Best Credit Cards to use for free lounge access

Favourite category to "Stock up": Wines, Household items, Frozen food

Ah, airport lounges—the mystical oasis where weary travelers sip on free cocktails and feast on unlimited snacks. They seem exclusive, almost out of reach—until you discover the cheat code: credit cards that unlock these havens for free. So grab your boarding pass and let’s dive into the best credit cards to get you sipping, snacking, and stretching out in style—without spending a single cent.

There are two main ways of tracking lounge visit entitlements:

• Calendar year (i.e. 1 January 2025 to 31 December 2025)

• Membership year ( i.e. if your card expiry is 04/30, this means your free visits will be tracked from 1 April to 31 March of the following year)

  
  

Stacking Free Lounge Visits

One great perk is that free lounge visits can be stacked across different cards. For instance, if you hold 2 credit card from the list below, you’ll be able to "add" up your visit entitlements. Just remember—you’ll need to register and manage separate Priority Pass accounts for each card.

More Than Just Lounges

Lounge memberships aren’t just about comfy airport lounges. DragonPass, LoungeKey, and Priority Pass also let you redeem entitlements for set menus or dining credits at select airport restaurants, adding even more value to your membership. However, do note that if your Priority Pass is tied to an American Express card, you are not entitled to redeem visits for non-lounge experiences.

Most popular SG credit cards with airport lounge access

This guide deliberately excludes cards with sky-high income requirements (>$500K), invite-only cards, and those requiring priority banking. After all, we’re focusing on practical options that more travelers can actually use.

Card	Network	No. of Free visits	Annual Fees Waivable?
Citi PremierMiles	Priority Pass	2; calendar year	Waivable
DBS Altitude Visa	Priority Pass	2; membership year	Waivable
Maybank Premier World Mastercard	Plaza Premium	2; calendar year	Waivable
StanChart Journey Card	Priority Pass	2; membership year	No, first year free
HSBC TravelOne Card	DragonPass	4; calendar year	$196.20
UOB PRVI Miles	Priority Pass	4; calendar year	Waivable
CIMB Visa Infinite	DragonPass	3; membership year	Waivable
Maybank Visa Infinite	Priority Pass	4; membership year	S$654
DBS Vantage	Priority Pass	10; membership year	S$599.50
HSBC Visa Infinite	LoungeKey	Unlimited	S$662.15 (Priority: S$497.12)
UOB VI Metal Card	DragonPass	Unlimited +1 guest	S$654
Citi Prestige	Priority Pass	Unlimited +1 guest	S$545
AMEX Platinum Charge	Both	Unlimited +1 guest	S$1744

Lounges & Resturants at Changi Airport

Terminal	Lounge	DragonPass	Plaza Premium	Priority Pass
Terminal 1	Marhaba	Yes	No	Yes
Terminal 1	Plaza Premium	Yes	Yes	Yes
Terminal 1	SATS Premier	Yes	No	Yes
Terminal 2	Ambassador Transit	Yes	No	Yes
Terminal 2	SATS Premier	Yes	Yes	Yes
Terminal 3	Ambassador Transit	Yes	No	Yes
Terminal 3	Marhaba	Yes	No	Yes
Terminal 3	SATS Premier	Yes	Yes	Yes
Terminal 4	Blossom	Yes	Yes	Yes
Landside	Changi Lounge	Yes	No	Yes

Terminal	Lounge	DragonPass	Priority Pass
Terminal 1	Archipelago	Yes	No
Terminal 1	Crystal Jade	Yes	Yes
Terminal 1	Jamie’s Deli	Yes	No
Terminal 1	Kaveri Express Indian	No	Yes
Terminal 1	Mango Tree Kitchen	Yes	No
Terminal 1	Pret a Manger	Yes	No
Terminal 1	Tap+Brew	Yes	No
Terminal 1	Terrace Chinese Kitchen	Yes	Yes
Terminal 1	Thai Noodle Bar	Yes	No
Terminal 2	Asian Street Kitchen	No	Yes
Terminal 2	Chutney Mary	Yes	Yes
Terminal 2	Heineken World Bar	Yes	No
Terminal 2	Hudson Kiosk	Yes	No
Terminal 2	Kaveri Indian	Yes	Yes
Terminal 2	TGM	Yes	Yes
Terminal 2	TranSpa	Yes	Yes
Terminal 3	Hudsons Coffee	Yes	No
Terminal 3	Kaveri Express	No	Yes
Terminal 3	Pret a Manger	Yes	No
Terminal 3	NamNam	Yes	No
Terminal 3	Crystal Jade Go	Yes	Yes
Terminal 4	Tiger Den	Yes	Yes

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