Credit Cards with Lounge Access

$1,200 annual fee
Offer
150,000 Qantas points
Two complimentary single-entry Qantas First Lounge Invitations and two additional single-entry Lounge Invitations per year for domestic Qantas Club or Qantas operated International Business Lounges (excluding LA Tom Bradley Terminal)
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
Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 5 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
Complimentary Priority Pass Membership with 15 lounge visits per 12-month period from registration, shared between primary cardholder and accompanying guests (1 visit entitlement per person per visit). Unused visits expire at end of each 12-month period. Visits can alternatively be used for AUD$36 off per person at selected airport restaurants. 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 complimentary Priority Pass lounge visits per 12-month membership period for primary cardholder across 1,700+ airport lounges worldwide. Must enrol at prioritypass.com/premieraumc and download the Priority Pass app. Alternatively, each visit entitlement can be used for AUD$36 off at selected airport restaurants. Additional visits and guest visits charged at Priority Pass 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 complimentary Priority Pass lounge visits per 12-month membership period for primary cardholder across 1,700+ airport lounges worldwide. Must enrol at prioritypass.com/premieraumc and download the Priority Pass app. Alternatively, each visit entitlement can be used for AUD$36 off at selected airport restaurants. Additional visits and guest visits charged at Priority Pass 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 complimentary lounge access passes per year to 1,700 airport lounges worldwide with Priority Pass.
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
Complimentary Priority Pass Membership with 15 lounge visits per 12-month period from registration, shared between primary cardholder and accompanying guests (1 visit entitlement per person). Unused visits expire at end of each period. Can also use visit entitlements for AUD$36 off the bill per person at selected airport restaurants. Must enrol at www.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 $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
Complimentary Priority Pass Membership with 15 lounge visits per 12-month period from registration, shared between primary cardholder and accompanying guests (1 visit entitlement per person per visit). Unused visits expire at end of each 12-month period. Visits can alternatively be used for AUD$36 off per person at selected airport restaurants. 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
$440 annual fee
Offer
70,000 Velocity points
Virgin Australia Lounge Access at select domestic airports every time you fly Virgin Australia domestically; enrolment required; additional 2 Virgin Australia Guest Lounge Passes per Membership year for friends or family.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires 5 days 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 $1,135
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
70,000 Qantas points
Two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 16 minutes (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
Read my analysis
$450 annual fee
Referral offerHow referrals work
Offer
70,000 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 16 minutes (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
Read my analysis
$450 annual fee
Offer
70,000 Qantas points
Two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 16 minutes (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
Read my analysis
$450 annual fee
Offer
70,000 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 16 minutes (2026-05-05)
Craig
Craig's Take

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

Est. profit $1,120
Read my analysis
$0 annual fee
Offer
40,000 Commbank points
Access to over 1,300 airport lounges worldwide for a fee via Mastercard Travel Pass provided by DragonPass. Cardholder must register on the Mastercard Travel Pass app or website and pay lounge visit fees per visit and for guests.
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
$425 annual fee
Offer
90,000 Qantas points
Two complimentary Qantas Club lounge invitations per year for ANZ Frequent Flyer Black cardholders, valid for Qantas Club and Qantas operated International Business Lounges only. Invitations are single-entry and valid for 12 months from issue.
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 single-entry lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, including complimentary food, beverages and Wi-Fi
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
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
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
$1,450 annual fee
OfferTargeted
200,000 American Express points
Access to over 1,400 airport lounges in more than 140 countries including 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).
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 4 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
$295 annual fee
Offer
90,000 Qantas points
2 complimentary Qantas lounge visits per year upon registration at loungepass.stgeorge.com.au and making a transaction over $1 in the last 12 months. Invitations valid for Qantas Club and Qantas-operated International Business Lounges excluding Los Angeles Tom Bradley Airport lounge.
Spend $6,000 in 120 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Good 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 complimentary Priority Pass lounge visits each year when enrolled at prioritypass.com/amplifysignature. Additional visits and guest visits incur fees charged to the card.
Spend $12,000 in 365 days (~$986/mo)
$99 first year annual fee, $295 thereafter
Craig
Craig's Take

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

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).
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. Good ongoing earn rate.

Est. profit $1,165
Read my analysis
$295 annual fee
Offer
100,000 Westpac points
2 complimentary Priority Pass airport lounge visits per year, one visit may be shared with a travel companion. Requires enrolment at prioritypass.com/westpacblack. Additional visits incur fees. Also, 2 Qantas Club Complimentary Invitations per year for Qantas Club and Qantas operated International Business Lounges (excluding some lounges) upon registration and eligible spend. Plus, 2 Virgin Australia Domestic Lounge Passes per year for Altitude Velocity Black cardholders with eligible spend and registration.
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
$295 annual fee
Offer
90,000 Qantas points
2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days.

Est. profit $1,070
Read my analysis
Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig