Enjoy access to airport lounges around the world for free with your credit card.
Here, you can compare and apply for credit cards that offer complimentary airport lounge entry. You can also look at the common requirements you need to meet to get airport lounge access with your card, discover popular lounges and consider the pros and cons so you can find the right card for your needs.
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Compare credit cards with free airport lounge access
Top 5* credit cards with free airport lounge access
Compare the airline lounge options and annual fees offered on these five, premium credit cards.
- ANZ Frequent Flyer Black Credit Card – Offers you two complimentary Qantas Club Lounge invitations every year and unlimited access to Véloce airport lounges worldwide, with an annual fee of $425 p.a.
- American Express Qantas Ultimate Card – This card offers two Qantas Club Lounge invitations annually (after your first eligible spend) and two entries to the American Express Lounge at Sydney and Melbourne airports each year, with a $450 annual fee.
- Citi Qantas Signature Credit Card – Enjoy a Priority Pass membership with two complimentary lounge visits per year to over 950 lounges worldwide. This card's annual fee is $248 in the first year ($444 p.a. thereafter).
- American Express Explorer Credit Card – This card offers two complimentary passes to the American Express Lounge in Sydney or Melbourne each year and has a $395 p.a. annual fee.
- Westpac Altitude Black – This card includes two complimentary Priority Pass lounge passes each year and a $250 p.a. annual fee.
How do credit cards with free airport lounge access work?
Most cards that offer complimentary airport lounge access give you a limited number of single-use passes you can use each year you have the card. There are also a few cards that provide lounge access on an ongoing basis through programs such as LoungeKey or Véloce.
Depending on the card and the type of airport lounge access available, you may be able to invite a guest or get access for a supplementary cardholder. In most cases, you also need to meet a set of requirements to enjoy airport lounge access through your credit card, such as spending a certain amount, keeping your account in good standing or requesting the passes directly through your card provider.
How can I get airport lounge access with a credit card?
The first step is to make sure you meet the eligibility requirements for this credit card perk. While these can vary based on the provider and the airport lounge, some of the most common conditions include:
- Spending requirement. You may need to make an eligible purchase or spend a specific amount of money on your credit card each year to be eligible for complimentary airport lounge passes. For example, the ANZ Rewards Travel Adventures card offers two complimentary Virgin Australia domestic airport lounge passes when you use it to spend $500 on eligible purchases in the first 3 months.
- Invitation requests. With some credit cards, you may need to contact the bank or provider and request the lounge invitations before they are issued in your name. The invitations will then be emailed or posted to you once you have met this requirement, and any other conditions that may apply to your card.
- Program enrolment. Credit cards that offer airport lounge access through a member-based service such as Priority Pass may require you to enrol in that program to receive your complimentary passes or access.
- Valid ticket. Most airport lounges require all guests to have a valid ticket for a flight departing that day.
- Dress code. Lounges often have dress code requirements, such as smart casual dress and no shorts.
How do I use my card to get lounge access at the airport?
Once you have met the requirements listed by your credit card, you'll be able to access eligible airport lounges by either presenting your invitations or showing your credit card to lounge staff, along with a valid boarding pass. If you want to bring a guest or family members into the lounge, the staff will then advise you of any charges that may apply for your companion/s.
How to compare credit cards with free airport lounge passes
To get the most value from your credit card with free airport lounge access, you will need to compare the features of each option including:
- Annual fee. Credit cards with complimentary lounge passes are usually platinum or frequent flyer cards with high annual fees. Depending on the card, these can cost hundreds or sometimes thousands of dollars per year. Make sure the extra features including the lounge passes, frequent flyer program and complimentary insurance can help justify this cost. You may get lucky and find one that waives the fee for the first year, which could make it more enticing to sign up.
- Rates. Depending on the way you plan to use the credit card, interest rates will make a big difference in the card's value. The purchase rate, cash advance rate and balance transfer rate may all differ in one card, so you will need a good idea of how you plan to use it before you start making comparisons. For example, if you are using it to earn points towards flights but don’t plan on carrying a balance, look for low purchase rates with extended interest-free days.
- The number of lounges you can access. This feature is dependent on the airline and network that the card is working with. A Qantas cardholder for example will have access to close to 20 VIP lounges in Australia, while Rex Lounge and Virgin Lounge have three and six respectively. A priority pass membership allows access to approximately 600 airport lounges, and could be the best choice for travellers who always go with the airline that has the lowest price.
- The rewards program or airline provider. Many of the credit cards with airport lounge access are a part of a rewards program that could be tied with a specific airline. If you favour one airline over another, this is definitely worth considering. Another thing to look for is whether or not your exclusive lounge access is contingent on the number of points you have earned.
- Lounge perks. Airport lounges use various perks to please their first class passengers and frequent flyers. This could be as elaborate as massage tables in a garden-like setting like in the Qantas First Lounge in Sydney, or Wi-Fi access, showers and free wine available in Virgin Airline Lounges. The credit card you choose will determine the perks you are entitled to when waiting on flights.
- Other benefits. See what else the card is offering outside of the complimentary access to airport lounges. You could find some that have money-saving balance transfer offers if you are carrying a lot of debt, or bonus rewards points if you are trying for free tickets on your next holiday.
What types of airport lounges can I access with a credit card?
The design and features of airport lounges vary depending on the company or airlines that operate them. But if you've never set foot in a lounge and want to know what they offer, here are some of the locations you could gain access to with an eligible credit card:
Virgin Australia Lounges (domestic)
Virgin Australia has 10 domestic airport lounges in locations including Adelaide, Brisbane, Canberra, Darwin, Melbourne, Perth and Sydney. Each lounge offers unique design elements and services, with popular features including complimentary Wi-Fi, meeting rooms and complimentary food and beverages. Credit cards that offer complimentary access include the American Express Platinum, the American Express Velocity Platinum, the ANZ Rewards Travel Adventures and the Virgin Australia Velocity High Flyer. You can also enjoy complimentary access as a Velocity Gold or Platinum member, a business class guest or for a fee of $65 when you have a valid Virgin Australia fare. Note specific lounge terms and conditions apply.
Priority Pass Lounges
Priority Pass is a subscription-based service that provides members with access to over 800 lounges around the world. Depending on the level of membership, you can get unlimited access at no extra cost, a fixed number of free passes per year, or entry for a reduced fee. Credit cards that provide Priority Pass access and/or membership include the Citi Prestige, the Citi Rewards Signature Credit Card, the St.George Amplify Signature and the Westpac Altitude Black. You can also pay for a membership, with fees ranging from US$99 per year to US$399 per year.
Qantas Club Lounge at Sydney Airport
This premium Qantas Lounge at Sydney Airport has a reputation as one of the top lounges in the world. It includes sweeping views of Sydney Airport, a premium restaurant, spa treatments and complimentary business and leisure services. Several credit cards provide complimentary access to the Qantas Lounge when you're booked on an eligible flight, including the ANZ Frequent Flyer Black, the Qantas American Express Premium and the Westpac Altitude Black (when you choose Altitude Qantas Rewards). You can also enjoy complimentary Qantas Lounge access when you have an eligible first class or business class fare with Qantas, Jetstar (Business Max only), if you're a Qantas Frequent Flyer Gold, Platinum or Platinum One member, a Qantas Club member, or have matching status with a partner airline program including Emirates Skywards and oneworld alliance.
American Express Lounges (domestic)
Many high-tier American Express credit cards come with complimentary passes to the American Express lounges. There are currently two Amex lounges, located at the Terminal 1 departures at Sydney International Airport and T2 international terminal at Melbourne Airport. When you visit an American Express lounge, you can treat yourself to complimentary dining and snacks which often includes buffet breakfast, lunch and dinner. You can also order soft drink, cocktails, wine, beer and barista-made coffee from the bar. Both of the lounges are well equipped with individual seats, lounges and bench-style tables. However, adequate seating may be harder to find if you're travelling with family or several colleagues. Whether you need to do some work or just want to scroll through your feed, you can look forward to complimentary high-speed Wi-Fi and device charging points in both lounges.Back to top
What are the pros and cons of a credit card with airport lounge access?
- A relaxed environment. An exclusive airport lounge takes you out of the chaos that is typically found in an airport waiting area.
- Refreshments and meals. Enjoy free drinks and snacks while waiting to be called for your flight, as well as meals and buffet options (depending on your flight time).
- Convenience. With cozy chairs, tables and work stations, you can spend your time wisely by taking advantage of free Wi-Fi to catch up on work, or your social media status.
- Other benefits. Since the majority of these cards are part of a rewards program, using them will earn you points that can later be redeemed for airfare, merchandise and more.
- Restrictions. In some cases, you might be restricted to which amenities are available to you inside the airport lounge.
- Card fees. As a result of the benefits and perks that come with these cards, you will find that the annual fees are higher than with regular credit cards.
- Accessibility. With some of these cards, you will find that the lounge you have free access to is not available at certain airports.
- Limitations. Complimentary passes are usually offered in pairs. If you are travelling with a large group, you might find that not everyone will be able to wait with you inside the lounge.
Airport lounge access is just one feature you'll get on a credit card. So, as well as looking at the type of lounge access you'll get, make sure you compare the card's other features and costs to decide if it's worth it for you.