Best Airport Lounge Credit Cards in Singapore (2024)
Owning a credit card that gives you airport lounge access changes the way you fly. Imagine sinking into a plush sofa while waiting for the boarding gate to open. You can pick up some magazines and snack on some fresh fruit, all in a quiet and relaxing ambience.
Best Credit Cards For Airport Lounge Access in Singapore (2024)
With so many credit cards partnering up with airport lounge access programmes, it’ll be great to differentiate which card is linked to which chain of participating lounges across the globe, so that you’ll make sure you get the ideal place to refresh yourself during your journey.
2 free visits to Priority Pass lounges
DBS Altitude Card
2 free visits to Priority Pass lounges
Citibank PremierMiles Card
3 complimentary lounge access
CIMB Visa Infinite Card
Attractive Promotion
Maybank Horizon Visa Signature Card
4 free passes to SATS Premier Lounge & Plaza Premium Lounges
AMEX KrisFlyer Ascend Airport
2 free visits to Priority Pass lounges
Standard Chartered X Card
Which Credit Cards Are Best for Airport Lounge Access?
| Credit Cards 💳 | Type of complimentary lounge access ✅ | Minimum annual income required 💵 | Annual fee 💸 |
|---|---|---|---|
| Maybank Horizon Visa Signature Card | 1 free visit to Ambassador Transit Lounge in Singapore and Plaza Premium lounges in Singapore, Kuala Lumpur, Hong Kong per month (require a minimum spend of $1,000 in one single receipt) | $30,000 | S$181.67 (incl. of 9% GST) |
| DBS Altitude Visa Signature Card | 2 free visits to Priority Pass lounges at over 1,300 airport lounges worldwide per year | $30,000 | S$196.20 (incl. of 9% GST) |
| Citibank PremierMiles Card | 2 free visits to Priority Pass lounges at over 1,300 airport lounges worldwide per year | $30,000 | S$196.20 (incl. of 9% GST) |
| Amex SIA KrisFlyer Ascend Card | 4 free visits to SATS Premier lounges in Singapore and Plaza Premium lounges worldwide per year | $50,000 | S$343.35 (incl. of 9% GST) |
| Standard Chartered Journey Card | 2 complimentary visits to Priority Pass lounges around the world each year | $30,000 | S$196.20 (incl. of 9% GST) |
| HSBC Visa Infinite Card | Unlimited access to over 1,100 airport lounges worldwide for you and your supplementary cardholders per year | $120,000 | S$662.15 (incl. of 9% GST) |
| CIMB Visa Infinite Card | 3 complimentary global lounge access at over 1,000 airports | $120,000 | None (No annual fees for as long as you’re a CIMB Visa Infinite cardholder with them) |
Citi PremierMiles Card
Citi PremierMiles Card
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel and Flight bookings
- S$1 = Up to 10 miles
[MoneySmart x Ascott Travel Like A Millionaire Lucky Draw]
Get S$350 Cash or 5,040 SmartPoints in as fast as 5 weeks when you meet the spend criteria. T&Cs apply. PLUS stand a chance to win up to $6,500 worth of Staycay, Flights and Rewards! T&Cs apply.
Additionally, enrol in our Rollin’ Rewards campaign today and stand a chance to score an additional 7,460 SmartPoints. That’s a grand total of 12,500 SmartPoints if you apply today.
Standard Chartered Journey Credit Card
Standard Chartered Journey Credit Card (No Annual Fee)
- for every S$1 spend on Transportation, Food Delivery & Online Grocery merchants. Capped at 3,000 Miles in a statement cycle
- S$1 = 3 Miles
- for all Eligible Foreign Spends
- S$1 = 2 Miles
- for all Eligible Local Spends
- S$1 = 1.2 Miles
Get S$180 Cash via PayNow when you apply through MoneySmart and spend a min. of S$500 in eligible transactions within 30 days from card approval date! T&Cs apply.
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply. Earn up to 25,000 Miles when you sign up for the Journey Credit Card, meet the eligible spends and waive your card's first year Annual Fee. T&Cs apply.
HSBC TravelOne Card
HSBC TravelOne Card
- on Local Spend
- S$1 = 1.2 miles
- on Foreign Currency Spend
- S$1 = 2.4 Miles
- Travel Insurance coverage, Airport Lounge visits
- Complimentary
[Unlock Exclusive Rewards with HSBC]
Stand a chance to win the LATEST MacBook Pro M4 14” (S$2,199), Apple iPad Pro 11" 256GB (S$1,499) or Apple Watch Ultra 2 (S$1,199) when you fulfill the campaign requirements. T&Cs apply.
Be the first 30 successful applicants to apply and receive an Apple Watch SE (worth S$382.50). T&Cs apply.
PLUS, apply now and get a 1 + 1 Samsonite Luggage (worth S$1,000) from HSBC. T&Cs apply.
Additionally, enrol in our Rollin’ Rewards campaign today and stand a chance to score an additional 7,460 SmartPoints.
CIMB VISA Infinite Card
CIMB Visa Infinite
- Unlimited cashback on Travel, Overseas & Online Spend in Foreign Currency
- 2%
- Min. spend per month
- S$2,000
- Cash Rebate cap
- Unlimited
DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
- Local Spend
- S$1 = 1.3 miles
- Overseas Spend (made in foreign currency)
- S$1 = Up to 5 miles
- on Online Travel Bookings
- S$1 = Up to 2.2 miles
AMEX SIA KrisFlyer Ascend Card
American Express Singapore Airlines KrisFlyer Ascend Credit Card
- on eligible Singapore Airlines, Scoot flight bookings & KrisShop purchases
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
New to American Express Card Members can receive up to 38,000 KrisFlyer miles – enough to redeem a return trip to Taipei* on Singapore Airlines, while existing American Express Card Members can receive up to 28,000 KrisFlyer miles. T&Cs apply.
Maybank Horizon Visa Signature Card
Maybank Horizon Visa Signature
- on Air Tickets and Foreign Currency Spend
- S$1 = 7X Points
- on local Shopping, Groceries, Dining, Hotel Bookings
- S$1 = 3X Points
- Rewards to Miles Conversion for Selected Airline Partners
- 1 Point = 0.4 Miles
One of the most attractive features about the Maybank Horizon Visa Signature card is that you can flash the credit card and get access to various participating lounges in Singapore, Kuala Lumpur and Hong Kong.
There is only 1 complimentary visit, however, and you will have to charge a minimum of $1,000 in a single retail transaction on the card in the past 3 months to get it. You need $50,000 in minimum annual income to apply.
The upside is that Maybank Horizon Visa Signature credit card’s annual fee is waived for 3 years, so it doesn't cost you anything to hold on to it.
HSBC Visa Infinite Card
- Local Spend
- S$1 = Up to 1.25 Miles
- Overseas Spend
- S$1 = Up to 2.25 Miles
- for personalized assistance
- Dedicated Concierge Service
Having this card also helps you earn 2.25 miles for every $1 spent abroad, gets you covered by a complimentary travel insurance of up to US$2,000,000 (annual value worth S$988), and even complimentary green fees and worldwide golfers' insurance of up to $500,000.
OCBC 90°N MasterCard
OCBC 90°N Card
- on Agoda accommodations worldwide
- S$1 = Up to 7 Miles
- on Foreign Currency spend
- S$1 = 2.1 Miles
- on Local spend
- S$1 = 1.3 Miles
Unlike the other cards which offers free airport lounge access, the OCBC 90°N MasterCard provides paid access to more than 1,000 airport lounges worldwide, plus discounts during your visit. However, you’ll have to apply through the MasterCard Airport Experience App and pay a USD32 for each lounge access.
The miles earn rate for this card is up to 7 miles (in terms of Travel$), 2.1 miles for every $1 spent on foreign currency spending and 3 miles for every $1 spent on online entertainment. What’s more, there’s no expiry for your Travel$ accumulated, which can be converted to loyalty points and be used at airline and hotel programs.
Diners Club CASHBACK Card
.jpeg)
DCS CASHBACK Card
- on all eligible transactions
- Up to 5% Cash Rebate
- Airport Lounge Access and Insurance Coverage
- Complimentary
- Annual Principal Fee
- S$196.20 (inclusive of GST)
Highlights of the DCS Cashback card include complimentary access to nearly 1,300 airport lounges across 600+ cities in 140 countries worldwide, including Changi Airport Terminal 1, 2, 3 and 4.
Additionally, you’ll enjoy 5% cash rebate for all eligible transactions with a minimum spending of S$400 (per month) on your DCS CASHBACK Regular Credit Card.
DBS Vantage Visa Infinite Card
AA.png)
DBS Vantage Visa Infinite Card
- Local Spend
- S$1 = 1.5 miles or 1.5% cashback
- Overseas Spend
- S$1 = 2.2 miles or 2.2% cashback
- when you pay the Card's Annual Fee
- 25,000 Bonus Miles
Sign up for a free MoneySmart account to continue reading
With MoneySmart's free membership, you unlock unlimited access to blog, exclusive rewards on financial products, up to 70% cashback at the MoneySmart Store, and more! Registration only takes 30 secs.
Types of Airport Lounge Access Programmes
There’s a diverse range of credit cards that can get you complimentary airport lounge access and the benefits of each card differs in its terms as well. To give you a quick overview, the more popular ones include Priority Pass, Plaza Premium, and DragonPass. Priority Pass and DragonPass are by far the most prolific chains, with each chain having over 1,300 lounges across the world, while Plaza Premium has more than 1000 lounges globally.
Priority Pass Lounges Credit Cards
Cards like DBS Altitude Card and Citibank PremierMiles Card grant you free membership to the Priority Pass programme and 2 complimentary passes during the 1 year membership period. Priority Pass is actually a huge global lounge programme with over 1,300 lounges in hundreds of cities worldwide and being part of this programme will enable you to enjoy many perks including exclusive sleeping areas, complimentary refreshments, free Wi-Fi spa treatments, and more.
Priority Pass has gone digital since January 2021, so if you’re keen to apply for it, do note that your Priority Pass application and/or renewal have to be done via the Priority Pass app or website, and your Digital Priority Pass membership will also be issued online. For the full list of Priority Pass airport lounges and benefits, you may visit here. The application approval time will take around 2 to 3 weeks to process. So if you’re planning to use this perk for your upcoming trips, be sure to plan for it in advance, or you can consider forking out a one-time entry fee of US$27 if you really wish to try it out without signing up for any credit cards.
Plaza Premium and SATS Premier Lounges Credit Cards
Other cards like the American Express Singapore Airlines KrisFlyer Ascend Credit Card entitles you to access at the SATS Premier Lounge at Changi Airport and Plaza Premium Lounges, which has a smaller network of lounges when compared to Priority Pass. Regardless, you get 4 free visits a year to both types of lounges, and 4 times is definitely more than what Citibank, DBS and Standard Chartered X Card can offer.
DragonPass Lounges Credit Cards
DragonPass is another renowned premium airport service provider of airport lounges, as well as meet and greet and limousine services that compliments your airport lounge access. Its membership comprises three tiers — Classic, Preferential and Prestige, all of which include free visits to any DragonPass lounge, dining discounts with up to 25% off, preferential rates on premium airport transfers, access to global meet and greet services and more.
About the Author
Exclusive: Most Popular Credit Cards in Singapore
MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!
Frequently Asked Questions
Which credit card gets you into airport lounges?
- Entry-level cards that give you airport lounge access are: DBS Altitude Card, Citibank PremierMiles Card and Maybank Horizon Visa Signature Card. If your income qualifies for higher thresholds, you can go for Standard Chartered X Card, AMEX KrisFlyer Ascend and HSBC Visa Infinite Card or CIMB Visa Infinite Card.
Can economy class use the lounge?
- Yes, even if you are travelling on economy class, you can apply for credit cards that offer complimentary lounge access. Do take note that you need to sign up for the specific lounge memberships to qualify and the process may take 2 to 3 weeks.
How can I get a free Priority Pass?
- For Priority Pass lounge access, you can apply for DBS Altitude, Citibank PremierMiles and Standard Chartered X Card. Make sure that the card suits your lifestyle before applying.
Which credit card offers free airport transfer?
- If you are frequent traveller, head over to our article on the best credit cards with airport transfers to find out more!
How much does entry to a Priority Pass lounge cost?
- You’ll be charged a one-time entry fee of US$27 if you do not have any complimentary Priority Pass membership access. There are 3 tiers to the Priority Pass membership which you can consider and check out at Priority Pass’ website.
Which card gives unlimited airport lounge access?
- The HSBC Visa Infinite Card entitles you to unlimited access to over 1,100 airport lounges worldwide for cardholders and supplementary cardholders who qualify for this privilege.
Do I have to hit a minimum credit card spend amount to enjoy free airport lounge access?
- Most credit cards do not require you to spend a minimum sum to qualify for the complimentary airport lounge access, but certain cards like the Maybank Horizon Visa Signature Card requires a minimum spend of $1,000 in one single receipt in order to enjoy 1 free visit to Ambassador Transit Lounge in Singapore and Plaza Premium lounges in Singapore, Kuala Lumpur, Hong Kong per month.
Are there waivers for credit card annual fees?
- Yes, there are many credit cards that offer free waivers for your annual fees, but you’ll have to call in or email or log into your account with your credit card issuing bank to request for it.
