Credit Cards with Lounge Access - Qantas, Virgin & more

1 - 11 of 44

Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	This card's bonus points offer is one of the highest on the market. Plus you can earn up to 2 Qantas Points per $1 spent and get 2 airport lounge invitations per year.
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $349 first year ($399 after)	Go to site More Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Bonus points 50,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Go to site More Info Compare	Get a yearly $450 Travel Credit and 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months.
Westpac Altitude Qantas Black Qantas Frequent Flyer	Bonus points 120,000	Points per $ spent 0.75	Purchase rate p.a. 20.99%	Annual fee $370	Go to site More Info Compare	Up to 120,000 bonus Qantas Points (90,000 points in year 1 when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 130,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to site More Info Compare	(ABN holders w/ $75k revenue). Earn 130,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
Westpac Altitude Rewards Black Westpac Altitude Rewards	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 20.99%	Annual fee $200 first year ($295 after)	Go to site More Info Compare	Earn up to 150,000 bonus Altitude Rewards Points (100,000 points in year 1 when you spend $6,000 in the first 120 days and 50,000 in year 2).
American Express Explorer Credit Card Membership Rewards	Bonus points 50,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $395	Go to site More Info Compare	Get 50,000 Membership Rewards Bonus Points and spend $4,000 on eligible purchases in the first 3 months.
St.George Amplify Signature Amplify Rewards	Bonus points 150,000	Points per $ spent 1.5	Purchase rate p.a. 20.99%	Annual fee $199 first year ($295 after)	Go to site More Info Compare	150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
Qantas Premier Titanium Qantas Frequent Flyer	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 20.99%	Annual fee $1,200	Go to site More Info Compare	Get 150,000 bonus Qantas Points when you spend $5,000 in the first 3 months. Plus, 20% bonus Status Credits on eligible flights, with a $200k minimum income requirement.
American Express Platinum Card Membership Rewards Ascent Premium	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Go to site More Info Compare	Earn 150,000 Membership Rewards Bonus Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Velocity Business Card Velocity Frequent Flyer	Bonus points 120,000	Points per $ spent 1	Purchase rate p.a. 0%	Annual fee $249	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 120,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
American Express Platinum Business Card Finder Award Membership Rewards Ascent Premium	Bonus points 250,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $875 first year ($1,750 after)	Go to site More Info Compare	ABN holders w/ $75,000 revenue. Get 250,000 Membership Rewards Bonus Points when you spend $12,000 on eligible purchases in the first 3 months. Plus, a first-year annual fee discount.

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What credit cards offer free lounge access?

Many premium frequent flyer and rewards credit cards offer you access to airport lounges, even if you're not flying in business class. This gives you a way to avoid crowds in the main terminal areas and relax with complimentary drinks, food, work spaces and other perks.

Most cards with lounge passes offer complimentary 2 lounge invitations a year. But some offer as many as 4.

Finder's best credit cards with lounge access for 2024

These credit cards were the top performing frequent flyer credit cards with lounge access at the 2024 Finder Credit Card Awards.

ANZ Frequent Flyer Black. Winner of the Best Qantas Points card in 2024, this card also offers 2 complimentary Qantas Club Lounge invitations per year.
Virgin Australia Velocity High Flyer. Winner of the Best Velocity Card, this one comes with 2 complimentary Virgin Australia domestic lounge passes per year.
Qantas Premier Platinum. This card also offers 2 single-entry lounge invitations each year, which can be used at domestic Qantas Club lounges or Qantas-operated International Business Lounges.
Westpac Altitude Velocity Black. You can get two complimentary single-entry Virgin Australia domestic airport lounge invitations when you make a direct spend with Virgin Australia each year.

"What’s better than a beer at the airport before you head off on holiday? A free beer at the airport! With the Amex Velocity Platinum credit card, you get 4 lounge pass entries to use throughout the year. You can decide who offers the best snacks from Virgin Australia or Centurion, because you’ll have 2 passes for each. This is one of my favourite perks of the credit card. "

Madeleine G

Finder crew member

How to get free airport lounge access with a credit card

Usually, you need to meet a few requirements to get airport lounge access through your credit card.

Spending requirement. For example, Qantas Club lounge invitations may be offered after you make a Qantas purchase with an eligible credit card.
Invitation requests. With some credit cards, you need to request the lounge invitations through your account or by contacting the credit card company.
Program enrolment. If you get a credit card with airport lounge access through Priority Pass or another lounge service, you'll typically need to enrol in that program to access lounges.
Valid ticket. You may need to show your ticket for a flight departing on the same day and from the same airport terminal as the lounge you want to visit.
Dress code. Some lounges have their own dress codes (Qantas lounges require smart casual dress, for example).

VIDEO: How your credit card can give you access to airport lounges

Some credit cards offer lounge access for a fee

Some credit cards that offer complimentary airport lounge passes also give you membership to a travel or airport lounge program. This includes Priority Pass, LoungeKey or Mastercard Travel Pass provided by DragonPass.

Membership to these programs gives you a way to visit participating lounges, or get other airport benefits, for a fee.

How use your lounge pass when you're at the airport

Go to the participating lounge.
Present your credit card or single-use lounge passes.
Show your boarding pass to confirm your travel.
Pay any required fees (if entry is not complimentary or you have additional guests).

What if I'm travelling with family or friends?

If your credit card gives you single-use lounge passes, you could give them one pass and use the other for yourself. Or, if you have access through a program like LoungeKey, let the lounge staff know you're travelling with someone.

Depending on your access and the lounge, they could give your guest entry for free or for a fee. It does depend on the type of lounge access you have, so check the fine print for your card or contact the provider for exact details.

Should I get a credit card with lounge access?

Pros

Calm and convenient space. An airport lounge gives you a way to avoid crowds in the main waiting areas. Most lounges also include comfortable chairs, dining areas and work stations. And some even offer showers.
Refreshments and meals. You can get free drinks and food while you're waiting for your flight, as well as entertainment such as Wi-Fi, TV or magazines.
Other benefits. Most credit cards with lounge access also offer rewards programs and other benefits such as complimentary insurance.

Cons

Restrictions. Depending on the card, you may be limited to visiting specific lounges. For example, domestic lounges or only international lounges that are part of a particular network.
Card fees. Credit cards that offer lounge access typically have higher annual fees than more basic cards.
Lounge requirements. Lounges have their own dress codes and policies for guests, including additional guests or children. They also have guest capacity limits, which could mean you're not able to visit a lounge if it's already full.

The bottom line: If you fly often, want to earn points on your spending and can afford a fancier frequent flyer credit card then lounge access is a great perk. But this kind of card is not for everyone.

Promoted

Qantas American Express Ultimate Card

50,000 bonus Qantas Points when you apply as a new card member by 14 January 2025 and meet the spend requirement. Plus $450 Annual Qantas Travel Credit.

Go to site

How to compare credit cards with free airport lounge passes

As well as looking at the type of lounge access you'll get, make sure you compare the card's other features and costs, 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, can justify this cost.
Interest rates. These credit cards typically have higher interest rates, making them more expensive if you don't pay off the total balance each month.
Rewards and frequent flyer programs. Many of the credit cards with airport lounge access also offer reward or frequent flyer points per $1 on eligible spending. Check how many points you can earn, what you can redeem them for and any sign-up bonus offers. Sometimes you could get enough points to fly overseas.
Other features. Look for other features that are important to you. For example, complimentary travel insurance, no foreign transaction fees or an introductory offer. These features can add value, but only if you use them.

When looking for a credit card, make sure you look at everything the card offers and not just lounge access. If this is a benefit you'll use, that's great. But you should make sure the card has perks and features you really need and that the benefits outweigh the fees.

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.

Centurion Lounges

amex lounge
A range of American Express cards offer access to The Centurion Lounges at Sydney and Melbourne international airports, including the American Express Explorer, Qantas American Express Ultimate and American Express Velocity Platinum.

These lounges have a mix of seating – including lounge chairs and bar seats – as well as food, drinks, Wi-Fi and charging points.

Amex lounge access at international airports

American Express has a network of international lounges, as well as partnerships with other lounge networks around the world – including Priority Pass and Plaza Premium. You can get access to this network of over 1,500 airport lounges if you have an American Express Platinum Card, Amex Platinum Business Card or an invitation-only American Express Centurion.

LoungeKey Lounges

A seating area at the Plaza Premium lounge at Melbourne International Airport.

LoungeKey is an airport lounge program offered by credit card providers. If you have an eligible credit card, you'll get access to over 1,500 lounges at airports around the world, regardless of which airline you're flying with or the fare class. As the lounges are independently operated, features do vary but typically include food and drink, seating areas and bathroom facilities.

Credit cards that offer LoungeKey membership in Australia include the HSBC Platinum and Bankwest More World Mastercard. It has also partnered with Mastercard to offer Mastercard Airport Experiences on eligible credit cards.

LoungeKey credit cards and airport lounge program

Priority Pass Lounges

Europort Skyview Lounge

Priority Pass is a membership-based service that gives you access to more than 1,500 lounges and airport experiences 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 offer Priority Pass access and/or membership include the Citi Prestige 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$469 per year.

Qantas Club Lounges

Qantas Lounge

Qantas Club lounges are designed for domestic travellers and offer perks including barista coffee in the morning, bar service in the afternoon and evening, other refreshments and meals, Wi-Fi, family areas and more, although some features vary depending on which lounge you visit.

Several credit cards provide complimentary access to the Qantas Club or Qantas Lounge invitations when you're booked on an eligible flight, including the ANZ Frequent Flyer Black, the Qantas American Express Premium and the Westpac Altitude Qantas Black card.

Virgin Australia Lounges (domestic)

Virgin Australia Lounge
Virgin Australia has domestic airport lounges in Adelaide, Brisbane, Canberra, Gold Coast, Melbourne, Perth and Sydney. Each lounge offers different seating areas 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 Velocity Platinum and the Virgin Australia Velocity High Flyer.

Compare Virgin Australia Velocity credit card features and benefits

Frequently asked questions about airport lounge access

This depends on the credit card, as usually the lounge access is offered through an airline partnership or lounge network. For example, if your card offered Qantas Club lounge passes, you could use them at over 30 lounges around Australia, while Priority Pass membership would give you access to over 1,500 airport lounges and experiences around the world.
Airport lounge passes typically offer you 2 single visits to a lounge, which you can use separately or when travelling with someone. Airport lounge access typically refers to ongoing lounge access through a membership with Priority Pass, LoungeKey or another program.
It's worth noting that the term "lounge access" could also technically refer to any type of lounge visit.
Some credit cards include complimentary airport lounge access for at least one additional cardholder, such as the American Express Platinum Card. But not all credit cards do. You can check your card's terms and conditions, or call the provider to confirm whether or not an additional cardholder can access airport lounges when they travel.
If you're not travelling with a family member, they won't typically be able to use your credit card to visit a lounge. But you can sometimes transfer complimentary lounge passes to them.
If you are travelling with a family member, you could get lounge access for both of you with a credit card that offers 2 single-use lounge passes or unlimited lounge visits. It depends on the lounge access and the actual lounge you want to visit, and fees may apply.
One of the easiest ways to check if your credit card offers airport lounge access is to look at the card details on the bank's website or a review page. Usually, lounge access will be listed as one of the key benefits. You could also check the card's terms and conditions or contact the bank or provider to find out if airport lounge access is offered.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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Amy has written 564 Finder guides across topics including:

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26 Responses

CTApril 23, 2019

Have a black credit card and according to some lists, I have access to various lounges. I have been to several of these lounges in countries like NZ, India, Bahrain and Singapore where this card is listed as accepted. In each case, the people in the lounge check their own list, and this black card is not on it. So far it has not been accepted in any country I have visited. How can it be listed but then not accepted. I think it is false advertising for the banks to say one can gain entry to lounges with this card when it is not so. Who actually checks these lists?

Finder

MaiApril 24, 2019Finder

Hi CT,

Thank you for contacting Finder.

Each credit card provider has different terms and conditions as well as lounge accessibility. There are different black card listed on this site and the policy and lounge list may differ from one provider/bank to another.

I feel sorry that you see that your card can access a specific lounge but as you arrive at your destination country, you cannot enter. I suggest that you check your card’s lounge access terms and conditions to check or maybe try to contact your credit card provider to raise it. They may have a way on how to fix this from their end to ensure that you know what lounge you can access for using your black card.

Hope this helps! 😊

Kind Regards,
Mai

PatrickFebruary 4, 2019

I have an ANZ Platinum QANTAS FF card. The new customer ANZ offers of bonus points are not available to me. What is the best CC offer currently available to me to maximise
Points and other benefits?

AshFebruary 9, 2019

Hi Patrick,

Thank you for contacting Finder.

You may compare a range of Qantas Frequent Flyer Credit Cards where you can earn up to 100,000 bonus points. To receive the bonus points, you must meet the eligibility requirements and spend. Kindly click on the name of the credit card on the table to see the complete criteria for the card itself and the bonus points as well. When you are ready, press the ‘Go to site’ button to apply.

I hope this helps.

Please do not hesitate to reach out again to us if you have additional questions.

Cheers,
Ash

KenOctober 16, 2018

I have a Jetstar platinum card, does this cover travel insurance when trips booked on the card? Specifically, does it cover rental car excess in case of an accident?

Finder

JhezelynOctober 16, 2018Finder

Hello Ken,

Thank you for your comment.

To be eligible for the complimentary insurance benefits, you must first purchase and pay for the full amount of a Trip using the Jetstar Platinum MasterCard Credit Card Account. Yes, it will cover you if you become legally liable to pay any Collision Excess in respect of loss or damage to a Hire Car during the rental period stipulated in the Vehicle Rental Agreement. They will reimburse you any Collision Excess that you have paid under that Vehicle Rental Agreement(s) up to $5,000. This is with a condition, so it’s best to check the Jetstar Platinum MasterCard Credit Card Insurance PDF found on their website.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

Regards,
Jhezelyn

WinsSeptember 12, 2018

Currently I have a Westpac Altitude Black Reward card. I am the primary card holder and my wife is having the supplementary card . Will she get the complementary Priority Pass membership ?

Finder

JoshuaSeptember 12, 2018Finder

Hi Wins,

Thanks for getting in touch with finder. I hope all is well with you. :)

Upon checking, the two complimentary airport lounge visits can only be used by the primary cardholder. If you’re travelling with your wife,
she can join you in the lounge by paying a fee which is US$27 (at the time of this writing). This will be charged directly to your card.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,
Joshua

GopalakrishnanJuly 1, 2018

Can I use my SBI debit card to access the air port lounge at Kuala Lumpur lon my way to Chennai India?

NikkiJuly 3, 2018

Hi Gopalakrishnan,

Thanks for contacting finder.

Unfortunately, your SBI debit card doesn’t have access to the KLIA airport.

Hope this clarifies!

Cheers,
Nikki

Credit cards with lounge access — relax before you fly