Splurging on a luxury hotel stay is one thing, ponying up for access to a club lounge is another.

For example, the club lounge at the Ritz-Carlton in New Orleans is marketed as "a boutique hotel within a hotel." There is a buffet-style, staffed restaurant that serves full meals, champagne, wine, beer and cocktails all day, private areas for conducting meetings with comfortable seating, complimentary newspapers and a private concierge service.