Best Travel Credit Cards in the Philippines for 2021

Published: March 1, 2021 | Updated: March 4, 2021 | Posted by: Venus Zoleta | Credit Card


Best Travel Credit Cards in the Philippines 2021 | 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. And one of the best ways to do so is by using a travel credit card.

Learn about the best travel credit cards in the Philippines and how it can benefit you in our guide.

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. Many travel cards in the Philippines also offer free travel and accident insurance coverage.

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

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 nine of the best travel credit cards in the Philippines that meet all or some of the criteria above.

9 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. If you’re not traveling yet, you can use the never-expiring miles to pay off your annual fees or to redeem gifts at select stores.

📌 Citibank PremierMiles Card Travel Benefits

  • 1 PremierMile per PHP 30 spend
  • 1.6 PremierMile = 1 mile. Use your miles to redeem cash credits that you can use to offset your next purchase.
  • Never-expiring miles! Use anytime you want.
  • Convert your PremierMiles to air miles or hotel points, hotel points, or travel cash rebates.
  • Enjoy VIP lounge access in the Philippines and abroad
  • Free travel insurance coverage up to P1 million

📌 Other Features and Benefits

  • 30-day purchase protection coverage
  • Option to convert a large purchase into smaller, more manageable monthly payments.

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 30,000
  • Annual fee: PHP 5,000 (free for the first year)
  • Interest rate: 2%
  • Foreign currency transaction fee: Up to 3.525%

Apply for any Citi credit card on the Moneymax website and get free PHP 2,000 GCash upon confirmation of your approval! Promo runs until March 31, 2021 only.

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 as low as PHP 20 spend
  • Earn 4x points on overseas spend
  • Free travel accident 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

  • Get 3x bonus points for every PHP 20 spend when you shop or dine locally
  • Enjoy 6% rebate on your first Caltex purchase and 3% Caltex fuel rebate year-round
  • Contactless credit card — no swiping necessary when paying for transactions!

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 41,666.67
  • Annual fee: PHP 5,000 (free for the first year)
  • Interest rate: 2%
  • 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 spent overseas and on airlines and hotels
  • 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
  • Waived annual fees for first supplementary card

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 66,666.67
  • Annual fee: PHP 5,000 (free for the first year)
  • Interest rate: 2%
  • Foreign currency transaction fee: 2.50%

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. Upon spending PHP 20,000 within 60 days of card issuance, new cardholders can redeem 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.

This is one of the best travel credit cards in the Philippines as cardholders get VIP treatment for their AirAsia flights. They get to be first to check-in, board the plane, and pick up their baggage ahead of other customers.

📌 AirAsia Credit Card Travel Benefits

  • Welcome gift of 8,000 AirAsia BIG Points
  • Earn BIG Point for every PHP 22 spend
  • Priority check-in, boarding, and baggage on AirAsia flights
  • Use AirAsia BIG Points to redeem free flights or vouchers from Lazada, SM Gift Pass, Grab, and many more.

📌 Other Features and Benefits

  • Convert your straight purchases to installment for up to 36 months
  • 0% installment on purchases made abroad

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 20,833
  • Annual fee: PHP 2,400 or PHP 200 monthly
  • Interest rate: 2%
  • Foreign currency transaction fee: 2.25% to 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 GetGo Travel Benefits

  • 1 GetGo Point per PHP 30 spend
  • Priority check-in on Cebu Pacific flights
  • Automatic transfer of points to enrolled GetGo account every month
  • Get exclusive access to CebuPacific and GetGo seat sales

📌 Other Features and Benefits

  • Get credit life insurance with a coverage of up to PHP 400,000 of your outstanding balance
  • Auto-charge your utility bills to UnionBank’s Bill Manager Facility

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 50,000
  • Annual fee: PHP 3,000
  • Interest rate: 2%
  • Foreign currency transaction fee: 3% will be added to the cost of processing transactions in foreign currencies.

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 travel 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 upon card activation
  • Additional free 10,000 Mabuhay Miles when you make PHP 100,000 worth of PAL transactions within 1 year from date of card issuance[1]
  • 1 Mabuhay Mile per PHP 33 spend
  • Priority check-in at PAL Business Class counters in NAIA Terminal 2
  • 5% discount on select PAL international flights booked via the PAL website
  • Free travel insurance coverage of up to PHP 10 million
  • Dual currency billing option

📌 Other Features and Benefits

  • Free purchase protection insurance of up to PHP 250,000
  • Domestic concierge service on dining, entertainment, travel reservations, and other concerns

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 200,000
  • Annual fee: PHP 6,000
  • Interest rate: 2%
  • 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 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

  • Low forex conversion rate of just 1.85%
  • Get up to PHP 20 million travel insurance coverage
  • Enjoy complimentary access to the Pacific Club Lounge at NAIA 3
  • Get special exchange rates when buying foreign currencies at any BPI branch
  • 24/7 Visa worldwide concierge and other Visa global services

📌 Other Features and Benefits

  • Earn 1 rewards points for every PHP 20 spend
  • 50% discount  on dining, hotels, resorts, fitness studios and wellness centers, all year round.

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 80,000
  • Annual fee: PHP 5,500 (free for the first year)
  • Interest rate: 1.82%
  • Foreign currency transaction fee: 0.85% of the converted amount plus an assessment fee of 1%

8. 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 the dual currency billing feature as well as its airport lounge benefits. Indeed, the Security Bank Platinum Mastercard is one of the best travel credit cards in the Philippines for those who want a more relaxed travel overseas.

✈️ Security Bank Platinum Mastercard Travel Benefits

  • Dual currency billing — pay for international transactions in US dollars
  • Get two complimentary lounge access annually (for cardholders and guest combined) in more than 1,000 lounges in 500 airports worldwide.
  • Enjoy unlimited access to the Sky View Lounge (NAIA T3)
  • Get up to USD 200 coverage with Mastercard E-Commerce Purchase Protection when you shop online
  • Comes with free travel insurance

📌 Other Features and Benefits

  • Earn 1 rewards points for every PHP 20 spend
  • Enjoy access to the latest offers by booking and reserving via Mastercard’s concierge services

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 108,333.33
  • Annual fee: PHP 4,000 (free for the first year)
  • Interest rate: 2%
  • Foreign currency transaction fee: 1% Mastercard assessment fee + 1.5% service fee

Read more: Best International Credit Cards in the Philippines for Overseas Trips

9. Maybank Platinum Visa

best travel credit cards philippines - maybank platinum visa

✈️ Best travel credit card for: earning miles and shopping overseas

If you are the kind of traveler who loves shopping abroad, then Maybank Platinum Visa might be the best travel credit card in the Philippines for you. It’s easy to collect miles with this travel card, with its PHP 50 spend = 1 mile conversion.

📌 Maybank Platinum Visa Travel Benefits

  • Earn 1% cash back on all overseas purchases
  • Low foreign currency transaction fee at 1.75%
  • Accepted worldwide in over 20 million locations
  • Enjoy access to exclusive golf clubs in 23 countries
  • Receive an SMS for each approved transactions anywhere in the world

📌 Other Features and Benefits

  • Earn one TreatsPoint for every PHP 25 spend
  • Redeem your rewards for cash credit and miles

💸 Fees and Charges

  • Minimum monthly income requirement: PHP 50,000
  • Annual fee: PHP 3,500 (free for the first year)
  • Interest rate: 2%
  • Foreign currency transaction fee: 1.75%

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

Which travel credit cards in the Philippines 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
  • Security Bank Platinum Mastercard

Which travel credit cards have no annual fee?

Lucky you because six of the nine credit cards for travel offer no annual fee on the first year. Consider this if you want to save money on credit card fees.

  • Citi PremierMiles Card
  • HSBC Platinum Visa
  • Metrobank Travel Platinum Visa
  • BPI Signature Visa
  • Security Bank Platinum Mastercard
  • Maybank Platinum Visa

Which travel credit cards have travel insurance?

These credit cards come with free travel insurance. To avail of this coverage, make sure you purchase the airline ticket using the travel credit card.

  • Citi PremierMiles Card
  • HSBC Platinum Visa
  • Metrobank Travel Platinum Visa
  • PNB-PAL Mabuhay Miles World Mastercard
  • BPI Signature Visa
  • 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!

apply for a no annual fee credit card

Source: [1] PNB-PAL Mabuhay Miles MasterCard

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