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Airport Lounge Credit Cards 2024 Guide

moneyhero

moneyhero

Last Updated 19 February, 2024

There has been a growing number of airport lounge credit cards that offer complimentary access to airport lounges.  If you're eager to explore which VIP lounge credit cards provide free access, along with their unique features and requirements, join MoneyHero as we delve into the realm of airport lounge credit card access, uncovering the top options for 2024.

Which Airport Lounge Credit Cards Grants Free Access?

Airport lounge credit cards have diverse annual income thresholds for application, provide different numbers of complimentary lounge visits, and implement varying policies for guest access. MoneyHero compares the key application requirements and features of various airport lounge credit cards on the market to save you time and hassle in choosing the card that suits you best:

Airport Lounge Credit Card

Airport Lounge

Number of Complimentary Visits per Year

Annual Income Requirement

Fee for Accompanying Guests

Standard Chartered Smart Credit Card

Plaza Premium First

Welcome offer for accumulated eligible transactions of HK$4,000: 2 passes to Plaza Premium First 

HK$96,000

HK$960

Citi PremierMiles Card

Plaza Premium Lounge

12

HK$240,000

HK$200

American Express Explorer Credit Card

Plaza Premium Lounge

8

HK$300,000

HK$300-400

HSBC EveryMile Credit Card

Plaza Premium Lounge

6

HK$240,000

20% discount

The Platinum Card

The Centurion Lounge

Unlimited

Not specified; annual fee of HK$9,500

2 complimentary guests

Plaza Premium Lounge

Unlimited

2 complimentary guest

Priority Pass 

Unlimited

1 complimentary guest

Citi Prestige Card

Priority Pass

Unlimited

HK$600,000 and annual fee of HK$3,800

US$35 per guest

Plaza Premium Lounge

Unlimited

HK$250

CNCBI GBA Dual Currency Credit Card

LoungeKey airport lounges, such as Chase Sapphire Lounge

3

HK$96,000

3 visits with complimentary guest access

EarnMORE UnionPay Card 

No annual income requirement

Bank of Communications VISA Credit Card 

Priority Pass

3-8

HK$150,0000

HK$210

UnionPay Diamond Card

Plaza Premium Lounge

(Hong Kong and Macau only)

3 (Registration required)

$150,000-250,000 / Student

HK$350

Bank of China Hong Kong Airlines Visa Card

Hong Kong Airlines VIP Lounge

5

HK$150,000 /HK$300,000

Aeon Card JAL 

Qantas Hong Kong Lounge

1

N/A


UnionPay Airport Lounge Access Credit Cards

From now until 30 April 2024, cardholders of UnionPay Diamond Card who spend a minimum of HK$12,000 within 2 months can enjoy 3 complimentary visits to LoungeKey lounges, including the Chase Sapphire Lounge, with complimentary guest access.

Best UnionPay Credit Cards for Airport Lounge Access

Think airport lounges are reserved for the elite? Think again! Thanks to the relatively low income threshold of UnionPay cards, even students can access these luxurious spaces. So, if you’re looking to elevate your travel experience, getting into the lounge is easier than you think! But which of the following UnionPay cards suits you best? Let’s find out!

UnionPay card

Annual income requirement

Local spending

Overseas spending

Online spending

Octopus Card auto top-up

China CITIC Bank International  GBA Dual Currency Credit Card

HK$150,000

4%

4%

(RMB transactions)

0.55%

0.55%

EarnMORE UnionPay Diamond Card

HK$150,000 / Student

2%

2%

2%

1%

HSBC Pulse UnionPay Dual Currency Diamond Credit Card

HK$150,000

0.4-2.4%

As low as HK$4.17/mile

0.4-4.4%

As low as HK$2.27/mile

0.4-4.4%

As low as HK$2.27/mile

0.4%

HK$25/mile

WeWa UnionPay Card

HK$150,000 / Student

0.4-4%

0.4%

0.4%

0.4%

Citi Rewards UnionPay Card 

HK$150,000

0.4% / $15/mile

Contactless payment1.11% / HK$5/mile

0.4% / HK$15/mile

0.4% / HK$15/mile

0.4% / HK$15/mile

Bank of China Dual Currency Diamond Card

HK$200,000 / Student

0.4-4%

0.4-4%

0.4%

0.4%

 

Registering for Union Pay Airport Lounge Access

Step 1: Register basic information

Visit the UnionPay card registration website and enter the details of your UnionPay Diamond Card or Commercial Card, including your name, area code and telephone number, to create a personal account.

Airport-Lounge-Union-pay

Step 2: Register email address and UnionPay card number

Register your UnionPay card number and email address. Your email will be used to receive passes, approval status notifications and entitlement notifications.

Airport-Lounge-Union-pay-card-number

Step 3:Upload supporting documents

Select “Upload Document” to upload transaction receipts or bank statements, and enter the statement date / transaction date, time and amount. You can upload up to 6 receipts and 1 statement for each month.

Airport-Lounge-Union-pay-card

Step 4:Spending target achieved

When the registered UnionPay Diamond or Commercial Card reaches the entitlement threshold, cardholders will receive an entitlement email and their card will also be marked as Target Achieved.

image (11)-1

You can check the supporting document approval status with Check History:

Airport-Lounge-Union-pay-card-apply

Airport Lounges Accessible with UnionPay Credit Cards

Simply bring your qualified UnionPay card to the Plaza Premium Lounge at Hong Kong International Airport and register on-site for lounge access. No prior reservation is required. Below are the lounges available for LoungeKey access at Hong Kong Airport:

  • Level 6, Departures Level, Terminal 1 (near Gate 1) - Plaza Premium Lounge
  • Level 6, Departures Level, Terminal 1 (near Gate 35) - Plaza Premium Lounge
  • Level 7, Departures Level, Terminal 1 (near Gate 60) - Plaza Premium Lounge
  • Level 7, Departures Level, Terminal 1, (near Gate 40) - Chase Sapphire Lounge by The Club

American Express Airport Lounge Access Credit Cards

Standing out as the epitome of sophistication and indulgence in the realm of travel, American Express (AMEX) has a lineup of three airport lounge credit cards – the Centurion Card, the Platinum Card and AMEX Explorer Credit Card – each providing access to different airport lounges.  The Platinum Card allows access to the Centurion Lounge and airport lounges listed in the AMEX Global Lounge Collection, while the Explorer Card only offers access to Plaza Premium Lounges. Each card and airport lounge has its own set of rules on guest access:

American Express Card

Airport Lounge Access

Guest Access

The Platinum Card

The Centurion Lounge

2 complimentary guests 

Plaza Premium Lounge

2 complimentary guests

Priority Pass

1 complimentary guest

Explorer

Plaza Premium Lounge (8 visits per year)

Not applicable

American Express Credit Cards with Guest Access to Airport Lounge 

With the Platinum Card, both primary and supplementary cardholders can bring along 2 complimentary guests each to the Centurion Lounge and Plaza Premium Lounge. As for Priority Pass, the primary cardholder is entitled to 1 complimentary guest, but access to Priority Pass lounges requires a separate application through customer service.

AMEX Explorer Credit Card holders have the privilege of accessing Plaza Premium Lounge with 8 complimentary visits annually and the quotas are shared between primary and supplementary cardholders. However, these visits do not include complimentary guest access.

Welcome Gift

American Express Explorer® Credit Card

American Express Explorer® Credit Card

Number of Free Lounge Access

10
times

Local Spending - Air Miles Conversion

$
3.6
/mile
designated online travel and everyday spend merchants

Min. Annual Income

$
300,000
See more
See less

Rewards

[Till 31 January 2024] Successfully apply for Explorer Credit Card through MoneyHero and meet the spending requirements, customers will be gifted points for 71,000 air miles or HK$4,260 reward.
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Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.</strong></p> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Local Currency Spend</strong></td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 3 Membership Rewards points<br /> \t\t\t(HK$6 = 1 mile / 1% cash rebate)</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Foreign Currency Spend</strong></td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 3.75 Membership Rewards points<br /> \t\t\t(HK$4.8 = 1 mile / 1.25% cash rebate)</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Airlines and Selected Online Travel and Everyday Spend Merchants</strong> \t\t\t<ul> \t\t\t\t<li>Include: Amazon.com, Apple, Deliveroo, foodpanda, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 5 Membership Rewards points<br /> \t\t\t(1.67% cash rebate / HK$3.6 = 1 mile)</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.</li> </ul>","<strong>No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.</strong> <ul> <li>You can transfer your points into 9 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.</li> <li>You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.</li> </ul>","<strong>Travel Privileges - take care of your travel needs</strong> <ul> <li>Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.</li> <li>Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.</li> </ul>","<strong>Shopping Protection</strong><br />Spend with the Card to enjoy the following protection: <ul> <li><strong>Online Fraud Protection Guarantee</strong><br />Shop online with the Card and you won't be held responsible for any fraudulent charge.</li> <li><strong>Return Guarantee</strong><br />Refund if you are unhappy with the purchase made with the Card.</li> <li><strong>Extended Warranty</strong><br />When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.</li> <li><strong>Price Protection</strong><br />Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase</li> <li><strong>45 Days Cover</strong><br />Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.</li> <li>Terms and Conditions apply.</li> </ul>","<strong>Entertainment and Shopping Privileges</strong> <ul> <li>10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.</li></ul>","<strong>First year annual fee waiver upon successful card application</strong><ul> <li>Spend HK$150,000 annually with the principal and any supplementary card(s) and your annual card fee will be waived for the following year.</li> </ul>"],"cons":["<p>Welcome Offer <a href=\"https://www.americanexpress.com/content/dam/amex/hk/en/campaigns/explorer-credit-card/Explorer_BAUWelcomeOffer_TnC_EN.pdf\" target=\"_blank\">Terms and conditions</a> apply.</p>","<p>Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.</p> <ul> <li>Gift eligibility is based on the application date of the approved application, but not approval date.</li> </ul>","<strong>Online bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.</strong>","For the Annual Membership Fee, Annual Membership Fee Waiver, Access to Plaza Premium Lounge, Cardmember Agreement and 5X Membership Rewards points benefits, some changes will be made with effect from May 18, 2023. 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Enjoy as low as HK$3.6 = 1 mile on selected online everyday spend merchants.</strong></p> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Local Currency Spend</strong></td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 3 Membership Rewards points<br /> \t\t\t(HK$6 = 1 mile / 1% cash rebate)</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Foreign Currency Spend</strong></td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 3.75 Membership Rewards points<br /> \t\t\t(HK$4.8 = 1 mile / 1.25% cash rebate)</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; width:327.225px\"><strong>Airlines and Selected Online Travel and Everyday Spend Merchants</strong> \t\t\t<ul> \t\t\t\t<li>Include: Amazon.com, Apple, Deliveroo, foodpanda, Cathay Pacific Airlines, Japan Airlines, Eva Air, Finnair, Hong Kong Airlines, Emirates and MORE</li> \t\t\t</ul> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:216.975px\">HK$1 = 5 Membership Rewards points<br /> \t\t\t(1.67% cash rebate / HK$3.6 = 1 mile)</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>Conversion rate is based on 30,000 points to redeem HK$100 cash vouchers/Pay with Points and 18 points to redeem 1 mile.</li> </ul>","<strong>No expiry dates for Membership Rewards points. You can transfer your points to redeem diversified rewards.</strong> <ul> <li>You can transfer your points into 9 air miles partners with no administration fee. Partners include Asia Miles, Avios, ANA, KrisFlyer and more.</li> <li>You can also redeem cash voucher, Pay with Points, Travel with Points, hotel points (Hilton Honors、Marriot Bonvoy), lifestyle gifts and more.</li> </ul>","<strong>Travel Privileges - take care of your travel needs</strong> <ul> <li>Complimentary Plaza Premium Lounge Access: Basic and Supplementary Cardmember of American Express Explorer Credit Card can enjoy a total of 8 times complimentary Plaza Premium Lounge access every calendar year.</li> <li>Complimentary Travel Insurance: Pay for your entire fare for an overseas trip with the Card to enjoy complimentary travel insurance. Coverages include travel accident insurance with coverage up to HK$3.5 million and travel inconvenience protection with coverage up to HK$10,000 per year.</li> </ul>","<strong>Shopping Protection</strong><br />Spend with the Card to enjoy the following protection: <ul> <li><strong>Online Fraud Protection Guarantee</strong><br />Shop online with the Card and you won't be held responsible for any fraudulent charge.</li> <li><strong>Return Guarantee</strong><br />Refund if you are unhappy with the purchase made with the Card.</li> <li><strong>Extended Warranty</strong><br />When purchase with the Card, the warranty will be extended by up to 1 year once the original manufacturer's warranty expires. The maximum coverage is HK$40,000 per item, and HK$150,000 per Card account per year.</li> <li><strong>Price Protection</strong><br />Refund the difference when you see an identical item offered at a cheaper price in Hong Kong within 14 days of your purchase</li> <li><strong>45 Days Cover</strong><br />Almost anything you buy with your Card is insured against theft or accidental damage for up to 45 days after the date of purchase.</li> <li>Terms and Conditions apply.</li> </ul>","<strong>Entertainment and Shopping Privileges</strong> <ul> <li>10% savings on 4DX, 3D, 2D and IMAX regular priced movie tickets at Broadway Circuit in Hong Kong.</li></ul>","<strong>First year annual fee waiver upon successful card application</strong><ul> <li>Spend HK$150,000 annually with the principal and any supplementary card(s) and your annual card fee will be waived for the following year.</li> </ul>"],"cons":["<p>Welcome Offer <a href=\"https://www.americanexpress.com/content/dam/amex/hk/en/campaigns/explorer-credit-card/Explorer_BAUWelcomeOffer_TnC_EN.pdf\" target=\"_blank\">Terms and conditions</a> apply.</p>","<p>Existing American Express Explorer Credit Card Basic Cardmembers and applicants who held the Basic Card of American Express Explorer Credit Card at any time within the past 12 months from the date of this application are not eligible for these Welcome Offers and first-year annual fee waiver.</p> <ul> <li>Gift eligibility is based on the application date of the approved application, but not approval date.</li> </ul>","<strong>Online bonus is applicable to Basic Cardmembers who submit their Card application online and all required valid documents within 7 working days from the date of application submission.</strong>","For the Annual Membership Fee, Annual Membership Fee Waiver, Access to Plaza Premium Lounge, Cardmember Agreement and 5X Membership Rewards points benefits, some changes will be made with effect from May 18, 2023. 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HSBC Credit Cards with Lounge Access

With the HSBC EveryMile Credit Card, cardholders can enjoy a total of 6 complimentary visits per year to Plaza Premium Lounges or complimentary meal sets at designated airport dining outlets. Although there is no complimentary guest access, each accompanying guest of the cardholder is entitled to a 20% discount on the entrance fee. In addition to providing lounge access and travel benefits such as complimentary travel insurance, the EveryMile Credit Card operates on the Reward Cash system, just like other HSBC credit cards. This offers cardholders remarkable flexibility in redeeming rewards, whether it be gifts, cashback or miles. The card provides a basic cash rebate of 1% or HK$5 per mile, along with 2.5% cashback or HK$2 per mile for overseas spending and designated everyday expenses like local transportation and online entertainment subscriptions such as Netflix. Additionally, cardholders can enjoy a HK$300 rebate for a single transaction of HK$5,000 or more (inclusive of taxes and surcharges) when purchasing flight tickets departing from Hong Kong through the Cathay Pacific mobile app using Apple Pay or Google Pay.

Welcome Gift

HSBC EveryMile Credit Card

HSBC EveryMile Credit Card

Number of Free Lounge Access

6
times

Local Spending - Air Miles Conversion

$
5
/mile

Min. Annual Income

$
240,000
See more
See less

Rewards

[Till 24 February 2024] Enjoy up to $2,500 RewardCash as welcome offer upon successful online application

Red Hot Winter Spending Rewards

From 30 November 2023 to 24 February 2024, paying with an HSBC credit card for any local or overseas transactions can earn up to an extra $1,300 RewardCash.

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The offer extends up to $600 RewardCash</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\">Reach HK$38,000</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\">Extra rewards on top of the above rebate including:<ul><li> Extra $500 RewardCash;</ul></li><ul><li> Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card</ul> </li> </td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\"> </td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\"> Up to an extra $1,300 RewardCash</td> \t\t</tr> \t</tbody> </table> <p></p>^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions <p>- Registration needed</p> <p>- Eligible cards: all HSBC credit cards including student card</p><p>- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。</p><p>- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers</p> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>Total RewardCash </strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>RewardCash items</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>up to HK$2,500 RewardCash</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p> up to HK$1,000 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t</td> \t\t</tr> \t</tbody> </table> <li>Get a Welcome Gift of $1,000 RewardCash (eqv. to 20,000 miles) (for New Credit Card Customers) or $500 RewardCash (eqv. to 10,000 miles) (for Exisiting Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance </li> <li>Get an extra $200 RewardCash (eqv. to 4,000 miles) (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer, a total of up to 1,200 RewardCash (eqv. to 24,000 miles) </li></ul>","<p><strong>Agoda Offer</strong></p> <ul> <li>From now till 31 December 2023, enjoy up to 15% off your worldwide hotel bookings all year round via the Agoda website by using HSBC EveryMile Credit Card</li> </ul>"," <strong>Enjoy an “Interest-free Payment Holiday” for the first two months</strong><ul><li>You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required). </li></ul>","HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases; as low as HK$2 = 1 mile from the exclusive overseas spending offer <ul> <li> <p>Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (<a href=\"https://cdn.hsbc.com.hk/content/dam/hsbc/hk/docs/credit-cards/everymile/everymile-everyday-spend.pdf\">complete full merchant list</a>)</p> </li> </ul>","First year annual fee waiver","<p>Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles&trade;, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.</p> <ul> <li>Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.</li> </ul>","Enjoy up to 15% off on hotel bookings worldwide with Agoda and monthly flash offers","Up to 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year","Complimentary travel insurance for you and your accompanying family members with special coverage on mobile phone and in the event of trip cancellation","Visa concierge services"],"cons":["The Online Welcome Offer Promotional Period starts from 1 September 2023 to 29 February 2024","The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023","To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website (www.agoda.com/hsbceverymile ) or by accessing the Agoda mobile app through the designated Agoda website.","To borrow or not to borrow? 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The offer extends up to $600 RewardCash</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\">Reach HK$38,000</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\">Extra rewards on top of the above rebate including:<ul><li> Extra $500 RewardCash;</ul></li><ul><li> Extra $200 RewardCash if any of the eligible transactions are made through an HSBC Visa Credit Card</ul> </li> </td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:49.9264%\"> </td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.8954%\"> Up to an extra $1,300 RewardCash</td> \t\t</tr> \t</tbody> </table> <p></p>^A single transaction on local or overseas spending of HK$500 or above are counted as eligible transactions <p>- Registration needed</p> <p>- Eligible cards: all HSBC credit cards including student card</p><p>- The extra $600 RewardCash of 「Red Hot Winter Spending Reward」 includes a maximum of an extra $300 RewardCash in relation to Eligible Local Transactions and an extra $300 RewardCash in relation to Eligible Overseas Transactions」。</p><p>- If you are a supplementary card owner and do not own any other personal HSBC basic card, that supplementary card cannot be used in the 「Red Hot Winter Spending Reward」 and 「HSBC Travel Guru Membership Programme」offers</p> <table style=\"height:151px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:center; width:48.7568%\"><strong>Total RewardCash </strong></td> \t\t\t<td style=\"height:30px; text-align:center; width:50.065%\"><strong>RewardCash items</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:48.7568%\"> \t\t\t<p>up to HK$2,500 RewardCash</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:30px; width:50.065%\"> \t\t\t<p> up to HK$1,000 RewardCash (Welcome Offer) + HK$200 RewardCash (Monthly Instalment(s) of Cash Instalment Plan) + up to HK$1,300 RewardCash (Red Hot Winter Spending Rewards)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t</td> \t\t</tr> \t</tbody> </table> <li>Get a Welcome Gift of $1,000 RewardCash (eqv. to 20,000 miles) (for New Credit Card Customers) or $500 RewardCash (eqv. to 10,000 miles) (for Exisiting Credit Card Customers) when you use the card to make eligible transactions of HK$8,000 or above within 60 days of card issuance </li> <li>Get an extra $200 RewardCash (eqv. to 4,000 miles) (for New Credit Card Customers) when you successfully apply for Cash Instalment Plan with an approved withdrawal amount equal to or above HK$20,000 and with a repayment period of 12 months or above to enjoy the offer, a total of up to 1,200 RewardCash (eqv. to 24,000 miles) </li></ul>","<p><strong>Agoda Offer</strong></p> <ul> <li>From now till 31 December 2023, enjoy up to 15% off your worldwide hotel bookings all year round via the Agoda website by using HSBC EveryMile Credit Card</li> </ul>"," <strong>Enjoy an “Interest-free Payment Holiday” for the first two months</strong><ul><li>You do not need to repay the first 2-month’s statement balances without finance charge or late charge to enjoy financial flexibility (for new credit card customers and upon physical card activation within the first 60 days of card issuance. No registration is required). </li></ul>","HK$2 spent = 1 mile on designated everyday spend; HK$5 spent = 1 mile on local purchases; as low as HK$2 = 1 mile from the exclusive overseas spending offer <ul> <li> <p>Designated merchants include: Netflix, Disney+, Citybus, First Bus, Caltex, TenRen’s Tea, eCup, MOOV and etc. (<a href=\"https://cdn.hsbc.com.hk/content/dam/hsbc/hk/docs/credit-cards/everymile/everymile-everyday-spend.pdf\">complete full merchant list</a>)</p> </li> </ul>","First year annual fee waiver","<p>Use your RewardCash to redeem amazing rewards or miles / points at 15+ frequent flyer and hotel loyalty programmes, including Aeroplan, Asia Miles&trade;, British Airways Executive Club Avios, Singapore Airlines KrisFlyer, Emirates Skywards, Finnair Plus, Infinity MileageLands etc.</p> <ul> <li>Please refer to HSBC website for the complete list of flyer and hotel loyalty programmes.</li> </ul>","Enjoy up to 15% off on hotel bookings worldwide with Agoda and monthly flash offers","Up to 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets in Hong Kong and overseas per year","Complimentary travel insurance for you and your accompanying family members with special coverage on mobile phone and in the event of trip cancellation","Visa concierge services"],"cons":["The Online Welcome Offer Promotional Period starts from 1 September 2023 to 29 February 2024","The Welcome Offer is not applicable to applicants who have cancelled any personal primary credit card HSBC issued on or after 1 March 2023","To enjoy up to 15% off on hotel bookings with Agoda, bookings must be made ia designated Agoda website (www.agoda.com/hsbceverymile ) or by accessing the Agoda mobile app through the designated Agoda website.","To borrow or not to borrow? 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Citi Credit Cards with Lounge Access

Both the Citi Prestige Card and PremierMiles Card present viable options for travelers seeking access to airport lounges. Each card has its own strengths, suiting individuals with different needs and habits.

The Citi Prestige Card shines with its premium travel perks and versatility. Cardholders have the privilege of unlimited complimentary access to Plaza Premium Lounges and Priority Pass lounges worldwide throughout the year. However, if they wish to bring guests into the lounges, they will need to pay US$32 per person. Cardholders can convert their earned points into miles for 12 different mileage programmes, with rates as low as HK$4 per mile for overseas spending and HK$6 per mile for local spending, including automatic bill payments. Another notable benefit is a complimentary 4th night’s accommodation when booking any hotel worldwide for a consecutive stay of 4 nights or more, with no date restrictions.  Given these privileges, it’s not surprising that the card has a relatively higher annual income requirement of HK$600,000 and charges an annual fee of HK$3,800 without any waiver.

Exclusive Offer

Citi Prestige Card

Citi Prestige Card

Local Spending - Air Miles Conversion

$
6
/mile
Miles redeemed (local spending)

Min. Annual Income

$
600,000
See more
See less

Rewards

[Till 2 Janurary 6 p.m.] Get rewarded with Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (Random Color; valued at HK$4,280) / Marshall Stanmore II Bluetooth Speaker (valued at HK$3,499) / BRUNO BOE053 Oval Hot Plate (Random Color; valued at HK$1,599) / HK$1,600 Apple Store Gift Card OR Wellcome Shopping Voucher exclusively from MoneyHero with a designated amount of spending. EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!

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Ends in","displayProductPage":false,"date":{"startDate":null,"endDate":"2023-05-22T04:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero Exclusive Offer"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"sortValue":600000000,"displayValue":"600,000","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_LOCAL","display":"Local Spending - Air Miles Conversion"},"sortValue":6000,"displayValue":"6","tooltip":null,"description":"Miles redeemed (local spending)","prefix":"$","suffix":"/mile"},{"__typename":"CompareElementSimple","title":{"key":"AIRMILES_OVERSEAS","display":"Overseas Spending - Air Miles Conversion"},"sortValue":4000,"displayValue":"4","tooltip":null,"description":"Miles redeemed (oversears spending)","prefix":"$","suffix":"/mile"}],"ctaButton":null,"functional":{"metaData":{"alias":"citi-prestige-card"},"rateTableEntries":null,"fees":null,"defaults":null},"provider":{"alias":"citibank","providerName":"Citibank"},"description":{"shortDescription":["Complimentary 4th night at any hotel; Pay annual fee of HK$3,800 to receive 360,000 Points every year from the second year onwards, equivalent to 30,000 Asia Miles","Extended purchase protection insurance, free travel insurance"]},"productName":"Citi Prestige Card","title":"HK.CC.CITI0011.CITIPRESTIGECARD","features":{"title":"Features","pros":[" <p><strong>MoneyHero Limited-Time Exclusive Offer</strong></p> <ul> <li>New Citi Credit Card Customers receive <strong> Delsey ECLIPSE SE 31\" Expandable Spinner Front-opening Suitcase (Random Color; valued at HK$4,280) / Marshall Stanmore II Bluetooth Speaker (valued at HK$3,499) / BRUNO BOE053 Oval Hot Plate (Random Color; valued at HK$1,599) / HK$1,600 Apple Store Gift Card OR Wellcome Shopping Voucher</strong> exclusively from MoneyHero when they spend a designated amount and fulfill the following requirements:</li> </ul> <table style=\"width: 100%; height: 186px;\"> <tbody> <tr style=\"height: 30px;\"> <td style=\"width: 46.2445%; text-align: center; height: 26px;\"><strong>Important Dates</strong></td> <td style=\"width: 52.5773%; text-align: center; height: 26px;\"><strong>Requirements</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">From 30 November 2023 6 p.m. to 2 January 2024 6 p.m.</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">New Citi Credit Card Customers who successfully apply for the Designated Card via MoneyHero.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 46px;\">Within 7 days of receiving the form</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 46px;\">Submit the reward redemption form sent via email previously.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 50px;\">On or before 1 February 2024</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 50px;\">The card must be approved by Citibank. You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> <li>Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card, Citi Premier Miles Card & Citi Prestige Card; not applicable to student cards.</li> <li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a>.</li> </ul> </li> </ul>","<strong>Points will never expire</strong> <ul> <li>Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile</li> <li>Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile</li> <li>Pay annual fee of HK$3,800 to receive 360,000 Points every year from the second year onwards, equivalent to 30,000 Asia Miles</li> <li>Points can redeem cash rebate, vouchers, gifts and airmiles</li> </ul>","<strong>Complimentary 4th night at any hotel</strong><ul><li>Complimentary night at any hotel when you book a minimum 4-consecutive-night stay including staycation</li></ul>","<strong>One call connects to 24/7 Citi Prestige Concierge hotline with multiple languages</strong>","<strong>Free travel insurance</strong><ul><li>Pay in full or redeem for flight tickets/accommodation/travel tours with your Citi Prestige Card, you and your family can enjoy free travel insurance.</li></ul>","<strong>Extended warranty insurance, purchase protection insurance, e-commerce protection insurance and more</strong>","【MoneyHero x Deliveroo Special Offer】Apply for a credit card through MoneyHero and enjoy a 6-month Deliveroo Plus Silver membership for FREE, whether your credit card application is approved or not! Receive the redemption promo code two weeks after your application. <ul><p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>Unlock discounts from Deliveroo Plus Rewards: Order over HK$150 from the same restaurant three times & get HK$85 off on the fourth order. Place your order from over 1,000 selected partners including but not limited to NOC Coffee, KFC, Shake Shack & more!<li>Up to 25% off Pickup: No minimum charge! Skip the line & save on your waiting time. Enjoy up to 25% off selected restaurants with Pickup</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a>"],"cons":["This MoneyHero Exclusive Offer does not apply to student cards","Annual fee of HK$3,800 must be paid.","MoneyHero exclusive offer is only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card (\"New Customer\")."]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"600000","description":{"shortDescription":"HK$600,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"a. 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You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> <li>Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card, Citi Premier Miles Card & Citi Prestige Card; not applicable to student cards.</li> <li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a>.</li> </ul> </li> </ul>","<strong>Points will never expire</strong> <ul> <li>Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile</li> <li>Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile</li> <li>Pay annual fee of HK$3,800 to receive 360,000 Points every year from the second year onwards, equivalent to 30,000 Asia Miles</li> <li>Points can redeem cash rebate, vouchers, gifts and airmiles</li> </ul>","<strong>Complimentary 4th night at any hotel</strong><ul><li>Complimentary night at any hotel when you book a minimum 4-consecutive-night stay including staycation</li></ul>","<strong>One call connects to 24/7 Citi Prestige Concierge hotline with multiple languages</strong>","<strong>Free travel insurance</strong><ul><li>Pay in full or redeem for flight tickets/accommodation/travel tours with your Citi Prestige Card, you and your family can enjoy free travel insurance.</li></ul>","<strong>Extended warranty insurance, purchase protection insurance, e-commerce protection insurance and more</strong>","【MoneyHero x Deliveroo Special Offer】Apply for a credit card through MoneyHero and enjoy a 6-month Deliveroo Plus Silver membership for FREE, whether your credit card application is approved or not! Receive the redemption promo code two weeks after your application. <ul><p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>Unlock discounts from Deliveroo Plus Rewards: Order over HK$150 from the same restaurant three times & get HK$85 off on the fourth order. Place your order from over 1,000 selected partners including but not limited to NOC Coffee, KFC, Shake Shack & more!<li>Up to 25% off Pickup: No minimum charge! Skip the line & save on your waiting time. 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The Citi PremierMiles Card offers a more accessible option for most individuals with its lower annual income requirement of HK$120,000 and a first-year annual fee waiver. Both the primary and supplementary cardholders are entitled to 12 free visits to Plaza Premium Lounges per year, given that they make local or overseas transactions totaling HK$5,000 for each lounge access within 30 days following the access date. Although the conversion rate for local spending is just HK$8 per mile, cardholders who accumulate eligible monthly spending of HK$20,000 or more can enjoy a generous rate of HK$3 per mile on overseas and online foreign currency transactions for that month. If cardholders fail to meet the threshold, they can still enjoy HK$4 per mile, with no cap on miles rewards or point-to-mile conversion fees.

Exclusive Offer

Citi PremierMiles Card

Citi PremierMiles Card

Number of Free Lounge Access

12
times

Local Spending - Air Miles Conversion

$
8
/mile
Miles redeemed (local spending)

Min. Annual Income

$
120,000
See more
See less

Rewards

[Till 2 Janurary 6 p.m.] Get rewarded with Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (Random Color; valued at HK$4,280) / Marshall Stanmore II Bluetooth Speaker (valued at HK$3,499) / BRUNO BOE053 Oval Hot Plate (Random Color; valued at HK$1,599) / HK$1,600 Apple Store Gift Card OR Wellcome Shopping Voucher exclusively from MoneyHero with a designated amount of spending. EXTRA GIFT: 6-month Deliveroo Plus Silver membership, no matter your application is approved or not!

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You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. 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You are required to activate the card.</td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 46.2445%; border-top: 1px solid #ededed; height: 18px;\">Within 30 days upon card approval</td> <td style=\"width: 52.5773%; border-top: 1px solid #ededed; height: 18px;\">Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)</td> </tr> </tbody> </table> <ul> <li>Tips: <ul> <li>Please turn off AdBlocker and private mode before application: <a href=\"https://support.moneyhero.com.hk/hc/en-us/articles/360041012651-3-settings-to-ensure-coupon-reward-eligibility\" target=\"&rdquo;_blank&rdquo;\">3 settings to ensure reward eligibility</a></li> <li>Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).</li> <li>You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.</li> <li>Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card, Citi Premier Miles Card & Citi Prestige Card; not applicable to student cards.</li> <li>If you have concerns regarding the redemption process, please refer to the <a href=\"https://moneyhero.link/cc-citi-cashback-rewards-pm-prestige-tnc-listing\" target=\"_blank\" rel=\"noopener\">Terms and Conditions</a>.</li> </ul> </li> </ul>","<strong>Points will never expire. No service charge for mileage conversion.</strong>","<strong>Up to 12 times complimentary access to airport lounges for every calendar year</strong> <ul> <li>Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit</li> </ul>","<strong>Free Travel Insurance</strong> <ul> <li>Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance</li> </ul>","<strong>Purchase Protection</strong><ul> <li> Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase</li> </ul>","<strong>First year annual fee waiver</strong>","【MoneyHero x Deliveroo Special Offer】Apply for a credit card through MoneyHero and enjoy a 6-month Deliveroo Plus Silver membership for FREE, whether your credit card application is approved or not! Receive the redemption promo code two weeks after your application. <ul><p>Benefits for Deliveroo Plus Silver Member:<li>Unlimited free delivery : free delivery on all orders over HK$250<li>Unlock discounts from Deliveroo Plus Rewards: Order over HK$150 from the same restaurant three times & get HK$85 off on the fourth order. Place your order from over 1,000 selected partners including but not limited to NOC Coffee, KFC, Shake Shack & more!<li>Up to 25% off Pickup: No minimum charge! Skip the line & save on your waiting time. Enjoy up to 25% off selected restaurants with Pickup</p></ul> <a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24141255772569\">More details</a>"],"cons":["This MoneyHero Exclusive Offer does not apply to student cards","Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card (\"New Customer\").","When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$200 per cardholder per lounge access. Terms and conditions apply. For details, please <a href=\"https://ad.doubleclick.net/ddm/trackclk/N195002.1981105MONEYHERO/B9863873.133533635;dc_trk_aid=306122418;dc_trk_cid=76779141;dc_lat=;dc_rdid=;tag_for_child_directed_treatment= \" target=\"_blank\">click here</a> for more information."]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"18","description":{"shortDescription":"18 years old","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"Min. Annual Income"},"value":"120000","description":{"shortDescription":"HK$120,000","longDescription":null,"tooltip":null}}],"apr":[{"type":{"key":"MINIMUM_PAYMENT","display":"Minimum Payment"},"value":null,"description":{"shortDescription":"a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card \"Quick Cash\" Installment Program and Terms and Conditions for Citi Credit Card \"Flexi-Installment\" Program) (where applicable)","longDescription":null,"tooltip":null}},{"type":{"key":"LATE_CHARGE","display":"Late payment charge"},"value":null,"description":{"shortDescription":"HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower","longDescription":null,"tooltip":null}},{"type":{"key":"RETAIL_APR","display":"Retail Purchase APR"},"value":null,"description":{"shortDescription":"34.28%","longDescription":null,"tooltip":null}},{"type":{"key":"CASH_APR","display":"Cash Advance APR"},"value":null,"description":{"shortDescription":"35.81%","longDescription":null,"tooltip":null}},{"type":{"key":"INTEREST_FREE_PERIOD","display":"Interest Free Repayment Period"},"value":null,"description":{"shortDescription":"58 days","longDescription":null,"tooltip":null}}],"fees":[{"type":{"key":"ANNUAL_FEE","display":"Annual fee"},"value":null,"description":{"shortDescription":"HK$1,800","longDescription":null,"tooltip":null}},{"type":{"key":"FOREIGN_CURRENCY_TRANSACTION_FEE","display":"Foreign Currency Transaction Fee"},"value":null,"description":{"shortDescription":"1.95%","longDescription":null,"tooltip":null}}],"offers":{"welcomeOffers":[{"reward":[]}],"exclusiveOffers":[{"reward":[]}],"additionalOffers":null}}, hs_name=, hs_initial_published_at=1713830427110, hs_created_at=1669950672490, hs_is_edited=false, hs_deleted_at=0, productname=Citi PremierMiles Card, hs_updated_by_user_id=60412388}, id=57342100171, table_id=4701663, table_name=product_moneyhero})

 


Airport Lounge Credit Cards FAQ

1. What is an airport lounge credit card, and how does it work?

Airport lounge credit cards usually grant cardholders complimentary access to lounges, or comes with a complimentary membership to a lounge access programme such as Priority Pass. Cardholders usually need to present their credit card, boarding pass, and government-issued IDs such as passport at the lounge entrance to gain access.

2. Are there any fees associated with lounge access offered by airport lounge credit cards?

There may be fees for additional guest visits or for using lounges beyond the complimentary visits allotted by the card. Some cards may require cardholders to meet a spending threshold within a specified period to qualify for complimentary access to lounges.

3. Can I bring guests into airport lounges with my credit card?

It depends on the specific credit card and airport lounge. Some cards allow both primary and supplementary cardholders to bring guests for free or at a discounted rate, while others may charge a fee for each accompanying guest. 

4. Can I access lounges in other airports using Hong Kong credit cards?

4. Can I access lounges in other airports using Hong Kong credit cards?
Access to airport lounges with Hong Kong credit cards varies based on the card’s benefits. For instance, the AMEX Platinum Card grants access to Plaza Premium Lounges worldwide, while holders of the Citi PremierMiles Card only have access to select lounges.


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