Best Credit Cards for Complimentary Lounge Access

Air miles cards are a particularly valuable set of credit cards for frequent travelers. Not only do they earn rewards in form of air miles, they usually also come with a set of travel perks designed to deliver a pleasant experience during your trips. Below, we have prepared a short list of the air miles cards with the best airport lounge access feature.

Table of Contents

Best Airline Miles Credit Card: Citibank PremierMiles Visa Card

Consider this if you travel 1-2 times per year

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi PremierMiles Visa Card is one of our favorite travel cards for average consumers. On top of the 1.2 miles for S$1 spent locally (2 miles per S$1 spent overseas), Citi PMV Card also provides 2 compilmentary Priority Pass membership for 2 free lounge visits per year. Furthermore, it provides even more features like welcome cashback bonus, complimentary travel insurance, and access to Citi Privileges globally. When you pay the annual fee of S$192.6, you can also receive 10,000 miles every year as you renew your card. In summary, we believe Citi PMV Card works very well for an average consumer who travels about 1-2 times per year.

Highlights

  • Annual fee: S$192.6, waived 1st year
  • 1.2 miles for S$1 spent locally, 2 miles for S$1 spent overseas
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Agoda
  • Complimentary travel insurance and Priority Pass Membership for free lounge access
  • Access to Citi Privileges globally
  • 14% off petrol spend at Shell & Esso
  • Promotion: 21,000 bonus miles after paying 1st annual fee and spending S$7,500
  • Bonus: 10,000 miles when you pay the annual fee and renew
  • Read Our Full Review

Best No Annual Fee Miles Credit Card: DBS Altitude Visa Card

Consider this if you travel 1-2 times per year and want to avoid paying credit card annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

DBS Altitude Card is an amazing miles credit card that comes with 2 complimentary Priority Pass lounge access every year. Not only does it provide 1.2 miles for every S$1 of local expenditure and 2 miles for every S$1 of overseas expense, it also waives its annual fee of S$192.6 for those who spend more than S$2,000 a month (or S$25,000 per year). Hence, if you value annual fee waivers over bonus mile awards, DBS Altitude could be a great way to earn miles without the burden of paying the annual cost.

Highlights

  • Annual fee: S$192.6, waived when you spend at least S$25,000 a year
  • Option to earn 10,000 bonus miles when paying the annual fee to renew
  • 1.2 miles for S$1 of local spend and 2 miles for overseas spend
  • 3 miles for S$1 spent on online travel bookings
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Expedia
  • 14% discount on petrol at Esso
  • Complimentary travel insurance: S$1mn in accident & death
  • 2 annual Complimentary Global Airport Lounge Access visits
  • Promotion: 10,000 miles welcome gift for Amex card if you spend S$2,000 per month for the first 3 consecutive months; 1 chance to win 2 SIA suites class tickets for every S$500 spend (5x for travel bookings)
  • Read Our Full Review

Best Air Miles Card for Luxury Travel Perks: Citi Prestige MasterCard Credit Card

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

Citi Prestige card is one of the best cards in the market for luxury travel benefits. While it comes with a relatively hefty annual fee of S$535, the fee is waivered for the first year, making it somewhat manageable. Not only that, this card has the best lounge access feature in the market. With a Citi Prestige card, you can get unlimited visits to airport lounges all over the world. While most other cards grant lounge access to the card holder, Citi Prestige also grants unlimited lounge visits to your travel companion as well. Citi Prestige also has many other offers that you can learn about in our review.

Highlights

  • Annual fee: S$535
  • Annual income requirement: S$120,000
  • 1.3 miles and 2 miles for every S$1 spent locally and overseas, respectively, with the ability to boost your reward miles by up to 30% with a banking account with Citi
  • Special benefits at Four Seasons and Ritz Carlton around the world, unlimited complimentary 4th night at any hotel
  • Unlimited Airport Lounge VIP Access
  • Complimentary travel insurance
  • Promotion: Annual bonus of up to 25,000 miles when you pay the annual fee
  • Read Our Full Review

Best Air Miles Card for Overseas Spending & Business Travelers: Standard Chartered Visa Infinite Card

Consider this if you travel overseas 5-6 times annually for business or shopping

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000

Standard Chartered Visa Infinite Card is the last of the “premium” air miles cards in this list. It provides 6 annual visits to 850 lounges globally, and costs S$588.5 of fee per year. While it lags behind the previous two cards on these features, SC Visa Infinite comes with an amazing miles rewards rate of 1.4 miles per S$1 spent locally and 3 miles per S$1 spent overseas. It also comes with some really high-end and luxurious perks like automatic upgrades on hotels, 10% discounts on Uber rides globally and discounts on private jets and yacht rentals. You can learn more about the SC Visa Infinite card’s pros and cons.

  • Annual fee: S$588.6 and no waiver
  • 1.4 miles and 3 miles for every S$1 spent locally and overseas, respectively.
  • Hilton HHonor Gold status, complimentary VIP lounge access & travel insurance, discounts for golf clubs, yachts and private jets
  • Promotion: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
  • 15% discounts & more on all Grab rides, GrabRewards Platinum Tier Status
  • Read Our Full Review

Miles Credit Card with Flexible Miles Redemption: OCBC Voyage Card

Consider this if you want the ability to redeem your miles whenever you want and want unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

The runner up in our list is OCBC Voyage card, a luxurious travel card offered by OCBC to compete with Citi Prestige and Standard Chartered Visa Infinite card. It is slightly more expensive to use than Citi Prestige because its annual fee of S$488 is not waivered. It is the runner up in this list because it also grants unlimited lounge visits to over 70 locations around the world, but not to your travel companion. It also has some unique features like flexible mile redemption program that allows you to book any flight at any time, a rare value proposition in an industry that usually operates with a plethora of blackout dates and limitations in miles redemption. To learn more about why this card is great, read our extensive review and analysis of OCBC Voyage card.

Highlights

  • Annual fee: S$488, no waiver
  • 1.6 mile per S$1 spent on local dining and retail spend, 2.3 miles for S$1 spent overseas
  • Flexible miles redemption program that allows you to book any flight you want at anytime
  • Unlimited VIP lounge access, complimentary travel insurance and free airport limo service
  • Min annual income: S$120,000
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Bonus: Ability to buy 150,000 KrisFlyer Miles for S$3,210 (S$0.02 per mile)
  • Read Our Full Review

CIMB Visa Infinite Card: No-Fee Cashback Card for Travel

CIMB Visa Infinite Card

Consider this if you want a no fee cashback card with no spending requirements

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

CIMB Visa Infinite Card is a great no-fee cashback card for travellers. While it rewards 1% cashback on all local expenses, this card's rebate is boosted to 2% for travel, overseas and online foreign currency expenditures. To further increase this card's value as a travel credit card, CIMB provides other benefits like low foreign currency transaction fee of 1% (vs 2.5-3.5% from other banks), complimentary lounge access and travel insurance.

Highlights

  • No annual fee
  • Spend S$2,000 in a month to enjoy 2% rebate on travel, overseas and foreign currency transactions
  • 1% rebate on all other retail spends
  • Complimentary 3 lounge visits per year

Summary of Credit Cards with Complimentary Lounge Access

Frequent travelers truly appreciate the comfort and convenience of airport lounges. For those who find themselves exhausted by the long waits at check-in counters and immigration, lounges can offer an oasis filled with free snacks, drinks and comfortable sofas where they can relax before getting on their flights. The only caveat is that lounges are usually only available for travelers sitting in business class or better, and for loyal customers with high mileage points with a particular airline. Below is a summary of credit cards that provide complimentary lounge access at airports.

Lounge AccessAnnual Fee
Citi PrestigeUnlimited Visits + 1 Guest GloballyS$535Learn More
OCBC VoyageUnlimited Visits to 70 LoungesS$488Learn More
SC Visa Infinite6 Annual Visits at 850 LoungesS$588.5Learn More
Citi PMV2 Annual Visits to Lounges GloballyS$192.6Learn More
DBS Altitude2 Annual Visits to Lounges GloballyS$192.6Learn More
Lounge AccessAnnual Fee
Citi PrestigeLearn MoreUnlimited Visits + 1 Guest GloballyS$535
OCBC VoyageLearn MoreUnlimited Visits to 70 LoungesS$488
SC Visa InfiniteLearn More6 Annual Visits at 850 LoungesS$588.5
Citi PMVLearn More2 Annual Visits to Lounges GloballyS$192.6
DBS AltitudeLearn More2 Annual Visits to Lounges GloballyS$192.6

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.

Duckju Kang

Duckju is the Senior Vice President of ValueChampion Singapore. He covers the financial services industry, consumer finance products, budgeting, and investing. He previously worked in the financial services industry, including at such hedge funds as Tiger Asia and Cadian Capital.

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