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130624 Best Airport Lounge Credit Cards in Singapore (2024)

Best Credit Cards for Complimentary Airport Lounge Access

profileJustin Oh

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As a teenager, I used to think that airport lounges with their chio (Hokkien: pretty) interiors, luxurious lounge chairs, and free-flow food were only reserved for the wealthy…

But boy, was I wrong!

Thanks to my dad, who was a savvy credit card user, I had the chance to enter one of these lounges, which made me feel like I was the one ballin (Slang: leading a ridiculously wealthy lifestyle).

The one I visited had a buffet breakfast, many magazines to read, free WiFi and even shower facilities.

Source: Giphy

So long as you had the right credit cards, commoners like you and I could get access to these airport lounges for the perfect travel pitstop to relax and recharge.

Intrigued?

Here are the best credit cards for complimentary access to airport lounges!


TL;DR: Best Credit Cards for Free Airport Lounge Access

Credit CardAirport LoungesComplimentary Lounge AccessAnnual Income RequirementRedemption
Citi PremierMiles Card

Apply Now
Priority Pass2 per year
(Either 2 separate member visits, or 1 concurrent member & guest visit)
$30,000Apply for a complimentary Digital Priority Pass™ membership
DBS Altitude Visa Signature Card

Apply Now
Priority Pass2 per year
(Either 2 separate member visits, or 1 concurrent member & guest visit)
$30,000Apply for a complimentary Digital Priority Pass™ membership
Diners Club CardsDiners Network1 per year$30,000Present your card, boarding pass and passport for complimentary access
HSBC TravelOne Card

Apply Now
Dragon Pass4 per calendar year (i.e. eight in first membership year)
FYI: Lounge visits cannot be shared with a guest
$30,000Apply for a complimentary Dragon Pass membership
Maybank Horizon Visa Signature Card

Apply Now
Ambassador Transit Lounge (SG), Plaza Premium Lounge (SG, KL, HK) 1 per month$30,000Charge S$1,000 in a single retail transaction within 3 months prior to the travel date regardless of the number of transactions with the
minimum amount charged within 3 months prior to the date of lounge access)
Standard Chartered Journey Credit Card

Apply Now
Priority Pass2 per year
(Either 2 separate member visits, or 1 concurrent member & guest visit)
$30,000Apply for a complimentary Digital Priority Pass™ membership
AMEX Singapore Airlines KrisFlyer Ascend Credit Card

Apply Now
SATS Premier Lounge (Singapore) / Plaza Premium4 per year
(Voucher entitles complimentary access for one member or guest only)
$50,000Complimentary access passes given upon approval of their Card application with annual membership fee, and subsequently upon the fully paid renewal of Card Membership in each subsequent Membership year
Citi Prestige Card

Apply Now
Priority PassUnlimited + 1 guest per visit
(Each Cardmember may bring in one accompanying guest. Thereafter, subsequent guests will be charged US$35 per person per visit (or at the prevailing rate) by Priority Pass to the Citi Prestige Card account)
$120,000Apply for a complimentary Digital Priority Pass™ membership
CIMB Visa Infinite Credit Card

Apply Now
Dragon Pass3 per year$120,000Apply for a complimentary Dragon Pass membership
HSBC Visa Infinite Credit Card

LoungeKeyUnlimited$120,000Present your card, boarding pass and quote 'LoungeKey' for complimentary access
OCBC Voyage CardPlaza PremiumUnlimited access to over 130 Plaza Premium VIP airport lounges globally$120,000Complimentary access granted upon card approval and renewal of Card membership fee
Standard Chartered Visa Infinite Credit Card
Priority Pass6 per year$150,000Apply for a complimentary Digital Priority Pass™ membership

Contrary to popular belief, you don’t have to be a high-income earner to enjoy complimentary airport lounge access!

The DBS Altitude Visa Signature, Citi PremierMiles, Diners Club, and Maybank Horizon Visa Signature credit cards only require a minimum annual income of $30,000.

That said, remember that annual fees are involved if you want to enjoy these privileges and avoid credit card debt!


Lounge Passes and Memberships

When it comes to lounge passes and memberships, here are the major players:

  • Priority Pass – 1,500+ lounges
  • LoungeKey – 1,500+ lounges
  • Dragon Pass – 1,300+ lounges
  • Diners Club – 1,300+ lounges.

Suppose your card has a complimentary membership with any of these lounge passes. In that case, you’ll most likely have access to various lounges currently open at Changi Airport’s Terminal 1, 2, 3, 4 and Jewel.

Changi Airport Lounge Access

Lounge PassChangi Airport TerminalChangi Airport Lounge
Priority PassT1Marhaba Lounge
Plaza Premium Lounge
SATS Premier Lounge
T2Ambassador Transit Lounge
SATS Premier Lounge
T3Ambassador Transit Lounge
SATS Premier Lounge
Marhaba Lounge
SATS Premier Lounge
T4Blossom Lounge
Jewel Changi Lounge
Mastercard Lounge KeyT1Marhaba Lounge
Plaza Premium Lounge
SATS Premier Lounge
T2Ambassador Transit Lounge
SATS Premier Lounge
T3Ambassador Transit Lounge
Marhaba Lounge
SATS Premier Lounge
T4Blossom Lounge
Jewel Changi Lounge
Dragon PassT1Marhaba Lounge
Plaza Premium Lounge
SATS Premier Lounge
T2Ambassador Transit Lounge
SATS Premier Lounge
T3Ambassador Transit Lounge
SATS Premier Lounge
Marhaba Lounge
SATS Premier Lounge
T4Blossom Lounge
Jewel Changi Lounge
Diners ClubT1Marhaba Lounge
Plaza Premium Lounge
T2Ambassador Transit Lounge
SATS Premier Lounge
T3Ambassador Transit Lounge
SATS Premier Lounge
T4Blossom Lounge
Jewel Changi Lounge

Annual Fees

As with most credit cards, you’ll have to pay an annual fee in order to enjoy the complimentary lounge access.

However, some cards, like the DBS Altitude VISA card, offer an annual fee waiver for the first year. However, you’ll have to pay subsequent annual fees to retain the same privileges tied to your card.


Conclusion

When picking a travel credit card, you don’t have to base your decision on which lounge pass the card offers, as the differences are negligible.

Instead, look for a card that best suits your lifestyle and maximises your spending.

For those already having one of the above cards, ensure you don’t miss out on your airport lounge benefits!

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About Justin Oh
Your average Zillennial who is obsessed with anime, games, movies and of course, personal finance. Join me as I break down personal finance into easily digestible and fun bits!
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