Free Airport Lounge Access Credit Cards in NZ

Free Airport Lounge access credit cards (credit cards with lounge access) are cards that allow you free or discounted access to airport lounges. These credit cards are often prestigious, top-of-the-range credit cards that come with several other perks such as complimentary travel insurance and airpoints, but keep in mind that these cards also come with higher than usual annual fees to make up for all the benefits offered. Compare credit cards with airport lounge access below to find the best credit card for lounge access.

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Updated: 28 Apr, 2025

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Compare Free Airport Lounge Access Cards in NZ

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
The American Express Airpoints Platinum Card Platinum Award (Personal)	This card is the FASTEST Airpoints Dollar^TM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025. Other benefits include: Complimentary Travel Insurance for domestic and international travel, waived Koru joining fee, Koru annual fee discount of $145, Two VIP Lounges access with Priority Pass per year and more. Reward Points Cash Equivalent: $100 spend earns $1.42 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$195.00	55 days More Info » Apply Now » No documents required to apply¹
Westpac Hotpoints World MasterCard Credit Card Gold Award (Personal)	Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^.	16.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
Westpac Airpoints World MasterCard Credit Card Gold Award (Personal)	This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 5.95% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^.	16.95%	5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

Benefits of Airport Lounge Access Credit Cards

Comfort and Relaxation

Airport lounges are designed to be a respite from the more chaotic aspects of air travel. For travelers seeking a nicer waiting area before their flight, airline lounges can be a huge plus. Airport lounges usually offer more comfortable, spacious seating and may have faster Wi-Fi, and can be quieter than the terminal at the airport. An Airport lounge credit card can help you get access to these airport lounges for free.

Complimentary Food and Drinks

A free lounge access credit card provides access to airport lounges that offer complimentary food and beverages to their guests, so visiting one is an easy way to save money instead of having to purchase expensive airport food. The more premium lounges even offer a la carte dining options, shower suites, nap rooms, and spa services. This is one of the reasons why airport lounge access cards are so popular with frequent flyers.

Additional Amenities

Some of the best credit cards with lounge access grant you access to hig-end Airport lounges which offer unique amenities like cycling rooms, showers, and complimentary massages. Access to airport lounges has become a popular perk with premium credit cards such as those offered by American Express (most frequent flyers would have heard of American express airport lounges).

How to Choose the Right Credit Card for Airport Lounge Access

Watch out for the Annual Fees

When choosing the best credit card for lounge access don’t forget to consider the annual fees associated with the card. While some cards may have amazing perks they can come with a substantial annual fee which might still be worth it depending on the benefits offered. Check if the benefits justify the annual fee.

Check the Lounge Network Coverage

Different credit cards offer access to different lounge networks. For instance, some cards provide access to Priority Pass lounges, while others may offer entry to airline-specific lounges (airline lounge access credit cards). It is important to identify which lounges/airports you frequent the most and choose the best airport lounge access credit card that grants access to those lounges.

What other benefits are offered?

Beyond lounge access, many travel credit cards with lounge access offer additional benefits such as travel insurance, concierge services, and bonus points. Consider these extra benefits when determining the best travel credit card with lounge access for your needs.

Choosing the right credit card for lounge access involves a comprehensive evaluation of the card’s annual fees, lounge network coverage, and additional perks. By carefully assessing these factors, you can find the best card for airport lounge access that aligns with your travel habits and preferences.

Comparing Lounge Access Programs

Priority Pass

Priority Pass is one of the most extensive lounge access programs available. As of this writing it offers access to over 1,500+ lounges worldwide. This program is often included with premium travel credit cards. Members can enjoy a variety of amenities such as complimentary food, beverages, and Wi-Fi.

LoungeKey

LoungeKey is another collection of lounges sometimes offered with credit cards. It provides access to a wide range of lounges globally, similar to Priority Pass. However, the specific lounges available may differ, so it’s essential to check the network coverage before making a decision.

Airline-Specific Lounges

Many airlines offer their own lounge access programs, which can be beneficial if you frequently fly with a particular airline. These lounges often provide exclusive amenities tailored to the airline’s passengers. Membership can be obtained through elite status, purchasing a membership, or holding a co-branded credit card.

When comparing lounge access programs, consider the number of lounges available, the quality of amenities, and the ease of access. This will help you determine which program best suits your travel needs.

Tips for Maximising Your Lounge Access Benefits

Use Multiple Cards

One effective strategy to maximise your lounge access benefits is to use multiple credit cards that offer lounge access. This can provide you with a broader range of lounges to choose from, ensuring you always have a comfortable place to relax, regardless of the airline or airport.

Traveling During Off-Peak Hours

Traveling during off-peak hours can significantly enhance your lounge experience. Lounges are typically less crowded during these times, allowing you to enjoy the amenities without the hustle and bustle of peak travel periods. Consider scheduling your flights during early mornings, late evenings, or mid-week to take advantage of this.

Take Advantage of Additional Services

Many airport lounges offer additional services that can make your travel experience even more enjoyable. These can include spa treatments, showers, and business centers. Make sure to inquire about and utilise these services to get the most out of your lounge access.

Remember, the key to maximising your lounge access benefits is to be aware of all the perks available to you and to plan your travel accordingly.

Alternative Ways to Access Airport Lounges

Day Passes

Day passes are a convenient option for travelers who do not have a membership or a credit card that offers lounge access. These passes can often be purchased directly at the lounge or online through the lounge’s website. Prices for day passes vary depending on the lounge and the airport, but they generally range from $25 to $75 per visit but some can cost a lot more than that.

Airline Memberships

Many airlines offer membership programs that provide access to their network of lounges. These memberships can be particularly beneficial for frequent flyers who prefer a specific airline. Membership fees can be paid annually and often come with additional perks such as priority boarding and extra baggage allowance.

Lounge Access with Certain Tickets

Certain premium tickets, such as first-class or business-class tickets, often include complimentary lounge access. This benefit is typically available on both domestic and international flights. It is advisable to check with the airline to confirm if your ticket includes this benefit.

For those who do not travel frequently enough to justify a membership or a credit card with lounge access, day passes and certain premium tickets offer a cost-effective way to enjoy the benefits of amex airport lounges.

Common Misconceptions About Airport Lounge Access

Lounge Access is only for Frequent Flyers

One common misconception is that airport lounge access is exclusively for frequent flyers. While it is true that airlines often provide lounge access to their elite members, there are several other ways to gain entry. Many travel credit cards offer complimentary lounge access as a perk, and some lounges even sell day passes or memberships to occasional travelers. Credit cards for lounge access have indeed become very popular and one of th most common way to get free airport lounge access.

All Lounges Offer the Same Amenities

Another myth is that all airport lounges provide the same amenities. In reality, the quality and range of services can vary significantly from one lounge to another. Some lounges offer extensive food and drink options, showers, and even spa services, while others may provide more basic amenities like comfortable seating and Wi-Fi.

High Annual Fees are Not Worth It

Many people believe that the high annual fees associated with premium credit cards offering lounge access are not worth the cost. However, if you travel frequently, the benefits can quickly outweigh the fees. Complimentary food and drinks, a quiet place to relax, and additional services like Wi-Fi and showers can make your travel experience much more enjoyable – not to mention the other benefits that often come with these cards such as complimentary travel insurance and reward points.

Understanding the true value of airport lounge access can help you make an informed decision about whether it is worth it for you or not. Don’t let common misconceptions deter you from exploring this valuable travel benefit.

Alternatives to Free Airport Lounge Credit Cards

Although credit cards with airport lounge access can be great, there are unfortunately not many of these cards available in New Zealand so you might want to consider alternatives such as discounted Koru membership credit cards, Travel credit cards, Airpoints credit cards, Frequent Flyer Credit Cards and Rewards credit cards.

We’ve also put together a list of the best credit cards in NZ to help Kiwis find the right credit card, alternatively you can browse through all NZ Credit Cards on our website and use the filters to find a suitable card.

Frequently Asked Questions

What is the best credit card for lounge access

The best credit card for airport lounge access in New Zealand depends on your personal needs and how often you travel. A couple of Westpac credit cards offer Priority pass membership which gives you access to many lounges across the globe, the American Express Airpoints Platinum Card also offers access to 2 Priority pass lounges per year plus 2 passes to the Amex centurion lounges in Sydney and Melbourne international airports.

What is a credit card with airport lounge access

A credit card with airport lounge access is a credit cards that gives you access to airport lounges as a benefit of owning the credit card. The best credit cards for lounge access often give you access to indepedent airport lounge networks as well as their own network of lounges.

Should I have multiple cards with lounge access?

Having multiple cards with lounge access can give you access to a larger number of airport lounges but keep in mind most of these credit cards charge an annual fee.

Are there any credit cards with airline lounge access

Airlines usually reserve their lounges to their members for first class or business class passengers for their flights or partner flights. In rare cases some credit cards might work out a deal with an airline to grant acccess to their lounges. Credit cards usually only grant access to independent airport lounges and their own lounges.

What is an airport lounge pass?

An airport lounge pass is a ticket that grants you access to an airport lounge, where you can enjoy amenities like complimentary food and drinks, comfortable seating, and sometimes even spa services.

Are all airport lounges the same?

No, not all airport lounges are the same. They can range from basic to ultra-luxurious, and the amenities offered can vary significantly from one lounge to another.

What is the best credit card for airport lounge access

The best airport lounge credit card depends on your needs and the destinations you regularly travel to and from. For example, getting a credit card which gives you access to a large number of airport lounges around the world but fails to give you access to airport lounges at your local airport or airports which you frequently visit is not going to be of much use. The best credit cards for airport lounge access are the ones that give you access to lounges which you are going to use often.

Are high annual fees for credit cards with lounge access worth it?

The high annual fee for a credit card with free airport lounge access in nz can be worth it if you frequently use the lounge access and the other perks that come with the card. It’s important to evaluate the overall value you’ll get from the card.

Can I access airport lounges without a credit card?

Yes, you can access airport lounges without a credit card by purchasing day passes, having an airline membership, or through certain tickets that include lounge access. If you regularly travel you might find that it might be cheaper to use credit cards with free lounge access than pay the day pass fees or get an airport lounge access membership.

Is there any credit card with lounge access and no annual fee?

No, there are no credit cards with lounge access that charge no annual fee in New Zealand. Credit card lounge access is a major benefit that comes at cost to credit card provider so most credit cards with lounge access tend to charge an annual fee but might offer other benefits too such as free travel insurance.

Are there any credit cards with free lounge access in NZ?

Yes, all the cards on the page are credit cards that get you into airport lounges in some form or another. There are currently only a few cards with airport lounge access in New Zealand.

Can I use credit cards to access airport lounges?

Yes, many Platinum credit cards offer free airport lounge access as a benefit of owning the credit card. All the cards listed on this page provide free airport lounge access. Credit cards airport lounge access has become very common that some credit card providers such as Amex have built their own Airport lounges.

Do Visa Platinum cards offer free lounge access

Not all Visa platinum credit cards offer lounge access but some Visa platinum cards offer lounge access. Check the specific Visa Platinum card’s details to find out.

What are the best cards for airport lounge access

While some credit cards offer access to airport loungs there are other ways to acccess airport lounges such as joining independent airport lounge providers such as Priority Pass, LoungeKey, DragonPass and so on. Several airlines also offer memberships that grant you acccess to their airport lounges. In New Zealand, Air New Zealand offers the Koru membership which grants you access to their airport lounges.

Does Air New Zealand offer Koru lounge one day pass?

Unfortunately Air New Zealand does NOT offere one day passes to its Koru lounges however there are alternatives the Strata lounge in Auckland international airport, Manaia at Christchurch airport and Queenstown airport. Find out more about how to access airport lounges in New Zealand.

what credit cards get you into airport lounges

Only high-end credit cards offer airport lounge access for free. Any card with lounge access such as those featured on this page should clearly indicate this as a key benefit of the credit card. It is important to note that not all Platinum credit cards offer free airport lounge access.

Is it a good idea to use credit cards for airport lounges?

Using a credit card with free airport lounge access provides travelers with access to premium amenities and exclusive spaces while waiting for their flights. Credit Cards often provide access to credit card provider runned lounges and independent provider lounges but not Airline lounges. You can get access to airline lounges by either become a frequent flyer, flying first class or business class or joining the airlines membership program such as the Koru program run by Air New Zealand.

What are good credit cards for international lounge access

Most credit cards that offer airport lounge access as a benefit offer access to both both domestic and international lounges. All the credit cards listed on this page provide access to international lounges.

What are the best airport lounge access credit cards

The best credit card for airport lounges is subjective and depends on your needs and regular travel destination. All the credit cards listed on this page are credit cards that provide airport lounge access. Compare these credit cards to find the best airport lounge access credit card for you.

What is the best Free Airport Lounge credit card in NZ?

The best free airport lounge access credit card for you would depend on your personal circumstance and how you intend to use your credit card. There are only a handful Free Airport lounge access credit cards in New Zealand as shown on this page.