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Credit Card Lounge Benefits

Yes, I know that airport lounge discussions seem like a cruel joke now, what with all the restrictions on travel. What I’d give just to see the inside of the KrisFlyer Gold Lounge again (there, I said it)!

But this too shall pass, so here’s the 2021 update on everything you need to know about airport lounge access through credit cards. 

Which credit cards grant lounge access?

Here’s a summary of which credit cards grant airport lounge access, which network they use and how many free visits you’re entitled to. 

Card Lounge Network Free Visits
(Per Year)
Principal Supp.
Income Requirement S$30K
Maybank Horizon Platinum Selected lounges in SIN, KUL, HKG Spend S$1K in single trxn within 3 months to travel
Diners Club Cards Diners Network 1* N/A
Citi PremierMiles Priority Pass 2* N/A
DBS Altitude Visa Priority Pass 2 N/A
Income Requirement S$50-80K
SCB X Card Priority Pass 2 N/A
AMEX KrisFlyer Ascend Plaza Premium 4 N/A
Income Requirement ≥S$120K
BOC Visa Infinite Plaza Premium 2 N/A
CIMB Visa Infinite Dragon Pass 3 N/A
UOB Visa Infinite Metal Card Dragon Pass 4 N/A
SCB Visa Infinite Priority Pass 6 N/A
UOB Lady’s Solitaire Metal Card LoungeKey 6* N/A
OCBC VOYAGE Plaza Premium
HSBC Visa Infinite LoungeKey
Maybank Visa Infinite Priority Pass N/A
Citi Prestige Priority Pass + 1 guest N/A
AMEX Platinum Charge Priority Pass, AMEX & Centurion Lounges, Delta SkyClubs + 1-2 guests + 1-2 guests
Priority Banking Customers
OCBC PB Visa Infinite Plaza Premium 2 2
SCB Priority Banking VI Priority Pass 24^ N/A
All caps refer to membership year, with the exception of those marked with *, which follow calendar year
^With min. AUM S$200K. If AUM falls under S$200K, then 4 visits

The main differences from the 2020 edition:

  • UOB will be discontinuing the JCB Card from 1 April 2021, and has stopped issuing replacement and renewal cards from November 2020. This means no more access to the JCB lounge program in Singapore
  • The OCBC Premier Banking Visa Infinite has made its debut, with two free visits per year for both principal and supplementary cardholders. Not too shabby, for a card with no annual fee (you get as many free visits as you have supplementary cardholders)
  • Diners Club cards now track lounge entitlements by calendar year, instead of their confusing 1 Apr to 31 March system
  • There’s no word as to whether ICBC has extended their impressive DragonPass offer, which gave cardholders six free visits per calendar year. This lapsed on 31 December 2020.

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

(1) Not all lounge networks are made equal

The main lounge networks used by credit cards in Singapore are Dragon Pass, LoungeKey, Plaza Premium, and Priority Pass.

Network Size Other perks
970 lounges
  • Lounge access at 60 railway stations in China
  • Discounts/free set meals at selected airport restaurants
1,150 lounges  
70 lounges  
1,300 lounges
  • F&B dining credit at selected airport restaurants
  • Sleep pods and nap rooms at selected airports

The main difference between networks is their size. 

Priority Pass is by far the most common (and the largest) lounge network. With ~1,300 lounges worldwide, you’re almost certain to find a Priority Pass affiliated facility wherever you’re heading.

Priority Pass has also started to offer more non-lounge experiences, especially in airports where they’ve been unable to negotiate lounge access. These can include F&B credit (usually US$28 in the US and AUD$36 in Australia), or even more exotic things like access to sleep pods in Dubai or nap rooms in selected US airports.

Bar Roma at SYD, which offers Priority Pass holders a dining credit

Do note that Priority Pass memberships issued by American Express no longer cover non-lounge experiences, so you’ll be billed separately if you use your Priority Pass for these.

Dragon Pass is a China-based 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 lounge access at railway stations in China, and dining discounts at certain airport restaurants. In Singapore, you can get a free set meal at The Kitchen by Wolfgang Puck in Terminal 3, for example. 

The Kitchen by Wolfgang Puck at Changi T3

Lounge Key (~1,150 lounges) replaced Priority Pass on the HSBC Visa Infinite a couple of years ago, and also partners with Mastercard to provide lounge access during flight delays. Although it’s not as well known in Singapore as Priority Pass or Dragon Pass, its network is still very extensive.

Plaza Premium is a much smaller network (~70 lounges), although its lounges tend to be  higher quality than your average contract lounge. For what it’s worth, almost every Plaza Premium lounge can be accessed by Priority Pass, Dragon Pass or Lounge Key

Plaza Premium has also started a special chain of Plaza Premium First lounges, which offer an experience that could rival that of some airline lounges. Even if you hold a card with free Plaza Premium lounge access, however, you’ll still have to pay an upcharge to access these lounges.

Dining at the Plaza Premium First lounge, HKG

(2) Lounge entitlements stack among cards

2 free visits on the DBS Altitude Visa (LHS) stack with the 2 free visits on the Citi PremierMiles Card (RHS)

Depending on the cards you hold, it’s perfectly possible you might end up with multiple Priority Pass memberships. If so, remember that your allowances are tied to each card, so they stack.

In other words, if I get 2 free visits from the DBS Altitude Visa and 2 free visits from the Citi PremierMiles Card, I have 4 free visits in total.

(3) If you want unlimited visits, be prepared to pay an annual fee

Cards which offer annual fee waivers (e.g DBS Altitude Visa) also offer limited lounge visits. If you want a card with unlimited lounge access, you need to look at those in the $120K segment, where annual fees are mandatory.

The exception is the Maybank Visa Infinite, which comes with an unlimited visit Priority Pass and waives the first year’s S$600 annual fee. Subsequently, you can enjoy a fee waiver when you spend at least S$60,000 in a membership year.

(4) Most visit entitlements are per membership year, however some are by calendar year

Free visit entitlements may refresh based on the membership year (i.e. the date when you got your lounge membership), or calendar year (1 Jan-31 Dec). Be sure to check the wording, because the last thing you want to do is get charged unwittingly.

Most entitlements follow the membership year, but the Citi PremierMiles, UOB Lady’s Solitaire Metal Card, and Diners Club cards follow the calendar year.

(5) Guests (usually) cost you, and supplementary cardholders (usually) don’t get free visits

Some high-end cards like the Citi Prestige or AMEX Platinum Charge allow you to bring a guest at no extra charge. On most other cards, you’ll either have to pay out of pocket (~US$32) or use one of your free visit entitlements. For example bringing three guests with you on your UOB Visa Infinite Metal’s Dragon Pass would exhaust your four-visit allowance.

The policy on children is more nebulous and varies by lounge. Some will turn a blind eye, others will insist on charging you. In general, infants under the age of 2 will be admitted for free.

Supplementary cardholders are generally not entitled to any free lounge visits. The exception is the HSBC Visa Infinite, where up to five supplementary cardholder also gets an unlimited visit LoungeKey, and the AMEX Platinum Charge, where all supplementary cardholders enjoy the same visit and guest entitlements as the principal cardholder (only the first supplementary cardholder gets an unlimited visit Priority Pass however).

Conclusion

The quality of airport lounges can be extremely variable, and within each lounge network you’ll find some amazing ones, some mediocre ones and some abject ones. 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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