Best Airport Lounge Credit Cards in Singapore (2022)

Owning a credit card that gives you airport lounge access changes the way you fly. Imagine sinking into a plush sofa while waiting for the boarding gate to open. You can pick up some magazines and snack on some fresh fruit, all in a quiet and relaxing ambience.

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Best Credit Cards For Airport Lounge Access in Singapore (2022)

With so many credit cards partnering up with airport lounge access programmes, it’ll be great to differentiate which card is linked to which chain of participating lounges across the globe, so that you’ll make sure you get the ideal place to refresh yourself during your journey.

Which Credit Cards Are Best for Airport Lounge Access?

Credit CardsType of complimentary lounge accessMinimum annual income requiredAnnual fee
Maybank Horizon Visa Signature Card1 free visit to Ambassador Transit Lounge in Singapore and Plaza Premium lounges in Singapore, Kuala Lumpur, Hong Kong per month (require a minimum spend of $1,000 in one single receipt)$30,000$180
DBS Altitude Visa Signature Card2 free visits to Priority Pass lounges at over 1,300 airport lounges worldwide per year$30,000$192.60
Citibank PremierMiles Card2 free visits to Priority Pass lounges at over 1,300 airport lounges worldwide per year$30,000$192.60
Amex SIA KrisFlyer Ascend Card4 free visits to SATS Premier lounges in Singapore and Plaza Premium lounges worldwide per year$50,000$337
Standard Chartered X Card2 free visits to Priority Pass lounges at over 1,300 airport lounges per year$80,000$695.50
HSBC Visa Infinite CardUnlimited access to over 1,100 airport lounges worldwide for you and your supplementary cardholders per year$120,000$650
CIMB Visa Infinite Card3 free visits to DragonPass lounges worldwide per year$120,000None (No annual fees for as long as you’re a CIMB Visa Infinite cardholder with them)

DBS Altitude Visa Signature Card

Get S$200 cashback when when you apply online and spend!
Get S$200 cashback when when you apply online and spend!

DBS Altitude Visa Signature Card

Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Staycation bookings
S$1 = 10 Miles
With no minimum spend required, this card by DBS is a great miles cum lounge access card that has a pretty high mile per dollar spend ratio. Besides getting 6 miles for every $1 spent on flight bookings (on Expedia) and 2 miles for every $1 spent overseas in foreign currency, you’ll be entitled to 2 complimentary visits each year to Priority Pass lounges worldwide. What’s more, there’s an annual fee-waiver that you can enjoy.

Citi PremierMiles Card

Get up to S$300 worth of Rewards!
Get up to S$300 worth of Rewards!

Citi PremierMiles Card

Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = 2 Miles
Selected Online Hotel and Flight bookings
S$1 = Up to 10 Miles

Apply and spend S$500 to get an Apple Watch Series 7 (worth $599) OR an Apple iPad Wi-Fi (worth S$499) OR a Nintendo Switch OLED (worth S$549) OR S$350 Cash via PayNow as soon as 6 weeks from Credit Card approvalT&Cs apply.

Valid until 30 Jun 2022
Similarly, this card is really useful if you travel often and spend overseas as it gives you 2 free visits to Priority Pass lounges at over 1,300 airport lounges worldwide per year. Additionally, you’ll be covered with complimentary travel insurance, and will get to enjoy online booking promotions and even miles that do not expire. The miles earn rate for this card is 2 miles for every $1 spent on foreign currency spending and 1.2 miles for every $1 spent locally.

AMEX SIA KrisFlyer Ascend Card

Get up to 33,000 bonus KrisFlyer Miles
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
Grab Rides
S$1 = 3.2 Miles

Apply and spend S$500 to get S$250 Cash via PayNow OR an Apple Watch SE (worth S$419). T&Cs apply.

Valid until 30 Jun 2022
If you’re one who prefers to fly via Singapore Airlines, the American Express Singapore Airlines KrisFlyer Ascend Credit Card may be the card for you as it lets you earn 2 miles for every $1 spent abroad (in June and December) while giving you benefits such as 4 complimentary visits to SATS Premier lounges in Singapore and Plaza Premium lounges worldwide per year, a comprehensive complimentary travel insurance coverage of up to $1 million and more.

Standard Chartered X Card

on Local Spend
S$1 = 1.2 Miles
on Overseas Spend
S$1 = 2 Miles
Promotional Gift
30,000 Miles

The card’s minimum income requirement is $80,000, which means it’s definitely not an entry-level card, but its earn rate is actually similar to Citibank PremierMiles and DBS Altitude at $1 = 2 miles overseas.

With this card, you get 2 Priority Pass airport lounge visits a year. Signing up for a Priority Pass membership is required, but you only need to send an SMS to apply. Check Standard Chartered's website for detailed instructions.

Maybank Horizon Visa Signature Card

on Dining, Petrol, Taxi and Hotel Bookings at Agoda
S$1 = 3.2 Miles
on Air Tickets, Travel Packages and Foreign Currency Spend
S$1 = 2 Miles
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles

One of the most attractive features about the Maybank Horizon Visa Signature card is that you can flash the credit card and get access to various participating lounges in Singapore, Kuala Lumpur and Hong Kong.

There is only 1 complimentary visit, however, and you will have to charge a minimum of $1,000 in a single retail transaction on the card in the past 3 months to get it. You need $50,000 in minimum annual income to apply.

The upside is that Maybank Horizon Visa Signature credit card’s annual fee is waived for 3 years, so it doesn't cost you anything to hold on to it.

HSBC Visa Infinite Card

Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
Welcome Gift
35,000 Miles
This card is one of the few credit cards which entitles you to unlimited access to over 1,100 airport lounges worldwide per year. The great thing about this is you can share your free passes with your supplementary cardholders if you want – so you and your travel buddy can both use the lounge together.

Having this card also helps you earn 2.25 miles for every $1 spent abroad, gets you covered by a complimentary travel insurance of up to US$2,000,000 (annual value worth S$988), and even complimentary green fees and worldwide golfers' insurance of up to $500,000.

CIMB VISA Signature Card

Cash Back on Beauty & Wellness, Online Shopping, Groceries
10%
Min. spend per month
S$800
Cash Back Cap
S$100

Sign up for a CIMB Credit Card and spend up to S$988 to receive a free Ogawa Mobile Shiatsu Lite Portable Back Massager (worth S$128)or an Apple AirPods (3rd Generation) (worth S$269) or up to $200 Cash via PayNow. T&Cs apply.

Valid until 30 Jun 2022

For travellers who have a bigger annual income, and love family cruise vacations, the CIMB VISA Signature card makes a suitable card that gives you 3 free visits to DragonPass lounges worldwide per year and also access to premium travel services for reservations, booking of tickets for entertainment and dining through its dedicated Visa Signature Concierge.

You’ll need to have a minimum annual income of $120,000 to qualify for this card, which is on the rather high side as compared to many other cards like the Maybank Horizon Visa Signature Card, DBS Altitude Card and Citibank PremierMiles Card.

Types of Airport Lounge Access Programmes

There’s a diverse range of credit cards that can get you complimentary airport lounge access and the benefits of each card differs in its terms as well. To give you a quick overview, the more popular ones include Priority Pass, Plaza Premium, and DragonPass. Priority Pass and DragonPass are by far the most prolific chains, with each chain having over 1,300 lounges across the world, while Plaza Premium has more than 1000 lounges globally.

Priority Pass Lounges Credit Cards

Cards like DBS Altitude Card and Citibank PremierMiles Card grant you free membership to the Priority Pass programme and 2 complimentary passes during the 1 year membership period. Priority Pass is actually a huge global lounge programme with over 1,300 lounges in hundreds of cities worldwide and being part of this programme will enable you to enjoy many perks including exclusive sleeping areas, complimentary refreshments, free Wi-Fi spa treatments, and more.

Priority Pass has gone digital since January 2021, so if you’re keen to apply for it, do note that your Priority Pass application and/or renewal have to be done via the Priority Pass app or website, and your Digital Priority Pass membership will also be issued online. For the full list of Priority Pass airport lounges and benefits, you may visit here. The application approval time will take around 2 to 3 weeks to process. So if you’re planning to use this perk for your upcoming trips, be sure to plan for it in advance, or you can consider forking out a one-time entry fee of US$27 if you really wish to try it out without signing up for any credit cards.

Plaza Premium and SATS Premier Lounges Credit Cards

Other cards like the American Express Singapore Airlines KrisFlyer Ascend Credit Card entitles you to access at the SATS Premier Lounge at Changi Airport and Plaza Premium Lounges, which has a smaller network of lounges when compared to Priority Pass. Regardless, you get 4 free visits a year to both types of lounges, and 4 times is definitely more than what Citibank, DBS and Standard Chartered X Card can offer.

DragonPass Lounges Credit Cards

DragonPass is another renowned premium airport service provider of airport lounges, as well as meet and greet and limousine services that compliments your airport lounge access. Its membership comprises three tiers — Classic, Preferential and Prestige, all of which include free visits to any DragonPass lounge, dining discounts with up to 25% off, preferential rates on premium airport transfers, access to global meet and greet services and more.

If you’re earning $120,000 or more per year, getting the CIMB VISA Signature card may be more worthwhile than paying for the DragonPass membership because you don’t have to pay any annual fees for this credit card, plus you get to enjoy 3 free visits to DragonPass lounges worldwide within a year.

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Frequently Asked Questions

Which credit card gets you into airport lounges?

Entry-level cards that give you airport lounge access are: DBS Altitude Card, Citibank PremierMiles Card and Maybank Horizon Visa Signature Card. If your income qualifies for higher thresholds, you can go for Standard Chartered X Card, AMEX KrisFlyer Ascend and HSBC Visa Infinite Card or CIMB Visa Infinite Card.

Can economy class use the lounge?

Yes, even if you are travelling on economy class, you can apply for credit cards that offer complimentary lounge access. Do take note that you need to sign up for the specific lounge memberships to qualify and the process may take 2 to 3 weeks.

How can I get a free Priority Pass?

For Priority Pass lounge access, you can apply for DBS Altitude, Citibank PremierMiles and Standard Chartered X Card. Make sure that the card suits your lifestyle before applying.

Which credit card offers free airport transfer?

If you are frequent traveller, head over to our article on the best credit cards with airport transfers to find out more!

How much does entry to a Priority Pass lounge cost?

You’ll be charged a one-time entry fee of US$27 if you do not have any complimentary Priority Pass membership access. There are 3 tiers to the Priority Pass membership which you can consider and check out at Priority Pass’ website.

Which card gives unlimited airport lounge access?

The HSBC Visa Infinite Card entitles you to unlimited access to over 1,100 airport lounges worldwide for cardholders and supplementary cardholders who qualify for this privilege.

Do I have to hit a minimum credit card spend amount to enjoy free airport lounge access?

Most credit cards do not require you to spend a minimum sum to qualify for the complimentary airport lounge access, but certain cards like the Maybank Horizon Visa Signature Card requires a minimum spend of $1,000 in one single receipt in order to enjoy 1 free visit to Ambassador Transit Lounge in Singapore and Plaza Premium lounges in Singapore, Kuala Lumpur, Hong Kong per month.

Are there waivers for credit card annual fees?

Yes, there are many credit cards that offer free waivers for your annual fees, but you’ll have to call in or email or log into your account with your credit card issuing bank to request for it.