Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Mastercard Airport Experiences by LoungeKey

Discover how you can use your credit card to get access to airport lounges around the world.


Fact checked

If you want to make the most of your next airport experience, consider a credit card with the LoungeKey airport lounge program. These cards offer complimentary or discounted access to over 1,000 airport lounges worldwide. On top of that, you’ll also get money off dining, shopping and spa experiences. Use this guide to find out more about which credit cards offer LoungeKey and how you can take advantage of the program.

BMO CashBack World Elite Mastercard

BMO CashBack World Elite Mastercard

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

BMO CashBack World Elite Mastercard

Apply today and earn up to 10% cash back within the first 3 months.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Annual fee: $120
  • Credit rating: Excellent
Go to site

What is Mastercard Airport Experiences by LoungeKey?

The Mastercard Airport Experiences Provided by LoungeKey program is pretty simple. If you have an eligible Mastercard, you can qualify for free access to over 1,000 lounges in 400 airports around the world. You can also take advantage of discounts on shopping, dining and spa services. All you have to do is register for the program and download the app. Then, you can search for lounges and discounts in the airport you’re visiting.

What lounges can I access with the LoungeKey airport lounge program?

You can access the LoungeKey airport lounge program from just about anywhere that has a major international airport. Simply go to the website or mobile app, and search by country, city or airport. For example, if you’re travelling through London Heathrow Airport, you’ll be able to access four different lounges at various terminals. Check out the table below to get an idea of where you might find participating locations in other countries and regions.

Compare credit cards with Mastercard Airport Experiences by LoungeKey

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
BMO World Elite Mastercard
$0 annual fee for the first year ($150 thereafter)
Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on Plus, get the $150 annual fee waived in the first year.
BMO CashBack World Elite Mastercard
$0 annual fee for the first year ($120 thereafter)
Earn 1.5% cash back on all eligible purchases.
Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
BMO AIR MILES World Elite Mastercard
$0 annual fee for the first year ($120 thereafter)
Get 1 AIR MILE for every $10 spent on eligible purchases.
Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year.
BMO AIR MILES Mastercard
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.

Compare up to 4 providers

Major International Airports with LoungeKey Access




Bali (Denpasar)
Hong Kong





New Zealand


United Arab Emirates

Abu Dhabi

United Kingdom


United States

Las Vegas
New York
San Francisco

What discounts will be available to me?

In addition to access to the LoungeKey airport lounge program, participating airports may offer special discounts on dining, shopping and spa experiences for customers. However, the program is underdeveloped in many regions, with relatively few special offers on services or retail available. For example, there are no discounts currently available at Heathrow Airport, while at JFK airport in New York, you may be able to qualify for discounted massages or entertainment services.

Credit cards offering access to Mastercard Airport Experiences

Two of the most common types of cards offering theLoungeKey airport lounge program are outlined below, with some examples of each.

  • World Mastercards. These cards offer a number of travel benefits, but only some will give you access to the LoungeKey program.
  • World Elite Mastercards. Many World Elite Mastercards come with LoungeKey access, in addition to giving you preferred access to travel discounts and exclusive offers. Some examples include the BMO Cashback World Elite Mastercard, World Westjet RBC World Elite card and the HSBC World Elite card.

With both types of cards, complimentary access isn’t guaranteed. It depends on your card provider, as well as what type of card you have. BMO tends to offer several free visits before charging a minimal fee for access. Other providers charge a small fee right off the bat.

How to register

You can register by going to the Mastercard Airport Experiences by LoungeKey website or by downloading the app. Click the “Register Now” button, and follow these steps to sign up.

  • Verify your details. As part of your account registration, you’ll need to enter your credit card number and personal details to confirm your eligibility for the LoungeKey program.
  • Search for participating lounges. Once you’re registered, you can use the LoungeKey airport lounge program website or mobile app to find lounges that offer you free or discounted access.
  • Request entry to the lounge. When you get to the airport, you can simply present your eligible Mastercard and mention LoungeKey to the lounge staff. You can also present your digital lounge access code available after you register for your online account. Depending on the lounge, you may also need to show your valid boarding pass and passport to be able to use its services.

Can I bring a guest?

It depends on the lounge you want to use. Most of the participating locations will allow you to bring a guest, but there might be additional costs or restrictions. These details are usually shown when you search for lounges on the website, which gives you a way to plan ahead and budget for any fees that might apply.

What else do I need to know about the LoungeKey airport lounge program?

Keep these details in mind so you can make the most of this program:

  • Card requirements. You have to supply a valid, eligible credit card to be able to get into participating lounges. If you don’t have your credit card on you, or it’s expired, you’ll likely be turned away.
  • Lounge requirements. Some lounges might have specific requirements for access, like dress codes, fees for extra guests and time limits on your visit. You can find details for individual lounges by using the LoungeKey lounge finder service.
  • Additional charges. You might end up having to pay for some lounges and there could be different charges for additional guests and extra services.

Having a credit card that offers complimentary or discounted lounge access through LoungeKey gives you a way to enjoy luxury between flights all around the world. However, with similar services available through Priority Pass and other services, it’s worth comparing different lounge and credit card options so that you can find one that suits your needs.

Frequently asked questions

More guides on Finder

Go to site