Best Credit Cards With Lounge Access Worldwide (Free Entry)

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer, a great frequent flyer program for travels to regions like Australia, New Zealand, Mainland China, India and Istanbul.

Cardholders are also entitled to 4 free airport lounge visits (via DragonPass) per calendar year. For example, if you apply for the card in March 2023, you will get 4 free visits for the current year, plus 4 more free visits from 1 January the following year.

Cardholders also get complimentary access to the ENTERTAINER with HSBC app, where there are over a thousand 1-for-1 deals on dining, entertainment and hotels.

💸 Annual fee
S$196.20
(Get 30k points (12k miles) when you pay the annual fee from the 2nd year onwards. Get first-year waiver, if you don’t want the sign-up bonus.)

💼 Income requirement
S’porean/PR: S$30,000 – S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
4 free visits per calendar year
(via DragonPass)

⏰ Points expiry
3 years from transaction
(37 months to be exact)

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, BA Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points
(10,000 miles)

💲Transfer fee
Free

🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

There are 2 variants of the DBS Altitude Card (Visa and AMEX). Both offer similar earn rates and benefits but only the Visa version comes with 2 free airport lounge visits per card membership year.

Miles earned on this card do not expire.

💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)
Note: Annual fee payments come with 10,000 miles (not worth it)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
AMEX: 3%
Visa: 3.25%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(Visa version only, via Priority Pass)

⏰ Points expiry
Points earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

✍️ Short summary
This card gives you uncapped earn rates of 1.4 miles per dollar on SGD spending and 2.4 per dollar on foreign currency spending.

Receive unlimited free airport lounge visits until 31 May 2026 and 12 free visits per card membership year from 1 Jun 2026.

This card is marketed as a “premium card”, with higher-than-usual annual fee of S$654 and minimum annual income of S$120,000. However, the benefits are, for the most part, worse than entry-level miles/travel cards.

With low earn rates, only 2 transfer partners, expiring miles and S$5 earning blocks, it is hardly useful for Singapore-based travellers as there are many stronger Miles cards in Singapore for spending. This card should only be treated as a backup, if you have exhausted all your 4 mpd cards with better earn rates and/or if you want free airport lounge access.

Notably, the Citi Prestige Card, which comes with a similar annual fee, offers 32,000 miles every year with annual fee payment, while the UOB Infinite Metal Card offers just 25,000 miles.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

💸 Annual fee
S$654
(No waiver)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
Unlimited* free lounge visits (via DragonPass)
^{*Dropping to 12 visits per card membership year from 1 Jun 2026.}

⏰ Miles expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲 Transfer fee
Free

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓ How/When points are credited
Base UNI$ are credited immediately when the transactions are posted.

📜 Terms & conditions

✍️ Short summary

This card comes with a hefty, non-waivable annual fee of S$1,744, which doesn’t come with any renewal miles. Let’s have a look at the key benefits.

Get unlimited airport lounge visits at selected airport lounges. Enjoy this benefit with 1 guest at Priority Pass and Plaza Premium lounges and 2 guests at AMEX-branded lounges. Note: Priority Pass spas and restaurants are not eligible.

Get uncapped 6.25 miles per dollar at 10Xcelerator merchants, up to S$16,000 per calendar year; earn 3.12 mpd for spending beyond this amount.

Get a complimentary 1-night hotel stay at a selected hotel.

Get 1 free meal for 2 pax every 2 months at selected Table for Two restaurants.

Get a S$200 dining credit at selected Table for Two restaurants.

Get a S$100 credit for Singapore Airlines/Scoot flights every 6 months when you spend at least S$300 in a single transaction.

Get a S$200 credit every 6 months for wine purchases on Wine Portal when you spend at least S$300 in a single transaction.

Cardholders can also get up to 50% off dining through the Love Dining program. While this also sounds like a great deal to get a “50% discount” on dining, it’s not as straightforward and comes with the following quirks and limitations:

1. Only particpating restaurants in Singapore are eligible.
2. Discount depends on party size:
   • 1 pax: 15% off
   • 2 pax: 50% off
   • 3 pax: 35% off
   • 4 pax: 25% off
   • 5+ pax: 20% off
3. Discount applicable to food only (no drinks) and each person must order at least 1 qualifying food item.
4. Discount excludes taxes/fees. At some restaurants, you’ll even pay the full taxes/fees on the pre-discounted bill.
5. Discount cannot be applied to the restaurants’ in-house promos.
6. Advance reservations required at some restaurants.

Earn just 0.63 mpd on other spending, even on foreign currency spending which comes with a hefty 3.25% FX fee.

Also, as compared to Visa and Mastercard, it can be harder to find merchants that accept AMEX cards outside the United States.

The AMEX Platinum Credit Card sells “lifestyle” benefits that are worded to sound better than they really are, and cardholders will spend an imense amount of effort to utilize them.

The “up to 50%” Love Dining benefit is only useful when dining as a pair and when choosing “qualifying food items”. After adding taxes, service charges and drinks, your true dining discount will be far less. On top of that, you’ll also lose out on in-house dining promos and superior earn rates on better Dining credit cards.

The statement credits for dining, wine and flights are also not easy to use as you’d need to keep track of the enrolment and redemption periods/steps, as well as the minimum spending requirements and looking for “participating merchants”.

Aside from spending at limited 10Xcelerator merchants, the AMEX Platinum Charge Card awards one of the worst earn rates in Singapore (0.63 mpd). There are many good Miles credit cards with a 4 mpd earn rate, spend with those instead.

This card tries to justify its hefty, non-waivable annual fee with “lifestyle” gimmicks that you’d spend the entire year chasing. It offers little more than a prepaid coupon book, I’d stay far away from it.

💸 Annual fee
S$1,744
(no waiver)

💼 Income requirement
Not stated (usually S$30,000)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles/Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, BA Club and more

💯 Transfer ratio
2 points = 1 mile

🧮 Transfer block
500 points (250 miles)

💲 Transfer fee
None

🤗 Points pooling
Points from this card cannot be combined with those from other AMEX cards and can only be transferred out separately.

❓How/When are miles credited
Miles/points are credited immediately when the transactions are posted.

📜 Terms & conditions

✍️ Short summary

This card offers uncapped earn rates of 1.68 mpd on SGD spending and 2.76 mpd on foreign currency spending. This is the best general spending rates in Singapore, though far behind specialized 4 mpd cards.

Having many transfer partners gives you fantastic flexibility. However, this card has a poor transfer ratio to KrisFlyer.

Cardholders enjoy unlimited airport lounge access (via Priority Pass) for the primary cardholder and up to 3 supplementary cardholders.

Cardholders also get 2 complimentary airport limousine rides per quarter (min. S$12,000 spend in the preceding quarter).

💸 Annual fee
S$708.50
(Waivable for HSBC Singapore Premier customers)

💼 Income requirement
S’porean/PR: S$30,000 – S$65,000
Foreigner: S$65,000

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
Unlimited free visits for primary and up to 3 supplementary cardholders
(via Priority Pass)

⏰ Miles expiry
3 years from transaction
(37 months to be exact)

🫱‍🫲 Transfer partners
Asia Miles, Infinity MileageLands, BA Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points
(10,000 miles)

💲Transfer fee
Free

🤗 Points pooling
Points from this card can be combined with those from other HSBC cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.

Principal cardholders can enjoy unlimited free airport lounge visits via DragonPass. However, this entitlement is limited to lounges only (no restaurants and spas) and cannot be used for guests (chargeable at US$32 per visit). Supplementary cardholders get 2 free lounge visits per calendar year.

Miles/points earned on this card do not expire.

💸 Annual fee
S$498
(No waiver, always comes with 15,000 miles)

💼 Income requirement
S$120,000

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 Voyage miles = 1 mile

🧮 Transfer block
25,000 Voyage miles (10,000 miles)

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
Voyage miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 Voyage miles per S$5 spent locally (equivalent to 1.3 mpd) and 11 Voyage miles per S$5 spent in foreign currencies (2.2 mpd). Voyage miles are credited immediately when the transactions are posted.

📜 Terms & conditions

✍️ Short summary

This card offers varying earn rates to normal cardholders, Priority Banking (PB) and Priority Private (PP) customers. To qualify for PB and PP, a Standard Chartered customer needs to have at least S$200k and S$1.5m Asset Under Management (AUM) with the bank, respectively.

For local spending, cardholders earn uncapped 1.5 miles per dollar, while PB and PP customers enjoy a boosted earn rate of 2 miles per dollar.

For foreign currency spending, cardholders earn uncapped 3 miles per dollar, while PB and PP customers enjoy boosted earn rates of 3.5 and 4 miles per dollar, respectively. PP customers can also enjoy an uncapped earn rate of 8 miles per dollar when dining in foreign currencies.

Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for principal and supplementary cardholders, with a cap of 6 guest visits between them.

From 22 Nov 2025 till 31 Dec 2026, cardholders can also receive 2 complimentary flight upgrades from Premium Economy Class to Business Class. However, this benefit is very restrictive. There needs to be at least 1 Business Class ticket in the booking and the Premium Economy Class ticket needs to be on non-restricted fare (most expensive). To redeem 2 upgrades, there needs to be 2 paid Business Class tickets in the same itinerary.

💸 Annual fee
S$1,635
(no waiver, always comes with 60,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
Unlimited free lounge visits
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transactions are posted.

📜 Terms & conditions

Having many transfer partners and miles that don’t expire gives you fantastic flexibility.

Cardholders are also entitled to 12 free airport lounge visits per calendar year (via Priority Pass) and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

💸 Annual fee
S$651.82
(Strictly no waiver, always comes with 80,000 points, equivalent to 32,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
12 free lounge visits per calendar year
(via Priority Pass)

⏰ Miles expiry
Miles/Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, BA Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Cardholders receive complimentary Accor+ Explorer membership, which comes with 2 complimentary hotel nights in Asia Pacific (pay 1 night, get 1 night free, up to 2 times). Accor+ Explorer members also get up to 50% off hotel room rates via Red Hot Rooms and 30% off dining at participating restaurants across Asia Pacific.

Cardholders are also entitled to 10 free airport lounge visits (via Priority Pass) per card membership year.

💸 Annual fee
S$599.50
(Strictly no waiver. Comes with 12,500 points, equivalent to 25,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
10 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
3 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

✍️ Short summary

Cardholders can earn uncapped 1.4 miles per dollar on local and 3 miles per dollar on foreign currency spending with a minimum spending of S$2,000 per statement month.

Without meeting the minimum spending requirement, the earn rate is just 1 mile per dollar, in any currency.

Cardholders are also entitled to 6 free airport lounge visits (via Priority Pass) per card membership year.

Unlike other “premium” cards, cardholders do not get any miles with annual fee payments.

💸 Annual fee
S$599.50
(No waiver, no miles)

💼 Income requirement
S’porean/PR: S$30,000 – S$150,000,
Foreigner: S$60,000 – S$150,000

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
6 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted, bonus points within 5 days after the statement date.

📜 Terms & conditions

On top of that, receive base miles (1.2 mpd for local, 2 mpd for foreign currency transactions) on commonly-excluded transactions such as insurance, education and medical.

Get 4 complimentary airport lounge visits per card membership year, but note that this lounge entitlement can only be used for the main cardholder (guests chargeable at US$35 per visit).

Cardholders can also receive up to 8 complimentary airport limo rides per calendar year by spending at least S$3,000 on the card in the previous month.

Miles/Points earned on this card are pretty flexible, as they do not expire. Holding other Maybank cards? Having this card will also remove the expiry term of miles/points earned off all your other Maybank cards.

💸 Annual fee
S$654
(First year waived)

💼 Income requirement
S$150,000/year

🤑 Foreign currency fee
3.25%

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles and Enrich

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
KrisFlyer: 25,000 points (10,000 miles)
Asia Miles & Enrich: 12,500 points (5,000 miles)

💲Transfer fee
No transfer fee

🤗 Points pooling
Points from this card can be combined with those from other Maybank cards and transferred out together at once.

❓How points are credited
Earn 5 base point per S$5 spent, plus 35 bonus points for foreign currency transactions (equivalent to 3.2 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Cardholders can also receive a bonus 1% cashback (total 2%) on travel-related (e.g. flights, hotels, travel agencies) and foreign currency spending when they spend at least S$2,000 per statement month.

Cardholders are also entitled to 3 free airport lounge visits (via DragonPass) per card membership year.

💸 Annual fee
No annual fee, ever

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3%

❓How/When cashback is credited
1% base cashback will be credited within the same statement month, while the +1% additional cashback will be credited by the following statement month.

📜 Terms & conditions