Credit Cards with Lounge Access

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. The American Express Platinum Card Referral Offer

American Express points

$1,450 annual fee

Referral offerHow referrals work

Offer

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)

Craig's Take

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

Estimated value after fees $1,408

Velocity flights

Read my analysis

2. Qantas Premier Titanium

Qantas points

$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's Take

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

Estimated value after fees $1,300

Qantas flights

Read my analysis

3. The American Express Velocity Platinum Card

Velocity points

$440 annual fee

Offer

70,000 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 in 2 days (2026-10-13)

Craig's Take

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

Estimated value after fees $1,241

Velocity flights

Read my analysis

4. Virgin Australia Velocity High Flyer Card

Velocity points

$349 annual fee

Offer

80,000 Velocity points

2 visits/year · Virgin Australia

Two single-entry Virgin Australia domestic Lounge passes each year (Primary Cardholders only); eligible upon card activation in the first year and each anniversary thereafter

Spend $7,000 in 60 days (~$3,500/mo)

Craig's Take

Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.

Estimated value after fees $1,229

Velocity flights

Read my analysis

5. The Qantas American Express Ultimate Card

Qantas points

$450 annual fee

Offer

70,000 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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

Read my analysis

6. The Qantas American Express Ultimate Card

Qantas points

$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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

Read my analysis

7. The Qantas American Express Ultimate Card Referral Offer

Qantas points

$450 annual fee

Referral offerHow referrals work

Offer

70,000 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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

Read my analysis

8. The Qantas American Express Ultimate Card Referral Offer

Qantas points

$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 a month (2026-11-17)

Craig's Take

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

Estimated value after fees $1,220

Qantas flights

Read my analysis

9. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$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's Take

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

Estimated value after fees $1,216

Velocity flights

Read my analysis

10.

10. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$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's Take

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

Estimated value after fees $1,216

Velocity flights

Read my analysis

11.

11. Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$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

Offer Expires in 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,123

Qantas flights

Read my analysis

12.

12. Westpac Altitude Velocity Black

Velocity points

$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's Take

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

Estimated value after fees $1,121

Velocity flights

Read my analysis

13.

13. Westpac Altitude Velocity Black

Velocity points

$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's Take

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

Estimated value after fees $1,121

Velocity flights

Read my analysis

14.

14. Westpac Altitude Qantas Black

Qantas points

$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)

Offer Expires in 17 days (2026-10-28)

Craig's Take

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

Estimated value after fees $1,028

Qantas flights

Read my analysis

15.

15. Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)

Qantas points

$399 annual fee

No Qantas credit card in past 24 monthsCheck my eligibility

Offer

80,000 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's Take

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

Estimated value after fees $1,011

Qantas flights

Read my analysis

16.

16. MyCard Premier

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's Take

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

Estimated value after fees $881

Velocity flights

Read my analysis

17.

17. MyCard Premier Velocity

Velocity points

$300 annual fee

Offer

60,000 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 $7,000 in 90 days (~$2,333/mo)

Craig's Take

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

Estimated value after fees $852

Velocity flights

Read my analysis

18.

18. CommBank Ultimate Awards Credit Card (with $4000 per month spend)

Commbank points

$420 annual fee

Offer

50,000 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's Take

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

Estimated value after fees $675

Coles gift cards

Read my analysis

19.

19. NAB Rewards Platinum Card with Velocity

Velocity points

$195 annual fee

Offer

40,000 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's Take

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

Estimated value after fees $514

Velocity flights

Read my analysis

20.

20. ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

50,000 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 $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Estimated value after fees $471

Qantas flights

Read my analysis

21.

21. MyCard Premier Qantas

Qantas points

$350 annual fee

Offer

40,000 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 $7,000 in 90 days (~$2,333/mo)

Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Estimated value after fees $346

Qantas flights

Read my analysis

22.

22. Westpac Altitude Rewards Black

Westpac points

$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's Take

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

Estimated value after fees $285

Krisflyer flights

Read my analysis