Credit Card Lounge Benefits

Airport lounges, once the sole domain of the jet set and well-heeled, have been increasingly democratized in recent years. Thanks to credit card partnerships, anyone with an entry-level card can now enjoy the relative solitude and privacy of a lounge.

Card (Income Req)Lounge NetworkFree Visits
Maybank Horizon Platinum ($30K)Selected lounges in SIN, KUL and HKG1 visit with min S$1K retail spend in 3 month period prior
Diners Club Cards ($30K)Diners Club Lounges1 free visit between 1 Apr and 31 Mar of each yr
Citibank PremierMiles Visa ($30K)Priority Pass2 per calendar yr
Citibank PremierMiles AMEX ($80K)Priority Pass2 per calendar yr
UOB JCB ($30K)JCB-partnered lounges2 per calendar yr in HK, SG, Korea, China and Thailand, unlimited in Hawaii and Japan
DBS Altitude Visa ($30K)Priority Pass2 per membership yr
BOC Visa Infinite ($120K)Plaza Premium2 per membership yr
SCB X CardPriority Pass2 per membership year
CIMB Visa Infinite ($120K)Dragon Pass3 per membership yr
SCB Priority Banking VI ($30K, Min AUM $200K)Priority Pass4 (if AUM <$200K), 24 (if AUM >$200K) per membership yr. Unlimited for Priority Private + Private Banking with 1 guest
AMEX KrisFlyer Ascend ($50K)Selected Plaza Premium and contract lounges4 per membership yr
UOB Visa Infinite Metal Card ($150K)Dragon Pass4 per membership yr
SCB Visa Infinite ($150K)Priority Pass6 per membership yr
Citi Prestige ($120K)Priority PassUnlimited (+1 guest)
ICBC Global Travel MastercardDragon Pass6 until 31 Dec 2019
OCBC Voyage ($120K)Plaza PremiumUnlimited (supp cardholder gets same benefit)
HSBC Visa Infinite ($120K)Priority PassUnlimited (supp cardholder gets same benefit)
Maybank Visa Infinite ($150K)Priority PassUnlimited
AMEX Platinum Charge ($200K)Priority Pass, AMEX lounges, Centurion lounges, Delta SkyClubsUnlimited (+1 guest, supp cardholder gets same benefit)

*Note: Priority Pass recently increased the cost of additional visits from US$27 to US$32. However, most bank websites have not reflected this change. This could either be an oversight, or these banks may still have access to the old rate for an unspecified period of time. Always check with your bank when in doubt

Here’s a few things to consider when selecting a credit card for lounge access

(1) What lounge network does the card give access to?

Priority Pass is by far the most common (and the largest) lounge access network across credit card providers. With ~1,200 lounges worldwide, you’re almost certain to find a PP-affiliated facility wherever you’re heading. Moreover, Priority Pass has started to partner with restaurants in airports where they’re lounge-shy to give passengers additional options. You get a dining credit to offset your meal, which ranges from US$28-30 in the US to AUD$36 in Australia.

Bar Roma, which offers Priority Pass holders a dining credit

Dragon Pass is another lounge network that’s becoming increasingly common among Singapore card-issuers. Dragon Pass’ network is slightly smaller than Priority Pass (~970 lounges), but they also offer dining discounts and lounge access at railway stations in China.

Other smaller networks include Plaza Premium (~70 lounges), which has fewer locations but tend to be higher in quality than your average contract lounge. Plaza Premium has also started a special chain of First lounges, which offer an experience that would rival an airline’s own First Class facility.

Dining at the Plaza Premium First lounge, HKG

(2) How many times can I visit, and is my entitlement per membership year or calendar year?

Unless you’re signing up for a top-tier Visa Infinite card (min income ~$120K), the best you can do is a card with 2-4 complimentary visits a year. There’s nothing stopping you from signing up for multiple Priority Passes via different credit cards though, and your visits do stack.

The best way to manage multiple Priority Passes is actually pretty low tech. Just stick a piece of paper on the card with the number of free visits left, and cross them out as you go along. Trust me, it’s better than forgetting and being hit with an additional visit fee.

Another important distinction that a lot of people forget: check if your free lounge visit entitlement is renewed each membership year (i.e. the anniversary of which your Priority Pass was issued) or each calendar year. The majority of Priority Pass memberships track by membership year, however the ones issued by Citibank PremierMiles base free visits on calendar year.

(3) Can I bring a friend?

HSBC Visa Infinite

Unless you have a high-end card like the OCBC VOYAGE or Citi Prestige which allow for a free guest, you’re going to have to share your free lounge visit entitlement with your guest. For example, bringing a guest with you on your Citi PremierMiles Visa issued Priority Pass would exhaust your visits.

Also note that supplementary cardholders are generally not accorded any free lounge visits, with the exception of the HSBC Visa Infinite and the AMEX Platinum Charge.


Not all lounges are made equal- within the Priority Pass network you’re going to find some amazing lounges, you’re going to find some mediocre lounges, and you’re going to find some abject lounges. 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.

Some lounges impose time limits on visits, but I’ve never seen this actively enforced because it’s difficult to track who came in when. If they want to enforce this, they’re more likely to impose a limit on how early you can enter (e.g. if your flight departs at 9 p.m and the restriction is 3 hours per visit, they won’t let you in before 6 p.m)

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