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The secret to a smooth trip is having a good credit card with lounge access Singapore.
Understanding which card offers the best access to VIP lounges. And most importantly, one that balances annual fees, mileage accumulation, and travel benefits. Today, we will focus on income requirements, annual fees, and, most importantly, the number of free visits you are entitled to with each credit card with lounge access Singapore.
Furthermore, by reading this article, you will learn the difference between the credit card with lounge access Singapore options offered. In the end, you will have objective information to choose the right card for your lifestyle and financial discipline.
Main Types of Cards that Provide Lounge Access
Lounge access is a benefit that attracts many travelers. Most VIP lounge access benefits are facilitated by the Priority Pass (PP) program, the world’s leading network with over 1,700 airport lounges globally. The two main types of cards are:
- Intermediate Cards: This type of card is more accessible. However, it has the disadvantage that its use is limited to a few visits per year.
- Premium Cards: On the other hand, this card has more interesting advantages. However, approval is more difficult. Using it will give you unlimited access, with some cards.
Leading Cards with Lounge Access Benefits
Below, we detail the most relevant cards in Singapore that offer VIP lounge access, divided by benefit level and income requirement.
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1. UOB PRVI Miles World Mastercard (Credit card with lounge access Singapore)
This card is a good option, focused on maximizing accumulation in travel categories.
As a rule, the annual fee is S$196.20 (including GST), with a waiver for the first year.
In terms of lounge access, it offers 4 free annual visits through Priority Pass. It is important to note that these visits are exclusive to the Primary Cardholder. Therefore, if you travel with your wife or children, they will not be entitled to lounge access.
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Its highlight is allowing the accumulation of up to 8 miles per S$1 spent on accommodation and flight bookings made via Agoda and Expedia on the UOB PRVI Miles portal.
2. Standard Chartered Journey Credit Card
The Standard Chartered Journey offers an integration of mileage rewards on daily spending, providing a credit card with lounge access Singapore that prioritizes routine.
As a rule, its annual fee is also S$196.20 (including GST), and for new customers, there may be a minimum spending requirement for the welcome bonus.
Furthermore, you get 2 free annual visits with Priority Pass.
In summary, it is a very competitive card for daily spending, offering 3 miles per S$1 in categories such as ride-hailing, food delivery, and supermarkets.
3. Standard Chartered Priority Banking Visa Infinite
This card offers lounge access more as a banking relationship benefit. The reason for this is that it focuses on the high-frequency traveler looking for a credit card with lounge access Singapore.
In addition, the main requirement is to have Priority Banking client status, which requires a high net worth under management with the bank.
Its main differential is lounge access: up to 24 free annual visits with Priority Pass, allowing the primary cardholder to bring 1 guest per visit at no additional cost.
4. HSBC Premier Mastercard
Although the focus is on substantial bonuses and Premier services, this card is an option for those who already have a high-level banking relationship.
The income requirement is S$65,000 for clients without Premier status, and the annual fee is S$708.50 under these conditions.
Lounge access is conditional and implicit in Premier status. The card stands out for robust welcome bonuses, which can reach 100,000 KrisFlyer miles. Incidentally, this is one of the best travel credit card Singapore 2025.
Comparative Table of Credit Cards with Lounge Access Singapore
| Card (Issuer) | Minimum Income (Citizens/PRs) | Annual Fee (S$ w/ GST) | Free Annual Accesses | Guest Cost (Standard) |
| UOB PRVI Miles World Mastercard (UOB) | S$30,000 | S$196.20 | 4 visits (Principal) | US$35 |
| SC Journey Credit Card (SCB) | S$30,000 | S$196.20 | 2 visits (Principal) | US$35 (Estimated) |
| DBS Altitude Visa / Amex (DBS) | S$30,000 | ~S$196.20 | N/A (Varies) | N/A |
| SC Priority Banking VI (SCB) | Priority Banking Status | Exempt (Conditional) | Up to 24 visits (Principal + 1 Guest) | Charge after 24 visits |
| HSBC Premier Mastercard (HSBC) | S$65,000 | S$708.50 (Without Premier Status) | Conditional on Premier Status | Varies |
Questions about Lounge Access
Here are direct answers to the most common questions about how to use your credit card with lounge access Singapore. Let’s go!
1. What is Priority Pass and how do I know my access balance? (Credit card with lounge access Singapore)
Priority Pass is the largest independent lounge access program.
The exact number of free accesses is determined by your specific card.
To check the balance and validity, you should consult your Priority Pass account or contact the issuing bank’s customer service center.
2. Can I bring a guest to the lounge and what is the cost?
On most intermediate-level cards, free visits are for the Primary Cardholder only.
If you bring a guest or exceed your personal limit of free visits, the standard cost applied is typically US$35 per person, per visit.
Priority Banking cards (such as the SC Priority Banking Visa Infinite) are the exception, including 1 guest per free visit.
3. Is Priority Pass lounge access guaranteed at any airport?
Although the network is vast, access is not 100% guaranteed.
This is because partner lounges may impose capacity restrictions during peak hours or temporary closures.
In addition, it is recommended that customers always carry the physical Priority Pass card, as not all lounges accept the digital card.
Conclusion (Credit card with lounge access Singapore)
Finding the ideal credit card with lounge access Singapore comes down to balancing lounge usage frequency with your daily spending habits and income.
Entry-level cards like the UOB PRVI Miles World Mastercard and the Standard Chartered Journey Credit Card offer 2 to 4 accesses per year. Being the best option for the occasional traveler looking for an accessible entry point.
The SC Priority Banking Visa Infinite is the right choice for the high-frequency traveler, offering up to 24 accesses. This is provided you maintain the necessary premium banking relationship.
With this clear analysis of benefits, costs, and requirements. The next step is to review your own travel and spending patterns. And choose the card that best fits your reality.