10 Best Travel Credit Cards in the Philippines for 2019

by Venus Zoleta, on category "Credit Card"

April 24, 2019


Best Travel Credit Cards Philippines

What are the best travel credit cards today?

There are plenty of credit cards in the Philippines that offer lots of travel perks. But the best credit cards for travel 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 travel credit card that enables you to stay comfortable while waiting for your flight.

To help you choose the perfect card to use for your travels, we’ve narrowed your choices to just 10 of the best travel credit cards that meet all or some of the criteria above.

1. Citi PremierMiles Visa

Citi PremierMiles Visa

Best travel credit card for: Earning air miles

The Citi PremierMiles Visa is one of the best travel credit cards for collecting miles fast. Miles can be used to redeem free flights with 900 airlines and accommodations with more than 300,000 hotels. The never-expiring miles can also be used to pay for any non-travel purchase.

Citibank PremierMiles Visa Travel Benefits

  • 1 PremierMile per PHP 30 spent locally and overseas
  • Two free passes for VIP lounge access in the Philippines and abroad every year, plus 20% discount on lounge access fees for succeeding use
  • Up to PHP 1 million travel accident and inconvenience insurance coverage
  • 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%

Read more: 14 Best Air Miles Credit Cards for Cheaper Travel in 2019

2. Metrobank Travel Platinum Visa

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

  • 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: 3.54%
  • Foreign currency transaction fee: 3.50%

3. HSBC Platinum Visa

Best Travel Credit Cards - 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

  • 1 mile per PHP 25 spend
  • 4 rewards points per PHP 20 spent abroad and online
  • Travel accident and inconvenience insurance 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 (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 3.50%

4. AirAsia Credit Card

Best Travel Credit Cards - RCBC AirAsia Visa Credit Card

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

A partnership 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.

Having this travel credit card also entitles you to a free membership upgrade to BIG Loyalty Platinum. This means you can earn seven times more BIG Points and be the first to know about AirAsia’s BIG sale and join in the Final Call Sale for saving up to 90% on AirAsia flights.

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 15,000

Fees and Charges

  • Annual fee: PHP 200 monthly (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 3.50%

Read more: Best Credit Cards to Earn AirAsia BIG Points

5. UnionBank Cebu Pacific GetGo Platinum

Best Travel Credit Cards - UnionBank Cebu Pacific GetGo Platinum

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 Platinum card.

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

Minimum monthly income requirement: PHP 100,000

Fees and Charges

  • Annual fee: PHP 5,000
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 2%

6. PNB-PAL Mabuhay Miles World Mastercard

PNB-PAL Mabuhay Miles World Mastercard

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.

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 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 - 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

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 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.

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 - Security Bank Platinum

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.

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
  • Travel insurance

Other Features and Benefits

  • 1 rewards point per PHP 20 spent
  • High credit limit
  • 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

Read more: 5 Best Credit Cards for Overseas Spending

10. American Express Cashback

Best Travel Credit Cards - American Express Cashback

Best travel credit card for: Earning rebates on overseas purchases

If you’ll often use a credit card when traveling abroad, consider the BDO American Express Cashback card that earns rebates on overseas transactions.

Travel Benefits

  • 2% cashback on overseas purchases
  • Free travel and inconvenience insurance protection
  • 24/7 emergency assistance worldwide

Other Features and  Benefits

  • 1% cashback on local purchases
  • 5% cashback within the first three months of card issuance
  • Minimum monthly income requirement: PHP 35,000

Fees and Charges

  • Annual fee: PHP 3,000 (free for the first year)
  • Interest rate: 3.50%
  • Foreign currency transaction fee: 3.50%

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: you can easily sort cards based on the features that matter to you.