How do I access LoungeKey lounges as an HSBC Visa Infinite Credit Card holder?

If you are like me an HSBC Premier client and also a frequent traveller that can maximize the number of priority pass visits, limo and meet-and-assist services as well as your supplementary cardholders too, then this is the card for you. The reduced general mile earn rate is worth the trade-off for the unlimited priority pass memberships, as well as the high number of limo and meet-and-assist services that you can use.

I find this card to be a good miles-buying opportunity for 40,000 miles at S$488 for HSBC Premier Clients. The unlimited priority pass for both the principal and supplementary cardholder(s) makes this card worth the fee alone but provided of course that there are supplementary cardholders to share the benefits with and that it will be heavily utilized.

On my last overseas trip I discovered that the departure airport limo service offered by the card is a major plus point while the meet-and-assist can be helpful at overly crowded airports without Fast-Track/ABTC/Diplomatic lines. HSBC Premier Clients get to receive four of each benefit upon registration and an additional one of each service for every block of SGD 2,000 spent in a month, all up to 24 a year. Although the services can only be utilized by the principal cardholder only. This card is overshadowed by its poor mile earn rate of 1.0 mpd for local spend and 2.0 mpd for overseas spend, that is superseded by non-fee cards such as the PrviMiles.

To me the HSBC cards have only one good benefit in which they are able to purchase discounted Golden Village movie tickets at a rate that is far better than any other bank's credit cards or prevailing rebates. I find that this is the only plus point of this HSBC credit card and otherwise, this card is a hit and run for me and you can sign up for only its sign up gift and also for discounted Golden Village tickets.

This card offers the most of travel and lifestyle privileges extended to you with personalised assistance from their dedicated concierge service, who can actually be called upon anytime of the day and from wherever one may be. Whether it's making flight or hotel bookings, reserving spa appointments, or recommending dining options, they are always delighted to be at your service.

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.

So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.

I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

The American Express Krisflyer Credit Card has an attractive sign up bonus and it is easy to use to accumulate on miles as no conversion into KF account is required, and monthly auto “sweeping” of miles help save in the conversion fee. I also have had good experiences with their customer care service as the call center service is absolutely awesome.

The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.