Credit Cards

A primer on credit card lounge access

Lounge access used to be something reserved only for premium cabin flyers or long suffering elites stuck in coach. But frequent-flyer targeting credit cards are changing that equation now by offering lounge memberships.

Lee Cardholder always cracks me up for some reason

The vast majority of card issuers partner with Priority Pass to provide lounge access to their cardholders. However, not all tie-ups are equal, as the table below shows

CardIncome ReqLounge NetworkNo of Free VisitsSusbsequent VisitGuest Visits
DBS Altitude (Visa only)30,000Priority Pass2 per 12 month membership periodUS$27US$27
UOB JCB Card30,000JCB-partnered loungesUnlimited access except in SGN/APrevailing rates
Maybank Horizon Plat30,0004 lounges in SIN, KUL and HKG1 visit per S$400 spent on air tickets/travel packages within 3 monthsS$42Prevailing rates
SCB Priority Banking VI30,000 (Min AUM: 200,000)Priority Pass4 (if AUM <$200K), 24 (if AUM >$200K). Unlimited for Priority Private + Private BankingN/AUS$27
Diners Club Cards30,000Diners Club Lounges1 free visit between April and MarchS$32.10S$32.10
Citibank PM50,000Priority Pass2 per calendar yrUS$27US$27
Krisflyer Ascend50,000Plaza Premium + SATS lounge in SG4 per calendar yrN/AVouchers can be used for guest as well
Citibank Prestige120,000Priority PassUnlimitedN/A1 free guest, unlimited
CIMB VI120,000Priority Pass (Dragon Pass from 1 Oct 2017)3 per calendar yrUS$27 (US$25 from 1 Oct 2017)US$27 (US$25 from 1 Oct 2017)
HSBC VI120,000Priority PassUnlimitedN/AS$38, but supp cardholder gets a complimentary unlimited Priority Pass as well
OCBC Voyage120,000Plaza PremiumUnlimitedN/A1 free guest, unlimited
BOC Visa Infinite120,000Plaza Premium 2 per 12 month membership periodN/APrevailing rates
SCB VI150,000Priority Pass6 per calendar yrS$38S$38
Maybank VI150,000Priority PassUnlimitedN/AUS$27
AMEX Platinum CardInvitationPriority Pass, AMEX lounges, Delta loungesUnlimitedN/A1 free guest, unlimited

Surprisingly, the UOB PRVI Miles card does not seem to offer lounge access, which is pretty shocking for something marketed as a frequent flyer card. Instead, they offer 20% and 10% off Singapore/Malaysia and Global Plaza Premium Lounges. That’s just weak.


EDIT: KT has pointed out that the Altitude AMEX does not have a Priority Pass. I can’t explain why, but it appears from the site that that is indeed the case.

Citibank Prestige clearly has the best lounge policy- unlimited free visits for the cardholder + one guest. That’s almost unheard of as most of the other banks will charge you for guest visits. HSBC Visa Infinite and ANZ Travel Card also offer unlimited visits, but for the cardholder only.

The other thing you should note about your credit card lounge access is whether your bank tracks it by calendar year or membership year.

If your bank says that you get 3 free visits per calendar year, it means you get 3 free visits from 1 Jan -31 Dec each year. But your bank may say you get 3 free visits per membership year. In this case, if your Priority Pass membership starts 1 May, then you have 1 May to 30 April in the subsequent year to use the 3 visits. Don’t get caught out by this!

Are the lounges actually worth it?

The vast majority of Priority Pass lounges will be run by 3rd party contractors like Plaza Premium or the airport authority (although some airlines will also sell access to Priority Pass). Therefore the quality is highly variable.

For example, some of the refurbished Plaza Premium lounges are really nice. Here’s Hong Kong, for example-

photo credit:
photo credit:
photo credit:

Or the Star Alliance lounge in Sao Paulo, also open to Priority Pass cardholders

And on the other extreme you will have some very, very miserable lounges. Lounges so miserable I can’t be bothered to add photos of them (I can think of a couple I’ve visited in China and India though…)

So some will be great (eg. Star Alliance Lounge Sao Paulo) with champagne, showers and will be a great place to spend a few hours, while others will be purely a touch and go experience.

The best precaution against wasting your limited lounge visits on a crappy lounge is to simply ask at the front desk whether you can have a quick look inside before you decide. I’ve never had anyone say no to this before.

Another thing to note are that some lounges may impose time limits in theory, though I’ve never seen these actively enforced (since it’s simply logistically too difficult to track who came in when).


Do you really need lounge access? Some airports are destinations in themselves and it would be a pity to lock yourself away in a corner the whole time and not explore.

But if you’re rushing some work, or if you’re in a dumpy airport, or if you’re empty inside and feel nice sitting in a slightly more exclusive place (guilty) then you should definitely see which of these cards you can make work for yourself.


Related Posts

Leave a Reply

37 Comments on "A primer on credit card lounge access"

Notify of

Priority pass is only for dbs altitude Visa card and not the Amex version.

Love ur site Aaron

Allow me to refer you to the first post on – some non-PP cards (though much more limited) you might want to add for completeness (as well as the AmEx Platinum Card). =D

Nice summary. One more I remember is AMEX Krisflyer Ascend which comes with 4 Plaza Premium lounge vouchers.

How does one benefit from owning multiple cards if each card has a tie up with priority pass? Eg. If i own an Altitude card visa, does it mean that I get another 2 free entry if I also have citibank premiermiles?

UOB JCB card has unlimited lounge access in Asia (eg. Plaza Premium Lounge in HK!). Only thing is you can’t use the lounge in the card issued country (i.e. SG in our case). Still a good one if you frequently travel around Asia I suppose?

OCBC Voyage has an unlimited complimentary visits to PPL till end Sep 16. Details here:

Some relevant info for supplementary card holders: Lounge benefits like Priority Pass usually only goes to Principal cardholders, but HSBC Visa Infinite does extend Priority Pass (unlimited) to supplementary cardholders.

Am not sure about other cards.

This is stretching it a bit, but DBS Treasures gets you and a guest unlimited access to KrisFlyer Gold lounge

If the Gold lounge is a bit common for you (and it is a bit), DBS Treasures Private Client has it’s own lounges at Changi.

Maybank visa infinite also has lounge access but not sure if it’s unlimited or not.

The citi Prestige has PP that has guesting privileges, but the Ultima that costs 10 times as much doesn’t. its a bit ridiculous, but i guess many of you would consider paying that much for a CC absurd anyway.

they probably go on the assumption that if you hold the Ultima, you are flying nothing less than biz class, and the PPL access (or lack of) becomes a non-issue.

Question: What happens if you cancel the credit card linked to the priority pass? Would you still be able to use it?

great work! but i wish to add SCB has two VI now. One new VI and one old Priority Banking VI which if i am not wrong still has unlimited lounge access –

Honestly, I don’t get the attraction of the PP lounges.

The only differences it has over pacing outside with the herds are pre-packed sandwiches, no-other-choice-so-got-to-eat dishes and some drinks. Moreover, PPL access is so ubiquitous that you are often tussling for the last chair and rummaging over dehydrated meat and vegetable scraps.

In all fairness, the same could be said for Krisflyer Gold lounge.

You can also download the app and set up various accounts on it. I have two accounts in the same app and you can switch btw the accounts. Depending on the account, you can also use the digital card on the phone and load it up to your apple wallet.

Just to addon… Prestige also provide Jetquay now which is a major plus on top of the unlimited lounge access!

[…] details of every lounge you have access to, including several at Changi. Milelion has a great primer on all the ways to get lounge access via credit cards in […]

[…] the best thing about the lounge is that it accepts Priority Pass so holders of many credit cards can gain access for free when travelling budget or […]

I was wondering – is there any way to pre-determine in advance which boarding the gate the plane is going to be at in the airport other than knowing it only upon arrival at the airport when your boarding pass is printed?

I understand that gate allocation may usually done last minute, but any sort of advance information (even if it is 1 to 2 hours before arriving at the airport) would be useful to plan as to which is the nearest/best lounge to visit and wait prior to boarding.

Just a note, HSBC Vi SUB card gets unlimited pp as well! its as close to unlimited guest i guess?

Hey Aaron

Would you happen to know if ur plane departs from say terminal 2, how do u visit a lounge in terminal 1? Are they connected?
If not, how does it work? You pass the gate, then exit again later and take the Sky train to terminal 2??

Its easy at Changi, there is a skytrain airside so no need to go through immigration or security.

I have flown Malaysian a few time from T2 but happily trekked over to T1 to visit the rather good Qantas lounge. The lounge dragons always give me a bemused smile. 🙂

Thanks! So if I wanna check out the lounge in t1, do I pass immigration at t1 then take the airside train to t2? Or do I pass immigration in t2 and take the train to t1?

You have to go through immigration in the terminal from which your flight departs and then take the airside train to go to the other terminals. I’ve also done this numerous times.

Thank u for the valuable info guys!

Hi Aaron
I have several PP membership cards. Do you know can only the named member printed on the card use it or can I also use one of my extra card with my name to admit a guest?