Best 6 Credit Card with Free lounge Access in Malaysia (2025 Guide)

Getting into an airport lounge before your flight used to sound like something only first-class flyers or business execs could afford. But not anymore. These days, with more and more credit cards that offer lounge access, you don’t need to spend a fortune just to enjoy a quiet space, snacks, Wi-Fi, and a comfy seat before takeoff.

In fact, some of the best airport lounge access credit cards in Malaysia are entry-level and affordable — and they still get you into premium lounges across KLIA, Penang, Changi, and other major airports around the world.

In this article, we’ll walk you through 6 popular credit cards with lounge access available in Malaysia, highlighting what each one offers, how many free visits you’ll get, and which card fits your travel style best.

What to Consider When Choosing a Airport Lounge Access Credit Card?

Before we jump on just any credit card that promises lounge access, let’s take a quick pause.

Not all credit cards with lounge access are built the same. Some give you just enough perks to feel like a VIP once or twice a year, while others pack in full-blown premium travel benefits (but come with a price tag to match). The trick is figuring out which one fits your travel vibe and your wallet.

Here’s what you need to keep in mind before applying, so you don’t end up paying more than you actually need. 

1. How Many Free Lounge Visits Do You Get?
2. Where and How Can You Use It?
3. What’s the Annual Fee Like?
4. Can You Bring a Guest?
5. Any Extra Perks other than airport lounge access?
6. Any Hidden T&Cs that you need to fulfill?

Having these factors bear in mind, and we will look into which Airport Lounge Credit Card is best fit for you.

Which Credit Card Offers Free Access to Airport Lounges?

Credit cards come in all shapes and sizes, and each type brings its own set of perks. There are different income requirements when you apply for credit cards. Some cards are suitable for entry-level users and some offer premium benefits like the VIP passes of the credit card world.

You’ve got cashback cards that help you save on everyday spending, rewards cards that rack up points for gifts and vouchers, travel cards that unlock things like free flights and lounge access, and even low-interest cards for easier bill management. Picking the right credit card isn’t just about spending — it’s about finding the one that fits your lifestyle and gives you the most back in return. 

We have shortlisted 6 best credit cards that offer free access to the airport lounge for users who have an income level range from RM2,000 to RM7,000.

1. CIMB Travel Platinum Credit Card

Best for: Budget travelers who still want a travel upgrade

🎟️ Free Lounge Visits: 4x per year (to 150+ selected Plaza Premium Lounges Worldwide)

💰 Annual Fee: Free for life

💼 Min. Income: RM2,000 /month

⚠️Requirements:

• 1X lounge access per quarter with minimum quarterly spend of RM3,000
• Flight tickets must be purchased with this credit card.

✨ Extras: 

• Travel insurance up to RM1 million
• 5X Bonus Points on Overseas, Airlines and Duty Free stores for every RM1 spend
• Air mile and hotel redemption flexibility

Verdict:

If you do not travel as frequently and want a no-annual-fee card that still gives you lounge vibes, this one’s a steal. This CIMB Travel Platinum card is perfect for light travelers who want that VIP touch without spending extra. Not many cards at this level come with free lounge access — so this one’s a pleasant surprise.

This credit card is literally just focused on travel benefits, the best entry level card for free lounge access. It is a great choice for young working professionals who are just starting their careers and start travelling. 

2. AEON Gold Visa Card

Best for: AEON regular who want some comfort at KLIA

🎟️ Free Lounge Visits: 3x per year at Plaza Premium Lounge (Malaysia only)

💰 Annual Fee: RM95 (waived on 1st year) / waived with min. 12 transactions per year

💼 Min. Income: RM3,000 /month

⚠️Requirements:

• Min. spend of RM500 within 30 days (before & after) of the lounge access day.

✨ Extras: 

• Travel Insurance up to RM200,000
• 8% Cashback when you spend during AEON and AEON BiG Thank You Day
• 5% Cashback on Dining, capped at RM25.

Verdict: 

If you’re already an AEON shopper, this card is kind of a no-brainer. You get lounge access at KLIA and AEON perks all in one place. It’s a great dual-purpose card for everyday spending and the occasional flight.

The high cash back benefit on AEON expenses are best suitable for budget-conscious users who love cashback, savings, and getting rewards on daily spending.

3. HSBC TravelOne Card

Best for: Millennials who love travel hacks and mobile perks

🎟️ Free Lounge Visits: 6x per year (Plaza Premium Lounge of KLIA1, Singapore Changi Airport & HK International Airport)

💰 Annual Fee: RM300 (waived on 1st year) / waived with RM20,000 spend /year

💼 Min. Income: RM5,000 /month

⚠️Requirements:

• 6 lounge access are shared between Principal & Supplementary Card
• Limited to 1 access for each Principal & Supplementary per day

✨ Extras: 

• Complimentary travel insurance coverage of up to USD 250,000
• Get Agoda discounts on worldwide hotel bookings
• Points redeemable to air miles 

Verdict: 

The all-rounder card that’s perfect for young professionals with travel goals. Flexible, mobile-friendly, and packed with enough lounge visits and points to feel like a frequent flyer even if you’re just flying twice a year.

4. RHB World Mastercard Credit Card-i

Best for: Frequent travelers that are in the mid-income group who want high values.  

🎟️ Free Lounge Visits: 6x per year (Plaza Premium Lounge)

💰 Annual Fee:  Free for Life

💼 Min. Income: RM6,667 /month

⚠️Requirements:

• Get 1st access upon card activation
• Minimum spend of RM500 in the past calendar month to earn lounge access.

✨ Extras: 

• Travel insurance up to RM600,000
• 6% cashback on your local dining, petrol and travel spending
• Complimentary green fees at selected golf clubs
• High cashback for overseas spending

Verdict: 

Ideal for mid-income travelers who want full-service travel benefits with lounge access baked in. The free annual fee for life makes it pretty worth it to use compared to other cards that offer the same benefits. Also, with a low spending requirement of just RM500, you can easily get entitled to lounge access.

In addition, not limited to just free airport lounge access, this credit card offers other benefits such as cashback as well. It is best fit for lifestyle users and those who play golf as it offers complimentary green fees at some of the best golf clubs in Malaysia such as Tropicana Golf & Country Resorts, Palm Garden Golf Club, etc.

5. AmBank Visa Signature Card

 Best for: Travel lovers who want solid lounge perks without going premium

🎟️ Free Lounge Visits: Up to 6x per year (Plaza Premium)

💰 Annual Fee: Free for Life 

💼 Min. Income: RM6,667 /month

⚠️Requirements:

• Spend a minimum of RM1,000 within 30 days before or after the lounge access

✨ Extras: 

• Complimentary Travel Insurance up to RM1 million 
• 3x AmBonus Points for overseas spend, redeemable for air miles
• Enjoy 50% off on green fees at 6 selected golf clubs
• Available for Apple Pay
• 50% off on dining and accommodation at Club Marriott in Malaysia

Verdict: 

If you’re okay with tracking your spending a bit, this card gives you up to 6 cozy escapes from airport chaos every year — plus lower entry fees after that. Not bad for a credit card in this range.

6. Alliance Visa Infinite

Best for: High spending users who want international lounge access.

🎟️ Free Lounge Visits: 2x per year at Plaza Premium Lounge, 1x Travel Club Lounge

💰 Annual Fee: RM438 (waived on 1st year) / waived with RM12,000 spend /year

💼 Min. Income: RM5,000 /month

⚠️Requirements:

• No spending requirements for lounge access.
• Capped at 2x per year and cannot be carried forward to next calendar year.

✨ Extras: 

• 5x Timeless Bonus Points (TBP) for overseas spending
• 0% Flexi Payment Plan for travel

Verdict: 

This is your upgrade if you’re already flying multiple times a year and want international lounge access without jumping to premium cards. It’s sleek, powerful, and ideal for frequent flyers who don’t mind a higher spend.

As it offers only limited 3x lounge access but without spending requirements, this card is like an extra bonus on top of your other travel credit cards. 

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Airport lounge access credit cards for high-income earners

When you’re flying often — whether for business or leisure — having access to premium airport lounges isn’t just a perk, it’s part of the experience. For high-income earners, the right airport lounge access credit card goes beyond just free coffee and Wi-Fi. It’s about first-class comfort, global lounge networks, priority services, and travel protection that matches your lifestyle.

In this section, we’ll highlight the top credit cards with lounge access designed for high earners earning between RM8,000 to RM12,000 — cards that offer unlimited lounge entries, exclusive privileges, and all the extra perks that turn every trip into a smooth, luxurious journey.

Maybank Visa Infinite: Visa Airport Speed Pass

The Maybank Visa Infinite offers 5x complimentary yearly access to Plaza Premium Lounge, both local and international. The best travel perk with this credit card is the Visa Airport Speed Pass, which lets you skip the long lines at immigration in over 280 international airports.

If you are a golf lover and often have your golf trips all over the world, this card is best suited for you. Maybank VISA Infinite offers complimentary green fees at 20 golf clubs in Malaysia and 80 golf clubs overseas! 

• Monthly Income: RM8,333 
• Annual Fee: RM800 (waived with minimum spend of RM80,000 per annum)
• Free Lounge Visits: 5x per year (Plaza Premium Lounge)
• Other Benefits:
  • Travel Insurance up to RM2 million
  • Up to 40% off dining in Marriott Bonvoy Participating Hotels and Resorts in Malaysia
  • High TreatsPoints to earn Air Miles

RHB Premier Visa Infinite: Unlimited Access to Plaza Premium Lounges/Aerotel

If a basic travel credit card is not enough for you, consider taking the “Pro” version of RHB Credit Card – RHB Premier Visa Infinite. With this credit card, Cardholders can enjoy unlimited access to selected Plaza Premium Lounges and Aerotel airport hotels worldwide, including locations such as Malaysia, Singapore, Indonesia, Hong Kong, Taiwan, the Philippines, Australia, Cambodia and the UK. 

To qualify, you will need to spend a minimum annual retail spend of RM100,000. Alternatively, with a monthly retail spend of RM1,000, you would still receive up to 12 complimentary lounge visits per calendar year.

• Monthly Income: RM12,500 
• Annual Fee: Free for Life
• Free Lounge Visits: Unlimited / 12x per year (Plaza Premium Lounge)
• Other Benefits:
  • Complimentary Green Fees at Selected Golf Clubs in Selangor
  • 8x Reward Points on all overseas retail spending
  • Travel Insurance up to RM2 million
  • Air Miles Redemption for airline vouchers from over 40 different airlines

One thing about this card, it is exclusive by invitation only and only eligible for RHB Premier Banking Members who fulfill the requirements. If you are not sure whether you can apply for it, check with your banker now!

Comparison Table: Quick Look at the Best Lounge Access Cards

Here’s a quick summary of the top credit cards offering free airport lounge access in Malaysia. Whether you’re a casual traveler or a frequent flyer, this table makes it easier to spot which card fits your spending style, travel habits, and lifestyle needs.

Other Travel Perks You Should Know About

1. Travel Insurance

Many lounge access cards also bundle in complimentary travel insurance when you charge your flight tickets to the card. This usually covers things like trip cancellations, lost baggage, delayed flights, and even overseas medical emergencies. With free travel insurance, you just need to use the particular credit card when you purchase the flight and you will automatically be entitled to all the coverage.

2. Points-to-Air Miles Conversion

Many cards let you convert your reward points into air miles with airline loyalty programs like Enrich (Malaysia Airlines) or KrisFlyer (Singapore Airlines). This means every ringgit you spend could be taking you closer to a free flight, an upgrade, or even business class seats — perfect for smart travelers who love stacking up rewards.

3. Airport Speed Pass Privileges

Cards that offer Airport Speed Pass (like the Visa Airport Speed Pass) let you fast-track through immigration at selected international airports. No more standing in endless queues after a long-haul flight — you’ll breeze through and get to your hotel (or the beach) faster.

4. High Cashback on Overseas Spending

Some cards reward you with higher cashback rates when you spend overseas — whether it’s shopping in Tokyo, dining in Paris, or booking hotels abroad. This is perfect if you travel often and prefer to use credit cards when spending overseas as you do not need to carry so much cash together.

5. Discount on Hotels & Resort Bookings

Some travel credit cards often come with exclusive discounts for hotel stays and luxury resort bookings through their partners. Some even offer you for free room upgrades, late checkouts, or special offers if you use the credit cards to do booking.

Choosing the right travel card isn’t just about getting into airport lounges — it’s about stretching your travel budget further, earning rewards faster, and making every part of your journey smoother and more enjoyable.

FAQs

1. Which Malaysian Credit card gives unlimited airport lounge access?

Ans: If you are high income earners that travel a lot, RHB Premier Visa Infinite gives unlimited access to airport lounge with minimum annual retail spend of RM100,000.

2. Can supplementary cardholders use free lounge access too?

Ans: It depends on the card. Some cards, like the RHB World MasterCard, extend lounge access benefits to supplementary cardholders. However, many basic travel cards limit lounge perks only to the main cardholder, so it’s important to check the specific terms before applying.

3. Can I access lounges outside Malaysia with these cards?

Ans: Yes, but not all cards offer international access. If the card only partners with Plaza Premium Lounge Malaysia, then your access may be limited to local airports like KLIA or Penang International.

4. Can I use others’ credit cards for lounge access?

Ans: No. The only person who can access the lounge is the person named on the eligible Mastercard payment card. To use a credit card for lounge access, you will need to provide your boarding pass and identification card for verification. Some lounges also limit the time period you can enter the lounge, typically: 3 hours before your boarding time.

Conclusion: Which Card Should You Pick?

There is no best credit card but you can choose the card that best suited your spending habits and which benefits that you want the most.

If you are a frequent flyer that unlimited lounge visits are your top priority, premium travel cards are the way to go. However, these premium cards often come with higher income requirements and minimum spending conditions. Make sure you are able to achieve the requirements before applying.

On the other hand, if you are looking for the best all rounders pick, RHB World Mastercard would be your best option. It offers 6x complimentary access at a free annual fee, an obvious advantage as compared to other credit cards. Only minimum spending of RM500 is required to be entitled and the card also offers cashback, travel insurance and complimentary green fees for golf all at once.