Why Trust MoneySmart?Many Singapore-issued credit cards come with airport lounge access—ideal for making your travels more comfortable. Lounge access is typically provided through global networks like Priority Pass, DragonPass, or the Amex Global Lounge Collection.
Depending on the card tier, you could get a few complimentary visits per year or unlimited access with guest privileges. Here’s the MoneySmart rundown of the top cards offering lounge perks in Singapore.
Cards with unlimited lounge access
These are premium credit cards, usually with higher annual fees and income requirements, but they’re best for frequent flyers who want regular lounge visits and guest entry.
American Express The Platinum Card
Annual Fee: $1,744 (no waiver)
Access: Unlimited to Amex Global Lounge Collection (inc. Centurion Network, Priority Pass, Plaza Premium, Delta Sky Clubs)
Most lounges allow free entry for 1 guest alongside the cardholder, but some require you to meet a spending threshold for this perk
UOB Visa Infinite Metal Card
Annual Fee: $654 (no waiver)
Access: Unlimited to DragonPass lounges worldwide for cardholder + guest
Income: Min. $120,000/year
Citi Prestige Card
Annual Fee: $535
Access: Unlimited complimentary access to hundreds of Priority Pass airport lounges
Income: Min. $120,000/year
OCBC VOYAGE Card
Annual Fee: $498 (no waiver)
Access: Unlimited complimentary access to over 1,400 DragonPass lounges worldwide; 2 entries per year for supplementary card holders
Income: $120,000/year
HSBC Visa Infinite Credit Card
Annual Fee: $662.15
Access: Complimentary access to over 1,100 VIP airport lounges; supplementary cardholders included
Income: $120,000/year
Cards with limited annual lounge access
These cards offer a set number of complimentary airport lounge visits yearly with a more accessible annual fee.
DBS Vantage Visa Infinite Card
Annual Fee: $599.50 (waived with $60,000 annual spend)
Access:
Complimentary Priority Pass digital membership with access to over 1,500 airport lounges and travel experiences worldwide
10 free visits within each 12-month period of your membership
Income: $120,000
UOB PRVI Miles Card
Annual Fee: $261.60 (first year waived)
Access: 4 complimentary Priority Pass visits per year
Income:
$30,000 (Singaporean/PR)
$40,000 (Non-Singaporean)
HSBC TravelOne Card
Annual Fee: $196.20 (Waived second year onward if cardholder meets $25,000 annual spend requirement)
Access: 4 complimentary DragonPass lounge visits per year
Income:
$65,000 (Singaporean/PR/Non-Singaporean)
$30,000 (salaried Singaporean/PR with HSBC TRB* of at least SGD50,000)
$40,000 (for self-employed or commission-based Singaporean/PR with HSBC TRB* of at least SGD50,000)
*Total Relationship Balance (TRB) refers to the total value of your deposits, investments, and insurance with HSBC Bank (Singapore) Limited, calculated based on the average monthly balance over the last 3 months.
DBS Altitude Visa Signature Card
Annual fee: $196.20/year (first year waived)
Access: Complimentary Digital Priority Pass membership which includes 2 free Priority Pass visits per year
Income:
$30,000 (Singaporean/PR)
$45,000 (Non-Singaporean)
Citi PremierMiles Card
Annual fee: $196.20/year (first year waived)
Access: 2 complimentary visits to over 1,300 airport lounges worldwide every year
Income:
$30,000 (Singaporean/PR)
$42,000 (Non-Singaporean)
CIMB Visa Infinite Card
Annual fee: $0 (Fee waiver available)
Access:
Complimentary access to over 1,000 airport lounges via CIMB Airport Companion Programme
Principal cardholders receive 3 complimentary DragonPass visit per year, which reset annually and do not carry over
Income: $120,000/year
KrisFlyer UOB Credit Card
Annual fee: $196.20/year (first year waived)
Access: Lounge entries as part of SIA and KrisFlyer partner campaigns
Income:
$30,000 (Singaporean/PR)
$40,000 (Non-Singaporean)
What to consider before applying
Lounge network coverage:
Confirm the lounge network (e.g., Priority Pass, DragonPass, Amex Global Lounge Collection) includes the airports and lounges you actually travel from/to
These could include SATS Premier Lounge or Changi Lounge at Changi Airport
Annual fees and income requirements:
Unlimited-access cards have higher fees and income thresholds
Limited-access cards are more accessible to most users
Number of complimentary visits:
Match the number of lounge visits to your travel frequency—occasional travellers may not need unlimited access
Guest policy:
If you usually travel with a companion, check if your card lets you bring guests for free
Some cards allow for this if you meet a minimum spend requirement
Activation & enrollment:
Some cards require advance activation of membership (e.g., registering for Priority Pass or DragonPass before use)
Always bring your credit card or digital membership card to gain entry
Related links
Product features, fees, and lounge access information are accurate at time of uploading. Always confirm the latest lounge networks, fee waivers, and promotions with MoneySmart or your issuer before applying.
