Credit Cards with Lounge Access

$1,200 annual fee
Offer
150,000 Qantas points
4 visits/year · Qantas First, Qantas Club
2 single-entry Qantas First Lounge Invitations (SYD, MEL, LAX) plus 2 Qantas Club domestic/International Business Lounge invitations per anniversary year; link the invitation to your flight before travel.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
$395 annual fee
OfferTargeted
100,000 American Express points
2 visits/year · The Centurion Lounge
Two complimentary entries per calendar year to The Centurion Lounge at Sydney or Melbourne International Airports; children 17 and under enter free, additional guests may be charged
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

Read my analysis
Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
15 visits/year · Priority Pass
Complimentary Priority Pass membership with 15 airport lounge visit entitlements per 12-month period for the primary cardholder, shared with accompanying guests (one entitlement per person per visit); must enrol at prioritypass.com/prestigeaumc
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
2 visits/year · Priority Pass
Complimentary digital Priority Pass Standard Membership for the primary cardholder with 2 complimentary lounge visits per 12-month membership year (1,700 lounges worldwide); must enrol at prioritypass.com/premieraumc; additional and guest visits charged at standard rates
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
2 visits/year · Priority Pass
Complimentary digital Priority Pass Standard Membership for the primary cardholder with 2 complimentary lounge visits per 12-month membership year (1,700 lounges worldwide); must enrol at prioritypass.com/premieraumc; additional and guest visits charged at standard rates
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
2 visits/year · Priority Pass
Complimentary digital Priority Pass Standard Membership with 2 complimentary lounge visits per 12-month membership year for the primary cardholder; must enrol at prioritypass.com/premieraumc to activate. Additional and guest visits charged at standard rates.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $770
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
15 visits/year · Priority Pass
Complimentary Priority Pass membership with 15 lounge visit entitlements per 12-month period, shared between the primary cardholder and accompanying guests (one entitlement per person per visit); primary cardholder must enrol at prioritypass.com/prestigeaumc to activate
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
15 visits/year · Priority Pass
Complimentary Priority Pass membership with 15 airport lounge visit entitlements per 12-month period for the primary cardholder, shared with accompanying guests (one entitlement per person per visit); must enrol at prioritypass.com/prestigeaumc
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$425 annual fee
Offer
90,000 Qantas points
2 visits/year · Qantas Club
Two complimentary Qantas Club lounge invitations per 12-month period (single visit each, domestic, international or international business lounge); also includes a joining fee waiver and discount on a 1-year individual Qantas Club membership. Redeem via the ANZ Aspire lounge invitation redemption form or by calling ANZ Personal Concierge on 1300 580 765.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.

Est. profit $1,215
Read my analysis
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
120,000 Qantas points
2 visits/year · Qantas Club Domestic, Qantas operated International Business Lounges
2 single-entry complimentary lounge invitations per anniversary year for domestic Qantas Club lounges or Qantas operated International Business Lounges (excluding LA Tom Bradley Terminal); invitation can be linked to a passenger travelling with the primary cardholder on the same booking
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $1,571
Read my analysis
$0 annual fee
Offer
60,000 Commbank points
2 visits/year · Mastercard Travel Pass (DragonPass)
Two complimentary airport lounge visits each calendar year per account via Mastercard Travel Pass provided by DragonPass (over 1,300 lounges worldwide); must register the card at mastercardtravelpass.dragonpass.com to generate a membership QR code; each visit usable by primary cardholder or guest
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
100,000 Westpac points
2 visits/year · Priority Pass
2 complimentary Priority Pass airport lounge visits per 12-month period for the primary cardholder (one may be used by an accompanying guest); requires enrolment at prioritypass.com/westpacblack; unused visits do not carry forward and further visits incur the Priority Pass member/guest fee
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$0 annual fee
Offer
40,000 Commbank points
Mastercard Travel Pass, DragonPass
Access to over 1,300 airport lounges worldwide for a per-visit fee via Mastercard Travel Pass provided by DragonPass; must register the card on the Mastercard Travel Pass app to generate a membership QR code; a lounge visit fee applies for the cardholder and each guest each visit
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
90,000 Qantas points
2 visits/year · Qantas Club
2 complimentary Qantas Club lounge invitations per 12-month period; must register the card at loungepass.stgeorge.com.au and have made a transaction over $1 in the last 12 months
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
2 visits/year · Priority Pass
Amplify Rewards cardholders get 2 complimentary Priority Pass lounge visits each year; primary cardholders only, must enrol at prioritypass.com/amplifysignature; extra and guest visits charged to the card
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$1,450 annual fee
OfferTargeted
225,000 American Express points
The Centurion Lounge, Escape Lounges, Priority Pass, Plaza Premium, Delta Sky Club, Virgin Australia Domestic Lounges
Access to 1,550+ airport lounges in 500+ airports across 140 countries via the American Express Global Lounge Collection, including The Centurion Lounge, Escape Lounges, Priority Pass Lounges, Plaza Premium Lounges, Delta Sky Club (when flying Delta) and Virgin Australia Domestic Lounges (when flying Virgin Australia). Access policy changes apply from 8 July 2026 (Centurion) and 1 October 2026 (Plaza Premium and Priority Pass).
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
$440 annual fee
Offer
50,000 Velocity points
Virgin Australia Lounge
Virgin Australia Lounge access at select domestic airports every time you fly Virgin Australia domestically; enrolment in the VA Lounge Access benefit required, plus 2 complimentary Virgin Australia Guest Lounge Passes each Membership year
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires a month ago (2026-04-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $795
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
4 visits/year · Qantas Club, The Centurion Lounge
Two Qantas Club complimentary lounge invitations each year (after first Card spend on selected Qantas products/services), plus two complimentary entries per year to The Centurion Lounge at Sydney or Melbourne International Airport
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
2 visits/year · Qantas Club
2 complimentary Qantas Club lounge invitations per 12-month period after registering the card and spending on selected Qantas products and services; register at loungepass.altitudeblack.com.au
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,165
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
2 visits/year · Qantas Club
2 complimentary Qantas Club lounge invitations per 12-month period after registering the card and spending on selected Qantas products and services; register at loungepass.altitudeblack.com.au
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
$450 annual fee
Offer
50,000 Qantas points
4 visits/year · Qantas Club, The Centurion Lounge
Two Qantas Club complimentary lounge invitations each year (after first Card spend on selected Qantas products/services), plus two complimentary entries per year to The Centurion Lounge at Sydney or Melbourne International Airport
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$450 annual fee
Offer
50,000 Qantas points
2 Qantas Club Lounge Invitations each year after first Card spend on selected Qantas products and services
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
$195 annual fee
Offer
70,000 Velocity points
LoungeKey
Complimentary Delayed Flight Lounge Pass: when a registered flight is delayed more than 60 minutes, a lounge access voucher is emailed for the cardholder plus up to 4 travel companions at select LoungeKey airport lounges (or a dollar credit off dining where no lounge is available); flights must be registered in advance via the NAB service website
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $995
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
2 visits/year · Virgin Australia Domestic Lounge
Two complimentary single-entry Virgin Australia Domestic Lounge passes per year; requires Velocity Frequent Flyer number provided to Westpac and a direct spend with Virgin Australia each year; passes appear in the Velocity account within 10 business days and are valid 12 months
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
2 visits/year · Virgin Australia Domestic Lounge
Two complimentary single-entry Virgin Australia Domestic Lounge passes per year; requires Velocity Frequent Flyer number provided to Westpac and a direct spend with Virgin Australia each year; passes appear in the Velocity account within 10 business days and are valid 12 months
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
Craig

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— Craig