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Best Travel Credit Cards in the Philippines

Travel often? Get the best travel perks and save money while traveling with the help of a travel credit card. 

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FEATURED
UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
info
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

FEATURED
HSBC Red Mastercard

HSBC Red Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
JBL Flip 6
JBL Flip 6

+ 2 other gift options

Valid until

15 April 2024

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

FEATURED
Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
info
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

PNB Visa Gold

PNB Visa Gold

Annual Fee
₱ 600  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 600,000
info

Things to consider for this product:

check

Travel insurance

check

Installment

check

Exclusive discounts

remove

No rewards

Security Bank Complete Cashback Platinum Mastercard

Security Bank Complete Cashback Platinum Mastercard

Annual Fee
₱ 3,000  per year
info
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 780,000

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No-brainer rebate

check

Petrol rebate

check

Supermarket rebate

Security Bank World Mastercard

Security Bank World Mastercard

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 3,000,000

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Security Bank Platinum Mastercard

Security Bank Platinum Mastercard

Annual Fee
₱ 4,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 780,000

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel insurance

check

Airport lounge

check

Shopping points

remove

High income requirement

HSBC Platinum Visa

HSBC Platinum Visa

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 500,000

Offer Available

Get a FREE welcome gift!
JBL Flip 6
JBL Flip 6

+ 2 other gift options

Valid until

15 April 2024

Things to consider for this product:

check

No-brainer rebate

check

Travel rebate

remove

Credit card required

RCBC Flex Gold Visa

RCBC Flex Gold Visa

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 600,000

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

RCBC Unionpay Diamond Card

RCBC Unionpay Diamond Card

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Bonus air miles

check

Travel insurance

remove

High income requirement

RCBC Gold Mastercard

RCBC Gold Mastercard

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
Not Available
Min. Annual Income
₱ 600,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

remove

High income requirement

remove

Credit card required

UnionBank Platinum Visa Card

UnionBank Platinum Visa Card

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
No
Min. Annual Income
₱ 600,000

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel points

check

Airport lounge

check

Travel insurance

UnionBank Platinum Mastercard

UnionBank Platinum Mastercard

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
No
Min. Annual Income
₱ 600,000

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No-brainer rebate

check

Overseas rebate

check

Airport lounge

remove

High income requirement

BPI Gold Rewards Card

BPI Gold Rewards Card

Annual Fee
₱ 2,250  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 480,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Insurance installment

check

Exclusive discounts

UnionBank Cebu Pacific Gold

UnionBank Cebu Pacific Gold

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
No
Min. Annual Income
₱ 360,000

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel points

check

Nice card face

check

Exclusive discounts

PNB Diamond UnionPay

PNB Diamond UnionPay

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 120,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Exclusive discounts

BPI Rewards Card

BPI Rewards Card

Annual Fee
₱ 1,550  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

PNB-PAL Mabuhay Miles Platinum Mastercard

PNB-PAL Mabuhay Miles Platinum Mastercard

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
No
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

PNB Platinum Mastercard

PNB Platinum Mastercard

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 600,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

Maybank Platinum Mastercard

Maybank Platinum Mastercard

Annual Fee
₱ 3,500  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 650,000

Things to consider for this product:

check

Free reward points

check

Overseas rebate

check

Exclusive discounts

remove

High income requirement

RCBC Flex Visa

RCBC Flex Visa

Annual Fee
₱ 1,500  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

RCBC Black Card Platinum Mastercard

RCBC Black Card Platinum Mastercard

Annual Fee
₱ 3,600  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Online shopping points

check

Travel insurance

remove

High income requirement

PNB-PAL Mabuhay Miles World Mastercard

PNB-PAL Mabuhay Miles World Mastercard

Annual Fee
₱ 6,000  per year
Annual Fee Waiver
No
info
Minimum Annual Income
₱ 2,400,000

Things to consider for this product:

check

Bonus air miles

check

Installment

check

Exclusive discounts

remove

High income requirement

PNB Essentials Mastercard

PNB Essentials Mastercard

Annual Fee
₱ 1,200  per year
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 120,000
info

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Good for beginners

AUB Platinum Mastercard

AUB Platinum Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 1,200,000
info

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

PNB-PAL Mabuhay Miles NOW Mastercard

PNB-PAL Mabuhay Miles NOW Mastercard

Annual Fee
₱ 1,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 120,000
info

Things to consider for this product:

check

Bonus air miles

check

Air ticket rebate

check

No Annual Fee

remove

High income requirement

AUB Gold Mastercard

AUB Gold Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 600,000
info

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

RCBC Visa Infinite

RCBC Visa Infinite

Annual Fee
₱ 3,600  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 3,600,000

Things to consider for this product:

check

No-brainer rebate

check

Retail rebate

check

Travel insurance

remove

High income requirement

RCBC YGC Rewards Plus Platinum Mastercard

RCBC YGC Rewards Plus Platinum Mastercard

Annual Fee
₱ 3,600  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 230,000

Things to consider for this product:

check

Shopping points

check

Airport lounge

check

Exclusive discounts

check

Good for beginners

RCBC World Mastercard

RCBC World Mastercard

Annual Fee
₱ 3,600  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 3,600,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

AirAsia Credit Card

AirAsia Credit Card

Annual Fee
₱ 3,600  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 250,000

Things to consider for this product:

check

Travel points

check

Bonus air miles

check

Airport lounge

check

Exclusive discounts

RCBC JCB Platinum

RCBC JCB Platinum

Annual Fee
₱ 3,600  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Platinum Rewards Card

BPI Platinum Rewards Card

Annual Fee
₱ 4,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,000,000

Things to consider for this product:

check

Free reward points

check

Online shopping points

check

Airport lounge

remove

High income requirement

RCBC Zalora Credit Card

RCBC Zalora Credit Card

Annual Fee
₱ 4,000  per year
Annual Fee Waiver
Yes
Min. Annual Income
₱ 300,000

Things to consider for this product:

check

Online shopping points

check

Online shopping rebate

check

Travel insurance

check

Exclusive discounts

Bank of Commerce Platinum Mastercard

Bank of Commerce Platinum Mastercard

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Not Available
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Dining points

check

Travel insurance

remove

High income requirement

RCBC Visa Platinum

RCBC Visa Platinum

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Airport lounge

remove

High income requirement

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

UnionBank Cebu Pacific Platinum

UnionBank Cebu Pacific Platinum

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
No
Min. Annual Income
₱ 600,000

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Signature

BPI Signature

Annual Fee
₱ 5,500  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Bank of Commerce World Mastercard

Bank of Commerce World Mastercard

Annual Fee
₱ 6,000  per year
Annual Fee Waiver
Not Available
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Travel points

check

Travel insurance

remove

High income requirement

RCBC Diamond Card Platinum Mastercard

RCBC Diamond Card Platinum Mastercard

Annual Fee
₱ 2,500  per year
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

remove

High income requirement

RCBC JCB Classic

RCBC JCB Classic

Annual Fee
₱ 1,500  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

RCBC Classic Mastercard

RCBC Classic Mastercard

Annual Fee
₱ 1,500  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

Go Rewards Platinum Visa

Go Rewards Platinum Visa

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
N/A
Min. Annual Income
₱ 180,000
info

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Free reward points

check

Airport lounge

check

Travel insurance

remove

Shopping points

UnionBank Miles+ Visa Signature

UnionBank Miles+ Visa Signature

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
N/A
Min. Annual Income
₱ 360,000

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No expiry miles

check

Travel insurance

check

Airport lounge

EastWest Visa Platinum

EastWest Visa Platinum

Annual Fee
₱ 3,600  per year
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 1,000,000

Things to consider for this product:

check

No-brainer rebate

check

Travel insurance

check

Annual Fee waiver

remove

High income requirement

EastWest Platinum Mastercard

EastWest Platinum Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,800,000

Things to consider for this product:

check

No Annual Fee

check

Travel insurance

check

Airport lounge

check

Shopping points

EastWest Gold Mastercard

EastWest Gold Mastercard

Annual Fee
₱ 2,500  per year
Annual Fee Waiver
Not Available
Min. Annual Income
₱ 480,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Contactless payment

remove

Exclusive discounts

Need some help?

No worries, we've got you covered!

What is a travel credit card?

expand_more

A travel credit card boasts smart-saving and convenient benefits that jet setters will love—free airport lounge access and/or membership, complimentary hotel or resort overnight stay, and free travel insurance, among many others.

How does a travel credit card work?

expand_more

Unlock most of your travel card’s benefits when you purchase a travel ticket using your credit card: 

  • Free travel insurance
  • Free or exclusive access to airport lounges
  • Global travel assistance for cash advance or card-related emergencies

Can’t pay for your travel ticket in one go? Some credit cards allow a minimal add-on or 0% interest installment plan when purchasing a travel ticket. 

Not all features are ticket-dependent. You can request or get access to dual currency billing, low foreign currency fees, and accelerated reward points on travel spend without having to buy a travel ticket using your card.

How do I choose the best travel credit card?

expand_more
  • Travel Insurance and Assistance. Consider this a benefit you shouldn’t need, but it’s a benefit nonetheless. Travel more with the peace of mind that you’re financially covered while you’re out exploring.
  • Dual Currency Billing. When you travel to a foreign land, you’ll need a credit card that can save you as much money as possible. Get one with dual currency billing or a low foreign currency transaction fee to help you do just that.
  • Airport Lounge Access. It’s a known reality that flights can get delayed, or worse, denied. Sometimes, it can happen when you least expect it. Get yourself an air miles credit card that can give you access to VIP airport lounges worldwide. Stay comfortable while waiting for your next flight with this perk.
  • Waived Annual Fees. It’s always an advantage to pick a credit card with waived annual fees, regardless of purpose. So get yourself an air miles credit card with no annual fees to save more on your travels.
  • Frequent Business Flyer Program. Check for the best travel credit card for businesses that have a special program or rewards for owners and executives who travel often.

Should you get a travel credit card?

expand_more

A travel credit card is worth it if you’re a frequent traveler. This type of credit card is ideal for individuals who often travel for work or leisure as it allows you to enjoy travel perks such as airport lounge access, free travel and accident insurance coverage, hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide.

Is it a good idea to get a travel credit card today?

expand_more

For seasoned travelers, any time is a good time to get a travel credit card. For travelers on a budget, getting a travel card that has an installment plan for your plane ticket will help you with the payment while newbie tourists will enjoy the convenience most travel cards provide since it automatically comes with free travel insurance and access to a 24/7 concierge service that will help you with your travel concerns and inquiries.