Credit Cards

The Best Credit Cards in Singapore for Free Airport Lounge Access (2018)

airport lounge credit card singapore 2018

Eugenia Liew



Imagine this: you’re about to take a 17 hour flight across the world, and you’re too cheap to splurge on anything more than an economy class seat. Not to fret, there’s still a way to experience a life of luxury before the flight – airport lounges. Almost every bank in Singapore offers at least one credit card with airport lounge access perks, so you can kick back, relax and rest up for your epic holiday. Think cushy seats, free food, free booze, fast Wi-Fi and even shower facilities.


Can I just flash my credit card to get lounge access?

No. Please don’t make the mistake of whipping out your credit card – you’ll just get laughed out of the lounge.

So how does it work? Credit cards partner with airport lounge access programmes, each of which has its own chain of participating lounges across the globe. The most popular ones are Priority Pass, Plaza Premium, and Dragon Pass. Priority Pass is by far the most prolific chain, with over 1,000 lounges worldwide. Dragon Pass has 900+ lounges, while Plaza Premium has about 80.

In order to get in, you usually have to sign up for membership after you get the card (though some banks will apply for you). Membership is usually on an annual basis. Note that it might take a few weeks to process your membership so don’t register the night before you fly off!


Best credit cards for Singaporeans to get airport lounge access

Here are the best credit cards in Singapore that can get you free airport lounge access around the world. However, it’s a diverse bunch and each card is slightly different in its terms and benefits which I’ll talk about later.

Credit card Annual airport lounge benefits Eligibility
UOB JCB Card Unlimited access to 53 airport lounges in Japan, China, Hawaii

2 free visits to lounges in Singapore, HK, Korea, Thailand

Free lounge access only applicable to yourself (no guests)

Annual fee $62.20 (first year waived)

Min. income $30,000

Lounge access promotion expires 31 Dec 2018

DBS Altitude Visa Signature Card 2 free visits to Priority Pass lounges

Free lounge access can be used on accompanying guest

Annual fee $192.10 (first year waived)

Min. income $30,000

Citibank PremierMiles Visa Card 2 free visits to Priority Pass lounges

Free lounge access can be used on accompanying guest

Annual fee $192.60

Min. income $50,000

American Express KrisFlyer Ascend Credit Card 4 free visits to SATS Premier lounges in Singapore + Plaza Premium lounges worldwide

Free lounge access only applicable to yourself (no guests)

Annual fee $337.05 (must pay to get lounge access)

Min. income $50,000

ICBC UnionPay Dual Currency Platinum Credit Card

ICBC Global Travel MasterCard Credit Card

Access to participating ICBC airport lounges in Mainland China Annual fee waived for 3 years

Min. income $30,000

Maybank Horizon Visa Signature Card 1 free visit to Ambassador Transit Lounge in Singapore + Plaza Premium lounges in Singapore, KL, HK

Free lounge access only applicable to yourself (no guests)

Annual fee $180 (waived for 3 years)

Min. income $50,000

Must charge min. $400 in a single travel transaction

UOB PRVI Miles Mastercard 2 free uses of JetQuay’s Quayside service in Singapore for yourself + 1 guest

Limited to 100 redemptions a month

Annual fee $256.80 (first year waived)

Min. income $30,000

JetQuay promo ends 31 Oct 2018



With Japan as one of Singapore’s top travel destinations of all time, we’re kick-starting this list with the UOB JCB Card, which is especially useful for those who love visiting the country.

Cardholders are entitled to UNLIMITED free entry into airport lounges in 28 Japanese airports including Narita International Airport, Haneda Airport and Kansai International Airport. Airport lounge access is also free and unlimited in China and Hawaii. But it’s limited to 2 free visits for lounges in Hong Kong, Kuala Lumpur, Thailand and Singapore.

As JCB is widely accepted in Japan, it’s a useful all-round travel card to use if you like to travel there. You can also get free Wi-Fi when you travel and discounts on Japan travel passes and attractions. Plus in Singapore, there’s up to 6% cashback on Japanese merchants like Ichiban Boshi, Tokyu Hands, Uniqlo and Isetan.

For an entry-level credit card with such a low annual fee – and there’s even a first-year fee waiver – the UOB JCB Card airport lounge perks are really generous. Just be aware that it only covers a handful of countries.

Click through to apply for the UOB JCB Card.


DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

DBS Altitude Visa Signature Card

Card Benefits

    • S$1 = 1.2 miles (Local spend)
    • S$1 = 2 miles (Overseas spend)
    • S$1 = 3 miles (Online flight & Hotel transactions)
    • 6 miles/S$1 spend at Expedia; 10 miles/S$1 spend at Kaligo
    • Get 10,000 Bonus Miles when you renew your annual membership
    • Enjoy 2 Complimentary Global Airport Lounge Access visits and get up to S$1 million travel accident insurance coverage for you and your family members

    Since the UOB JCB Card doesn’t cover too many countries, you can supplement it with the DBS Altitude which is also an entry-level credit card with a first-year fee waiver.

    The DBS Altitude card gets you free membership (worth US$99) to the Priority Pass programme. You get 2 complimentary passes for use during the 12-month membership period. Do note that you will need to apply for the Priority Pass membership online, and it will take around 2 to 3 weeks to process. So if you’re planning to use this perk, make sure you plan for it early.

    Priority Pass is a huge global lounge programme with 1,000 lounges in hundreds of cities worldwide. The great thing about this is you can share your free passes with an accompanying guest if you want – so you and your travel buddy can both use the lounge together. Subsequent visits cost US$27 per entry.

    Should you choose to keep this card after the first year, there’s an annual fee of $192.10. If you pay the fee you can get a bonus of 10,000 miles.


    Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card

    Card Benefits

      • S$1 = 1.2 Citi Miles (Local spend)
      • S$1 = 2 Citi Miles (Overseas spend)
      • Earn up to 7 Citi Miles per S$1 spent on and 3 Citi Miles per S$1 spent on
      • Citi Miles never expire
      • Priority Pass™ membership gives you access to more than 600 airport lounges twice a year
      • Receive 10,000 Citi Miles upon membership renewal and payment of annual fee
      • Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage

      Like the DBS Altitude Visa Signature Card, the Citi PremierMiles card also gets you a free Priority Pass membership along with 2 free passes. The same Priority Pass usage rules apply.

      However, there’s a higher minimum income requirement of $50,000, making this out of reach for most fresh grads. Also, the annual fee is not automatically waived but you can certainly try your luck with Citibank.

      Lounge benefits aside, the Citibank PremierMiles card USED to be very popular with travellers for its super generous welcome bonus. Sadly, Citi is no longer running this promotion so you will have to contend yourself with somewhat average miles earn rates and a few other travel perks.


      Amex KrisFlyer Ascend Card

      American Express Singapore Airlines KrisFlyer Ascend Credit Card

      American Express Singapore Airlines KrisFlyer Ascend Credit Card

      Card Benefits

        • Apply through MoneySmart from 22 Mar - 19 Apr 2018 to get S$100 worth of Grab OR NTUC Vouchers. Application must be approved by 3 May 2018. Submit your (i)Contact Details and (ii)14-digit Reference Number on the Thank You Page upon completion at this link before 19 April 2018. T&Cs
        • 1.2 KrisFlyer Miles = S$1
        • 2 KrisFlyer Miles = S$1 in foreign currency spent overseas on eligible purchases in June & Dec
        • 3.2 KrisFlyer Miles = S$1 for Grab and Uber rides, capped at S$200 per month
        • Spend above S$15,000 on eligible purchases on within first 12 months of Card approval and get upgraded to KrisFlyer Elite Gold Membership
        • Four complimentary lounge access to participating SATS Premier and Plaza Premium Lounge each year
        • Complimentary night's stay each year at one of over 90 participating Millennium Hotels and Resorts properties worldwide
        • Up to $1 million travel insurance coverage

        Another option for the $50,000 income bracket is Amex’s flagship air miles credit card.

        However, it isn’t on the Priority Pass programme. Instead, Amex partners the very cushy SATS Premier Lounge at Changi Airport. Outside of Singapore, you also get access to Plaza Premium Lounges (smaller network than Priority Pass, found in fewer countries including China, India, Canada, Hong Kong and Malaysia).

        You do get 4 free passes each year which is twice that of Citibank of DBS. However, note that you can only get the passes IF you pay the hefty annual fee of $337.05 on this credit card. Another downside is that you can’t use them on your travel companion. Considering the limited number of lounges, it seems like an unbalanced trade-off.

        While Amex KrisFlyer Ascend’s travel perks and mile accrual rates don’t top the list (there can only be one #1, right?) it does nonetheless offer an impressive welcome bonus if you’re planning to spend $5,000 (26,000 miles) or $10,000 (38,000 miles) in the next 3 months.


        ICBC UnionPay Dual Currency Platinum Credit Card / ICBC Global Travel MasterCard Credit Card

        Those who frequently fly to Mainland China might already have one of these credit cards from ICBC.

        But in case you don’t, consider getting either of these cards to get free access to participating ICBC airport lounges in Mainland China. Both are entry-level cards with a minimum income of $30,000 and the annual fee is waived for 3 years. The list of participating lounges and T&Cs is in Chinese, though.



        Maybank Horizon Visa Signature Card

        Maybank Horizon Visa Signature Card

        Maybank Horizon Visa Signature Card

        Card Benefits

          • Earn 3.2 air miles (8X TREATS Points) for every S$1 spent on dining, petrol, taxi fares and hotel bookings at
          • Earn 2 air miles (5X TREATS Points) for every S$1 spent on air tickets, travel packages and foreign currency transactions
          • Minimum spend: S$300/month
          • Capped at 30,000 Bonus TREATS Points per month
          • Earn 0.4 air miles (1X TREAT Point) with no minimum spend amount
          • Complimentary lounge access with minimum spend of S$400
          • Complimentary Travel Insurance up to S$1,000,000

          If you’ve exhausted all the other options, you can turn to Maybank’s air miles credit card. Unlike most of the other cards on this list, you CAN simply flash your credit card to get into the lounge (there are only a few participating lounges though, in Singapore, KL and Hong Kong).

          The drawback is that it’s capped at 1 free visit, AND you have to charge a minimum of $400 in a single travel (flights or travel package) transaction on the card in the past 3 months.

          On the other hand, having this card is practically free as the annual fee is waived for 3 years(!).


          UOB PRVI Miles Mastercard

          UOB PRVI Miles Card

          UOB PRVI Miles Card

          Card Benefits

            • S$1 = 1.4 miles (Local spend); S$1 = 2.4 miles (Overseas spend)
            • S$1 = 6 miles for spends on major airlines and hotels booked through Expedia, UOB Travel, and Agoda
            • No minimum spend and no cap on earned miles
            • 20,000 loyalty miles every year with min. spend of S$50,000 in a year; Up to 8 complimentary airport transfers to Changi Airport in a year (Exclusively for UOB PRVI Miles American Express Card)
            • Complimentary travel insurance coverage of up to S$1,000,000. T&Cs apply.

            Although airport lounge access is of the most practical benefit when you’re stuck in transit overseas, if you’re in it for the VIP feels then you might want to consider the UOB PRVI Miles Mastercard. Instead of standard lounge access programmes, UOB works with JetQuay, a company that runs the standalone premium VIP terminal at Changi Airport.

            You can redeem their Quayside service (for yourself + 1 guest, a maximum of 2 times in total) either on the way to or when heading back from Changi Airport. What to expect: An immaculately groomed creature will descend from the heavens to escort you and your companion to JetQuay’s CIP terminal, and proceed to take care of plebeian matters like check-in and immigration while you and your buddy relax and make use of VIP lounge facilities. Pretty sweet, right?

            Note that the free service is limited to the first 100 redemptions a month. But if you like this sort of thing, why not give it a shot while the promotion lasts – after all, the UOB PRVI Miles card has a first year annual fee waiver.


            But if you’re earning $120,000 a year and above…

            … then it’s a whole different story.

            Banks are just dying for you to use their credit cards, so there’s a whole bunch of premium air miles cards you can pick from. The caveat is that you should be prepared for a hefty annual fee, unless you’re one of their top spenders and the bank is willing to waive the fee for you.

            Credit card Annual airport lounge benefits Eligibility
            Citibank Prestige Card Unlimited access to Priority Pass lounges for cardholder + 1 guest Min. income $120,000

            Annual fee $535

            HSBC Visa infinite Unlimited access to Priority Pass lounges Min. income $120,000

            Annual fee $488 (HSBC Premier customers) or $650

            OCBC Voyage Card Unlimited access to Plaza Premium lounges

            Includes 15-minute massage at selected lounges in HK, KL, Maldives

            Min. income $120,000

            Annual fee from $488 (comes with with 15,000 miles)

            Standard Chartered Visa Infinite 6 free visits to Priority Pass lounges Min. income $150,000

            Annual fee $588.50

            CIMB Visa Infinite Card 3 free visits to Dragon Pass lounges Min. income $120,000

            No annual fee

            Bank of China Visa Infinite Card 2 free visits to Plaza Premium lounges Min. income $120,000

            Annual fee $350


            Citibank Prestige Card

            Of the premium air miles cards, the Citi Prestige wins for best airport lounge benefits. It gets you a complimentary Priority Pass membership, but unlike DBS Altitude and Citi PremierMiles, this one is the Prestige Membership worth US$399.

            That means you get UNLIMITED Priority Pass lounge access – not just the cardholder, but for an accompanying guest as well. The annual fee is $535.


            HSBC Visa Infinite

            HSBC Visa Infinite Credit Card

            HSBC Visa Infinite Credit Card

            Card Benefits

              • $1 = Up to 1.25 air miles (Local)
              • $1 = Up to 2.25 air miles (Overseas)
              • Priority Pass™ Membership card will be automatically issued to the primary Cardholder and the supplementary Cardholder(s) - Unlimited access to over 700 VIP airport lounges worldwide
              • Access to HSBC’s Infinite Travel & Lifestyle Concierge service for personalised assistance, 24/7
              • Automatic travel insurance coverage of up to US$2,000,000 (annual value worth S$988)
              • Complimentary limousine transfer and expedited immigration clearance at key airports in Asia

              Coming in a close second to Citi Prestige is the HSBC Visa Infinite, which offers a similar perk. All your supplementary cardholders get Priority Pass Prestige Membership too.

              If you don’t earn the $120,000 annually, you can opt to maintain a fixed deposit of $30,000 until account closure. The annual fee is $650 (or $488 for HSBC Premier customers).


              OCBC Voyage Card

              Coming in a distant third is the OCBC Voyage card which also has unlimited lounge access, but it’s only to the much smaller Plaza Premium Lounge network. At selected lounges in Hong Kong, Kuala Lumpur and Maldives, you can also enjoy free 15-minute massages at the Wellness Spas.

              The annual fee begins at $488, but the good thing is that it comes with 15,000 air miles when you pay.


              StanChart Visa Infinite

              The StanChart Visa Infinite Card offers only 6 complimentary Priority Pass lounge visits per year, but it charges a $588.50 annual fee and requires a whopping $150,000 minimum annual income.

              However, if you’re already a priority or private banking customer, the requirement is lowered to $30,000.


              CIMB Visa Infinite Card

              The CIMB Visa Infinite card entitles cardholders to 3 free visits to any of the 900+ airport lounges in the Dragon Pass programme, significantly poorer than most of the cards aimed at the premium tier

              It’s one redeeming feature is that there is no annual fee, so that saves you the trouble of having to call up the bank to bargain for a waiver.


              Bank of China Visa Infinite Card

              The BOC Visa Infinite card is has the same minimum annual income requirement of $120,000, but with an annual fee of $350.

              With this card, you can enjoy complimentary access to Plaza Premium lounges up to twice a year, which is honestly quite disappointing for a card at this tier, where many competitors are offering unlimited access.

              Have you been to any of the airport lounges mentioned in this article? Give us your feedback!


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              Eugenia Liew

              I’m a 90s millennial who’s starting to realise that #adulting is more expensive than it seems on Instagram. When I’m not writing for MoneySmart, I’m usually playing with drain-dwelling stray cats or shopping at Sephora.