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

Citi PremierMiles Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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.

Welcome offers: Apply before 28 June to enjoy 108,000 Points (equivalent to one set of round trip ticket to Taipei) plus extra HK$40 cash rebate for mobile payment via Apple Pay, Google Pay and Samsung Pay.

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Citi Prestige Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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.

Welcome offers: Apply before 28 June 2019 and pay HK$3,800 annual fee to enjoy 20,000 miles (240,000 points) plus extra HK$40 cash rebate for mobile payment via Apple Pay, Google Pay and Samsung Pay.

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Citi Rewards Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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

Welcome offers: Apply before 28 June to enjoy 135,000 points for spending HK$10,000 within 2 months of card issuance.

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HSBC Credit Cards

HSBC Visa Signature Card

  • 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.

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HSBC UnionPay Dual Currency Card

  • 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.

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American Express Credit Cards

The Platinum Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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.

Welcome offers: Apply before 31 Dec 2019 to enjoy HK$500 city’super cash voucher for spending HK$5,000 3 months after card issuance. Enjoy HK$1= 5 points for local and overseas spending, capped at 600,000 points and 4 movie tickets at AMC Pacific Place Cinema within 3 months of card issuance.

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American Express Cathay Pacific Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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

Welcome offers: New customer who apply before 31 Dec 2019 can enjoy HK$500 city’super cash voucher upon spending HK$5,000 within 3 months of card issuance. Also entitled to HK$1 = 5 points for local and overseas spending, capped at 600,000 points and 4 movie tickets at AMC Pacific Place Cinema within 3 months of card issuance.

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American Express Cathay Pacific Elite Card

  • Min. Annual Salary

  • Cash Back on Local Spend

  • Miles Conversion (Local Spend)

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

Welcome offers: Enjoy first-year annual fee waiver and up to 76,000 miles which include 1000 miles for online application, 5000 miles for spending HK$5000 within 3 months of card issuance, HK$5 = 1 point local spend bonus (capped at 40,000 miles) and HK$3 = 1 point overseas spend bonus (capped at 30,000 miles) for the first 3 months.

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PrimeCredit Credit Cards

PrimeCredit EarnMORE UnionPay Card

  • Min. Annual Salary

  • Cash back on Local Spend

  • Miles Conversion (Local Spend)

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.

Welcome offers: OTO Qseat foot massager/ HK$600 Häagen-Dazs coupon/ HK$500 cash rebate. Apply through MoneySmart for an exclusive $100 cash rebate.

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WeWa UnionPay Card

  • Min. Annual Salary

  • Cash back on Local Spend

  • Miles Conversion (Local Spend)

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.

Welcome offers: One set of round trip ticket for one passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher / HK$600 Häagen-Dazs coupon/HK$500 cash rebate. Apply through MoneySmart for an exclusive $100 cash rebate.

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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.

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.