Best Credit Cards for Complimentary Lounge Access 2020

While frequent travellers can benefit from high overseas rewards rates, luxury perks also provide substantial value. For those who prioritise comfort during their travels, we've closely analysed 100+ Singaporean credit cards, identifying those with the absolute best free lounge access policies. Our reviews cover everything from number of annual visits to guest passes, making it easy for you to decide which travel credit card has the lounge perk for you.

Best CardsLounge BenefitCard Features
Citi PrestigeUnlimited + 1 Guest, Worldwide25,000 renewal miles, free hotel nights & more
OCBC VoyageUnlimited + 1 Guest, WorldwideEasy miles redemption, rewards for local dining
Amex KF Ascend4 Visits/Year, WorldwideExclusive flight & hotel membership upgrades
CIMB V. Infinite3 Visits/Year, WorldwideUnltd. 2% rebate on travel & overseas
DBS Altitude2 Visits/Year, WorldwideAnnual fee waived for annual spend of S$25,000
Citi PMV2 Visits/Year, Worldwide21,000 welcome & 10,000 renewal miles
SC V. Infinite X2 Visits/Year, WorldwideUp to 300,000 bonus miles
MB Horizon
  • 1 Visit/S$1,000 trans., 4 Lounges
3.2 mi/S$1 on food & transport, 2 for travel
MB World
  • 1 Visit/S$1,000 trans., 14 Lounges
Free green fees at 120 fairways, 25 countries
CIMB WorldUSD 32/Visit via LoungeKeyUnltd. 2% rebate on leisure, 50% off green fees
OCBC 90°NUSD 32/Visit via LoungeKeyUnltd cashback + miles, no conversion fees
OCBC TitaniumUSD 32/Visit via LoungeKey4 miles per S$1 on fashion & select retail

Best Travel Card for Luxury Perks: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020

If you’re a high-spending traveller and prioritise luxury perks, Citi Prestige MasterCard offers some of the best privileges on the market–including unlimited lounge access–plus top miles rewards rates. Cardholders earn 1.3 miles per S$1 local spend, 2 overseas, and receive 25,000 annual renewal miles (worth S$250, which largely offset the S$535 fee.

Where Citi Prestige really derives its value, however, is from its excellent perks. Cardholders receive Priority Pass membership, which offers unlimited visits to airport lounges around the world–regardless of airline, frequent flyer membership, or ticket class. Even better, cardholders can bring a guest for free. Many travel cards limit visits and only provide access to select lounges; guests often count towards the visit total as well. Citi Prestige’s lounge access policy also stands out because there is no minimum spend requirement to access the perk.

Other luxury perks include free limo transfers, access to JetQuay Quayside twice a year, unlimited 4th bonus nights at hotels worldwide, dining privileges, and golfing privileges throughout SE Asia. Overall, Citi Prestige Card is an excellent option for affluent travellers seeking ultimate comfort and convenience.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Travel Card for Flexible Miles Redemption: OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you want flexible miles redemption and dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Receive 15,000 annual bonus miles

If you have a flexible travel schedule and want to earn miles at home–without sacrificing luxury perks that make travel comfortable and convenient–OCBC Voyage Card is by far the best option for you. Cardholders earn 1.2 miles per S$1 locally and a boosted 1.6 miles for local dining (which is higher than any local rate offered by alternatives). Overseas spend also earns a competitive 2.3 miles per S$1, making it easy to earn miles wherever you are.

Even better, cardholders can enjoy flexibility in miles redemption paired with great travel perks. There are no miles conversion or transfer fees, no black-out dates, and minimal processing time. Once at the airport, cardholders can enjoy unlimited access to 80 lounges worldwide, with one accompanying guest for free. Cardmembers and their guest are even entitled to free 15 minute massages where available. Other perks include free limo transfers and golfing privileges throughout SE Asia. While there’s a S$488 annual fee, it’s reflected in value through these benefits. Ultimately, OCBC Voyage Card is an excellent option if you want a flexible travel card without sacrificing privileges.

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  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Best Miles Card for Exclusive Travel Memberships: American Express Singapore Airlines KrisFlyer Ascend Card

Consider this if you prioritise luxury perks like flight & hotel membership upgrades

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • 5,000 bonus miles w/ 1st charge to your card
  • Spend S$5k w/in 1st 3mo, receive 10k bonus miles + Bang & Olufsen Beoplay E8 2.0 (worth up to S$399)
  • S$150 Dairy Farm Group Vouchers with the payment of the annual fee (S$337.05) + 500 bonus KrisFlyer miles w/ 1st Grab booking
  • Double KrisFlyer Miles Accrual Voucher with min. spend of S$15,000 on SIA from 1 July 2020 to 30 June 2021

American Express Singapore Airlines KrisFlyer Ascend Card is a great option if you want a slightly more affordable luxury card without having to sacrifice on the perks. In terms of rewards, rates are fairly standard. Cardholders earn 1.2 miles/S$1 general spend, 2 miles with SIA brands and overseas in June & December, and 3.2 miles on Grab. Amex SIA KF Ascend Card stands out, however, when it comes to travel benefits. Consumers enjoy free travel insurance and 1 free hotel night per year. They also have access to exclusive hotel, flight and car rental membership upgrades (Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus statuses respectively).

Another key perk is airport lounge access. Cardholders enjoy 4 free visits per year in qualifying SATS and Plaza Premium lounges. It's worth mentioning that guests are not included, and must pay for access separately. However, there are no minimum spend requirements to secure said perk. Furthermore, eligible lounges are located in airports across the world–from Canada to Brazil to the UAE and beyond–which is quite convenient. Finally, all of these benefits can be enjoyed for just a S$337.05 annual fee. Luxury cards offering equivalent lounge access tend to be far more expense. As a result, Amex SIA KF Ascend Card provides a great option for people who want access to luxury at a discounted price.

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  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status

Best Cashback Card for Affluent Golfers: CIMB Visa Infinite Card

Consider this if you want a no fee cashback card for travelling

Annual Income Requirement Singaporean & Singapore PR: S$120,000 . Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers), valid until December 31

CIMB Visa Infinite Card is one of the only cashback cards that offers exceptional travel perks and privileges. First of all, high spenders are a great match for this card because they can earn 1% unlimited cashback on all of their spend, allowing for infinite earning potential. After a S$2,000 minimum, they’ll earn 2% unlimited cashback on travel spend (airlines, hotels, travel agencies & more) as well as on all spend overseas (both in SGD or in foreign currency). This rate is higher than any offered by competitor unlimited cards.

In addition, CIMB Visa Infinite Card stands out for its perks. Cardholders enjoy 3 free airport lounge visits per year via DragonPass; guests and visits beyond the allotted amount cost USD 25 each. There are no minimum spend requirements to unlock free visits. Additional benefits include free travel insurance and discounted limo transfers, plus up to 2 free games/month at fairways worldwide (one of the best golfing perks on the market). To compare, very few cashback cards offer more than basic travel insurance, in terms of perks.

Finally, CIMB Visa Infinite Card is free forever, allowing cardholders to earn effortlessly with zero maintenance. If you want cashback for your travels, but still want access to perks, CIMB Visa Infinite Card is the best option for you.

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  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on all travel expenses, foreign currency transactions & overseas spend
  • Unlimited 1% cashback on all other spend
  • Complimentary green fees at 108 fairways across 16 countries
  • Free travel insurance, 3x lounge access, discounted limo transfers
  • CIMB 0% Interest i.Pay Instalment Plan

Best No-Fee Miles Card with Affordable Perks: DBS Altitude Visa Card

Consider this if you want a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$200 cashback w/ promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Or receive 38,000 miles by entering code "ALTAF" or "DBSALT" in your application and enjoy first-year card annual fee waiver
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)

DBS Altitude Visa Card is a great travel card for average and above average spenders because it offers attractive perks and rewards rates–plus a fee-waiver, making it extra affordable. Cardholders earn 1.2 miles per S$1 locally, 2 miles overseas, and 3 for online travel bookings (miles earned never expire). Additionally, they receive 2 free lounge visits/year through Priority Pass, free travel insurance and golfing privileges in SE Asia.

In order to be exempt from the S$192.6 fee, cardholders must spend S$25,000/year. This averages to about S$2,100/month. Consumers who spend at this level should definitely consider DBS Altitude Card to earn no-fee miles plus lounge access.

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  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)

Travel Card for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020

If you’re looking for an affordable travel card that still offers perks like lounge access, Citi PremierMiles Visa Card is an excellent option that also offers bonuses like welcome miles. Cardholders earn a respectable 1.2 miles per S$1 spend locally and 2 miles overseas, plus up to 21,000 welcome miles (worth S$210) and 10,000 annual renewal miles (worth S$100). These easily offset the S$192.6 fee, which is already much lower than many alternatives, which cost up to S$500+/year.

Another reason to consider Citi PMV Card is that despite its low fee, it still offers perks like 2 free lounge visits/year. This covers lounges worldwide, making it extremely accessible regardless of where you choose to travel. Accompanying guests count towards the total allotment of 2, but additional visits can be purchased for just USD 27. Cardholders also receive free travel insurance, with up to S$1,000,000 in coverage. Ultimately, if you’re looking for an affordable travel card with lounge access and bonus miles, Citi PMV Card is definitely worth considering.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance

Standard Chartered Visa Infinite X: Best Sign-On Bonus for High Income

Consider this if you have +S$100k of cash you can put into a banking account with Standard Chartered

Annual Income Requirement S$80,000 (S$30,000 for SG citizens & PR with Priority or Private Banking accounts)
Foreigner Income Requirement S$80,000 (S$60,000 for foreigners with Priority or Private Banking accounts)
Promotions:
  • 35k welcome bonus miles
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020

Standard Chartered Visa Infinite X Card is a travel card for high income consumers who want to earn a lot of bonus miles. For those who can afford to make a deposit of S$300k into Standard Chartered's Priority Banking account, this card earns an impressive bonus of 100,000 KrisFlyer miles (up to 300,000 miles for +$1.5mn deposit), by far the best welcome offer in the market. Aside from this, SC VI X Card provides pretty standard set of benefits like 1.2 miles per S$1 spent locally (2 miles per S$1 overseas), free travel insurance, 2 complimentary lounge visits/year, discounted green fees and hotel privileges. ALthough its S$695.5 annual fee is amongst the highest on the market, the bonus miles can more than offset since their values can be estimated around S$0.1 per mile when redeemed for first or business class tickets.

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  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia

Best Card for Earning Miles Locally: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)

Maybank Horizon Visa Signature Card is the best miles-earning card for primarily local spenders. To begin with, cardholders earn 3.2 miles per S$1 spend on local dining, taxis, Grab and petrol, which is a higher local rate than that offered by any traditional travel card. Consumers also earn a respectable 2 miles per S$1 on air tickets, travel packages and foreign currency transactions.

As for benefits, cardholders have access to airport lounges worldwide. For each single transaction of S$1,000, consumers receive 1 free visit to select lounges in Singapore (Ambassador Transit & Plaza Premium), Kuala Lumpur (Plaza Premium), and Hong Kong (Plaza Premium). Guests receive 20% off walk-in rates and 10% off lounge services like massages and hair treatments.

Maybank Horizon Card also offers a fee-waiver with a lower annual spend requirement than most competitors. The already low S$180.0 fee is waived for 3 years, and then with just S$18,000 spend, or about S$1,500/month. This makes Maybank Horizon Card one of the most affordable miles-earning cards on the market, while still offering airport lounge access.

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  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance

Best Miles Card with Golfing Privileges: Maybank World MasterCard

Consider this if you are an avid golfer who travels frequently to golf clubs worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)

Maybank World MasterCard is the best miles-earning travel card for golfers and even comes with lounge access and a fee-waiver. Cardholders receive 2 complimentary green fees/month at 120 fairways across 25 countries–which is more than triple the number of courses offered by its competitor. Additionally, cardholders receive 1 free visit per S$1,000 card transaction to one of 14 Plaza Premium Lounges worldwide.

Cardholders also earn 10 points (4 miles) per S$1 spend with select dining and luxury retail merchants. Finally, cardholders can avoid paying the S$240.0 fee by spending just S$24,000/year on the card. This is made a bit easier because all spend by supplementary cardmembers counts towards the annual minimum. Ultimately, if you’re an avid golfer looking to earn no-fee miles while also enjoying perks like lounge access, Maybank World is the card for you.

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  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore

Best Cashback for Social High Spenders: CIMB World MasterCard

Consider this if you want a free credit card that rewards leisure spend

Annual Income Requirement Singaporean & Singapore PR: S$50,000. Applicants who do not meet the minimum requirement can submit a minimum Fixed Deposit Collateral of S$50,000
Foreigner Income Requirement N/A
Promotions:
  • Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers), valid until December 31

If you prefer cashback to miles, CIMB World MasterCard is the absolute best card for social high spenders on the market–and even comes with airport lounge access too. Cardholders receive unlimited 1.5% cashback on all spend–on par with competitors–plus 2% on all leisure spend (wine & dine, entertainment, recreation, parking & automobile, petrol and spend at duty-free stores). This is great for high spenders because there are no caps on earnings.

CIMB World Cardholders can also access airport lounges worldwide for just USD 32, as part of MasterCard Airport Experiences provided by LoungeKey. This is a great option because other cards only offer access after a high minimum spend; with CIMB World Card, visiting a lounge is far more accessible. Other perks include free travel insurance and 50% off green fees at fairways across Asia. This card is also accessible because there’s no annual fee. If you’re looking for unlimited cashback and perks like lounge access, CIMB World is one of the best cards on the market.

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  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • Unlimited 2% cashback on wine & dine, entertainment, recreation, automobile & parking, petrol, and duty-free stores spend (locally & overseas)
  • Unlimited 1.5% cashback on all other spend
  • 50% off green fees at select fairways in Asia
  • Free travel insurance, access to MasterCard Airport Experiences

Unlimited Cashback + Miles Rewards: OCBC 90°N Card

Consider this if you're an overseas traveller looking to rapidly accrue both miles & cashback without fees or complication, and are willing to forgo perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 10% off Expedia bookings
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)

High spenders interested in earning both cashback and miles should definitely consider OCBC 90°N Card. Cardholders earn Travel$, which are each equal to S$0.01 rebate or 1 air mile when redeemed. Accordingly, cardholders earn at a rate of unlimited 1.2% cashback locally (1.2 miles per S$1) and 2.1% overseas (2.1 miles). This overseas rate is quite competitive. In fact, no unlimited cashback card offers as high a rate for foreign currency transactions, and the closest competitor has a S$2k minimum spend requirement. OCBC 90°N Card does not have any minimum spend requirements. In terms of miles, the overseas rate is 0.1 miles higher than the market norm. In either case, rewards can be redeemed for cashback or miles at an equivalent valuation. Most rewards cards devalue points redeemed for cash rebates. Additionally, rewards earned never expire and cardholders never need to pay conversion fees.

In addition to its versatility, OCBC 90°N Card also stands out by rewarding consumers with 10,000 Travel$ annually (equal to S$100 cash rebate or 10,000 air miles when redeemed). No other card offering unlimited cashback offers such an annual bonus. Even in the case of travel cards, not every competitor offers such annual renewal gifts. Finally, cardholders also gain access to 1,000+ lounges worldwide for a discounted US$32/person, through Mastercard Airport Experiences. Overall, OCBC 90°N Card is the best option for high spenders looking to earn both cashback and miles.

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  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences

Best Miles Card for Fashion & Retail: OCBC Titanium Rewards Credit Card

Consider this if you want to accrue miles from your shopping purchases

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card stands out because it is the only shopper card that offers airport lounge access. The card itself is the most versatile shopper card on the market. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, electronics, and a variety of merchants (Amazon, Alibaba, Lazada, Qoo10 and many more). Essentially, this means you can earn on everything from furniture to pharmaceuticals, food to beauty products and more. OCBC Titanium Card also rewards purchases through almost every channel–online, offline, locally and overseas.

OCBC Titanium Card stands out by offering access to 1,000+ lounges for just USD 32 per person, via MasterCard Airport Experiences provided by LoungeKey. Additional travel perks include complimentary access to JetQuay Quayside and a variety of dining and lifestyle privileges. Even more, OCBC Titanium Card offers a fee-waiver with just S$10,000 annual spend, making it one of the most affordable cards offering lounge access. If you’re a frequent retail shopper seeking convenience when you travel, definitely consider OCBC Titanium Card.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso

Highest Rewards Rate for Overseas Spend: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles

Standard Chartered Visa Infinite Card is an exceptional option for frequent travellers–including for business–because it balances the highest rewards rates on the market with incredible travel perks. Cardholders earn 1.4 miles per S$1 locally and 3 miles overseas. The closest competitors offer just 2.4 miles overseas. In addition, new cardmembers receive 35,000 welcome miles (worth S$350) that readily offset the S$588.5 fee.

While this fee may seem high, there are more than enough perks and privileges to make up for it in value. Cardholders receive Priority Pass with up to 6 free visits/year. While these do not come with a free guest (guest visits count towards the allotted 6), visits beyond the limit only cost USD 27 per person. Other benefits include free 4 hour yacht hire every year, free travel insurance, rental privileges with Hertz Asia and golfing privileges.

It’s also worth mentioning a very unique benefit specific to SC Visa Infinite Card. Cardholders can earn rewards for their income tax payments and banking activities (mortgage loans, investments, savings accounts and more)–many other cards exclude such transactions from earning rewards at all. High spenders that qualify for the card (S$150,000 minimum salary) can easily earn S$175+ just by paying their taxes through SC Visa Infinite Card. Ultimately, if you’re a frequent overseas spender looking for top rates and top perks, this is the card for you.

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  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Summary of Best Credit Cards with Airport Lounge Access 2020

Below, we've prepared a summary of our picks for the best credit cards with airport lounge access in 2020.

CardBest for...Annual Fee
Citi PrestigeLuxury Travel PerksS$535.0
DBS AltitudeNo Annual Fee + MilesS$192.6 (waived)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
CardBest for...Annual Fee
Citi PrestigeLuxury Travel PerksS$535.0
DBS AltitudeNo Annual Fee + MilesS$192.6 (waived)
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Maybank HorizonMiles for Local SpendS$180.0 (waiver)
Maybank WorldAir Miles for GolfersS$240.0 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)

Compare the Best Credit Cards with Airport Lounge Access by Dollar Value

To help you find the best credit card with complimentary lounge access, we have prepared a chart below organizing credit cards by 2-year dollar value. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like travel perks whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best credit cards with airport lounge access compare to one another in terms of their rewards
Best Credit Cards with Airport Lounge Access By Estimated 2-Year Dollar Value

Conclusion

Considering that most flights are not that comfortable, the last thing a busy and tired person wants to do is walk around the airport and fight for sitting space at the gate area. Lounge access can be a great place for you to relax even just for 10-15 minutes before heading over to your gate. Couches are more comfortable, bathrooms are cleaner and there are even free drinks! Given that these cards give you free access to such a great deal, we recommend you to actively utilize perks to squeeze every dollar of value from your travel credit cards. Rewards credit cards often cost a meaningful sum of annual fees, and it’s important that you are aware of the benefits these cards entitle you to, and how you can receive full value from them.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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