 60 days of card approval
Card benefits
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Unlimited 2% cashback on overseas spend
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Unlimited 1% cashback on all other spend
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3 complimentary lounge visits per year
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Discounted meals of up to 25% at airport restaurants worldwide
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5% off airport limousine transfers in 300 cities
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5% off Meet & Greet services at 150 airports worldwide
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24/7 Visa Infinite concierge services
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Complimentary travel insurance worth S$1 million
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Enjoy CIMB deals & discounts in Singapore, Malaysia & Indonesia
Card details
Repayment Details
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Minimum Payment: 3% of the statement balance or S$50, whichever is greater
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Late Payment Charge: S$100, if your outstanding balance exceeds S$200
-
Interest on Purchase: 27.8% p.a.
-
Interest on Cash Advance: 29.9% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$0
-
Foreign Currency Transaction Fee: 3%
-
Air Miles Conversion Fee: N/A
-
Cash Advance Service Charge: 8% of the amount withdrawn (min. S$15)
Eligibility
-
Monthly Spend Required: S$2,000
-
Minimum Annual Income: S$120,000
-
Minimum Age: 21 years old
>> MORE: Why You Should Get Travel Insurance
Our pick for: Unlimited lounge access
- 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.
- Base earn rates of 1 mile per S$1 on local spend and 2 miles per S$1 in foreign spend.
- Step Up earn rates of 1.25 miles per S$1 on local spend and 2.25 miles per S$1 in foreign spend with min. S$50,000 eligible purchases within first 12 months of card issuance date.
- Regular cardholders: 2x complimentary expedited immigration clearance per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify.
- Regular cardholders: 2x complimentary airport limousine service per calendar year, thereafter min. S$2,000 eligible spend in a calendar month to qualify (capped at 24 usages per calendar year).
- HSBC Premier customers: 4x complimentary expedited immigration clearance and airport limousine service each per calendar year.
- Unlimited airport lounge access for primary and supplementary cardholders.
- Up to US$2 million complimentary travel insurance coverage (including up to US$100,000 for COVID-19).
- Complimentary concierge services for travel, golfing, dining, shopping, and business assistance.
- Exclusive discounts on retail, dining, hotel stays, and more offers.
- Bonus air miles
- Airport lounge
- Travel insurance
- US$35 per guest per visit for airport lounge access.
- HSBC Rewards Points expire after 37 months.
- S$43.20 annual Mileage Programme fee (convert points into KrisFlyer and/or Asia Miles).
- Expensive annual fee of S$656.08 for everyone, but S$492.56 annual fee reserved for HSBC Premier customers only.
- Annual Fee required
HSBC Visa Infinite Credit Card
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Rewards: 1 mile per dollar for local spend
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Airport lounge access: Unlimited
-
Annual fee: S$662.15 (Includes 9% GST)
Offers
N/A, applications for this card are currently on hold
Card benefits
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1 mile per dollar for local spend
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2 miles per dollar for overseas spend
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Primary & supplementary cardholders get unlimited access to 1,100 global airport lounges worldwide
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Chauffeur to Changi Airport from anywhere in Singapore
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Dedicated 24/7 concierge service
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Comprehensive worldwide travel insurance for you & your family for up to S$2.75 million
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E-commerce purchase protection with coverage up to S$1,298
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1-for-1 dining offers with the ENTERTAINER with HSBC app
Card details
Repayment Details
-
Minimum Payment: 3% of your outstanding balance or S$50, whichever is greater
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Late Payment Charge: S$100
-
Interest on Purchase: 27.8% p.a.
-
Interest on Cash Advance: 28.5% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$662.15 (Includes 9% GST)S$196.20 (Includes 9% GST)
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Foreign Currency Transaction Fee: 2.25% of transaction amount
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Air Miles Conversion Fee: S$27.25
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Cash Advance Service Charge: 8% of cash advance amount or S$15 (whichever is higher)
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income: S$120,000
-
Minimum Age: 21 years old
>> MORE: What You Need to Know About Singapore Airline Lounges
Our pick for: Best value lounge access
- 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.
- Bonus air miles
- Airport lounge
- No expiry air miles
- Unlimited air miles
- 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).
DBS Altitude Visa Signature Card
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Rewards: 2.2 miles per S$1 on overseas spend
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Airport lounge access: 2 visits per year
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Annual fee: S$196.20 (Includes 9% GST)
Offers
Cardholders new to DBS/POSB enjoy up to 38,000 miles with a promo code
Card benefits
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2.2 miles per S$1 on overseas spend
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1.3 miles per S$1 on local spend
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Receive 10,000 bonus miles upon card renewal yearly
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Complimentary Priority PassTM Digital Membership
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Enjoy Weekend Partner Travel deals when you book travel activities on weekends
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Annual card fee is waived for 1 year
Card details
Repayment Details
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Minimum Payment: 3% of the statement balance or S$50, whichever is greater
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Late Payment Charge: S$100, if your outstanding balance exceeds S$200
-
Interest on Purchase: 27.8% p.a.
-
Interest on Cash Advance: 28.5% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$196.20 (Includes 9% GST)
-
Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$27.25
-
Cash Advance Service Charge: 8% of the amount withdrawn (min. S$15)
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income (Below 55 years old): S$30,000
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Minimum Annual Income (Above 55 years old): S$15,000
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Minimum Age: 21 years old
Find out how lounge access at Changi Airport works
Hot meals, showers and a place to rest your feet can transform the dreariest flight into a premium experience.
Our pick for: High spenders
- Earn up to 3 miles per dollar in every statement cycle where a min. eligible spend of S$2,000 is made.
- Complimentary Priority Pass membership with 6 lounge visits a year.
- Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to this card.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Earn rewards points on education, rental, insurance, and tax payments via SC EasyBill.
- Local spend: 3.5 rewards points (1.4 miles per S$1)
- Miles do not expire.
- Airport lounge
- Travel insurance
- Bonus air miles
- Base earn rate of 1 mile per S$1.
- A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
- Annual fee is strictly non-waivable.
- Monthly spend required
Standard Chartered Visa Infinite Credit Card
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Rewards: 3 miles per S$1 spend
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Airport lounge access: 6 visits per year
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Annual fee: S$599.50 (Includes 9% GST)
Offers
Spend a min. of S$2,000 within 60 days of card approval for 50,000 Welcome Miles
Card benefits
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3 miles per S$1 with a min. spend of S$2,000 per statement cycle
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6 complimentary visits per year to Priority Pass lounges worldwide
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Earn 360° Rewards and redeem them for air miles, cashback and other prizes
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Enjoy Cashback/Reward points/Bonus Interest on IRAS, education, insurance & rental payment with SC EasyBill
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Enjoy Good Life® privleges with dining offers to shopping, travel & lifestyle perks across Asia
Card details
Repayment Details
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Minimum Payment: 3% of the statement balance or S$50, whichever is greater
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Late Payment Charge: S$100
-
Interest on Purchase: 27.9% p.a.
-
Interest on Cash Advance: 29.9% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$599.50 (Includes 9% GST)
-
Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$27.25
-
Cash Advance Service Charge: 8% of the amount withdrawn (min. S$15)
Eligibility
-
Monthly Spend Required: S$2,000
-
Minimum Annual Income (Priority & Private Banking customers): S$30,000
-
Minimum Annual Income (All other customers): S$150,000
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Minimum Age: 21 years old
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.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Standard Chartered Journey Credit Card
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Rewards: 3 miles per S$1 on select spend
-
Airport lounge access: 2 visits per year
-
Annual fee: S$196.20 (Includes 9% GST)
Offers
30,000 Welcome Miles with a min. of S$800 within 60 days of card approval
Card benefits
-
3 miles per S$1 on select bonus categories (capped at S$1,000)
-
2 miles per S$1 on overseas spend with no cap
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1.2 miles per S$1 on local spend with no cap
-
Up to S$500,000 in complimentary travel insurance coverage when you charge your air fare to your card
-
2 complimentary airport lounge visits worldwide
-
6 x S$5 Caltex vouchers upon card approval
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10,000 bonus miles upon yearly card renewal
-
Earn and redeem 360° Rewards for e-Vouchers or KrisFlyer miles
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Enjoy Cashback/Reward points/Bonus Interest on IRAS, education, insurance & rental payment with SC EasyBill
Card details
Repayment Details
-
Minimum Payment: 3% of the statement balance or S$50, whichever is greater
-
Late Payment Charge: S$100
-
Interest on Purchase: 27.9% p.a.
-
Interest on Cash Advance: 29.9% p.a.
-
Interest Free Period: N/A
Fees
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Annual Fee: S$196.20 (Includes 9% GST)
-
Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$27.25
-
Cash Advance Service Charge: 8% of the amount withdrawn (min. S$15)
Eligibility
-
Monthly Spend Required: N/A
-
Minimum Annual Income: S$30,000
-
Minimum Age: 21 years old
Travel smarter by knowing what not to do
From packing the wrong items into your carry-on bag, to buying the wrong plan, there are a multitude of ways for things to go wrong.
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.
- Unlimited air miles
- Airport lounge
- Travel insurance
- Bonus air miles
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
HSBC TravelOne Credit Card
-
Rewards: 2.4 miles per S$1 on overseas spend
-
Airport lounge access: 4 visits per year
-
Annual fee: S$196.20 (Includes 9% GST)
Offers
36,000 bonus miles for new HSBC cardholders who provide marketing consent, pay their annual fee & spend at least S$1,000
Card benefits
-
2.4 miles per S$1 on overseas spend
-
1.2 miles per S$1 on local spend
-
Earn reward points with complimentary supplementary cards (capped at 5 per primary cardholder)
-
Enjoy over 500 cashback offers in 26 destinations overseas & online with Mastercard Travel Rewards
-
Complimentary travel insurance with up to S$150,000 coverage in Overseas Medical Expenses when you charge your air fare to your card
-
No airline miles or hotel points redemption fee until HSBC decides otherwise
Card details
Repayment Details
-
Minimum Payment: 3% of the statement balance or S$50, whichever is greater
-
Late Payment Charge: S$100
-
Interest on Purchase: 27.8% p.a.
-
Interest on Cash Advance: 28.5% p.a.
-
Interest Free Period: N/A
Fees
-
Annual Fee: S$196.20 (Includes 9% GST)
-
Foreign Currency Transaction Fee: 2.25%
-
Air Miles Conversion Fee: Waived until further notice
-
Cash Advance Service Charge: 8% of the amount withdrawn (min. S$15)
Eligibility
-
Monthly Spend Required: N/A
-
Minimum Annual Income (With TRB of ≥SGD50,000): S$30,000
-
Minimum Annual Income (With TRB of <SGD50,000): S$65,000
-
Minimum Annual Income (New Customers): S$65,000
-
Minimum Age: 21 years old
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.
- No expiry air miles
- Overseas rebate
- Airport lounge
- Airport transfer
- Miles earned in blocks of S$5.
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$492.50.
OCBC VOYAGE Card
-
Rewards: 2.2 VOYAGE Miles per S$1 on overseas spend
-
Airport lounge access: Unlimited
-
Annual fee: S$498.00 (Includes GST)
Offers
2D1N stay at Mandai Rainforest Resort with a min. spend of S$1,000 within 30 days of card approval
Card benefits
-
2.2 VOYAGE Miles per S$1 on overseas spend
-
1.3 VOYAGE Miles per S$1 on local spend
-
Bonus 15,000 VOYAGE Miles upon card renewal
-
Exchange VOYAGE Miles for air tickets & hotel stays via the OCBC app
-
Exchange VOYAGE Miles for airline & hotel loyalty points via the OCBC app
-
Earn cash rebates of up to 2.3%
-
Complimentary transfer service with a min. spend of S$12,000 per quarter in local/foreign currency
-
24/7 VOYAGE Exchange concierge services
-
Fuel savings of up to 23%
Card details
Repayment Details
-
Minimum Payment: S$50 or 3% of the Total Balance, whichever is greater (And any overdue amount)
-
Late Payment Charge: S$100
-
Interest on Purchase: 27.8% p.a.
-
Interest on Cash Advance: 28.92% p.a.
-
Interest Free Period: 23 calendar days from statement date
Fees
-
Annual Fee: S$498.00 (Includes GST)
-
Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$25
-
Cash Advance Service Charge: S$15 or 8% of amount withdrawn, whichever is greater
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income: S$120,000
-
Minimum Age: 21 years old
Our pick for: Premium travel and perks
- 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.
- Airport lounge
- Dining Benefits
- Complimentary Hotel Night Stay
- Complimentary Limo Rides
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
Citi Prestige Card
-
Rewards: 2 Miles per S$1 on overseas spend
-
Airport lounge access: 12 visits per year
-
Annual fee: S$651.82 (Includes GST)
Offers
Welcome offer of 65,000 bonus Miles with annual fee payment & a min. spend of S$2,000 within 2 months (Citigold membership required)
Card benefits
-
2 miles per S$1 for overseas spend
-
1.3 miles per S$1 for local spend
-
12 complimentary visits per year to Priority PassTM lounges at airports worldwide
-
Unlimited 4th night free stay with hotel stays booked via Citi Prestige Concierge
-
6 complimentary golf games at celebrated golf courses across Asia
-
24/7 access to Citi Prestige Concierge services
-
2 complimentary rides to/from Changi Airport per quarter with a min. spend of S$12,000
-
Complimentary travel insurance coverage up to US$500,000 (S$648,330)
Card details
Repayment Details
-
Minimum Payment: All interest charges, service & late fees, 1% of the current balance & unbilled instalment amounts OR S$50 plus any overdue amounts
-
Late Payment Charge: S$100
-
Interest on Purchase: 27.9% p.a.
-
Interest on Cash Advance: 27.9% p.a.
-
Interest Free Period: 23 calendar days from statement date
Fees
-
Annual Fee: S$498.00 (Includes GST)
-
Foreign Currency Transaction Fee: 3.25%
-
Air Miles Conversion Fee: S$27.25
-
Cash Advance Service Charge: S$15 or 8% of amount withdrawn, whichever is greater
Eligibility
-
Monthly Spend Required: No
-
Minimum Annual Income: S$120,000
-
Minimum Age: 21 years old
Unlocking airport lounge access with credit cards
Not all lounge credit cards are created equal. We've created a chart so you can easily compare the best credit cards with lounge access in Singapore.
Comparing credit cards with lounge access
|
Credit card |
Privileges |
Network |
Changi Airport lounges |
|
American Express Platinum Card |
Unlimited visits for 2 persons |
|
|
|
Citi PremierMiles Card |
2 complimentary visits per year |
Priority PassTM Lounges |
|
|
HSBC Visa Infinite Credit Card |
Unlimited visits for primary & secondary cardholders |
LoungeKey |
|
|
DBS Altitude American Express®/DBS Altitude Visa Signature Card |
2 complimentary visits per year |
Priority PassTM Lounges |
|
|
CIMB Visa Infinite Card |
3 complimentary visits per year* *DragonPass memberships are non-transferrable. |
Dragonpass |
|
|
Standard Chartered Visa Infinite Credit Card |
6 complimentary visits per year |
Priority PassTM Lounges |
|
|
Standard Chartered Journey Credit Card |
2 complimentary visits per year |
Priority PassTM Lounges |
|
|
HSBC TravelOne Credit Card |
2 complimentary visits per year |
Dragonpass |
|
|
OCBC VOYAGE Card |
Unlimited for principal cardholders; supplementary cardholders get 2 complimentary visits |
Dragonpass |
|
|
Citi Prestige Card |
12 complimentary visits per year |
Priority PassTM Lounges |
|
Calling all rewards-seeking globetrotters
From airport lounge access to raking in air miles, we break down which card is best for your needs.
Overview of credit cards with lounge access
Card | Hot Reward Pick | SingSaver Reward | Card benefit | Min. Annual Income | Annual Fee | Annual Fee Waiver | ||
|---|---|---|---|---|---|---|---|---|
 | HSBC TravelOne Credit Card | S$799 | 1.2 - 2.4 | S$65,000 | S$196.20 | Not Available | ||
 | American Express Platinum Card | - | S$0 | 2 - 20 | Conditional | S$1,744 | Not Available | |
 | Citi PremierMiles Card | S$799 | 1.2 - 10 | S$30,000 | S$196.20 | 1 year | ||
| CIMB Visa Infinite Card | S$238 | Unlimited 1 - 3 % | S$120,000 | No Annual Fee | No Annual Fee | ||
 | Citi Prestige Card | S$649 | 3.25 - 5 | S$120,000 | S$651.82 | Not Available | ||
 | Standard Chartered Visa Infinite Credit Card | - | - | 1 - 3 | S$150,000 | S$599.50 | Not Available | |
 | DBS Altitude Visa Signature Card | S$600 | 1.3 - 2.2 | S$30,000 | S$196.20 | 1 year | ||
| OCBC Voyage Card | - | - | - | S$120,000 | S$497.06 | Not Available | |
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | 1.2 - 3 | S$30,000 | S$196.20 | - |
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. Though there are no Capital One lounges in Singapore, Venture X and Venture X Business cardholders are entitled to access to 10 Priority Pass™ lounges across Changi Airport.
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.
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SATS Premier lounges
SATS Premier Lounges offer a taste of Singaporean hospitality and also offer a place for weary travellers to unwind, or take a shower. 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.
Loungekey lounges
Loungekey and Priority Pass™ lounges are under the same parent company, Collinson Group. Lounge credit cards, such as the HSBC Visa Infinite Card, come with a Loungekey membership, which grants you exclusive access to all Loungekey lounges in Changi Airport. All terminals, including Jewel Changi Airport, have at least one Loungekey lounge.
Dragonpass lounges
Headquartered in Guangzhou, China, Dragonpass operates 1,300 airport lounges worldwide. In addition to a bit of R&R, Dragonpass members also get access to fast-track lanes for expedited airport security clearance. They are also known for their airport dining promotions, where you can get up to 25% off set meals at airport restaurants worldwide.
Tracking lounge visit entitlements
-
Digital Apps & Cards: Providers like Priority Pass™ and LoungeKey offer apps where you log in to see your digital card, track visits, and check remaining entitlements.
-
Scan & Swipe: Other providers may request that you present your digital/physical card and boarding pass. A staff member at the lounge then scans it, and the visit is logged in the provider's system.
-
Membership Year: Entitlements reset either on after a calendar year, or your membership anniversary, depending on your card issuer.
-
Credit Card Linkage: Many benefits come from premium credit cards, so the lounge system links to your card for verification and usage tracking.
- Email: Dragonpass's Walk-up and Pre-booked Lounge Passes both come with an email containing a QR code that you can use to gain entry to a lounge. Once it is scanned, it will be logged into the system.
Can I use lounge credit cards to stack free visits?
Yes, you can! For example, if you are a CIMB Visa Infinite Card (3 visits) and HSBC TravelOne Credit Card (2 visits) cardholder, you can stack your visits so that you have a total of 5 complimentary visits per year. The same applies for visit stacking across other lounge providers, such as Priority Pass™ or Loungekey.
Do note that stacking Dragonpass visits are a little easier, due to the ability to manage multiple memberships under the same account. On the other hand, if you're stacking Priority Pass™ visits with lounge credit cards, you will pay (literally) for every mistake you make. Lounge visits outside of your allocated allowance will cost US$35 (S$45.40) each.
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Do lounge credit cards come with guest privileges?
While some credit cards with lounge access allow you to bring one guest along, not every card will grant you this privilege. Check out this easy-to-read chart if you frequently travel with others.
Guest privileges across lounge credit cards
|
Guest Access |
Details |
|
|
American Express Platinum Card |
The Centurion® Lounge : Conditional |
Invite 2 complimentary guests with a min. spend of US$75,000 (S$97,284) or more on eligible purchases in a calendar year |
|
Priority Pass™ Lounges: 1 guest |
Chargeable at US$35 (S$45.38) per visit for additional guests |
|
|
Citi PremierMiles Card |
No |
Priority Pass™ Lounge visits are chargeable at US$35 (S$45.38) per guest visit |
|
HSBC Visa Infinite Credit Card |
No |
Loungekey visits are chargeable at US$35 (S$45.38) per guest, though charges are subject to the service provider's discretion. |
|
DBS Altitude American Express®/DBS Altitude Visa Signature Card |
No |
Chargeable at US$35 (S$45.38) per guest visit |
|
CIMB Visa Infinite Card |
No |
Dragonpass memberships are non-transferrable; only members may visit the lounge |
|
Standard Chartered Visa Infinite Credit Card |
1 guest |
Priority Pass™ Lounge visits are chargeable at US$35 (S$45.38) per additional guest visit |
|
Standard Chartered Journey Credit Card |
No |
Priority Pass™ Lounge visits are chargeable at US$35 (S$45.38) per guest visit |
|
HSBC TravelOne Credit Card |
Yes, until your allocation is maxed out |
US$32 (S$41.49) is chargeable for guest and supplementary cardholder visits beyond the allocated amount (4 per year) |
|
OCBC VOYAGE Card |
No |
However, supplementary cardholders will receive 2 complimentary visits to Dragonpass lounges per year |
|
Citi Prestige Card |
Yes |
Entries outside of the allocated amount (12 per year) will be charged at US$35 (S$45.38) per Priority Pass™ visit |
What about supplementary cardholders?
|
Supplementary cardholder lounge access |
Supplementary card fee |
|
|
American Express Platinum Card |
4 visits |
1st 2 cards permanently waived; each subsequent card costs S$163.50 |
|
Citi PremierMiles Card |
No |
Free |
|
HSBC Visa Infinite Credit Card |
Unlimited |
Free (Max 5 cards) |
|
DBS Altitude American Express®/DBS Altitude Visa Signature Card |
No |
S$98.10 |
|
CIMB Visa Infinite Card |
No |
Free |
|
Standard Chartered Visa Infinite Credit Card |
No |
Free (Max 4 cards) |
|
Standard Chartered Journey Credit Card |
No |
Free (Max 4 cards) |
|
HSBC TravelOne Credit Card |
No |
Free |
|
OCBC VOYAGE Card |
2 visits |
S$191.00 (Annual fee is waived for the 1st two cards for the 1st year) |
|
Citi Prestige Card |
No |
Free |
What to do next?
-
Other ways to access Changi Airport lounges: Discover alternative methods to enjoy lounge access without breaking the bank.
-
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.
- 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
The best credit card for airport lounge access may vary according to individual travel preferences. For those who prioritise extensive lounge access, we recommend the American Express Platinum Card, especially if you frequently fly at airports with Priority Pass and Centurion lounges, along with Delta Sky Clubs. For those seeking a balance of benefits and affordability, consider the Citi PremierMiles Card, as it provides access to a wide network of lounges at a reasonable cost.
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 travelling 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.
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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.