Welcome to FT.

Not sure why CX has to pay for your cc annual fee and cancellation...lounge access is clearly not included w/ the RBC/CX card...

If you are MPC silver or higher or flying in J or F, you will have lounge access. Otherwise, no access. Also very clear when you joined the MPC...

For an 18 hrs layover, I would have booked a hotel room. If you really wanted CX lounge access, you could have redeemed it for 9000 miles per person, or use one of the pay-in lounges at HKG.