Best Credit Cards for Airport Lounges in Hong Kong 2020

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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Citi Credit Cards

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

Online Promo: Double welcome offer $1600 Wellcome Coupon

Online Promo: Welcome offer up to 9,000 Miles (108,000 Points) Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong Or HK$800 Wellcome Coupons Or HK$700 Sogo Gift Certificate

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.

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

Online Promo: Welcome offer 20,000 miles (240,000 points) + Complimentary 4th night at any hotel + Complimentary global airport lounge access!

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.

  • Min. Annual Salary

  • Cash back on local spend

  • Miles Conversion (local spend)

MoneySmart Exclusive: Extra HK$150 voucher apply via MoneySmart!

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

HSBC Credit Cards

  • Min. Annual Salary

  • Cash back on local spend

  • Miles Conversion (local spend)

From now until 31 March 2020, HSBC Visa Signature cardholders can enjoy one complimentary access to Plaza Premium Lounge when presenting the Card and a receipt with a minimum spending of HK$1,500.

Welcome offers: Apply before 30 June to enjoy up to $1,000 RewardCash for spending HK$8000 within 60 days of card issuance. Enjoy extra $300 RewardCash for online application and another HK$100 or activating 'Pay with RC' function in the HSBC Reward+ app.

American Express Credit Cards

  • Min. Annual Salary

  • Cash back on local spend

  • Miles Conversion (local spend)

MoneySmart Exclusive: HK$400 Cash coupon upon Card Approval

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.

  • Min. Annual Salary

  • Cash back on local spend

  • Miles Conversion (local spend)

MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval

American Express Cathay Pacific Card offers cardholders up to 2 times of free access to Plaza Premium Lounge.

  • Min. Annual Salary

  • Cash back on local spend

  • Miles Conversion (local spend)

MoneySmart Exclusive: HK$500 Cash coupon upon Card Approval

American Express Cathay Pacific Elite Card principal and supplementary cardholders can enjoy unlimited free access to over 30+ Plaza Premium Lounge worldwide.

PrimeCredit Credit Cards

Extra HK$300 cash rebate!

PrimeCredit EarnMORE UnionPay Card

  • Min. Annual Salary

  • Cash back on Local Spend

  • Miles Conversion (Local Spend)

MoneySmart Exclusive: Successful application through MoneySmart: Extra HK$300 cash rebate

Online Promo: Welcome offer: HK$670 cash rebate or OTO Back Snuggle or Panasonic Air Purifier or Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program

From now until 31 Dec 2019, with PrimeCredit EarnMore Card, cardholders can enjoy access to 130+ airport lounges provided by LoungeKey for up to 3 times in places like China, Hong Kong, Macau, Taiwan, etc for spending HK$12,000 within two months.

Extra HK$300 cash rebate

WeWa UnionPay Card

  • Min. Annual Salary

  • Cash back on Local Spend

  • Miles Conversion (Local Spend)

MoneySmart Exclusive: Successfully applied through MoneySmart: Extra HK$300 cash rebate.

Online Promo: Fitbit Versa Lite Smart Watch or JBL FREE X Truly Wireless In-Ear Headphones or HK$500 Cash Rebate or Ocean Park SmartFun Annual Pass (Gold Pass)

From now until 31 Dec 2019, WeWa UnionPay Diamond cardholders can enjoy up to 3 times of free access to 130+ airport lounges provided by LoungeKey in places like China, Hong Kong, Macau, Taiwan, etc for spending HK$12,000 within two months.

Things you need to know about airport lounges

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.

Things you need to know about airport lounges

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.