The Australian credit card market is a competitive space. So, many banks offer additional benefits to cardholders as an enticement to sign up for their cards. These include things like complimentary travel insurance, bonus credit card sign-up points and even sometimes free flights.
Another benefit that some credit cards offer is airport lounge access.
Around a dozen Australian credit cards offer two complimentary Qantas Club or Virgin Australia Lounge passes each year. Other credit cards come with Standard Priority Pass membership, including two complimentary Priority Pass lounge visits each year.
Plus, many American Express cardholders are entitled to two annual visits to the international Amex Centurion airport lounges in Sydney or Melbourne.
A couple of Australian credit cards even go a step further, offering unlimited access to a global network of airport lounges for as long as you keep the card! These cards have relatively high annual fees, but it can still work out to be a great deal compared to the cost of buying an equivalent airport lounge membership outright.
When comparing products, just beware of credit cards that advertise “lounge access” that is not free!
Looking for a credit card with some great lounge access benefits? Here are some of the best Australian cards for lounge access for 2025…
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American Express Velocity Platinum
The recently refreshed American Express Velocity Platinum credit card comes with unlimited access to Virgin Australia Lounges whenever you fly Virgin from an airport where a lounge is available. And at a cost of just $440/year for this card, it’s cheaper than actually buying a Virgin Australia Lounge membership!
This card also gets you a complimentary return Virgin Australia domestic flight every year, as well as a high Velocity points-earning rate. Although you don’t get an included guest allowance with every lounge visit, you do get two guest passes that you can use to bring travelling companions into the Virgin Australia Lounge with you each year.
Considering the annual fee, the Amex Velocity Platinum card offers fairly unbeatable value.
Enjoy Virgin Australia Lounge access and a complimentary annual return domestic flight…
- Card Name
- American Express Velocity Platinum
- Earn
- 1.25
- Signup Bonus
-
60,000 bonus Velocity Points*
Apply by 12th Aug 2025
- Annual Fee
- $440 p.a.
- Read more
- View Offer
on everyday purchases
Citi Prestige
The Citi Prestige credit card currently offers unlimited Priority Pass lounge access for the cardholder and one guest. From 1 August 2025, this will change to 15 Priority Pass lounge visits each year.
You use this to access over 1,700 Priority Pass lounges worldwide, including around a dozen in Australia. Plus, you can claim a $36 food & beverage credit whenever you fly at airport bars & restaurants that participate in Priority Pass! There are around 30 of these in Australia, including at Sydney, Melbourne, Perth, Brisbane, Adelaide, Canberra, Townsville and Gold Coast airports.
If you’re travelling with someone, your guest can also get $36 worth of free food and drinks. You can use this benefit both before and after your flight.
By comparison, a Priority Pass Prestige membership comes with unlimited lounge visits for the member and costs USD469 annually, or around ~AU$728 at the current exchange rate.
The annual fee on the Citi Prestige card is actually lower than this, and you don’t have to pay extra for guests – each person who enters the lounge with you just comes out of your 15 included annual visits. But you do only get 15 annual lounge entries with the Citi Prestige card (from 1 August 2025), so this might not be as suitable for heavy users.
Considering the $700 annual fee, the Citi Prestige card doesn’t have a great deal of earning power as a points-earning credit card. You’ll earn the equivalent of 0.5 Velocity points, 0.4 KrisFlyer miles or 0.33 Qatar Avios per dollar spent on the card. But you will earn 2-3x more points when spending with major airlines, hotels, restaurants, supermarkets and petrol stations, as well as when shopping online or overseas.
The Citi Prestige card also offers various other travel benefits including international travel insurance, the fourth night free on Luxury Escapes bookings and cash back with Uber Premier.
The Citi Prestige Card
- Card Name
- Citi Prestige Card
- Earn
- 1
- Signup Bonus
-
Up to 200,000 bonus Velocity Points¹
Apply by 28th Aug 2025
- Annual Fee
- $700 p.a. ongoing
- Read more
- View Offer
on everyday purchases
American Express Platinum
With a $1,450 annual fee, the American Express Platinum charge card is not exactly a cheap option. But its lounge access coverage is seriously impressive.
In addition to many other benefits, this card comes with unlimited access to the following lounges in the American Express Global Lounge Collection for the cardholder and a guest:
- Priority Pass lounges (excluding airport restaurant locations)
- Plaza Premium lounges
- Virgin Australia lounges (when flying Virgin Australia domestically)
- Delta Sky Clubs (when flying Delta, within three hours of departure or arrival)
- Lufthansa Business Lounges (when flying Lufthansa, SWISS or Austrian Airlines in Economy or Premium Economy)
- Lufthansa Senator Lounges (when flying Lufthansa, SWISS or Austrian Airlines in Business Class)
- Amex Centurion lounges
- American Express international lounges
- Escape Lounges
- Airspace Lounges
You can see a full list here of the airport lounges available in Australia to Amex Platinum cardholders.
The American Express Platinum Business charge card also comes with some great airport lounge benefits.
HSBC Star Alliance
The HSBC Star Alliance credit card is unique in that it offers an easy fast-track to Star Alliance Gold status. This gets you lounge access whenever you fly with Star Alliance airlines such as Singapore Airlines, Air New Zealand, Thai Airways, Turkish Airlines and Air Canada!
Get Star Alliance Gold status without flying…
- Card Name
- HSBC Star Alliance Credit Card
- Earn
- 1
- Signup Bonus
-
Fast Track to Star Alliance Gold Status
- Annual Fee
- $0 in the first year, $499 p.a. thereafter
- Read more
- View Offer
on everyday purchases
American Express Centurion
For those lucky enough to be invited to apply, the unadvertised Amex Centurion card offers some serious airport lounge benefits. However, with a $5,000 initiation fee and $6,500 annual fee, the Amex Centurion card is certainly not for everyone.
In addition to many of the same lounges available to Amex Platinum cardholders, Amex Centurion members in Australia can access Qantas Club lounges.
Credit cards offering complimentary Qantas Club invitations
There are also a range of credit cards that offer single-entry lounge invitations.
The following credit cards offer 2x annual Qantas Club lounge invitations:
- Qantas American Express Premium
- Westpac Altitude Qantas Black
- St.George Amplify Qantas Signature
- Qantas Premier Platinum
- ANZ Frequent Flyer Black
- Qantas American Express Ultimate
- American Express Qantas Business Rewards
- Qantas Premier Titanium (this card also provides 2x annual Qantas First Lounge invitations)
Also keep in mind that you receive complimentary Qantas Club if you’re a Qantas Points Club Plus member. You need to earn at least 350,000 Qantas Points during your membership year, with at least 330,000 from non-flying activities, to reach this milestone. A few good Qantas credit card sign-up bonus points offers could really help with that!
Credit cards offering complimentary Virgin Australia Lounge passes
These credit cards come with 2x free annual Virgin Australia Lounge passes:
- American Express Velocity Business
- Virgin Money Velocity High Flyer
- Westpac Altitude Velocity Black
Credit cards offering complimentary Amex Centurion Lounge visits
A selection of Australian-issued American Express cards also offer two complimentary visits each calendar year to the Amex Centurion Lounges in Sydney or Melbourne.
These cards include:
- American Express Business Explorer
- American Express Explorer
- American Express Platinum Reserve
- Qantas American Express Ultimate
- American Express Corporate Platinum
- American Express Qantas Corporate Platinum
Credit cards offering two complimentary Priority Pass lounge visits each year
The following credit cards provide the cardholder with complimentary Standard Priority Pass membership, with two included annual lounge visits. Further visits and guests are charged at the normal rate of USD35 (~AU$55) each.
- Westpac Altitude Black (with Altitude Rewards)
- St.George Amplify Signature
- Citi Premier
- Citi Premier Qantas
The BOQ Specialist Signature card offers four free annual Priority Pass lounge visits, with a free guest included on each visit.
In addition, the CommBank Ultimate Awards card includes two annual DragonPass lounge entries, which can be used at lounges including the new Escape Lounge in Cairns. And the HSBC Platinum card comes with two annual LoungeKey airport lounge visits.
Disclaimer: This article is not intended as financial advice. Consider your personal circumstances before applying for any type of credit.
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