14 Best Air Miles Credit Cards for Cheaper Travel in 2019

by Moneymax, on category "Credit Card"

January 16, 2019


Best Air Miles Credit Cards Philippines | Moneymax

Saving money on your travel expenses takes a lot of discipline to wait for the best deals. You also need the right financial tools such as air miles credit cards to make it happen.

Using your air miles credit card, you can enjoy many perks when buying your travel must-haves such as airfare and accommodation compared to paying in cash or debit card. The latter won’t give you air miles you can use to travel for free in the future plus other travel benefits such as access to exclusive lounges in airports or purchase protection when buying something abroad.

Finding the right air miles credit card is easier now more than ever. You have a lot of cards to choose from.

But which among them are the best air miles credit cards? We’ve picked the cards with the highest air mile rewards in the Philippines.

1. HSBC Visa Platinum

Best Air Miles Credit Cards Philippines - HSBC

How to earn air miles: 1 Cathay Pacific Asia Mile or Singapore Airlines KrisFlyer Mile per PHP 25 spent

Annual fee: PHP 5,000 (waived for the first year)

Interest rate: 3.50%

Other Travel Perks:

  • Get 4 bonus points for every PHP 20 spend by simply charging your overseas purchases
  • Free travel accident insurance and travel inconvenience coverage

2. Citi PremierMiles Visa

Best Air Miles Credit Cards Philippines - Citi Premier Miles

How to earn air miles: 1 PAL Mabuhay Mile or Cebu Pacific GetGo point per PHP 30 local and overseas purchase

Annual fee: PHP 5,000

Interest rate: 3.50%

Other Travel Perks:

  • VIP airport lounge access
  • Travel insurance coverage of up to PHP 1 million
  • 24/7 concierge service

3. UnionBank Cebu Pacific GetGo Platinum

Best Air Miles Credit Cards Philippines - Unionbank GetGo

How to earn air miles: 1 GetGo point per PHP 30 spent locally or internationally

Annual fee: PHP 5,000

Interest rate: 3.50%

Other Travel Perks:

  • Free airport lounge access
  • Priority check-in on Cebu Pacific flights
  • Free 5-kg. extra baggage allowance on Cebu Pacific flights
  • Travel insurance coverage of up to PHP 10 million
  • Early Cebu Pacific seat sale alerts

4. UnionBank Cebu Pacific GetGo

Best Air Miles Credit Cards Philippines - Unionbank Cebu Pacific GetGo

How to earn air miles: 1 GetGo Point per PHP 30 spent locally or internationally

Annual fee: PHP 3,000

Interest rate: 3.50%

Other Travel Perks: Early Cebu Pacific seat sale alerts

5. PNB-PAL Mabuhay Miles World Mastercard

Best Air Miles Credit Cards Philippines - PNB Mabuhay

How to earn air miles: 1 Mabuhay Mile per PHP 33 spent in the Philippines and abroad

Annual fee: PHP 6,000

Interest rate: 2.70%

Other Travel Perks:

  • Free welcome gift of 2,000 Mabuhay Miles when you activate your card
  • Get 10,000 air miles when you make PHP 100,000 worth of PAL transactions within one year of having your credit card
  • Priority check-in at PAL business class counters at NAIA Terminal 2
  • 5% discount on select online PAL international flight bookings

6. PNB-PAL Mabuhay Miles Platinum Mastercard

Best Air Miles Credit Cards Philippines - PNB Mabuhay Miles Platinum

How to earn air miles: 1 Mabuhay Mile per PHP 33 spent in the Philippines and abroad

Annual fee: PHP 3,000

Interest rate: 3.25%

Other Travel Perks:

  • Free welcome gift of 2,000 Mabuhay Miles when you activate your card
  • Get 10,000 air miles when you make PHP 100,000 worth of PAL transactions within one year of having your credit card
  • 5% discount on select online PAL international flight bookings

7. AUB Platinum Mastercard

Best Air Miles Credit Cards Philippines - AUB Platinum Mastercard

How to earn air miles: 1 Mabuhay Mile per PHP 33 spent

Annual fee: Free for life

Interest rate: 2.70%

Other Travel Perks:

  • Free access to SkyView Lounge at NAIA Terminal 3 and Pacific Club Lounges at NAIA 3 and Clark International Airport
  • Double credit card rewards points for overseas purchases

8. BDO Cathay Pacific American Express Elite

Best Air Miles Credit Cards Philippines - BDO Cathay Pacific

How to earn air miles:

  • 1 Asia Mile per PHP 38 spent in the Philippines
  • 2 Asia Miles per PHP 50 spent abroad
  • 2 Asia Miles per PHP 38 spent on online Cathay Pacific flight bookings

Annual fee: PHP 5,000 (waived for the first year)

Interest rate: 3.25%

Other Travel Perks:

  • Earn 3,000 bonus miles with your very first purchase and after your first year as a cardholder (minimum annual purchase of PHP 600,000)
  • Travel accident insurance coverage of up to PHP 15 million
  • Travel inconvenience coverage of up to PHP 200,000
  • Accident Medical Expense coverage of up to PHP 80,000 per family

9. EastWest Priority Visa Infinite

Best Air Miles Credit Cards Philippines - EastWest Priority Visa Infinite

How to earn air miles: 1 Mabuhay Mile, Asia Mile, or KrisFlyer Mile per PHP 40 spent

Annual fee: Free for life

Interest rate: 1.99%

Other Travel Perks:

  • VIP airport lounge access
  • Up to PHP 20 million travel accident and inconvenience insurance

10. BPI SkyMiles Platinum Mastercard

Best Air Miles Credit Cards Philippines - BPI SkyMiles Platinum Mastercard

How to earn air miles: 1 Delta SkyMiles mile per PHP 45 spent

Annual fee: PHP 5,000 (waived for the first year)

Interest rate: 3.50%

Other Travel Perks:

  • Earn 2x miles for every PHP 45 spent on Delta Air Lines tickets
  • Travel insurance coverage of up to PHP 20 million
  • Exclusive pre-departure access to the Pacific Club at NAIA Terminal 3

11. Metrobank Travel Platinum Visa

Best Air Miles Credit Cards Philippines - Metrobank Travel Platinum Visa

How to earn air miles: 1 Mabuhay Mile or 1 GetGo point per PHP 17 overseas, airline, and hotel purchase or PHP 50 local purchase

Annual fee: PHP 5,000 (waived for the first year)

Interest rate: 3.54%

Other Travel Perks:

  • Travel insurance coverage of up to PHP 5 million
  • 24/7 concierge service
  • Unlimited access to airport lounges

12. Maybank Platinum Mastercard/Visa Platinum

Best Air Miles Credit Cards Philippines - Maybank Platinum

How to earn air miles: 1 Asia Mile or KrisFlyer Mile per PHP 50 spent

Annual fee: PHP 3,000 (waived for the first year)

Interest rate: 3%

Other Travel Perks:

  • Earn 1% cashback on overseas purchases
  • Low foreign currency transaction fee of 1.75%

13. UnionBank Miles+ Platinum Visa

Best Air Miles Credit Cards Philippines - Unionbank Miles Platinum Visa

How to earn air miles: 1 Mabuhay Mile or GetGo Point per PHP 50 spent on airfare, accommodations, and shopping overseas

Annual fee: PHP 3,000

Interest rate: 3.50%

Other Travel Perks:

  • Higher points for travel-related purchases such as airline tickets, hotel accommodations, and overseas transactions
  • Up to PHP 10 million travel insurance coverage when you use your credit card to purchase airline tickets
  • Exclusive pre-departure access at the SkyView Lounge at NAIA Terminal 3, MIASCOR Lounges at NAIA Terminal 1, and Club Manila Lounge at NAIA Terminal 1

14. RCBC Bankard Visa Infinite

Best Air Miles Credit Cards Philippines - RCBC Bankard Visa Infinite

How to earn air miles: 1 rewards point = 1 RCBC Air Miles while 3 RCBC Air Miles are equal to 1 Mabuhay Mile, GetGo point, Asia Mile, or AirAsia BIG point. You can earn a rewards point per PHP 36 retail purchase or PHP 125 supermarket, gas, or drugstore purchase.

Annual fee: PHP 3,600

Interest rate: 3.54%

Other Travel Perks:

  • Travel insurance coverage up to PHP 1 million
  • Exclusive pre-departure access to the SkyView Lounge at NAIA Terminal 3 for the principal cardholder and one travel companion
  • 0% installment for overseas purchases

Read more: Ring in 2019 with These 20 Rewarding Credit Card Promos

Final Thoughts

With financial comparison websites such as Moneymax, you can filter in less than a minute which air miles credit cards can give you the best value for your money. You can skip the painstaking jump from one bank’s website to the other, so there’s less friction on finding the best air miles credit card for you.