^For more information on winners check out the 2019 Mozo Experts Choice Awards for Rewards Credit Cards.
What to ask yourself when choosing a credit card with lounge access
Which lounges can I access?
You may have a particular airline you prefer or seen a friend’s post from a lounge you can’t stop dreaming about. If this is you, it’s important to know which lounge your credit card gives you access to. Some of the popular lounges available through credit cards are Virgin Australia, Priority Pass, Qantas Club and American Express, so if you have your eye on one make sure you choose the card that is associated with that lounge.
A couple of lounge rules:
- Most airport lounges require guests to have valid plane ticket (with a departure date on the same day they wish to come into the lounge)
- There is usually a dress code. Guests are generally required to dress smart-casual, so avoid rocking up in tracksuit pants or shorts.
How do I access my airport lounge passes?
Travel credit cards aren’t all built the same, so the way you access your complimentary lounge access pass may be slightly different between rewards programs and providers. In some cases you may need to send an invitation request to your bank or provider before your passes can be issued to you in your name, while in others you may need to enrol in a rewards program beforehand in order to access your passes (in addition to applying for and receiving your credit card).
Also bear in mind, there may be spending requirements on your credit card in order to access perks like complimentary lounge access - so make sure you can realistically spend what you need to, as well as pay it off by the end of the month.
Are there any extra lounge charges you may have to pay?
While you may get complimentary airport lounge access with your credit card, that may not mean all-access. Depending on which card you have and which lounge you are planning on going to, you may still have to pay additional costs to access some amenities.
Also remember, if you are travelling with family or in a group, your pass may not cover everyone - so make sure you read the fine print before you sign up or be ready to fork out extra entry fees.
What are the credit card costs?
Like you would with any other credit card, it’s important to weigh up any potential costs like the interest rate, annual fee or any additional fees, against the rewards you are getting. For example, generally when you get perks like airport lounge passes, you’ll likely face a higher annual fee which can be up to a few hundred dollars. Compare the perks against the fee and see whether it’s actually worth it - keep your eyes peeled, you could find a card that waives or decreases the annual fee in the first year.
Are there any other perks on the card?
The more perks the better, right? If you’re already on the hunt for a rewards card, why not try and snag one that has a few more perks than just free lounge access? Some of these bonus perks could be complimentary travel insurance, travel vouchers or even a bottle of wine when you dine out. You might also be able to snag some bonus points when you first get the card and spend a certain amount in the first 90 days.
RELATED GUIDE: Overseas Credit Card Woes - The Mozo Survival Guide
Want to weigh up more travel credit cards? Jump over to our travel credit card comparison table or read our handy travel money guides for more tips.