Best Credit Cards for Complimentary Lounge Access 2022

While frequent travellers can benefit from high overseas rewards rates, luxury perks also provide substantial value. For those who prioritise comfort during their travels, our experts 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, WorldwideUnlimited. 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 LoungeKeyv. 2% rebate on leisure, 50% off green fees
OCBC 90°NUSD 32/Visit via LoungeKeyUnlimited cashback + miles, no conversion fees
OCBC TitaniumUSD 32/Visit via LoungeKey4 miles per S$1 on fashion & select retail

Best Travel Credit Card for Luxury Perks: Citi Prestige MasterCard

Citi Prestige Card
Citi Prestige Card
Consider this if you want special travel perks like free hotel nights and unlimited lounge access
  • Pros
    • Great luxury benefits
    • Ideal for higher budgets
    • Great golfing and travel perks
    • Cons
      • Very high annual fees
      • Unsuitable for moderate budgets
      Promotions:

      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 credit 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, 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 Credit 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
      • Pros
        • 2.2 miles per S$1 overseas retail and dining spend
        • 1.3 miles per S$1 local retail spend
        • 15,000 annual bonus renewal miles (worth S$150)
        • Unlimited lounge access, limo transfers & more
        • Up to 19% fuel savings with Caltex
        • Cons
          • High S$488 annual fee (no waiver)
          • Recurring bills ineligible for rewards
          • Access to limo transfers requires S$5,000 minimum spend
          Promotions:

          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 1.3 miles per S$1 locally, and overseas spend also earns a competitive 2.2 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. 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 credit card without sacrificing privileges.

          Read Our Full Review

          • Annual fee: S$488
          • 2.2 miles per S$1 overseas spend, 1.3 miles per S$1 local spend
          • Unlimited lounge access, free limo transfers, golfing privileges
          • Global concierge service
          • Annual fee: S$488
          • 2.2 miles per S$1 overseas spend, 1.3 miles per S$1 local spend
          • Unlimited lounge access, free limo transfers, golfing privileges
          • Global concierge service

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

          PROMO: Qualified customers can receive up to 27,000 KrisFlyer Miles
          Consider this if you prioritise luxury perks like flight & hotel membership upgrades
          • Pros
            • Luxury travel perks
            • Great rewards with Singapore Airlines
            • Elite travel memberships
            • Cons
              • Not suitable for high overseas spend
              • High annual fee
              Promotions:
              • Receive 20,800 KrisFlyer miles with min. spending of S$1,000 within the first month of Card approval + Receive 5,000 KrisFlyer miles upon first transaction on card (for first-time American Express Singapore Airlines Credit Card applicants) + Earn 1,200 KrisFlyer miles based on the S$1,000 spending above (based on 1.2 KrisFlyer miles per S$1 spent locally)
              • A min. spend of S$1,000 must be made within first month of card approval
              • Promotion valid only for new card members

              American Express Singapore Airlines KrisFlyer Ascend Card is a great option if you want a slightly more affordable luxury credit 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.

              Read Our Full Review

              • 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 Credit Card for Affluent Travellers: CIMB Visa Infinite Card

              PROMO: Qualified customers can get up to S$188^ cashback
              Consider this if you want a no fee cashback card for travelling
              • Pros
                • Best fit for monthly budgets above S$2,000
                • Unlimited 2% cashback on travel, overseas and online
                • No annual fee credit card
                • Cons
                  • Not suitable for spenders with local budgets
                  • Doesn't fit specialised budgets (ie dining, shopping) and infrequent travellers
                  Promotions:
                  • Increase total spend to S$988 on eligible transactions within 60 days from Eligible Card approval date to get an additional S$100 cashback
                  • Promotion is not valid for existing principal CIMB credit cardholders, new CIMB CashLite and Balance Transfer applications, new supplementary cardholder, new Secured Credit Card applications, and upgrading principal CIMB credit cardholders

                  CIMB Visa Infinite Card is one of the only cashback credit cards that offers exceptional travel perks and privileges. First of all, high spenders are a great match for this credit 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,. To compare, very few cashback credit 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.

                  Read Our Full Review

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

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

                  PROMO: None currently available
                  Consider this if you want a good miles credit card with an easily waived annual fee
                  • Pros
                    • Great for online travel bookings
                    • Cons
                      • Those willing to pay an annual fee for more bonus miles
                      • Affluent travellers who are willing to pay a high fee for luxury travel perks
                      Promotions:

                      DBS Altitude Visa Card is a great travel credit 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.

                      Read Our Full Review

                      • 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 Credit 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
                      • Pros
                        • Frequent traveler perks
                        • Low fees
                        • Flexible miles redemption
                        • Cons
                          • Lacks luxury perks
                          • Not suitable for occasional travel
                          Promotions:

                          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 45,000 welcome miles (worth S$450) 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 credit card with lounge access and bonus miles, Citi PMV Card is definitely worth considering.

                          Read Our Full Review

                          • 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
                          • Pros
                            • Earn up to 300,000 bonus welcome miles
                            • Earn 2 miles/S$1 spend overseas
                            • Special privileges with elite hotels
                            • Cons
                              • Bonus miles limited to affluent consumers
                              • Very high & unwaivable S$695.5 annual fee
                              • Lower rewards rates than other lux. cards
                              Promotions:

                              Standard Chartered Visa Infinite X Card is a travel credit 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 credit 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.

                              Read Our Full Review

                              • 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 Credit Card for Earning Miles Locally: Maybank Horizon Visa Signature Card

                              Get Samsonite Harts 68/25 Spinner worth S$550
                              Consider this if you want to maximise miles earned on dining and petrol
                              • Pros
                                • High spend on local dining & transport
                                • Great for local spend and miles rewards on travel
                                • 3 years fee waiver
                                • Cons
                                  • Doesn't reward overseas spend
                                  • Few travel perks & privileges
                                  • Lacks in rewards for essentials (ie groceries)
                                  Promotions:
                                  • Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
                                  • Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply

                                  Maybank Horizon Visa Signature Card is the best miles-earning credit 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 credit 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 credit cards on the market, while still offering airport lounge access.

                                  Read Our Full Review

                                  • 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 Credit Card with Golfing Privileges: Maybank World MasterCard

                                  Consider this if you are an avid golfer who travels frequently to golf clubs worldwide
                                  • Pros
                                    • Great perks for golfers who enjoy local and global courses
                                    • Good fit for budgets between S$1,000 to S$2,000 monthly
                                    • Awards dining and high-end retail shopping
                                    • Cons
                                      • Not a good fit for non-golfers or infrequent golfers
                                      • Doesn't reward everyday spend
                                      • Lacks travel perks and privileges
                                      Promotions:

                                      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 credit 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 credit card for you.

                                      Read Our Full Review

                                      • 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

                                      PROMO: Qualified customers can get up to S$188^ cashback
                                      Consider this if you want a free credit card that rewards leisure spend
                                      • Pros
                                        • Great fit for big leisure budgets
                                        • Rewards dining, entertainment and duty free shopping
                                        • Perks for avid golfers
                                        • No-fee & maintenance free cashback card
                                        • Cons
                                          • Lack cashback on essentials (ie groceries, bills)
                                          • Doesn't reward airline & hotel spend
                                          • Doesn't fit monthly budgets of S$3,000/month and below
                                          Promotions:
                                          • CIMB $188 Cashback Promotion: Activate your card and spend S$108 within the first 30 days from Eligible Card approval date to get S$88* cashback
                                          • Increase total spend to S$988 on eligible transactions within 60 days from Eligible Card approval date to get an additional S$100 cashback
                                          • Promotion is not valid for existing principal CIMB credit cardholders, new CIMB CashLite and Balance Transfer applications, new supplementary cardholder, new Secured Credit Card applications, and upgrading principal CIMB credit cardholders

                                          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% cashback on all spend–slightly lower than competitors–plus 2% on all leisure spend on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods with a minimum monthly spending of S$1,000. 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 50% off green fees at fairways across Asia. This credit 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 credit cards on the market.

                                          Read Our Full Review

                                          • Annual fee: Free
                                          • Unlimited 2% cashback on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods
                                          • Unlimited 1% cashback on all other spend
                                          • 50% off green fees at select fairways in Asia
                                          • Access to MasterCard Airport Experiences
                                          • CIMB 0% Interest i.Pay Instalment Plan
                                          • Annual fee: Free
                                          • Unlimited 2% cashback on wine & dine (including food deliveries), movies & digital entertainment, taxi & automobile and luxury goods
                                          • Unlimited 1% 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

                                          OCBC 90°N MasterCard
                                          OCBC 90°N MasterCard
                                          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
                                          • Pros
                                            • VersatilMiles: 1.2 mi/S$1 locally, 2.1 mi overseas
                                            • No conversion fees & rewards never expire
                                            • Cons
                                              • Local rates are less competitive
                                              • No category-specific rewards boosts
                                              • Perks limited to discounted lounge access
                                              Promotions:

                                              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 credit card offers as high a rate for foreign currency transactions, and the closest competitor has a S$2k minimum spend requirement. OCBC 90°N MasterCard 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. Finally, cardholders also gain access to 1,000+ lounges worldwide for a discounted US$32/person, through Mastercard Airport Experiences. Overall, OCBC 90°N MasterCard is the best option for high spenders looking to earn both cashback and miles.

                                              Read Our Full Review

                                              • Annual fee: S$53.50 (Extra 10,000 Travel$ with S$139 top-up)
                                              • 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

                                              OCBC Titanium Rewards Credit Card
                                              OCBC Titanium Rewards Credit Card
                                              Consider this if you want to accrue miles from your shopping purchases
                                              • Pros
                                                • 10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more)
                                                • Fee waiver with S$10,000 annual spend
                                                • Up to 16% fuel savings with Caltex, 14% with Esso
                                                • Cons
                                                  • 1 pt (0.4 miles) per S$1 other spend
                                                  • Earnings capped at 4,000 mi/mo (worth S$40)
                                                  Promotions:

                                                  OCBC Titanium Rewards Card stands out because it is the only shopper credit card that offers airport lounge access. The card itself is the most versatile shopper credit 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. Even more, OCBC Titanium Card offers a fee-waiver with just S$10,000 annual spend, making it one of the most affordable credit cards offering lounge access. If you’re a frequent retail shopper seeking convenience when you travel, definitely consider OCBC Titanium Card.

                                                  Read Our Full Review

                                                  • 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

                                                  Consider this if you travel frequently for business
                                                  • Pros
                                                    • Great rewards for high overseas spend
                                                    • Rewards banking activity
                                                    • Cons
                                                      • Not suitable for average spenders who mostly buy local essentials
                                                      • Annual fee
                                                      Promotions:

                                                      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 credit 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 2022

                                                      Below, we've prepared a summary of our picks for the best credit cards with airport lounge access in 2022.

                                                      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.

                                                      Zoryana Melesh

                                                      Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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