The condition of credit card in which interest is levied is unlawful. If there is no interest i.e. it is only to reach free of cost to airport lounge then it shall be like a pass and there will be no harm. And now when the prepaid card is available which works like credit card it is unnecessary to question about the permissibility of the credit card. In case of late fees paying interest is unlawful, though you have agreed on paying interest. Any haram work shall not turn lawful after agreement.
Allah knows Best!
Darul Uloom Deoband