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Credit cards with free airport lounge access

Relax before your next flight in style with a credit card that offers complimentary airport lounge access.

There are plenty of premium credit cards offering travel perks in Singapore, including credit cards with lounge access. Such cards allow you to relax between flights and enjoy premium services without paying an entry fee.

This guide helps you compare and choose credit cards with free airport lounge access. Read on to learn about common requirements you need to meet to get airport lounge access, discover popular lounges and consider the pros and cons involved.

Compare credit cards with free airport lounge access

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per $1 spent on local purchases, with no cap.
$337.05 annual fee
Get a complimentary stay at Sofitel Singapore Sentosa Resort & Spa, Luxury Room (worth up to $460++) when you spend $5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Valid until 31 January 2022.
Citi PremierMiles Card
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
Up to 26% cashback at selected merchants
$192.60 annual fee
Get 45,000 miles when you spend $9,000 in the first 3 months. Annual fee applies.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
$535 annual fee
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 31 March 2022.
DBS Altitude Card
Earn up to 5 miles per S$1 spend on travel spend with no expiry
$0 annual fee for the first 1 year and $192.60 thereafter
Get up to 38,000 miles with promo code ‘ALTAF' when you apply online via digibank or Myinfo with Singpass and charge a minimum of $6,000 within 90 days from card approval date. T&Cs apply. Ends 31 Jan 2022.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
UOB Visa Infinite Metal Card
Get 2 air miles per $1 spent overseas and 1.4 air miles per $1 spent locally
$642 annual fee
Receive up to 25,000 miles (UNI$12,500) when you’ve paid the annual fee. T&Cs apply.
Standard Chartered Visa Infinite X Credit Card
Up to 2 miles per $1 spent.
Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply
$695.50 annual fee
Receive 30,000 miles (in the form of 75,000 360° Reward Points) when you apply. T&Cs apply.
Standard Chartered Priority Banking Visa Infinite Credit Card
Earn 2.5 points for every $1 spent on your credit card
Receive up to $280 cashback. T&Cs apply.
$321 annual fee
Receive up to $280 cashback and 6-month Disney+ subscription when you spend $200. T&Cs apply. Ends 31 Jan 2022.
Standard Chartered Visa Infinite Credit Card
Up to 3 miles for every $1 charged to your card with $2,000 minimum spend
$588.50 annual fee
Earn 35,000 bonus miles in the form of 87,500 points when you apply for the Visa Infinite Credit Card.
Maybank Business Platinum Mastercard
Get your business logo printed on your card. Plus, enjoy a global concierge service
Get up to S$50 cash credits to offset your credit card payments
$0 annual fee for the first 2 years and $180 thereafter
Earn TREATS Points for every dollar spent and redeem them for vouchers, cash credits and air miles.
Maybank Visa Infinite Credit Card
Complimentary two-way airport limousine transfers. S$3,000 minimum spend per month
Earn up to 5X TREATS Points (2 air miles) on all spend
$0 annual fee for the first 1 year and $600 thereafter
Get complimentary enrolment to Maybank's Rewards Infinite Programme and gain access to VIP perks as you earn up to 5X reward points that never expire.
Maybank Horizon Visa Signature Card
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
Earn up to 3.2 Air Miles (8X TREATS Points) per dollar spent in Singaporean restaurants, petrol stations, public transport charges and Agoda hotel bookings.
$0 annual fee for the first 3 years and $180 thereafter
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.
Maybank World Mastercard
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
10X TREATS Points (4 air miles) on every S$1 spent at selected merchants
$0 annual fee for the first 1 year and $240 thereafter
Receive Garmin vívomove Style (worth S$469) when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$300 for each of the first two months upon approval. T&Cs apply.

Compare up to 4 providers

How do credit cards with free airport lounge access work?

A credit card with airport lounge access offers complimentary access to exclusive waiting areas at the airport. This means you can relax in style and comfort before your flights, with popular airport lounge features including Wi-Fi, food and beverages, premium seating and even beds and showers.

Most credit cards with lounge access provide a limited number of passes for each year you have the card, and a few provide lounge passes as an introductory benefit. Depending on the card and the type of lounge pass available, you may be able to invite a guest or provide access to a supplementary cardholder. Usually, you will have to meet specific requirements to access this feature, such as spending a certain amount, keeping your account in good standing or requesting the passes directly through your card provider.

Requirements to get airport lounge access with a credit card

While the requirements to get lounge access with your credit card vary based on the provider, some of the most common conditions include:

  • Valid ticket. Most airport lounges require all guests to have a valid ticket for a flight departing that day.
  • Dress code. Lounges often have specific dress code requirements, such as smart casual dress and no shorts.
  • Program enrolment. Credit cards with lounge access often function through a member-based service, such as Priority Pass, which may require you to enrol in that program to receive your complimentary access.
  • Spending requirement. Your credit card provider may require you to spend a specific amount of money each year to be eligible for complimentary airport lounge passes.

How to compare credit cards with free airport lounge access

To get the most value from your credit card with lounge access, you will need to compare the features of each option, including:

  • Annual fee.
    The annual fee will depend on the type of credit card, its additional features and spending limit. The platinum and black cards that offer this feature usually have higher fees than your typical credit card. You may get lucky and find one that waives the fee for the first year, making it more enticing to sign up.
  • Rates.
    Depending on the way you plan to use the credit card, interest rates will make a big difference in the value provided by the cards. The purchase rates, cash advance rates and balance transfer rates may also differ across cards, so you will need a good idea of how you plan to use your card before making comparisons. For example, if you are using it to earn points towards flights but don’t plan on carrying a balance, look for low purchase rates with extended interest-free days.
  • The number of lounges you can access.
    This feature is dependent on the airline and network that the card is working with. An American Express Singapore Airlines KrisFlyer Ascend Credit Card holder, for example, will get 4 complimentary vouchers to participating SATS Premier Lounges in Singapore and Plaza Premium Lounges worldwide.
  • The rewards program or airline provider.
    Many of the credit cards with airport lounge access are a part of a rewards program that could be tied to a specific airline. If you favour one airline over another, then this is definitely worth considering. Another thing to look for is whether or not your exclusive lounge access is contingent on the number of points you have earned.
  • Perks.
    Airport lounges use various perks to please their first class and frequent flyers. The credit card you choose will determine the perks you are entitled to when waiting for flights.
  • Other benefits.
    Look to see what else the card is offering outside of the complimentary access to airport lounges. You could find some that have money-saving balance transfer offers if you are carrying a lot of debt, or bonus rewards points if you are trying for free tickets on your next holiday.

What types of airport lounges can I access with a credit card?

The design and features of airport lounges vary depending on the company or airlines that operate them. But if you’ve never set foot in a lounge and want to know what they offer, here are some of the locations you could gain access to with specific credit cards:

Plaza Premium Lounge (Terminal 1)

Singapore Changi Internation Airport has 3 terminal, with lounges in every departure/transit area. Each lounge offers unique design elements and services, with popular features including complimentary Wi-Fi, meeting rooms and free food and beverages. Credit cards with lounge access include the American Express Singapore Airlines KrisFlyer Ascend Credit Card and the OCBC Voyage Card. Note specific lounge terms and conditions apply.

Priority Pass Lounges – Ambassador Transit Lounge (Terminal 2)

Priority Pass is a subscription-based service that provides members with access to over 1000 lounges around the world. Depending on the level of membership, you may get unlimited access at no extra cost, a fixed number of free passes per year, or entry for a reduced fee. Credit cards that provide Priority Pass access and/or membership include the DBS Altitude Visa Credit Card, the Standard Chartered Visa Infinite Credit Card and the HSBC Visa Infinite Credit Card. You may also pay for a membership.

Pros and cons of credit cards with lounge access


  • A relaxed environment. An exclusive airport lounge takes you out of the chaos that is typically found in an airport waiting area.
  • Freebies. Enjoy free drinks and snacks while waiting to be called for your flight.
  • Convenience. With cosy chairs, tables and workstations, you can spend your time wisely by taking advantage of free Wi-Fi to catch up on work.
  • Other benefits. Since the majority of these cards are a part of a rewards program, using them will earn you points that can later be redeemed for airfare, merchandise and more.


  • Restrictions. In some cases, you might be restricted to which amenities are available to you inside of the airport lounge.
  • Fees. As a result of the benefits and perks that come with these cards, you will find that the annual fees are higher than with regular credit cards.
  • Accessibility. With some of these cards, you will find that the lounge you have free access to is not available at certain airports.
  • Limitations. Complimentary passes are usually offered in pairs. If you are travelling with a large group, you might find that not everyone will be able to wait with you inside of the lounge.

Airport lounge access is just one small part of an entire credit card package. As you are taking into consideration the type and nature of access each card is offering, don’t forget to compare that information against the other features and benefits that the credit card is offering.

Frequently asked questions about airport lounge access

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