Best Credit Cards for Airport Lounges in Hong Kong 2021

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

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

Citi PremierMiles Card

Min. Annual Salary
120000
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
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Complimentary 4th night free at any hotel

Citi Prestige Card

Min. Annual Salary
600000
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
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5x Points on contactless transactions

Citi Rewards MasterCard

Min. Annual Salary
120000
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.

HSBC Credit Cards

Min. Annual Salary
360000
Miles Conversion (overseas spend)
HK$1.79 = 1 Mile
Miles Conversion (local spend)
HK$2.78 = 1 Mile

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.

American Express Credit Cards

Up to 50% savings at designated restaurants
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Up to 50% savings at designated restaurants

American Express® Platinum Credit Card

Min. Annual Salary
300000
Miles Conversion (overseas spend)
$5 = 1 Mile
Miles Conversion (local spend)
$5 = 1 Mile

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.

Free Marco Polo Club green tier membership
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Free Marco Polo Club green tier membership

American Express Cathay Pacific Credit Card

Min. Annual Salary
150000
Miles Conversion (overseas spend)
$8 = 1.5 Mile
Miles Conversion (local spend)
$8 = 1 Mile

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

Complimentary Plaza Premium Lounge access
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Complimentary Plaza Premium Lounge access

American Express Cathay Pacific Elite Credit Card

Min. Annual Salary
300000
Miles Conversion (overseas spend)
HK$6 = 1.5 Miles
Miles Conversion (local spend)
HK$6 = 1 Mile

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

Things you need to know about airport loungesThings 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.