Best Credit Cards for Airport Lounges in Hong Kong

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

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

Citi Prestige Card

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

From 1-9 October 2023, new customers register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$2,000, you can earn **HK$1,600 Apple Store Gift Card / HK$1,600 ParknShop vouchers /B&O Beosound A1 2nd Gen (Valued at HK$2,798)



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards with a spending amount of HK$2,000, you can receive an extra HK$300 PARKnSHOP Supermarket Voucher for every successful referral. Add value service transactions to your digital wallet like Payme/ Alipay HK is eligible spending.

Valid until 09 Oct 2023
Citi Prestige cardholders can enjoy free global airport lounge access in priority pass lounges worldwide and 70+ designated Plaza Premium Lounges worldwide.
MoneySmart Exclusive
5x Points on contactless transactions
MoneySmart Exclusive
5x Points on contactless transactions

Citi Rewards MasterCard

Minimum Income Requirements
HK$120,000
Wallet transactions(Apple Pay、 Google Pay and Samsung Pay)
5X Points
Miles Conversion (local spend)
$3 = 1 Mile

From 1-9 October 2023, new customers register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$2,000, you can earn **HK$1,600 Apple Store Gift Card / HK$1,600 ParknShop vouchers /B&O Beosound A1 2nd Gen (Valued at HK$2,798)



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards with a spending amount of HK$2,000, you can receive an extra HK$300 PARKnSHOP Supermarket Voucher for every successful referral. Add value service transactions to your digital wallet like Payme/ Alipay HK is eligible spending.

Valid until 09 Oct 2023
Citi Rewards Cardholders can enjoy Plaza Premium Lounge for 2 hours for HK$250.
MoneySmart Exclusive
No expiry date for Membership Rewards points
MoneySmart Exclusive
No expiry date for Membership Rewards points

American Express Explorer® Credit Card

Min. Annual Salary
HK$300,000
Cash back on selected online spending
1.67%
Miles Conversion (selected online spending)
$3 = 1 Mile
【Promotion Extended - Grab Your Last Chance!】From now until 19 October, new applicants⁺ for the American Express Explorer Credit Card can get up to HK$500 Statement Credits upon the first transaction within the first 3 months!


Existing AE Cardmembers# with a successful Explorer Card application and transaction made within the first 3 months can get up to HK$300 Statement Credits!


【🌟Attention iPhone Seekers!】Looking to take your Apple product purchases to the next level? The Explorer Card has got you covered! You’ll enjoy an extended 1-year warranty on any purchase; plus earn 5 Membership Rewards points for every eligible HK$1 spent at the Apple Online Store. Seize the chance and APPLY NOW!
Valid until 19 Oct 2023
Enjoy an array of travel benefits e.g free travel insurance and free access to Plaza Premium lounge.

Centurion Lounge

Bank Promo
Enhanced Welcome Offer
Bank Promo
Enhanced Welcome Offer

The Platinum Card

Miles Conversion (local spend)
HK$7.5=1 Mile
Discount at designated restaurants
50%
N/A
Bank Promo:
 From now till 17 October 2023, successfully apply The Platinum Card via MoneySmart can enjoy HK$500 statement credit and 100,000 Membership Rewards points. Upon spending HK$15,000 in the first 3 months, you can enjoy up to 600,000 Membership Rewards points (equivalent to HK$2,500 cash vouchers/ to offset your purchases OR HK$4,000* travel credit on American Express Travel Online).

All new Global Dining Credit! Platinum Card members can enjoy up to HK$2,000 annually, up to HK$2,200 AMEX Travel Online Benefit annually and up to HK$800 statement credit at NET-A PORTER or MR PORTER.
Valid until 17 Oct 2023
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")

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

From 1-9 October 2023, new customers register for designated Citi Credit Cards via MoneySmart, upon a spending amount of HK$2,000, you can earn **HK$1,600 Apple Store Gift Card / HK$1,600 ParknShop vouchers /B&O Beosound A1 2nd Gen (Valued at HK$2,798)



【HK$300 Referral Rewards】Refer your friends to apply for designated Citi Credit Cards online and activate the new cards with a spending amount of HK$2,000, you can receive an extra HK$300 PARKnSHOP Supermarket Voucher for every successful referral. Add value service transactions to your digital wallet like Payme/ Alipay HK is eligible spending.

Valid until 09 Oct 2023
Master 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 traveling.

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 traveling.

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.