Credit Cards That Give Airport Lounge Access in 2026
Last Updated: 27th January 2026
Having airport lounge access is a great perk you won’t want to go without after being used to it, and it’s an even more enjoyable benefit when you get it for the excellent price of free. Even if you fly only occasionally, having a card that allows you access to an airport lounge can give you some much needed respite during your travels.
In this article, you can find cards that offer as many as 2 to 12 free visits a year, and even cards that offer unlimited lounge access.
Lounge Networks
Credit cards often offer airport lounge access as a benefit, and this is often done through membership with a lounge network. Listed below are a few common ones that you can get through credit cards:
| Lounge Network | Number of Lounges |
|---|---|
 Priority Pass | 1,700+ |
 Diners Club | 1,500+ |
 Amex Global Lounge Collection | 1,300+ (with partners) + 25 Centurion lounges |
 DragonPass | 1,300+ |
There are a few types of airport lounges in the world. Quite a few are airline lounges which are usually used to provide lounge experiences for the airline’s business class or first class customers. Many others are independently owned that charge passengers a fee when they use the lounge.
Lounge networks hence tie up with airport lounges all around the world to offer entry to their members by consuming visits instead of charging a fee. This even includes some airline lounges, though you usually won’t be able to access the more exclusive ones (e.g. SilverKris lounge) with a lounge network membership.
Nonetheless, big lounge networks like Priority Pass and DragonPass tend to be sufficient for most travellers to get some rest and food as well as recharge themselves and their devices at airports all around the world. American Express even maintains its own Centurion lounges that can offer an elevated experience with nicer ambience and amenities.
Having multiple lounge accounts/visits
While many cards give a fixed number of visits, there is no stopping you from owning multiple cards so you can have more visits. Priority Pass, for instance, requires you to have multiple accounts for different cards. This means you would have one Priority Pass account for your DBS Altitude which gives 2 complimentary visits each year, and another account for your Citi PremierMiles which also offers 2 free visits annually. Just remember to switch to the other account when you have used up the first account’s visits.
My personal opinion is also to make sure I have visits with at least 2 lounge networks. During my travels, I have encountered occasions where a certain airport’s lounges did not accept Priority Pass, but a single lounge accepted my Amex Platinum Charge card for entry. It was great that I had a backup lounge network to fall back on in such a situation.
Restaurants and spas
Lounges are not the only thing that your lounge network has access to. You can also opt to use your lounge visits at airport restaurants like Kitchen by Wolfgang Puck (Changi Airport Terminal 3), or Asian Street Kitchen (Changi Airport Terminal 2).
You can even get free spa treatments like massages. In Singapore, Changi Airport Terminal 2 is home to TranSpa and Natureland which offer services like massages and haircuts that you can redeem with your lounge visits.
Not all cards give access to restaurants and spas, however, and I’ve noted such exclusions in the Remarks column of cards that do not offer such access.
Lounge Reviews
I’ve done a couple of videos reviewing various lounges at Changi Airport:
Cards with lounge visits
The following are cards that offer complimentary lounge visits. Almost every card comes with an annual fee, but many of them are waived for the first year and can be waived in subsequent ones.
| Card | Number of Visits | Annual Fee | Remarks |
|---|---|---|---|
 Diners Club | 1 visit | S$196.20 (Waivable) | 💳 Only Diners Club cards (DCS Mastercard, Visa cards not eligible) |
 Citi PremierMiles | 2 visits | S$196.20 (Waivable) | 👥 Up to 1 guest |
 DBS Altitude Visa | 2 visits | S$196.20 (Waivable) | 👥 Up to 1 guest |
 StanChart Journey | 2 visits | S$196.20 (Waivable) | 👥 Up to 1 guest |
 CIMB Visa Infinite | 3 visits | Free | 💲 S$120,000 annual income 👤 Only for cardholder |
 HSBC TravelOne | 4 visits | S$196.20 (Non-waivable) | 👥 Up to 3 guests ❌ No Spas |
 UOB PRVI Miles | 4 visits | S$261.60 (Waivable) | 👤 Only for cardholder |
 StanChart Visa Infinite | 6 visits | S$599.50 (Non-waivable) | 💲 S$150,000 annual income (not strictly enforced) 👥 Up to 5 guests |
 DBS Vantage | 10 visits | S$599.50 (Waivable) | 💲 S$120,000 annual income 👥 Up to 9 guests 💸 Annual fee waived with S$60,000 spend (cards issued before 1st August 2025) |
 Citi Prestige | 12 visits | S$651.82 (Non-waivable) | 💲 S$120,000 annual income 👥 Up to 11 guests |
Cards with unlimited lounge visits
Cards that offer unlimited lounge visits tend to require higher annual income, with quite a few having annual income requirements of S$120,000 to S$500,000. Amex Platinum Charge is a notable exception, having dropped its annual income requirement quite a while ago. Aside from the regulatory minimum of S$30,000 annual income, many individuals have been approved for the card regardless of their income bracket.
| Card | Number of Visits | Annual Fee | Remarks |
|---|---|---|---|
 Amex Platinum Charge | Unlimited  | S$1,744 (Non-waivable) | 💲 S$30,000 annual income requirement 👥 Up to 1 guest (most lounges) 👥 Up to 2 guests (Amex lounges) ❌ No Restaurants/Spas |
 HSBC Premier Mastercard | Unlimited | S$708.50 (Waived for Premier) | 💲 S$65,000 annual income requirement 👤 Only for cardholder 👥 Access for up to 3 supplementary card holders 💸 Fee waived for Premier-qualified customers (≥S$200,000 TRB) |
 UOB Visa Infinite | Unlimited | S$654 (Non-waivable) | 💲 S$120,000 annual income requirement 👥 Up to 1 guest ⚠️ Unlimited lounge benefit removed from 1st June 2026 |
 OCBC VOYAGE | Unlimited | S$498 (Non-waivable) | 💲 S$120,000 annual income requirement 👤 Only for cardholder ❌ No Restaurants/Spas |
 DBS Insignia | Unlimited | S$3,270 (Non-waivable) | 💲 S$500,000 annual income requirement 👤 Only for cardholder |
 UOB Reserve | Unlimited | S$3,924 (Non-waivable) | 💲 S$500,000 annual income requirement 👥 Up to 1 guest |
Check out some considerations to unlimited lounge access cards here:
How to set up your lounge access
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Given that many lounges provide free food, drinks, even things like alcohol and free use of massage chairs, it’s something you want to get before your next trip to make it so much more comfortable. It’s even more relevant if you’re flying with a low cost carrier, since you can fill your stomach before going on your budget flight. Lounge access certainly isn’t just for the business class crowd.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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