Credit cards with airport lounge access

Want to escape the airport crowds? Some credit cards offer complimentary access to an airport lounge. The table below displays Rewards credit cards with airport lounge access offered by our Online Partners.

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Editor-in-Chief
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promoted
Fees & charges apply. Australian Credit Licence 233714.
1.25
uncapped
$295
$200 in first year
45
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 291313.
2
uncapped
$395
55
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.

You’ve seen all your search results.

We couldn’t find any other products from our Online Partners, so here are a few from other providers…

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Bank of Melbourne Amplify Signature - Rewards Option
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 233714.
Bank of Melbourne Amplify Signature - Rewards Option
star filled star filled star filled empty star empty star
Tooltip icon
1.50
uncapped
$295
$199 in first year
55
Link Not Supplied
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 233714.
promoted
BankSA Amplify Signature - Rewards Option
star filled star filled star filled empty star empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 233714.
BankSA Amplify Signature - Rewards Option
star filled star filled star filled empty star empty star
Tooltip icon
1.50
uncapped
$295
$199 in first year
55
Link Not Supplied
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 233714.
promoted
Bankwest More World Mastercard
star filled star filled empty star empty star empty star
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Fees & charges apply. Australian Credit Licence 234945.
Bankwest More World Mastercard
star filled star filled empty star empty star empty star
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2.50
uncapped
$270
44
Link Not Supplied
Offer
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 234945.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234945.
promoted
Commonwealth Bank Ultimate Awards - Rewards Option
star filled star filled star filled star filled star filled
Tooltip icon
Fees & charges apply. Australian Credit Licence 234945.
Commonwealth Bank Ultimate Awards - Rewards Option
star filled star filled star filled star filled star filled
Tooltip icon
1
up to $10,000/month then 0.5 uncapped
$420
$0 if $48,000 is spent annually
44
Link Not Supplied
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 234945.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234945.
promoted
Commonwealth Bank Smart Awards - Rewards Option
star filled star filled star filled star filled empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 234945.
Commonwealth Bank Smart Awards - Rewards Option
star filled star filled star filled star filled empty star
Tooltip icon
1
up to $5,000/month then 0.5 uncapped
$228
$0 if $24,000 is spent annually
44
Link Not Supplied
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 234945.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234945.
promoted
HSBC Platinum Credit Card
star filled star filled star filled star filled empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 232595.
HSBC Platinum Credit Card
star filled star filled star filled star filled empty star
Tooltip icon
1.50
up to $120,000/yr
$199
$0 in first year
55
Link Not Supplied
Offer
Discount
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 232595.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 232595.
promoted
HSBC Premier World Mastercard - Rewards Option
star filled star filled star filled star filled empty star
Tooltip icon
Fees & charges apply. Australian Credit Licence 232595.
HSBC Premier World Mastercard - Rewards Option
star filled star filled star filled star filled empty star
Tooltip icon
1.50
up to $120,000/yr
$199
$0 in first year
55
Link Not Supplied
Offer
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 232595.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 232595.
promoted
Latitude Financial Services David Jones Prestige
star filled star filled star filled star filled star filled
Tooltip icon
Fees & charges apply. Australian Credit Licence 392145.
Latitude Financial Services David Jones Prestige
star filled star filled star filled star filled star filled
Tooltip icon
1
uncapped
$295
$0 in first year
55
Link Not Supplied
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 392145.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 392145.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Annual fee (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Earn up to 90,000 bonus Qantas Points
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Earn up to 90,000 bonus Qantas Points
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Min spend $3k in 3 months. Offer ends 13 Jan 2026.
dot
T&Cs apply. New American Express Card Members only
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About credit cards with airport lounge access

Want to escape the airport crowds (and enjoy free food and drinks) the next time you travel? Some credit cards offer complimentary access into airport lounges, usually in return for a high annual card fee.

While there are a handful of premium credit cards that offer unlimited entry, most credit cards that come with this particular perk tend to offer around two complimentary visits per year. Which lounges you can enter will depend on the card you have.

Which credit cards offer airport lounge access?

The credit cards that offer airport lounge access are generally premium frequent flyer and rewards credit cards. These types of credit cards usually allow you to earn frequent flyer or rewards points on eligible spending and may come with other perks like complimentary travel insurance. However, keep in mind these cards usually charge higher annual fees and come with higher interest rates than non-rewards credit cards.

How do credit cards with free airport lounge access work?

Most credit cards with airport lounge access offer a limited number of complimentary passes per year. This is commonly two single-entry passes per year.

There are a handful of premium cards that offer unlimited free airport lounge access at eligible locations, including the American Express Platinum Card. These cards generally have high minimum income requirements and high annual fees. For example, the Amex Platinum Card has an annual fee of $1,450 at the time of writing.

Which lounges you can enter depends on your card. For example, a Qantas branded credit card may allow you to enter Qantas Club lounges, while a Velocity branded card may allow you to enter Virgin Australia lounges. Many American Express credit cards allow you to enter the Centurion Lounge in Sydney or Melbourne international airports.

Some credit cards offer lounge access through Mastercard’s partnership with LoungeKey or the Priority Pass program. These programs give you access to over 1,000 airport lounges around the world. Eligible cards typically offer complimentary membership to the program and you may receive a couple of complimentary passes each year. Once you have used your passes, you may have the option of paying for individual lounge visits and this will be charged to your credit card.

How do I get free airport lounge access with a credit card?

To get free airport lounge access, you may need to meet some conditions. Some common examples include:

  • Having a valid airline ticket: Generally, you will need to present a same-day airline ticket to enter the lounge. Depending on the lounge, you may need to have a ticket with the same airline. For example, to enter the Qantas Club lounge, you may need to be travelling on a Qantas or Jetstar flight.
  • Meeting any purchase requirements: You may need to make an eligible purchase to get the complimentary passes. For example, some cards require you to purchase Qantas items (such as Qantas flights) using the card to be eligible for Qantas Club passes.
  • Enrolling in the lounge program: If airport lounge access is provided through a program such as Priority Pass, you usually need to enrol in the program.

Make sure you read the terms and conditions so you understand what the specific requirements are.

Is a credit card with lounge access worth a higher annual fee?

Complimentary lounge access is a perk offered with some travel/rewards credit cards. It’s described as ‘complimentary’ (as opposed to ‘free’) by credit card providers because the cost is typically bundled into your card’s annual fee.

And the reality is, credit cards with airport lounge access included are on average significantly more expensive than other credit cards. Whether they are worth the higher annual fee will depend on your needs and financial circumstances. If you travel frequently, then they may be worth the additional fee. If you rarely travel, they may not provide you with much value for money.

It’s important to read any relevant documentation, such as the Product Disclosure Statement (PDS), Key Facts Sheet and Target Market Determination (TMD), for any product you’re considering.

Frequently Asked Questions about Credit Cards with airport lounge access

Another option is purchasing airport lounge access. Some examples include Qantas Club, Virgin Australia Lounge and Priority Pass memberships. Here’s the cost of a one-year membership at time of writing:

  • Qantas Club: $129 joining fee and $699 one-year membership fee for new members.
  • Virgin Australia Lounge: $99 joining fee and $450 annual membership fee.
  • Priority Pass: US$99 annual fee for standard membership and US$35 member and guest visit fee.

Credit cards that offer airport lounge access come with many of the same pros and cons as regular credit cards. But there are also some specific benefits and drawbacks to be aware of:

Pros of credit cards with airport lounge access

  • Receive airport lounge benefits like complimentary food and drinks, free Wi-Fi and showers.
  • Depending on your circumstances and how often you fly, it could be cheaper than purchasing airport lounge access (e.g. paying for a Qantas Club, Virgin Australia Lounge or Priority Pass membership).
  • Since they are usually frequent flyer or rewards credit cards, the card may offer other benefits such as complimentary travel insurance or purchase protection.

Cons of credit cards with airport lounge access

  • They often charge higher annual fees. So consider whether the benefits you would receive offsets this.
  • They tend to charge higher interest rates.
  • You may only get a limited number of airport lounge entries per year.
  • You may only be able to access lounges when flying with certain airlines or at certain airports.
  • Your family or travelling companions may not be granted access to the lounge with you. Check with your card provider whether you can give a complimentary pass to a travelling companion.

This will depend on the airport lounge partnerships that your credit card provider has in place. You can generally find this information on the provider’s website or by contacting them directly.

It’s important to note that some airport lounge programs require you to enrol as a member before being able to access the lounge.

Whether a guest can accompany you into the lounge will depend on the airport lounge you’re trying to access, as well as the conditions of your lounge access. If your credit card provides you with two complimentary passes, you may be able to give one to your travel companion, but in many cases they will need to pay for access separately.

It’s worth checking how your complimentary lounge access works when it comes to guests before you head to the airport.

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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

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You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

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