Credit cards with airport lounge access

Compare credit cards that give cardholders complimentary entry passes into airport airline lounges in Australia and overseas.

Yvonne Taylor avatar
Written by   |  
David Boyd avatar
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Updated 23 Apr 2025   |   Rates updated regularly

Comparing of 25 credit cards with airport lounge access

Westpac Altitude Black Credit Card (Altitude)

Not available for application via this website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

45 days

Annual fee

$200.00 for 1st year

Highlights

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Bank of Melbourne Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
St.George Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Bank of Melbourne Amplify Signature Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Signature Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$295.00 p.a. ongoing

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
BankSA Amplify Signature Credit Card (Amplify)

Not available for application via this website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
American Express Platinum Business Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

55 days

Annual fee

$875.00 for 1st year

Highlights

  • Get 250,000 bonus Membership Rewards points by applying before 27 May 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 250,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.

Cons

  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Qantas Business Rewards Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

51 days

Annual fee

$225.00 for 1st year

Highlights

  • Get 150,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 1 July 2025, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.

Pros

  • Earn 150,000 bonus Qantas Points when you meet the criteria.
  • Pay $225 for the first year (usually $450 p.a.), giving you a solid upfront saving.
  • Includes Complimentary Travel Insurance with coverage for Medical Emergency Expenses, Business Trip Completion, Trip Cancellation and Amendment, and Personal Liability.
  • Two complimentary passes for the Qantas Club lounge every year.
  • Complimentary Qantas Business Rewards membership. Earn Qantas Points for your business with American Express and other partners while saving up to 10% on eligible Qantas flights.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.

Cons

  • The $450 p.a. annual fee after the initial year.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Business Explorer Credit Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive complimentary travel insurance when you book your return flight with your card.

Pros

  • Earn up to 2 points per $1 spent on eligible purchases.
  • Earn 1 point per $1 spend on ATO and government transactions.
  • Use your points to pay off transactions, utilities, annual fee and more.
  • Redeem your rewards for flights, hotel reservations, or car rentals.
  • Transfer points to Virgin Australia, Air New Zealand and Hilton Honors.
  • Shop with your points at Apple, Ikea, JB Hi-Fi and more.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.
  • With the Amex App, you can Monitor business spend and activity 24x7.
  • Manage your account anytime and anywhere with Live Chat Service

Cons

  • There is an annual fee of $149.
  • A 3% foreign transaction fee is in effect.
  • There is no balance transfer offer.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Velocity Business Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

51 days

Annual fee

$249.00 p.a. ongoing

Highlights

  • Earn up to 200,000 bonus Velocity Points. Get 170,000 Bonus Velocity Points when you apply online, are approved, and spend at least $5,000 within 2 months of approval. Plus, earn 30,000 bonus Velocity Points when you activate your offer on VelocityFrequentFlyer.com. The offer is valid for New American Express Card Members exclusively.
  • Earn 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Get 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros

  • Receive up to 200,000 bonus Velocity Points when you meet the criteria.
  • A charge card that has no pre-set spending limit.
  • You have up to 51 days to pay for purchases.
  • Add up to 99 employee cards.
  • Use your points to pay off transactions, utilities, annual fees, etc.
  • Redeem your Velocity Points to upgrade flights, book hotel reservations, and car rentals.
  • There is no limit to the amount of points you can earn.
  • Set up monthly points transfer to your Velocity account.
  • Option to pay off a portion of your balance.
  • With the Amex App, you can monitor business spending and activity 24x7.

Cons

  • The annual fee of $249 p.a.
  • Each employee card costs $99 p.a.
Cape Mastercard Interest-Free Days Business Credit Card

On website

Cape Mastercard Interest-Free Days Business Credit Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Interest-free days

30 days

Annual fee

From $383.88 p.a. ongoing

Highlights

With a 0% interest rate, this credit card is a practical option for businesses handling monthly expenses. No foreign transaction fees mean international purchases won’t cost extra. The first month is fee-free, giving you time to settle in. Credit limits go up to $500,000, offering plenty of flexibility. Just keep in mind that the balance must be paid in full each month. A solid choice for businesses needing spending power without interest charges.


Pros

  • Fast application process with approval in just 2 hours.
  • Add unlimited cardholders at no extra cost with the Scale plan.
  • Seamlessly integrate with Xero for streamlined accounting.
  • Enjoy complimentary access to airport lounges worldwide.

Cons

  • Enjoy 30 days APR-free; thereafter, a standard 2.99% fee applies to revolving balances.
HSBC Star Alliance Credit Card

Not available for application via this website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • Earn 1 Star Alliance Point per $1 on eligible purchases (capped at $3,000 per statement period), then 0.5 points per $1 thereafter.
  • Pay no annual fee in the first year ($499 p.a. thereafter).
  • Reach Star Alliance Gold Status by spending $4,000 or more on eligible purchases within the first 90 days of account opening.
  • Gold Status grants you benefits like Priority Airport Check-in, Priority Baggage Handling, Priority Boarding, Airport Lounge Access, Extra Baggage Allowance, and more.

Pros

  • 0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
  • Offers 0% interest for 6 months on flight bookings.
  • Use or convert your Star Alliance points with major frequent flyer programs from participating airlines.
  • Includes complimentary travel insurance with Rental Vehicle Excess Insurance in Australia and Transit Accident Insurance.
  • Plus Extended Warranty and Purchase Protection insurance.
  • Get a free Frequent Values™ membership, which gives you access to 4,500 promos at select stores, restaurants, hotels, and family attractions.
  • Enrol family members as additional cardholders at no extra cost.
  • Up to 55 interest-free days.
  • This card is compatible with Apple Pay and Google Pay.
  • Take control of your card with the HSBC Australia app.

Cons

  • The $3,000 monthly spend threshold can feel restrictive, even though there’s no cap on earning potential.
  • The annual fee reverts to $499 after the initial year.
  • To maintain Gold member status after the first year, you’ll need to spend at least $60,000 annually. This can be ideal for frequent travelers and high spenders.
  • A 3% foreign transaction fee applies to purchases made overseas.
Bankwest More World Mastercard

Not available for application via this website

Bankwest More World Mastercard

Balance transfer

6 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$270.00 p.a. ongoing

Highlights

  • Earn 2.5 points per $1 on eligible purchases.
  • With no foreign transaction fees, this card is a great choice for online and overseas purchases.
  • Take advantage of the 10 LoungeKey airport lounge passes per year at over 1,300 airport lounges worldwide,
  • Plus, this card comes with complimentary overseas travel insurance.

Pros

  • No cap on rewards earned annually.
  • 0% p.a. on balance transfers for 6 months with a 1% fee, then reverts to 19.99% p.a. after.
  • Get up to 3 additional cards at no extra cost.
  • Up to 44 interest-free days on purchases.
  • Credit limit starts at $12,000.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.

Cons

  • No sign-up bonus when you apply for this card.
  • There is a 1% BT fee.
  • The annual fee of $270 p.a.
HSBC Platinum Credit Card

Not available for application via this website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. balance transfer offer for 12 months, with a 2% transfer fee.
  • No annual fee for the first year, then $199 p.a. after that.
  • Earn 1.5 Reward Plus points per $1 spent on eligible purchases.
  • Redeem your points into cashback or various e-gift cards from Bunnings, Coles, Woolworths, Amazon, JB Hi-Fi, Uber, and more.

Pros

  • The complimentary LoungeKey membership gives you access to 2 airport lounge passes every year.
  • Check out the exclusive dining and shopping discounts from time to time.
  • Includes complimentary travel insurance with Rental Vehicle Excess Insurance in Australia and Transit Accident Insurance.
  • Plus Extended Warranty and Purchase Protection insurance.
  • Additional cardholders at no extra cost.
  • Offers points transfer options with partners like Asia Miles, KrisFlyer, and Velocity Frequent Flyer.
  • Get a minimum credit limit of $6,000.
  • This card accepts Apple Pay and Google Pay.

Cons

  • High overseas transaction fee at 3%.
  • The balance transfer rate reverts to 21.99% p.a. after 12 months.
  • A cap of 10,000 points per statement period, or 120,000 points annually.
Qantas Premier Titanium Credit Card

Not available for application via this website

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$1,200.00 p.a. ongoing

Highlights

  • Get 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 3 months from card approval. Terms and Conditions apply.
  • Earn up to 1.25 Qantas Points per $1 on domestic purchases, up to $12,500 per statement period.
  • Includes 2 Qantas First Lounge invitations, plus 2 additional Lounge Invitations per year for a premium airport experience.
  • Get a 10% discount on the base fare of eligible Qantas flights for up to 2 adults, 2 children, and 2 infants per booking, twice per anniversary year.
  • Get a 20% bonus Status Credit on eligible flights.

Pros

  • It offers a very substantial sign-up bonus with a reasonable spending target.
  • Receive 2 points per $1 spent on International transactions.
  • Receive 2 additional Qantas Points per $1 spent on Qantas flights.
  • Comes with complimentary domestic and international travel insurance.
  • Get help from a dedicated concierge for travel tips, shopping info, tickets to events, and more.
  • Includes a complimentary Qantas Wine Premium membership, offering access to curated wines, champagne, and spirits, along with the chance to earn extra Qantas points.
  • Own a sleek metal card that stands out from traditional plastic options.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The annual fee is higher, but with the included benefits, it could be worth the cost.
  • There’s a $100 fee for adding cardholders.
  • Earning points drop to 0.50 per $1 after spending $12,500 in a statement period
Qantas Premier Platinum Credit Card

Not available for application via this website

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$349.00 for 1st year

Highlights

  • Earn up to 90,000 bonus Qantas Points. Get 50,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 40,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
  • Get 0% interest on balance transfers for 6 months with a 2% fee, reverting to the cash advance rate afterward.
  • The annual fee is reduced to $349 for the first year, then increases to $399 p.a. thereafter.

Pros

  • Earn up to 90,000 bonus Qantas Points when you meet the criteria.
  • Earn 1.5 points per $1 on international transactions and 1 point on domestic spending.
  • An additional 1 point per whole $1 on selected Qantas products and services.
  • Comes with complimentary travel insurance (cover for Covid-19 included).
  • Get 2 complimentary lounge access every year.
  • Save up to 20% off each year on select Qantas and QantasLink flights within Australia when you book through Qantas Premier Concierge.
  • Compatible with Apple Pay and Google Pay.
  • Safeguard your identity with Mastercard ID Theft Protection™.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
  • Additional card fee costs $50 p.a.
  • There is a 2% balance transfer fee.

Airport lounge access is a travel perk available with many premium credit cards, giving you the ability to escape from the crowds in the main terminal area and relax before your flight.

Keep reading to find out more about how they work.

What type of facilities can I expect in an airport lounge?

Restricted-entry airport lounges range from basic to luxuriously opulent. At the lowest end of the scale, your ‘lounge’ may actually be a bar or café on the ordinary passenger concourse, offering a discount on food and beverages to members (or single-entry pass holders) of specific lounge programs. The most opulent lounges may offer luxuries such as spa treatments, five-star dining, and personal transport between the airline’s check-in desk, the lounge, and the boarding gate.

In most lounges you will find many of the following facilities:

  • Comfortable seating
  • TV and movies
  • Complimentary newspapers and magazines
  • Complimentary food and beverages
  • A dedicated working area, with desks, device charging points, free Wi-Fi, and access to a computer if you don’t have your own
  • A ‘quiet area’
  • Showers, with towels provided
  • A screen with flight boarding information

Can I take guests into the lounge with me?

If your credit card lounge access comes in the form of two single-visit passes annually, you can normally use the second pass for someone travelling with you. Or you may be able to pay a fee (usually between $35 and $65) for your guest’s entry.

If your card gives you full membership of a specific lounge program, you may be able to admit a guest free of charge, but this is not always the case. Check the terms and conditions found either in the small print at the foot of the credit card’s web page, or in the link to a file with full terms and conditions.

How much is complimentary airport lounge access worth?

It depends on the level of access your card gives you, the quality of the lounge, and how often you travel.

Qantas lounges are mainly designed for Qantas Club members ($399 to join plus $450 per year), passengers travelling in Qantas business or first class seats, and high-tier frequent flyers. All of these lounge access methods require high expenditure, and Qantas lounges are very well-appointed, so even two single-entry passes are quite valuable.

Virgin Australia, Priority Pass and Delta SkyClub have similar programs, with joining and annual membership fees granting unlimited access.

Access to Véloce World, American Express and Diners Club lounges is limited to holders of specific credit cards, but it’s possible to argue that the value obtained is similar to that of programs with a joining and annual membership fee. For frequent travellers, membership of any program with unlimited lounge access is probably worth at least $500 per year.

Based on lounge programs which sell single-visit passes for guests or for travellers on their own linked airline, two single-visit passes are probably worth a total of between $75 and $130 per year.

Will I find a lounge affiliated with my program at every airport?

Most lounge programs belong to a network of affiliated lounges, so you will probably gain access to at least one lounge (and sometimes more) at the world’s major airports. You may not be so lucky at lesser airports.

Qantas and Virgin lounge members will have lots of choice in Australia, and also find affiliated lounges overseas. In Australia, very few airports outside the state capitals have lounges.

Single-entry passes may have restrictions, such as being only available for domestic lounges, or only for international lounges, so be sure to read the small print.

Can I rollover my unused lounge passes into the following year?

No. Single-entry passes must be used within 12 months. In a year where you aren’t travelling, and can’t use the passes, you will forfeit the benefit.

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

Frequent air travellers are very likely to find it worthwhile to pay for a card granting unlimited lounge access in one or more programs, since it saves them the cost of joining a lounge program and paying an annual fee. It is also likely that the kind of premium card which confers full lounge membership will also have other valuable complimentary benefits, such as rewards points, travel insurance and free flights or travel credits, all of which also help to justify the high annual fee.

Infrequent travellers would probably struggle to justify the cost for this kind of premium card. Even a less expensive card – one giving two single-visit passes annually – may still not justify its cost in any year where you don’t use the lounge passes and travel insurance.

    As seen on

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