11 Best Credit Cards for Mabuhay Miles and Other Airline Points

Whether you’re a travel junkie or a holidaymaker on a budget, you know how handy a credit card is—booking your flights is a whole lot easier! But what excites vacationers more is a card’s ability to earn airline miles or points that can be converted to miles, which you can then use to pay for your next flights.

But which credit card should you get?

If you’re looking for the best credit card for Mabuhay Miles and other airline points, you’ve come to the right place. Here are your top choices.

What is the Best Credit Card for Mabuhay Miles and Other Airline Points?

Both basic and top-tier credit cards can earn air miles, depending on the bank’s policy or its partnership with an air carrier. Here are just some of our recommendations plus their key benefits:

Credit Card	Air Miles and Travel Benefits
Metrobank World Mastercard^®	1 air mile for every ₱17 foreign currency spend 1 air mile for every ₱50 spend on other categories 3 rewards points for every ₱20 spend on foreign currency Up to 50% discounts on deals locally and internationally Free 2 global lounge passes every year via Dragon Pass
HSBC Red Mastercard	10,000 points = 1,000 Asia Miles 10,000 points = 1,000 KrisFlyer 15,000 points = 1,500 Mabuhay Miles 4x bonus points on online, dining, shopping, and overseas spend Exclusive travel deals worldwide via HSBC’s home&Away Privilege Programme
Security Bank Platinum Mastercard	11,667 rewards points = 1,000 Mabuhay Miles Free travel insurance Unlimited access to local lounges like A Lounge, Marhaba Lounge, and PAGSS Lounge Access to over 1,300 lounges in more than 500 airport lounges worldwide
Security Bank Gold Mastercard	11,667 rewards points = 1,000 Mabuhay Miles Access to local airport lounges at exclusive rates. Lounges include A Lounge, Marhaba Lounge, and PAGSS Lounge.
BPI Signature Card	16,000 points = 1,000 PAL Mabuhay Miles Bonus 2,200 PAL Mabuhay Miles for every 1,000 PAL Mabuhay Miles redeemed Free access to local airport lounges like PAGSS Lounge (NAIA 1 and NAIA 3) Up to ₱20 million travel insurance Global services via Visa’s 24/7 Concierge, Airport Meet & Greet Immigration Services, Luxury Hotel Collection, and Airport Transfer Program
BPI Platinum Rewards Card	16,000 points = 1,000 PAL Mabuhay Miles Bonus 2,200 PAL Mabuhay Miles for every 1,000 PAL Mabuhay Miles redeemed 0% installment on airline tickets for up to six months (available all year round) Access to more than 1,300 lounges worldwide Up to ₱10 million travel insurance
PNB-PAL Mabuhay Miles NOW Mastercard	₱58 spend = 1 rewards point = 1 Mabuhay Mile 1,000 Mabuhay Miles welcome gift 5% discount on select Philippine Airlines flights booked at www.philippineairlines.com Pay bills in PHP even for transactions abroad
PNB-PAL Mabuhay Miles Platinum Mastercard	₱48 spend = 1 rewards point = 1 Mabuhay Mile 2,000 Mabuhay Miles welcome gift Additional 10,000 Mabuhay Miles when you reach ₱100,000 worth of transactions at Philippine Airlines within one year (only applies to first-time PNB-PAL Mabuhay Miles Mastercard cardholders only) 5% discount on select Philippine Airlines flights booked at www.philippineairlines.com Single or dual currency billing
RCBC Visa Platinum	1 Preferred Airmile for as low as ₱25 in-store or online spend overseas 1 Preferred Airmile for every ₱48 local spend 1 Preferred Airmile = 1 point at Mabuhay Miles / AirAsia Rewards / Asia Miles
RCBC Visa Infinite	100,000 non-expiring Welcome Rewards Points for new RCBC credit cardholders; can be exchanged for miles 1 rewards points for every ₱30 spend 3x rewards points on local online spend 5x rewards points on in-store and online spend overseas Free Priority Pass membership Unlimited free access to the PAGSS Lounge (NAIA 1 and NAIA 3) 24/7 Visa Concierge

Find more details and options below. Read through each feature to find the best credit card for Mabuhay Miles and other airline points.

✈️ Metrobank World Mastercard^®

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Annual fee: ₱6,000 (waived if you apply until October 31, 2023 and meet an annual spend of ₱600,000)
Interest rate: 3%
Minimum monthly income requirement: ₱333,333
How to earn miles: Convert points to Mabuhay Miles at the rate of 2.5 rewards points = 1 Mabuhay Mile^[1]
Other travel perks:
- 2x points for international spend
- Exclusive travel rewards courtesy of Mastercard

The Metrobank World Mastercard^® has a reputation for being a foodie’s best friend since it offers up to 50% off on luxury dining deals. But travel is also its strong suit, as attested by its generous rewards system. With this card, you can earn up to 2x points on international spend.

Earned lots and lots of points? You can convert them to Mabuhay Miles at the rate of 2.5 points = 1 Mabuhay Mile. Your credit card also lets you enjoy perks and benefits courtesy of Mastercard.

For one, you can enjoy lounge membership and exclusive airport discounts at more than 1,000 airports and 500 airport lounges worldwide. Mastercard Travel Rewards also entitles you to exclusive rebates at partner merchants in Australia, Hong Kong, Japan, Macau, Singapore, and more.

🎁 Get a chance to win a 4D3N travel package and other prizes worth ₱350,000

Eligible cards: Metrobank Titanium Mastercard^®, Platinum Mastercard^®, and World Mastercard^®

Promo period: Until May 31, 2025

Make your personal loan even more rewarding! Apply for a UnionBank Personal Loan via Moneymax and earn 1 raffle entry for our biggest summer giveaway. Get a chance to win a 4D3N trip for 2 to Boracay, Coron, or Puerto Princesa! Plus, win more prizes worth up to ₱350,000!

Per DTI Fair Trade Permit No. FTEB-220354. Series of 2025. Terms and conditions apply.

Note: Applicant must be an existing credit cardholder in good standing for at least six months.

✈️ HSBC Red Mastercard

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Annual fee: ₱2,500 (free for the first year)
Interest rate: 3%
Minimum monthly income requirement: ₱16,667
How to earn miles: Via HSBC's Accelerated Rewards program: Earn 1 air mile per ₱25 or ₱30 spend, depending on the transaction type
Other travel perks:
- Exclusive travel deals worldwide via HSBC’s home&Away Privilege Programme
- 4x rewards points on overseas spend

The HSBC Red Mastercard may be ideal for everyday spending, but it’s also one of the best airline miles credit cards for newbies. Through its accelerated rewards system, you can earn 1 mile per ₱25 or ₱30 spend, depending on the type of transaction.

Love shopping? Earn up to 4x rewards points when you shop abroad using your Red Mastercard. If you’re big on travel, you’ll love HSBC’s home&Away Privilege Programme, which allows you to access exclusive travel deals at more than 27,000 establishments and in 160 countries/regions and territories worldwide!

✈️ Security Bank Platinum Mastercard

Annual fee: ₱4,000 (free for the first year)
Interest rate: 3%
Minimum monthly income requirement: ₱65,000
How to earn miles: Convert points to Mabuhay Miles at the rate of 11,667 rewards points = 1,000 Mabuhay Miles^[2]
Other travel perks:
- Access to airport lounges worldwide
- Access to Marhaba Lounge
- Free travel insurance
- Exclusive travel deals and rewards courtesy of Mastercard
- Dual currency billing

Security Bank is one of Mabuhay Miles’ credit card partners. So if you want to earn PAL air miles, consider applying for a Security Bank Platinum Mastercard. With your card, you can convert points to Mabuhay Miles at the rate of 11,667 rewards points = 1,000 Mabuhay Miles.

This card won’t only upgrade your travel but also help you save a lot. If you love shopping abroad, you’ll enjoy exclusive automatic cashback from partner merchants via Mastercard Travel Rewards.

Also, just present your card to access hundreds of airport lounges worldwide. For Marhaba Lounge, you can enjoy unlimited access to its facilities.

✈️ Security Bank Gold Mastercard

Annual fee: ₱2,500 (free for the first year)
Interest rate: 3%
Minimum monthly income requirement: ₱30,000
How to earn miles: Convert points to Mabuhay Miles at the rate of 11,667 rewards points = 1,000 Mabuhay Miles
Other travel perks:
- Access to Marhaba Lounge
- Globally accepted

The Security Gold Mastercard is one of the best cards for accumulating non-expiring points. But it offers more than that. The bank’s partnership with Philippine Airlines lets you convert your rewards points to Mabuhay Miles.

It also has a couple of features that will excite the traveler in you. For instance, it gives you unlimited access to Marhaba Lounge, where you can take some rest before your flight. Once you’re abroad, you can use your card for shopping and dining transactions since it’s accepted worldwide.

✈️ BPI Visa Signature

Annual fee: ₱5,500
Interest rate: 3%
Minimum monthly income requirement: ₱100,000
How to earn miles: 8,000 points = 1,000 PAL Mabuhay Miles or airasia rewards
Other travel perks:
- Access to the airport lounge
- Global travel services
- Up to ₱20 million travel insurance

The BPI Visa Signature is the ideal credit card if you want to taste the finer things in life. But it’s also one of the best airline miles credit cards, especially if you’re a frequent flyer with Philippine Airlines and airasia.

The points you earn can be converted to air miles. Currently, the BPI points to airasia and PAL air miles conversion rate is 8,000 points = 1,000 air miles.

Your travel perks don’t stop at this generous conversion scheme. You can enjoy up to 50% off on hotels, resorts, and restaurants all year round. If you shop abroad, you can save a lot using your card as its forex conversion rate is just 1.85%.

Other exclusive travel benefits include access to PAGGS international lounges and travel insurance of up to ₱20 million. You can avail of the latter if you book your trip using your card.

✈️ BPI Platinum Rewards Mastercard

Annual fee: ₱4,000
Interest rate: 3%
Minimum monthly income requirement: ₱83,333
How to earn miles: 8,000 points = 1,000 PAL Mabuhay Miles or airasia rewards
Other travel perks:
- 0% installment on airline tickets for up to six months
- Access to more than 1,300 lounges worldwide
- Up to ₱10 million travel insurance

The Platinum Rewards Mastercard from BPI comes with perks and privileges designed for travelers. Just like with the Visa Signature, this card’s BPI points to airasia and PAL air miles conversion rate is 8,000 points = 1,000 air miles.

Book your trip with your Platinum Rewards Mastercard and get free travel insurance worth up to ₱10 million. You can relax before your flight, as this card gives you access to more than 1,300 airport lounges worldwide. You also get four free lounge passes yearly.

✈️ PNB-PAL Mabuhay Miles NOW Mastercard

Annual fee: ₱1,000 (free for the first three years)
Interest rate: 3%
Minimum monthly income requirement: ₱10,000
How to earn miles: ₱58 spend = 1 rewards point = 1 Mabuhay Mile
Other travel perks:
- 1,000 Mabuhay Miles welcome gift
- 5% discount on select Philippine Airlines international flights booked via the official PAL website all year round
- Pay bills in peso even for transactions abroad

If you’re looking for the best credit card for Mabuhay Miles, look no further than the options at the Philippine National Bank (PNB), Philippine Airlines’ sister company. For newbies, the PNB-PAL Mabuhay Miles NOW Mastercard makes a good choice.

When your application gets approved, you’ll receive 1,000 Mabuhay Miles as a welcome gift. You’ll also enjoy a year-round discount on select international flights at PAL when you book online. And if you use your credit card abroad, you can pay your bill in Philippine Pesos.

Explore the world with peace of mind, as the PNB-PAL Mabuhay Miles NOW Mastercard also comes with free travel insurance of up to ₱1 million when you charge your roundtrip tickets to your card. Applicable modes of transportation include land, air, and sea.

✈️ PNB-PAL Mabuhay Miles Platinum Mastercard

Annual fee: ₱3,000
Interest rate: 3%
Minimum monthly income requirement: ₱100,000
How to earn miles: ₱48 spend = 1 rewards point = 1 Mabuhay Mile
Other travel perks:
- 2,000 Mabuhay Miles welcome gift
- 5% discount on select Philippine Airlines international flights booked via the official PAL website all year round
- Option between single and dual currency billing

A PNB credit card is indeed the best credit card for Mabuhay Miles, as it allows you to earn miles fast at the low rate of 1 rewards point = 1 Mabuhay Mile. The PNB-PAL Mabuhay Miles Platinum Mastercard also takes things up a notch by giving new cardholders 2,000 Mabuhay Miles as a welcome gift.

And when you spend at PAL, you’ll receive free 10,000 Philippine Airlines Mabuhay Miles. Book your international flights via PAL’s official website to enjoy a 5% discount.

You’ll also get free travel insurance worth up to ₱3 million when you charge your roundtrip tickets to your PNB credit card. This applies to land, air, and sea tickets.

✈️ PNB-PAL Mabuhay Miles World Mastercard

Annual fee: ₱6,000
Interest rate: 3%
Minimum monthly income requirement: ₱200,000
How to earn miles:
- ₱30 spend = 1 rewards point = 1 Mabuhay Mile (Total Banking Relationship or TBR of ₱100 million and above)
- ₱38 spend = 1 rewards point = 1 Mabuhay Mile (No deposit / Below ₱100 million TBR)
- ₱30 spend = 1 rewards point = 1 Mabuhay Mile (PAL Transactions MCC 3022)
Other travel perks:
- 2,000 Mabuhay Miles welcome gift
- 5% discount on select Philippine Airlines international flights booked via the official PAL website all year round
- Option between single and dual currency billing
- Priority check-in at PAL Business Class Counters

If you want the ultimate PNB Mabuhay Miles Credit Card, get the PNB-PAL Mabuhay Miles World Mastercard. The features are almost the same as those offered by the first two PNB credit cards. But what makes this card a standout is its lineup of exclusive benefits.

For one, it lets you avail of priority check-in at PAL Business Class counters at NAIA Terminals 1, 2, and 3. And since it’s powered by Mastercard, it connects you to the largest network of airport lounges worldwide.

✈️ UnionBank Miles+ Platinum Visa

Annual fee: ₱3,000
Interest rate: 3%
Minimum monthly income requirement: ₱50,000
How to earn miles: ₱25 spend = 1.5 air miles or points
Other travel perks:
- Free airport lounge access at Marhaba and PAGGS
- Free travel insurance
- Miles+ points can be redeemed as cash backs or fee waivers

The UnionBank Miles+ Platinum Visa lets you earn points on travel-related spends, including airline, lodging, and foreign currency transactions. You can then convert these collected points to PAL Mabuhay Miles or Cebu Pacific GetGo points.

This UnionBank credit card entitles you to unlimited pre-departure access at Marhaba Lounge and PAGGS. Shopping abroad is made quick and easy with Visa’s payWave feature. Moreover, you can travel with peace of mind since you will be issued travel insurance worth up to ₱10 million when you charge your airline tickets to your UnionBank Miles+ Platinum Visa.

✈️ RCBC World Mastercard

Annual fee: ₱3,600
Interest rate: 3%
Minimum monthly income requirement: ₱300,000
How to earn miles: 5 RCBC credit card AIRMILES = 1 Mabuhay Mile / airasia point / Asia Miles
Other travel perks:
- Access to lounges worldwide
- Free travel insurance and purchase protection
- 0% installment on purchases abroad

The RCBC World Mastercard is another credit card designed for flyers who love collecting air miles. It comes with a feature where you can convert RCBC points to airasia rewards, Mabuhay Miles, and Asia Miles (Cathay Pacific).

Moreover, your RCBC World Mastercard gives you access to world-class airport lounges. Other perks include 0% installment on purchases abroad and a bonus credit limit that you can use when you travel.^[3]

Final Thoughts

With the right credit card, traveling is not only exciting but also rewarding. Use the best credit card for Mabuhay Miles and other airline rewards to earn air miles or points that can be converted to miles.

There is a sea of choices out there, but looking into your lifestyle and budget will help you decide. You may also talk to your friends who use the best airline miles credit cards.

Sources:

Best Credit Cards for PAL Mabuhay Miles, Cebu Pacific GetGo Points, and airasia points

Jay Pagkatotohan