Best Credit Cards for Airport Lounges in Hong Kong 2022

High income is not necessarily a prerequisite for free access to airport lounges. Eligible cardholders can enjoy complimentary access with friends and families. Choose the ones that suit you the most.

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Plaza Premium Lounges

Free travel insurance and airport lounges access
Free travel insurance and airport lounges access

Citi PremierMiles Card

Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
$3 = 1 Mile
Miles Conversion (local spend)
$8 = 1 Mile
With Citi PremierMiles Card, cardholders can enjoy 12 times of complimentary access to selected Plaza Premium Lounges per year in 12 cities worldwide, including Hong Kong, Taiwan, Singapore and London. Cardholders can enjoy HK$200 entrance fee waiver for spending HK$5,000 within 30 days from the date of lounge visit.
Complimentary 4th night free at any hotel
Complimentary 4th night free at any hotel

Citi Prestige Card

Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 Mile
Miles Conversion (local spend)
$6 = 1 Mile

Citi Prestige cardholders can enjoy unlimited free entry to over one thousand Mastercard Airport Experiences provided by LoungeKey ("MCAE") in more than 500 airports worldwide.

5x Points on contactless transactions
5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Miles Conversion (overseas spend)
$15 = 1 Mile
Miles Conversion (local spend)
$3 = 1 Mile

Citi Rewards Cardholders can enjoy Plaza Premium Lounge for 2 hours for HK$250.

Bank Promo
No expiry date for Membership Rewards points
Bank Promo
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Miles Conversion (selected online spending)
$3 = 1 mile
Cash back on foreign currencies spending
$4 = 1 mile
Bank Promo:
Choose Your Explorer!
Offer A) Apply successfully via MoneySmart and upon successful spending in the first 3 months, you can enjoy limited-edition ANSON KONG X EXPLORER Hat Gift Box Set ! Up to HK$4,700 Welcome Offer & first-year annual fee waiver!
OR

Offer B) Apply for the American Express Explorer Credit Card and get rewards up to HK$4900 and first-year annual fee waiver!
Valid until 31 Dec 2022
Enjoy an array of travel benefits e.g free travel insurance and free access to Plaza Premium lounge.

Centurion Lounge

Enhanced Welcome Offer
Enhanced Welcome Offer

The Platinum Card

MoneySmart Exclusive Offer
Up to HK$1,000
Miles Conversion (local spend)
HK$7.5=1 Mile
Discount at designated restaurants
50%
Those who hold the Platinum card can enjoy unlimited access to the Centurion Lounge with up to 2 family and friends. In addition to unlimited access to the Centurion Lounge, holders of the Platinum card also get a free membership for Priority Pass, which offers free access to 1000+ Priority Pass lounges worldwide.

LoungeKey ("MCAE")

Complimentary 4th night free at any hotel
Complimentary 4th night free at any hotel

Citi Prestige Card

Minimum Income Requirements
HK$600,000
Miles Conversion (overseas spend)
$4 = 1 Mile
Miles Conversion (local spend)
$6 = 1 Mile
Citi Prestige cardholders can enjoy unlimited free entry to over one thousand Mastercard Airport Experiences provided by LoungeKey ("MCAE") in more than 500 airports worldwide.

Things you need to know about airport lounges

Companion charge

You may be able to bring a companion to the lounge subject to charge/spending requirements. It is best to check with the credit card issuer before making the lounge visit.

Restrictions on number of visits

In general, high-end cards offer more services and fewer restrictions on the number of lounge visits. It is the opposite of credit cards with lower income requirements. Cardholders can confirm with the card issuer before travelling.

Appointments

Some credit cards require cardholders to make appointments either on the internet or by phone before accessing the lounge while the others require holders to present cards/documents such as receipts, credit card and boarding pass, etc in order to enter the lounge.

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Frequently Asked Questions about Airport Lounges

How to book access to Plaza Premium Lounge?

Since a number of credit cards offer access to Plaza Premium Lounge, the lounge can be overcrowded sometimes. Some credit card issuers require cardholders to meet a minimum spending requirement and book access before they can use the lounge. It is better to check the latest requirements before making the visit.

Can I bring a companion to the lounge?

Some high-end credit cards allow companions to the lounge but cardholders are usually required to pay. It is recommended to check with your card issuer before travelling.

Is there any restriction on the lounges a card can access?

Yes. Some restrict the countries and the types of lounges you can visit. In general, high-end cards cover more countries and lounges while credit cards with lower income requirements have more restrictions. It is best to check with your card issuer before making the plan.