Best Credit Cards with Lounge Access in Singapore 2024
Discover the Best Credit Cards with Lounge Access in Singapore, granting you access to exclusive airport lounges for a premium travel experience. Elevate your journey with these coveted cards and enjoy comfort and sophistication while awaiting your flights.
Non-waivable for first year. Waiver will be granted in subsequent years with a minimum eligible spend of S$60,000 within in a calendar year.
Minimum Annual Income
S$ 120,000
Offer Available
Welcome Offer
Up to 85,000 miles
Valid until
30 September 2024
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Things to consider for this product:
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Bonus air miles
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Local spending rebate
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Overseas rebate
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Airport lounge
1.5 miles or 1.5% cashback per S$1 spent locally, such as groceries, shopping and more.
2.2 miles or 2.2% cashback per S$1 spent on overseas purchases in foreign currency.
Receive 25,000 bonus miles when you pay the annual fee of S$550 (exclusive of GST) to renew your membership.
Complimentary Accor Plus Explorer membership with 1 free hotel night stay at Sofitel, Fairmont, Swissotel and over 1000 hotels worldwide.
Complimentary Digital Priority Pass™ Membership and 10 free lounge visits to over 1,300 airport lounges worldwide within each 12-month period of membership.
Members-only dining privileges at over 80 of Singapore’s fine dining establishments, including Michelin-awarded restaurants.
Annual fee of S$588.50 (inclusive of GST) is non-waivable for the first year.
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).
Welcome Offer
Gift Options
Up to 85,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new and existing DBS credit cardmembers.
Apply for the DBS Vantage Card and make a min. spend of S$4,000 within 30 days of card approval to be eligible for reward.
New DBS cardmembers will receive 85,000 miles.
Existing DBS cardmembers will receive 40,000 miles.
Up to S$1 million travel insurance coverage for accidental death of total permanent disability.
10 free airport lounge access per calendar year via Priority Pass.
2% cash rebate on foreign currency transactions.
1% cash rebate on local dining, entertainment, and travel transactions.
Up to S$1.65 million employee misuse coverage.
0.3% cash rebate on other transactions.
S$410.40 annual fee per year.
S$80,000 income requirement.
S$3,000 minimum monthly spend.
Terms and Conditions :
Installment Processing Fee: No processing Fee
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 80000
Standard Chartered Visa Infinite Credit Card
Airport Lounge Access
6 visits per year*
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Lounge visits Priority Pass
Annual Fee
S$ 599.5
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Strictly non-waivable.
Minimum Annual Income
S$ 150,000
Things to consider for this product:
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Airport lounge
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Travel insurance
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Bonus air miles
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Monthly spend required
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.
Base earn rate of 1 mile per S$1.
A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
Annual fee is strictly non-waivable.
Terms and Conditions :
Installment Processing Fee: From 0.1 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 150000
Maybank Visa Infinite Card
Airport Lounge Access
4 visits per year*
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For primary cardholders only. US$32 per person per visit rate available for supplementary cardholder and guests. Complimentary Priority Pass membership renewed with annual fee payment or min. S$60,000 eligible spend of previous card anniversary year.
Annual Fee
S$ 654
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First Year Waived
Min. Annual Income
S$ 150,000
Things to consider for this product:
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Airport lounge
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No expiry air miles
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Airport transfer
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Annual Fee required
Up to 3X TREATS Points (1.2 mpd) on local spend.
Up to 5X TREATS Points (2 mpd) on foreign currency spend .
Complimentary enrolment into Maybank's Rewards Infinite Programme where TREATS Points never expire.
Dining, shopping, and travel deals via Maybank TREATS SG app.
Up to S$1,000,000 complimentary travel insurance coverage when you charge full travel fare to card.
Unlimited Priority Pass lounge visits per year for primary cardholders.
Complimentary Priority Pass membership renewal upon paying card annual fee or min. S$60,000 in eligible spend in previous card anniversary year.
Complimentary green fees all year round at over 100 golf courses worldwide.
1x complimentary airport limousine transfer on a Mercedes E-Class with min. S$3,000 eligible spend in previous calendar month.
1x complimentary JetQuay Service featuring private JetQuay host with min. S$3,000 eligible spend in previous calendar month.
25% off retail rates for meet-and-greet airport services in selected countries.
10% off car rentals worldwide with min. 1-day rental (plus 1 extra day rental with min. 6 days' rental).
24/7 Visa Concierge service and access to Visa Luxury Hotel Collection.
No complimentary airport lounge visits for supplementary cardholders and guests. US$32 per person per visit rate applies.
Terms and Conditions :
Installment Processing Fee: From 0 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 150000
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Airport Lounge Access
4 visits per year*
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Complimentary access to SATS and Plaza Premium Lounges upon Card approval and fully paid renewal of Card membership.
Annual Fee
S$ 343.35
Minimum Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Offer Available
AMEX 30 Million Miles Giveaway
Up to 38,000 KrisFlyer miles
Valid until
30 September 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Annual Fee required
1.2 KrisFlyer miles for every S$1 spent on all eligible purchases.
2 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases during June and December.
3.2 KrisFlyer miles for every S$1 spent on Grab Singapore transactions, up to S$200 spent each calendar month.
4 complimentary lounge passes each year.
Complimentary one night stay each year at participating Hilton Properties and complimentary upgrade to Hilton Honors Silver membership tier.
2 KrisFlyer miles per S$1 spent on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop, with no cap.
Read our full review of the American Express Singapore Airlines KrisFlyer Ascend Credit Card.
Annual fee: S$343.35 (inclusive of GST) must be paid to enjoy welcome offers.
AMEX 30 Million Miles Giveaway
Gift Options
Up to 38,000 KrisFlyer miles
Promotion is valid for new and existing American Express Card Members
Apply for The American Express® Singapore Airlines KrisFlyer Ascend Credit Card, make a min. spend of S$1,000 within 30 days of card approval, and pay the annual fee (S$343.35 incl. GST) to be eligible for rewards
New to American Express Card Members
Welcome Offer: Receive 27,800 KrisFlyer miles upon fulfillment of reward criteria
Receive 5,000 KrisFlyer miles upon first charge on card (available for first time Singapore Airlines Credit Card applicants only)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
AMEX 30 Million Miles Giveaway: Grab your additional 4,000 KrisFlyer miles* upon fulfillment of reward criteria
Existing American Express Card Members
Welcome Offer: Receive 27,800 KrisFlyer miles upon fulfillment of reward criteria
Receive 5,000 KrisFlyer miles upon first charge on card (available for first time Singapore Airlines Credit Card applicants only)
Receive 1,200 KrisFlyer miles based on the S$1,000 spent (based on 1.2 KrisFlyer miles per S$1 spent locally)
AMEX 30 Million Miles Giveaway: Grab your additional 4,000 KrisFlyer miles* upon fulfillment of reward criteria
*Should pool of miles run out before 30 September 2024, new and existing American Express Card Members will receive the welcome offer only.
Apply for DragonPass Membership (complimentary for cardholders).
Annual Fee
S$ 196.2
Minimum Annual Income
S$ 30,000
4 Offers Available
Upgrade Your Rewards with a Simple Top-Up
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up
+ 3 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Dyson Supersonic™ hair dryer (worth S$699)
Valid until
31 July 2024
Richest Offer in the Market
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50)
Valid until
31 July 2024
Richest Offer in the Market
Apple iPad 10th Gen WiFi 64GB (worth S$529)
Valid until
31 July 2024
Richest Offer in the Market
27,000 Max Miles
Valid until
31 July 2024
Richest Offer in the Market
S$400 eCapitaVoucher
Valid until
31 July 2024
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
Welcome Offer
1x Mercedes-Benz EQB or 90x Round-trip Economy Class Tickets to Paris
Valid until
23 September 2024
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Things to consider for this product:
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Unlimited air miles
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Airport lounge
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Travel insurance
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Bonus air miles
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 May 2024.
Complimentary travel insurance coverage (including COVID-19) and 4x complimentary airport lounge visits for main cardholders only, and more.
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.
Upgrade Your Rewards with a Simple Top-Up
Gift Options
Save S$565.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up; or
Save S$621 on a Sony ZV-1M2 Vlog Camera (worth S$1,209) by upgrading your reward with a top up; or
Save S$569 on a Sony HT-AX7 Portable Theatre System (worth S$769) by upgrading your reward with a top up
Promotion is valid until 31 July 2024.
Valid for new HSBC credit cardmembers only.
Apply for the HSBC TravelOne Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$1,000 by the end of the following month from card approval date.
The Reward Upgrade will replace SingSaver Exclusive promotional reward.
Apple Watch Series 9 GPS 41mm (Sport Band / Sport Loop) (worth S$604.50); or
Apple iPad 10th Gen WiFi 64GB (worth S$529); or
27,000 Max Miles; or
S$400 eCapitaVoucher
Promotion is valid for new HSBC TravelOne credit cardmembers (existing holders of other HSBC credit cards are still eligible)
Apply for the HSBC TravelOne Credit Card, provide your marketing consent to HSBC, pay the annual fee (S$196.20 incl. GST) and make a min. spend of S$1,000 by the end of the following month from card approval date to be eligible for reward
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
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.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
30,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude Visa Signature Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
1.3 miles per S$1 spent locally, including bus and train rides.
2.2 miles per S$1 spent on overseas purchases in foreign currency.
Earn up to 10 miles per S$1 spent on Expedia, and Kaligo.
Receive 10,000 bonus miles when you pay the annual fee of S$196.20
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.
Additional DBS points awarded for Expedia and Kaligo transactions are capped at S$5,000 spend per calendar month.
Each conversion of DBS points to miles will be subjected to an administrative fee of S$25 (exclusive of GST).
Welcome Offer
Gift Options
35,000 miles
Promotion is valid until 30 September 2024.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with promo code, make a min. spend of S$800 within 60 days of card approval, and pay the first-year annual fee (S$196.20 incl. GST) to be eligible for reward.
Promotion is valid for new DBS credit cardmembers only.
Apply for the DBS Altitude American Express Card with annual fee waiver, then make a min. spend of S$800 within 60 days of card approval to be eligible for reward.
American Express Singapore Airlines Business Credit Card
Airport Lounge Access
2 visits per year*
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Lounge visits Priority Pass.
Annual Fee
S$ 304.59
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Non-waivable
Minimum Annual Income
S$ 30,000
Offer Available
Welcome Offer
30,000 HighFlyer points (worth S$285)
Valid until
30 September 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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Air ticket rebate
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Rebate cap applied
Earn up to 8.5 HighFlyer Points per S$1 spent on eligible Singapore Airline Group flights, worth 8.5% cashback.
Earn HighFlyer Points for your Business: earn 5 HighFlyer points per S$1 spent on flights, while your employees continue to earn KrisFlyer Miles.
Earn 1.8 HighFlyer Points per S$1 spent on all other eligible purchases, worth 1.8% cashback.
Accelerate to KrisFlyer Elite Gold (KFEG) with S$15,000 spend with Singapore Airlines Group in the first 12 months.
Complimentary night stay yearly and up to 50% dining discounts with Accor Plus across Asia Pacific worth $398 annually.
Priority Pass membership with 2 complimentary visits per year.
Welcome Offer
Gift Options
30,000 HighFlyer points (worth S$285)
Promotion is valid for new American Express credit cardmembers only
Apply for the American Express Singapore Airlines Business Credit Card, make a min. spend of S$3,000 within 3 months of card approval, and pay the annual fee (S$304.59 incl. GST) in the first statement to be eligible for reward
Receive 24,600 HighFlyer points upon fulfilling reward criteria
Receive 5,400 HighFlyer points based on the S$3,000 spent (based on 1.8 HighFlyer points per S$1 spent)
Promotion does not stack with other offers from American Express
Apply for Priority Pass Membership (complimentary for cardholders).
Annual Fee
S$ 196.2
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First Year Waived (Optional)
Minimum Annual Income
S$ 30,000
4 Offers Available
SingSaver Flash Deal
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Valid until
31 July 2024
Upgrade Your Rewards with a Simple Top-Up
Save S$689 on a Flujo Ayla Ergonomic Office Chair (worth S$1,139) by upgrading your reward with a top up
+ 2 other gift options
Valid until
31 July 2024
Richest Offer in the Market
Up to 60,000 Miles
Valid until
31 July 2024
Richest Offer in the Market
Apple AirPods Pro 2nd Gen (worth S$365.70) + 45,000 miles
Valid until
31 July 2024
Richest Offer in the Market
S$280 eCapitaVoucher + 45,000 miles
Valid until
31 July 2024
Richest Offer in the Market
S$250 Cash via PayNow + 45,000 miles
Valid until
31 July 2024
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Things to consider for this product:
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Bonus air miles
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No expiry air miles
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Airport lounge
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Travel insurance
Earn 3 miles for every S$1 spent on online transactions from transportation, grocery +and food delivery merchants.
Earn 2 miles for every S$1 on foreign currency transactions.
Earn 1.2 miles for every S$1 spent locally.
S$0 foreign transaction fee for overseas spend made and posted in June-July, November-December 2023.
S$10 off Grab rides to or from Changi Airport.
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.
Enjoy exciting card offers and privileges on Standard Chartered The Good Life programme.
Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
SingSaver Flash Deal
Gift Options
Get a chance to win an iPhone 15 128GB (worth S$1,311)
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply and get approved for participating Standard Chartered credit cards and fulfill the minimum spend criteria to get a chance to win an Apple iPhone 15 128GB (worth S$1,311).
Flash Deal reward will be received on top of existing SingSaver Exclusive reward.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Journey Card and make a min. spend of S$500 within 30 days of card approval to receive 15,000 Max Miles.
Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 45,000 miles
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Click here to apply.
Apple AirPods Pro 2nd Gen (worth S$365.70) + 45,000 miles; or
S$280 eCapitaVoucher + 45,000 miles; or
S$250 Cash via PayNow + 45,000 miles
Promotion is valid until 31 July 2024.
Promotion is valid for new Standard Chartered credit cardmembers only.
Apply for the Standard Chartered Journey Card and make a min. spend of S$500 within 30 days of card approval.
Promotion is stackable with welcome offer from Standard Chartered (T&Cs apply): Receive up to 45,000 miles
Receive 25,000 miles when you apply with annual fee waiver and make a min. spend of S$3,000 within 60 days of card approval
Receive 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Click here to apply.
More rewards when you apply for both products as a bundle
Citi Wealth First Account Benefits:
Enjoy up to 7.51% p.a.* on your savings with your Citi Wealth First Account. Earn higher interest and save more with every action.
Protect and build your wealth with our full suite of investment and insurance products.
Enjoy access to global banking & lifestyle privileges, travel benefits and get invited to exclusive events.
Get 6-month commission-free trades online* for U.S. and H.K. markets and have access to Global Market Insights with 350+ analysts worldwide.
Supporting team of experts and dedicated Relationship Manager to assist you to reach your goals
Citi Premier Miles Card Benefits:
1.2 miles per S$1 spent locally. 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.
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
Customer must complete application for both products in the bundle; if customer chooses to apply for Citi PremierMiles Card only, they must re-apply through the PremierMiles Card listing on SingSaver.
Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
Service fee applies to Citi PayAll facility.
Upgrade Your Rewards with a Simple Top-Up
Gift Options
Save S$464.25 on an Apple iPhone 15 Pro 128GB (worth S$1,664.25) by upgrading your reward with a top up; or
Save S$342 on a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128) by upgrading your reward with a top up; or
Save S$619 on an Apple Macbook Air M3 13" 256GB (worth S$1,599) by upgrading your reward with a top up; or
Save S$410.10 on an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10) by upgrading your reward with a top up; or
Save S$404.50 on an Apple Watch Series 9 GPS 41mm (worth S$604.50) by upgrading your reward with a top up
Promotion is valid until 31 July 2024.
Valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval.
The Reward Upgrade will replace SingSaver Exclusive promotional reward.
Promotion is valid for new Citi credit cardmembers only.
Apply for the Citi PremierMiles Card x Citigold One-Sell Bundle and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
Customers who apply for Citigold through the one-sell bundle will not be eligible for the SingSaver Exclusive offer for Citigold.
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
Airport Companion Program by DragonPass For primary cardholder and one guest. US$28 per guest per visit will be charged for others.
Annual Fee
S$ 654
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Non-waivable
Minimum Annual Income
S$ 120,000
Things to consider for this product:
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Airport lounge
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Bonus air miles
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Overseas rebate
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Annual Fee required
Unlimited access to 1,300 airport lounges worldwide, for you and a guest.
Earn 2.4 air miles per S$1 spent in foreign currency, and 1.4 air miles per S$1 spent locally.
Bonus 15,000 air miles upon renewal with min. S$100,000 spend within membership year.
Waiver of miles conversion fees.
Complimentary welcome drinks and up to 50% off at select Michelin-starred and fine dining restaurants.
Complimentary 2 x S$5 GrabGifts vouchers monthly.
Travel with peace of mind with up to S$1,000,000 Travel Personal Accident Insurance coverage.
24/7 UOB Visa Infinite Concierge for your banking and lifestyle needs.
No annual fee waiver
Terms and Conditions :
Installment Processing Fee : From 3 %
Eligibility :
Minimum Age: 21 years old
Minimum Annual Income: S$ 120000
American Express Platinum Card
Airport Lounge Access
Unlimited
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Participating lounges: - The Centurion® Lounge - International American Express Lounges - Delta SkyCLub® Lounges - Plaza Premium Airport Lounges - Priority PassTM Lounges
Annual Fee
S$ 1,744
Minimum Annual Income
Conditional
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Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Offer Available
AMEX 30 Million Miles Giveaway
Up to 141,000 Membership Rewards® points
Valid until
30 September 2024
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Things to consider for this product:
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Bonus air miles
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Dining savings
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Airport lounge
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Annual Fee required
Up to S$1,354 worth of travel, dining, and lifestyle credits inclusive of S$200 airline credits, S$400 global dining credits, S$400 lifestyle credits, S$204 entertainment credits, and S$150 fashion 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 such as the Marriott Bonvoy™ Gold Elite Status and Hilton Honors Gold Status.
Complimentary Access into Tower Club.
Complimentary Weekend Parking at Great World City.
Membership Rewards Points never expire.
Up to 50% savings at selected hotels such as Marriott, St. Regis, and W Singapore among others.
Up to 50% savings with Love Dining at selected restaurants such as Lawry’s, Sen of Japan, and Peach Garden among others.
Enjoy S$400 every year to use at over 1,400 curated restaurants locally and around the world.
Annual fee: S$1,744 (inclusive of GST).
AMEX 30 Million Miles Giveaway
Gift Options
Up to 141,000 Membership Rewards® points
Promotion is valid for new and existing American Express Card Members
Apply for the The Platinum Card® by AMEX through SingSaver, make a min. spend of S$8,000 within 60 days of card approval date, and pay the annual fee (S$1,744 incl. GST) to be eligible for reward
New to American Express Card Members
Welcome Offer: Receive 88,000 Membership Rewards® points upon fulfillment of reward criteria
Earn 10,000 Membership Rewards® points based on the S$8,000 spent (based on 2 Membership Rewards® points) per S$1.60 spent
Amex 30 Million Miles Giveaway*: Grab your additional 43,000 Membership Rewards® points (equivalent to 26,750 KrisFlyer miles) upon fulfillment of reward criteria
Existing American Express Card Members
Welcome Offer: Receive 88,000 Membership Rewards® points upon fulfillment of reward criteria
Earn 10,000 Membership Rewards® points based on the S$8,000 spent (based on 2 Membership Rewards® points) per S$1.60 spent
Amex 30 Million Miles Giveaway*: Grab your additional 32,000 Membership Rewards® points (equivalent to 20,000 KrisFlyer miles) upon fulfillment of reward criteria
*Should pool of miles run out before 30 September 2024, new and existing American Express Card Members will receive the welcome offer only.
For primary and supplementary cardholders. US$35 per guest per visit will be charged for others.
Annual Fee
S$ 662.15
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S$497.06 for HSBC Premier customers
Minimum Annual Income
S$ 120,000
Offer Available
Welcome Offer
Up to S$1,800 cashback
Valid until
31 August 2024
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Things to consider for this product:
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Bonus air miles
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Airport lounge
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Travel insurance
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Annual Fee required
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.
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.
Welcome Offer
Gift Options
Up to S$1,800 cashback
Promotion is valid until 31 August 2024.
Promotion is valid for new and existing HSBC credit cardmembers.
Apply for a new Cash Instalment Plan with a min. loan amount of S$10,000 and tenure of 3 years with marketing consent, text CIPSS <space> last 4 digits of your HSBC credit card to 74722 and get approved by 30 September 2024 to be eligible for reward.
Cashback received is based on 1% of the approved loan principal amount, capped at S$1,800.
Samsonite Straren Spinner 67/24 + 2x Apple AirTag worth S$690.80; or
Dyson Purifier Cool™ TP10 (worth S$599); or
18,000 Max Miles; or
S$320 eCapitaVoucher
Promotion is valid for new Citi credit cardmembers only
Apply for the Citi PremierMiles Card or the Citi Prestige Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
With 15,000 VOYAGE Miles or S$3,240 a year with 150,000 VOYAGE Miles.
Min. Annual Income
S$ 120,000
Things to consider for this product:
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No expiry air miles
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Overseas rebate
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Airport lounge
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Airport transfer
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$492.50.
Terms and Conditions :
Installment Processing Fee: From 3 %
Eligibility :
Minimum Age: 21 years old
Min. Annual Income: S$ 120000
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8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
Comparison of the Best Credit Card With Lounge Access in Singapore
Credit Card
Airport Lounge Access
How to Redeem
Citi Premier Miles Card
2x visits per year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
Standard Chartered Journey Card
2x visits per year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
DBS Altitude Visa Signature Card
2x visits per year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
CIMB Visa Infinite Card
3x visits per year with DragonPass
Apply for DragonPass Membership (complimentary for cardholders)
American Express Singapore Airlines KrisFlyer Ascend Card
4x visits per year to participating SATS Premier Lounges and 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 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
HSBC TravelOne Credit Card
4x visits per year with DragonPass
Apply for DragonPass Membership (complimentary for cardholders)
Standard Chartered Visa Infinite Card
6x visits per year with Priority Pass
Apply for Priority Pass Membership (complimentary for cardholders)
HSBC Visa Infinite Card
Unlimited visits with LoungeKey for both primary and supplementary cardholders
Present your primary or supplementary card and boarding pass to the lounge operator.
OCBC Voyage Card
Unlimited visits to Plaza Premium VIP airport lounges globally
Complimentary access granted upon card approval and renewal of card membership fee
What Are Airport Lounges?
Airport lounges are exclusive, comfortable areas within airports for departing and transit passengers. They offer various amenities (e.g., seating, Wi-Fi, snacks, showers, etc.), often accessible through airline memberships, independent lounge programs, or premium credit cards.
What Are the Types of Lounge Access Available to Credit Card Users?
Credit card users may enjoy access to various airport lounges, including general lounges, airline-specific facilities, exclusive credit card lounges, and global lounge networks (e.g., Priority Pass, Dragon Pass, LoungeKey, and Plaza Premium), each offering unique amenities for a more comfortable travel experience.
General Airport Lounges
Several miles credit cards provide access to affiliated airport lounges, offering basic services and amenities like seating, Wi-Fi, and food for travellers.
Airline-Specific Lounges
Co-branded and premium credit cards often provide access to lounges operated by the partnered airline, giving cardholders a more personalised experience related to that specific carrier.
Exclusive Credit Card Lounges
Select credit cards offer their own exclusive lounge networks, such as the American Express Centurion Lounge, providing luxury services and high-end amenities to cardholders.
Global Lounge Networks
Some miles credit cards offer memberships to different global lounge networks (e.g., Priority Pass, Dragon Pass, LoungeKey, and Plaza Premium) as a cardholder perk, irrespective of the airline or class of travel.
The Best Airport Lounges in the World
Qatar Airways Al Mourjan Business Lounge (Hamad International Airport, Doha)
Renowned for its opulent decor and spacious design, Qatar Airways' Al Mourjan Business Lounge offers an extensive dining menu, shower facilities, and a tranquil atmosphere, creating a luxurious pre-flight experience.
Cathay Pacific The Pier, Business Class Lounge (Hong Kong International Airport)
As the largest lounge of Cathay Pacific, Pier Business Class Lounge features a diverse array of dining options, elegant design, and personalised services for its premium travellers.
The SilverKris Lounge by Singapore Airlines offers a culinary experience in its dining hall, spacious seating with separate areas for dining and workstations, and other excellent facilities that create a comfortable and stylish setting for passengers.
ANA Suite Lounge (Haneda Airport)
Providing a serene and refined atmosphere, the ANA Suite Lounge in Haneda Airport offers high-quality dining options, private relaxation spaces with massage chairs, and impeccable service, catering to the needs of first-class travellers.
How Do You Get Unlimited Lounge Access?
"Unlimited lounge access" typically refers to the ability of a traveller to enter airport lounges without restrictions on the frequency of visits. This means they can enjoy the amenities and comforts of airport lounges whenever they travel, often without additional fees for each visit.
There are select premium credit cards that provide unlimited lounge access, allowing cardholders to enjoy lounge amenities and services for free. However, it's crucial to review individual card details for specific terms, conditions, and affiliated lounge networks to understand the full extent of this valuable perk.
Types of Lounge Networks
Exploring airport lounge access options? Here's a comparison of four prominent programs: Priority Pass, Plaza Premium Lounge, DragonPass, and LoungeKey.
Largest lounge network with 1,500+ lounges globally
Membership Access
Purchase Priority Pass membership or hold premium credit cards that offer Priority Pass membership as a complimentary benefit
Guest Policy (Credit Card Membership)
Guest access varies, subject to individual credit card terms
Additional Services
Offers complimentary snacks and drinks, Meet & Assist services, spas and massages, and co-working environments
Affiliation with Credit Cards
Affiliated with select premium credit cards, providing complimentary lounge access or Priority Pass membership discounts as benefit
Global Network
Global presence with 180+ lounges in numerous airports
Membership Access
Available through lounge membership, purchase of day passes, and affiliations with certain credit cards
Guest Policy (Credit Card Membership)
Guest access is often available, with terms varying by location, membership type, and credit card perk
Additional Services
Provides various services beyond lounge access, including private resting spaces, computer workstations, and more
Affiliation with Credit Cards
Associated with various credit cards, providing lounge access as a benefit with varying terms and conditions
Global Network
Global network with over 1,300+ lounges, including some at railway stations in China
Membership Access
Other than official memberships, DragonPass is also associated with specific credit cards, offering lounge access as a benefit
Guest Policy (Credit Card Membership)
Allows guest access, subject to individual credit card terms
Additional Services
Offers a range of travel-related benefits, including dining offers, airport transfers and meet and greet services
Affiliation with Credit Cards
Affiliated with certain credit cards, offering DragonPass membership as a complimentary benefit
Global Network
Global network with 1,250 diverse lounge options
Membership Access
LoungeKey membership and select credit cards, typically associated with eligible Mastercard holders, as a complimentary benefit
Guest Policy (Credit Card Membership)
Guest policies vary by credit card and may include additional fees
Additional Services
Lounge access plus discounts or deals at airport restaurants, shops, and spas
Affiliation with Credit Cards
Often associated with specific credit cards, including eligible Mastercards, providing LoungeKey access as a complimentary benefit
What To Look Out for When Picking a Credit Card for Lounge Access?
When selecting a credit card for lounge access, consider the following key factors:
Lounge Location
Check which lounges are accessible through the credit card. Ensure the lounges are located at your frequently visited airports.
Global Coverage
Choose a card with a lounge programme offering global coverage to enhance travel convenience.
Guest Access Policy
Understand the card's policy on guest access, as it varies. Some cards offer limited complimentary guest passes, while others may charge for guests.
Lounge Amenities
Review the amenities offered in affiliated lounges, such as food, Wi-Fi, shower rooms, and workspaces, to ensure they meet your preferences.
Lounge Network Affiliation
Assess whether the card is affiliated with a specific lounge network (e.g., Priority Pass, DragonPass) and how this aligns with your preferred travel destinations/frequently visited airports.
Spending Habits Alignment
The card should complement your overall spending habits and financial goals, ensuring it also supports your lifestyle beyond just lounge access.
See All Prizes
8x Apple iPad (each worth $679)
8x Dyson AirwrapTM styler (each worth $849)
8x Nintendo Switch OLED (each worth $549)
8x Playstation®5 consoles (each worth $799)
Frequently Asked Questions For Credit Cards With Lounge Access
Are airport lounges free to visit with a credit card?
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Yes, airport lounge access can be complimentary with certain miles credit cards.
These cards provide this benefit as a perk, offering cardholders access to airport lounges without additional charges. However, not all credit cards offer this benefit, so it's essential to check the specific terms of each card to see if it includes complimentary lounge access.
If you have used up your complimentary lounge visits, you will need to pay for subsequent visits, which start from $32 USD onwards.
Is it worth it to to pay for lounge access?
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Whether it's worth paying for lounge access depends on your travel frequency, preference for amenities, and budget.
If you travel often, value a quiet and comfortable space, and can benefit from amenities like food, beverages, and Wi-Fi, purchasing lounge access might be worthwhile.
However, it may not be necessary if you rarely travel or have lounge access through other means (e.g., airline status). Weigh the cost against the benefits to make an informed decision.
Can Krisflyer Members use airport lounges?
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Yes, KrisFlyer members can access airport lounges based on their membership tier (Elite Silver, Gold, or PPS Club) or class of travel (Business or First Class).
Lounge eligibility may vary, so checking the specific terms associated with the KrisFlyer membership, the booked flight, and other terms and conditions is advisable.
What is a Lounge Guest Allowance?
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A Lounge Guest Allowance refers to the number of guests a person is permitted to bring into an airport lounge using a specific lounge access programme or credit card benefit.
This allowance varies among programmes and credit cards. Some may offer complimentary guest passes (mostly limited), allowing cardholders to bring in a certain number of guests for free.
Meanwhile, others may require payment for additional guests beyond the complimentary allowance of 1 or 2 guests.
The Lounge Guest Allowance is an important factor to consider when assessing the overall value of a lounge access benefit.
Can supplementary cardholder access airport lounges?
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Whether a supplementary cardholder can access airport lounges depends on the specific terms and conditions of the credit card. Primary cardholders may have the option to extend lounge access privileges to supplementary cardholders.
However, the extent of this access, including any potential fees or restrictions, can vary between credit cards and their associated lounge access programmes.
It is advisable to review the details provided by the credit card issuer or consult the terms and conditions to understand the specific rules regarding lounge access for supplementary cardholders.