Best PAGSS Lounge Credit Cards with Free Access 2025 - Eligibility, fees and rewards

If you fly frequently, you may be thinking about getting a PAGSS lounge¹ credit card which gives you easy ways to call into a lounge before your outgoing flight. This can be a relaxing way to start any trip, and give you a space to unwind, work or whatever else you need to do before hopping on your plane.

There are quite a few PAGSS credit card options which let you access lounges in NAIA and other important airports throughout the country. We’ll also share more about the Wise card, a handy card to pack along to save while spending abroad.

What to expect at the PAGSS Lounge?

So, what exactly do you get with your PAGSS lounge credit card access?

PAGSS lounge facilities and benefits include:

• Access to a hot and cold food buffet
• Unlimited beverages, wines, and liquors
• Toilets with shower rooms
• Wi-Fi access and workspaces
• Reading materials, power points and comfortable places to rest

You won’t usually need to choose between a PAGSS lounge terminal 1 credit card and other lounge access cards for NAIA, as typically cards offer access to available NAIA lounges. We’ll cover that in more detail later.

Where can I find the PAGSS Airport Lounge?

There are 3 PAGSS Airport Lounges that support credit card access at the time of writing, 1 at NAIA and then options at Davao International Airport and Puerto Princesa International Airport. There was previously a PAGSS lounge at Clark airport - but at the time of writing this is not operating. Keep an eye out to see if it comes back on line in future.

Here’s the rundown of the PAGSS lounges you can choose from at the time of research:

Correct at the time of research - 2nd July 2025

How long can I spend at the PAGSS Lounge?

The length of time you can spend in the PAGSS lounge will depend a bit on the credit card you have. Generally you will be able to stay for around 3 hours, although some premium cards allow you to stay up to 4 hours.

Your card may dictate that you can enter as the cardholder only, or you might be allowed to take one or two guests. Children under 8 years are often admitted free and so do not usually use up your credits if you have a limited number of annual passes.

Best credit card with free PAGSS Lounge access in the Philippines

Let’s look at one of the best credit cards with free PAGSS Lounge access in detail. We’ve covered the fees, eligibility, lounge offer and other rewards as part of our review.

Security Bank Platinum Credit Card⁶

The Security Bank Platinum Credit Card offers unlimited cardholder access to PAGSS lounges including NAIA T1, Francisco Bangoy International Airport and Puerto Princesa International Airport. You can visit one lounge per day, as long as you have a valid international flight ticket and you have some credit remaining on your credit card. Additional visits in excess of one per day, will be charged to the card. On top of the unlimited local lounge access through PAGSS, you can also visit local lounges including A Lounges and Marhaba Lounges, and get some travel and purchase insurance as part of the package.

To be eligible you must be a Filipino citizen residing in the Philippines, and have a minimum income of 780,000 PHP.

UnionBank Miles+ Visa Signature Credit Card⁸

The UnionBank Miles+ Visa Signature Credit Card allows members to sign up for a complimentary Dragon Pass which gives you 2x access to airport lounges of your choice. Dragon Pass covers many PAGSS lounges, including both international and domestic lounges in NAIA. If you want to visit lounges more than twice a year you can still do so by paying an additional fee through Dragon Pass.

UnionBank doesn’t disclose their full eligibility rules so you may want to get in touch to confirm whether or not you’re eligible for this card before you take the time to apply for it.

RCBC Black Card Platinum Mastercard Credit Card¹⁰

The RCBC Black Card Platinum Mastercard Credit Card offers unlimited free PAGSS airport lounge access in NAIA. Terminal 1 for you and a guest. Other travel perks include non expiring rewards which can be redeemed against the air miles schemes of several popular airlines. Or, take your rewards as cash rebates, shopping vouchers, credit to your RCBC card or bank account, or as a donation to a charitable institution instead.

Eligibility requires you to be employed and able to provide a proof of income. The exact income needed isn’t specified online by RCBC, so you may want to call the bank to confirm if you’re eligible based on your personal circumstances, before you apply.

American Express Platinum Credit Card¹²

The American Express Platinum Credit Card offers access to the PAGSS International Lounge in NAIA Terminal 1, for both the cardholder and a guest, for up to 4 hours at a time, with a maximum of one lounge entry every 24 hours.

This premium card is designed to have huge travel benefits, including access to Priority Pass lounges, Centurion lounges and Delta SkyClub lounges. You can only get this card by invitation - which makes it likely that the eligibility criteria are pretty strict.

AUB Platinum Mastercard Credit Card¹⁴

The AUB Platinum Mastercard Credit Card has travel perks which include free unlimited access to PAGSS International Lounges in NAIA, as well as ways to earn airmiles and bank rewards you can convert to benefits later. Other benefits include Mastercard exclusive offers, and ways to pay your bill at 5,000+ locations throughout the Philippines.

You can apply for this card if you’ve got a minimum income of 100,000 PHP a month, and you’re between the ages of 21 and 65.

Travelling soon? Bring along a credit card for lounge access, and the Wise card to maximise your foreign currency transactions

Before your next trip overseas, why not order a Wise card to spend while you travel with the mid-market exchange rate and low, transparent fees.

With the Wise card, makaka gastos ka ng 40+ currencies sa mid-market rate, kasama ang USD, SGD, GBP at JPY. Kaya, siguradong makakakuha ka ng sulit na deal sa mahigit 150+ countries. Para makapagsimula, gumawa ka lang ng libreng Wise account, mag-order ng card, at mag-top-up ng PHP.

Maaari kang mag-order ng physical card ng Wise sa halagang 369.90 PHP. Kung mayroon kang physical na card, makakagawa ka ng chip and PIN payments, at may 2 libreng ATM withdrawals na aabot sa 12,000 PHP bawat buwan.

Kapag nasa abroad ka, puwede mong piliing gumastos ng direct as PHP at hayaan mag auto-convert, o i-convert sa gusto mong currency gamit ang iyong Wise account. Kahit ano piliin mo, makukuha mo ang rate na nakikita mo sa Google, na may kasamang low, transparent fees mula 0.57%.

Save while you spend, and make overseas spending seamless with a Wise card.

💳 Kumuha ng Wise card

Wise Pilipinas is regulated by the Bangko Sentral ng Pilipinas. For any questions or concerns, check out our Help Centre, or log into your account to talk to us by phone, email or chat.

1. PAGSS Lounge
2. Priority Pass - PAGSS NAIA T1
3. Priority Pass - PAGSS NAIA T3
4. Priority Pass - PAGSS Davao
5. Priority Pass - PAGSS Puerto Princesa
6. Security Bank Platinum Credit Card
7. Security Bank Platinum Credit Card fees
8. UnionBank Miles+ Visa Signature
9. UnionBank credit card fees
10. RCBC Black Card Platinum Mastercard
11. RCBC card fees
12. American Express Platinum Credit Card
13. American Express Platinum Credit Card fees
14. AUB Platinum Mastercard
15. AUB credit card fees