9 Best Travel Credit Cards in the Philippines for 2020

Published: October 6, 2020 | Updated: October 13, 2020 | Posted by: Venus Zoleta | Credit Card


Best Travel Credit Cards in the Philippines | Moneymax

As the economy slowly reopens, you may be thinking of traveling with your loved ones soon. Heck, you might have even planned your next dream destination while still on quarantine. So while you’re at it, it’s better if you start thinking of how you can save money while traveling, too. And one of the best ways to do so is by using a travel credit card.

Why Get a Travel Credit Card?

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 for leisure, and can afford to spend the card’s minimum requirement for racking up air miles and rewards points.

Having a travel credit card also allows you to enjoy travel perks such as airport lounge access,  hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide. Several travel credit cards in the Philippines also offer free travel and accident insurance coverage.

What Features Should I Look for When Getting a Travel Credit Card?

There are plenty of credit cards in the Philippines that offer lots of travel perks. But the best travel credit cards have these benefits in common:

  • Low spend per mile requirement – A great travel credit card should make it quick for a cardholder to accumulate air miles.
  • Travel insurance and travel assistance – Although it’s better if you won’t actually need them, these benefits do provide peace of mind while traveling.
  • Dual currency billing and low/zero foreign currency transaction fee – These features help you save money on your overseas travels.
  • Airport lounge access – While this may seem just a nice-to-have feature, it’s good to have a credit card for travel that enables you to stay comfortable while waiting for your flight.

To help you choose the perfect travel credit card, we’ve narrowed your choices to just nine of the best travel credit cards in the Philippines that meet all or some of the criteria above.

10 Best Travel Credit Cards in the Philippines

1. Citi PremierMiles Card

best travel credit cards philippines - citi premier miles

Best travel credit card for: Earning air miles

The Citi PremierMiles Visa is one of the best credit cards for travelers who like to collect air miles fast. Air miles can be used to redeem free flights from over 60 airlines and book rooms from over 5,000 hotels worldwide. The never-expiring miles can also be used to pay for any non-travel purchase.

Citibank PremierMiles Card Travel Benefits

  • 1 PremierMile per PHP 30 spend
  • Convert your PremierMiles to air miles or hotel points
  • VIP lounge access at select lounges worldwide
  • Free travel insurance coverage up to P1 million
  • Deals and discounts in the Philippines and 90 other countries

Other Features and Benefits

  • 30-day purchase protection coverage
  • Option to convert a large purchase into smaller, more manageable monthly payments
  • Minimum monthly income requirement: PHP 30,000

Fees and Charges

  • Annual fee: PHP 5,000 (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: Up to 3.525%

2. HSBC Platinum Visa

best travel credit cards philippines - hsbc platinum visa

Best travel credit card for: Earning miles and enjoying travel privileges abroad

The HSBC Platinum Visa makes travel more rewarding for cardholders with its array of exclusive perks worldwide, as well as its low spend requirement for earning miles and rewards points.

HSBC Platinum Visa Travel Benefits

  • Earn 1 air mile for every PHP 25 spend
  • 4 rewards points per PHP 20 spent abroad and online
  • Free travel accident insurance and travel inconvenience coverage
  • Exclusive deals at more than 27,000 shopping, travel, dining, and health and beauty merchants in 160 countries worldwide

Other Features and Benefits

  • 3 rewards points per PHP 20 spent on shopping and dining in the Philippines
  • 1 rewards point per PHP 20 spent on everything else
  • 6% rebate on the first Caltex purchase and 3% fuel rebate at Caltex year-round
  • Minimum monthly income requirement: PHP 41,666.67

Fees and Charges

  • Annual fee: PHP 5,000
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 3.50%

3. Metrobank Travel Platinum Visa

best travel credit cards philippines - metrobank travel platinum visa

Best travel credit card for: Earning miles and overseas spending

Frequent international travelers can rack up air miles quickly using the Metrobank Travel Platinum Visa with its low spend per mile conversion.

Metrobank Travel Platinum Visa Travel Benefits

  • 1 mile per PHP 17 overseas, airline, and hotel spending
  • Up to PHP 5 million travel accident insurance coverage
  • Access to more than 950 airport lounges worldwide
  • 24-hour VIP concierge service

Other Features and Benefits

  • Contactless credit card
  • 1 rewards point per PHP 20 spent in all transactions
  • 24/7 customer service on credit card-related needs
  • Minimum monthly income requirement: PHP 66,666.67

Fees and Charges

  • Annual fee: PHP 5,000 (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 3.50%

4. RCBC AirAsia Credit Card

best travel credit cards philippines - rcbc air asia

Best travel credit card for: Earning AirAsia BIG Points and exclusive AirAsia privileges

A co-branded credit card between RCBC and AirAsia, the AirAsia Credit Card offers generous perks for loyal customers of the budget airline. New cardholders can immediately redeem their 8,000 BIG Points for a free flight or save for future use. It’s also easy to collect BIG Points with the card’s low spend requirement for earning miles.

Cardholders get VIP treatment for their AirAsia flights, as they get to be the first to check-in, board the plane, and pick up their baggage ahead of other customers.

This is one of the best travel credit cards as it also entitles you to a free membership upgrade to BIG Loyalty Platinum.

AirAsia Credit Card Travel Benefits

  • Welcome gift of up to 8,000 BIG Points
  • 1 BIG Point per PHP 22 spent abroad or PHP 28 spent locally
  • 2 BIG Points per PHP 25 AirAsia purchase
  • Priority check-in, boarding, and baggage on AirAsia flights
  • Instant BIG Loyalty Platinum membership status
  • Free onboard Wi-Fi access on the first flight

Other Features and Benefits

  • Minimum monthly income requirement: PHP 20,833

Fees and Charges

  • Annual fee: PHP 2,400 (free for the first year)
  • Interest rate: 3.55%
  • Foreign currency transaction fee: 3.50%

Read more: 14 Best Air Miles Credit Cards for Cheaper Travel in the New Normal

5. UnionBank Cebu Pacific GetGo 

best travel credit cards philippines - unionbank cebupac

Best travel credit card for: Earning Cebu Pacific GetGo Points and exclusive CebuPac privileges

Do you frequently fly with Cebu Pacific? The best way to earn miles and exclusive perks with the low-cost airline is to use a UnionBank Cebu Pacific GetGo  card. This is one of the best travel credit cards for frequent Cebu Pacific flyers.

UnionBank Cebu Pacific Get Go Travel Benefits

  • 1 GetGo Point per PHP 30 spend
  • Priority check-in on Cebu Pacific flights
  • Free 5 kg. extra baggage allowance on Cebu Pacific flights
  • Free access to the Skyview Lounge at NAIA Terminal 3
  • Up to PHP 10 million travel insurance coverage
  • Exclusive Cebu Pacific and GetGo seat sales

Other Features and Benefits

  • Automatic crediting of points
  • Minimum monthly income requirement: PHP 50,000

Fees and Charges

  • Annual fee: PHP 3,000
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 2%

6. PNB-PAL Mabuhay Miles World Mastercard

best travel credit cards philippines - pnb pal

Best travel credit card for: Earning PAL Mabuhay Miles and exclusive PAL privileges; dual currency billing

For loyal PAL clients, this PNB card is one of the best miles credit cards for collecting Mabuhay Miles and enjoying exclusive perks when flying with PAL. It also has an option for dual currency billing that bills overseas purchases in US Dollars and local purchases in Philippine Peso, which means cost savings when you use your credit card abroad.

PNB-PAL Mabuhay Miles Travel Benefits

  • Welcome gift of 2,000 PAL Mabuhay Miles
  • Additional free 10,000 Mabuhay Miles for PAL transactions worth PHP 100,000 within a year of card issuance[1]
  • 1 Mabuhay Mile per PHP 33 spend
  • Priority check-in at PAL Business Class counters at NAIA
  • 5% discount on select PAL international flights booked via the PAL website
  • Up to PHP 10 million travel insurance coverage
  • Dual currency billing option
  • Emergency medical and travel assistance worldwide
  • Domestic concierge service on dining, entertainment, travel reservations, and other concerns

Other Features and Benefits

  • Up to PHP 250,000 purchase protection insurance coverage
  • Minimum monthly income requirement: PHP 40,000

Fees and Charges

  • Annual fee: PHP 6,000
  • Interest rate: 2.70%
  • Foreign currency transaction fee: 2.50%

Read more: Earn PAL Mabuhay Miles and Cebu Pacific GetGo Points Fast with These Credit Cards

7. BPI Signature Visa

best travel credit cards philippines - bpi signature visa

Best travel credit card for: Low foreign transaction fee and special foreign exchange rates

The Signature Visa is the latest addition to the BPI credit card lineup and now one of BPI’s best travel credit cards to date. On top of a range of travel perks, cardholders can save money on their overseas travels with the low foreign currency transaction fee and special rates for exchanging foreign currencies.

BPI Signature Visa Travel Benefits

  • Special exchange rates when buying foreign currencies at any BPI branch
  • Up to PHP 20 million travel insurance coverage
  • 24/7 Visa worldwide concierge and other Visa global services
  • Free Pacific Club Lounge access at NAIA 3

Other Features and Benefits

  • 1 Real Thrills Rewards Premium Point per PHP 20 spend
  • 50% discount at select partner merchants
  • Minimum monthly income requirement: PHP 80,000

Fees and Charges

  • Annual fee: PHP 5,500
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 1.85%

8. BDO Visa Platinum

best travel credit cards philippines - bdo visa platinum

Best travel credit card for: Dual currency billing and exclusive travel privileges

BDO has some of the best travel credit cards in the Philippines, and its Visa Platinum is one of them. It offers an option for dual currency billing, free VIP airport lounge access, and travel insurance, among many other travel perks.

BDO Visa Platinum Travel Benefits

  • Exclusive privileges from Visa’s partner hotels, restaurants, travel services, and golf clubs worldwide
  • Free access to over 1,200 VIP airport lounges across 140 countries
  • Up to PHP 20 million travel accident and inconvenience insurance coverage
  • Dual currency billing option
  • 24/7 Visa concierge service

Other Features and Benefits

  • 1 rewards point per PHP 40 spent locally or USD 1 spent abroad
  • 50% discount at partner restaurants
  • Minimum monthly income requirement: PHP 100,000

Fees and Charges

  • Annual fee: PHP 4,500 (free for the first year)
  • Interest rate: 2.75%
  • Foreign currency transaction fee: 2%

9. Security Bank Platinum Mastercard

best travel credit cards philippines - security bank platinum mastercard

Best travel credit card for: Saving money and enjoying perks on overseas travels

The biggest appeal of this Security Bank travel credit card is its zero foreign currency transaction fee. Coupled with its dual currency billing feature, the Platinum Mastercard leads to savings when using your card abroad.

Security Bank Platinum Mastercard Travel Benefits

  • Dual currency billing
  • Two free access to over 1,000 lounges in 500 airports worldwide per year
  • Exclusive, automatic cashback offers from participating overseas merchants
  • Free travel insurance

Other Features and Benefits

  • 1 rewards point per PHP 20 spend
  • Minimum monthly income requirement: PHP 108,333.33

Fees and Charges

  • Annual fee: PHP 4,000 (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: None

If you’re having a hard time choosing the best credit card for travelers, we have sorted out the cards according to their features.

Read more: 5 Best Credit Cards for Overseas Spending

Which travel credit cards have airport lounge access?

These credit cards offer free airport lounge access:

  • Citi PremierMiles Card
  • Metrobank Travel Platinum Visa
  • UnionBank Cebu Pacific GetGo Platinum
  • BPI Signature Visa
  • BDO Visa Platinum
  • Security Bank Platinum Mastercard

Which travel credit cards have no annual fee?

Five of the nine credit cards for travel offer no annual fee. Consider this if you want to save money on credit card fees.

  • Citi PremierMiles Card
  • Metrobank Travel Platinum Visa
  • RCBC AirAsia Credit Card
  • BDO Visa Platinum
  • Security Bank Platinum Mastercard

Which travel credit cards have travel insurance?

All travel credit cards in our list come with travel insurance except for the AirAsia co-branded credit card.

  • Citi PremierMiles Card
  • HSBC Platinum Visa
  • Metrobank Travel Platinum Visa
  • UnionBank Cebu Pacific GetGo Platinum
  • PNB-PAL Mabuhay Miles World Mastercard
  • BPI Signature Visa
  • BDO Visa Platinum
  • Security Bank Platinum Mastercard

Read more: The Perks of Using Credit Cards for Travel

Final Thoughts

Still can’t decide which of these credit cards for travel fits your needs? Do your credit cards comparison right here at Moneymax so you can easily sort cards based on the features that matter to you. Don’t worry, you’re on your way to finding the best travel credit card for you!

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Source: [1] PNB-PAL Mabuhay Miles MasterCard

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