Thinking of traveling soon? While you’re at it, start planning how you can save money using the best travel credit cards in the Philippines.
In this article, discover the best credit cards for travel and how they can benefit your upcoming local or international trip.
A travel credit card is worth it if you often travel for work or leisure and can afford to spend the card’s minimum requirement for air miles and rewards points.
The best travel credit cards in the Philippines allow you to enjoy perks such as free airport lounge access, hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide. Travel credit cards also offer free travel and accident insurance coverage.
If you travel a lot, you need to maximize your spending. Go for credit cards that offer these benefits:
By using your credit card to make travel-related transactions such as purchasing flight tickets or booking accommodations, you earn points. You can thereafter convert these points to airline miles, which you can use to fund your next flight or hotel stay.
Check your credit card's points program to know the spend-to-points and the points-to-miles requirement. A great travel credit card should make it quick for a cardholder to accumulate air miles.
Although it’s better to not actually need them, these benefits do provide peace of mind. With travel insurance, you get financial protection in case of medical emergencies; plus reimbursement for expenses incurred in case your trip gets delayed or canceled, or your luggage gets lost, delayed, or damaged.
Travel assistance, on the other hand, provides support during emergencies.
When you use your credit card abroad, you're charged a foreign currency transaction fee and currency conversion fee. Check if your credit card offers low currency transaction fees and dual currency billing so you can save money on your overseas travels.
This may seem like a nice-to-have feature, but if you're a frequent flyer, it's a must-have. Unfortunately, delayed flights are unavoidable. You might as well get comfortable while waiting for your flight.
To help you choose the perfect travel credit card, we’ve narrowed down your choices to 20 of the best travel credit cards in the Philippines that meet all or most of the criteria above.
Here's a glance at some of the best credit cards for travel:
Learn more and discover more options below:
✈️ Best travel credit card for: Earning rewards from travel and shopping spend
With the UnionBank Rewards Card, you can get 3x points when you shop and dine here and abroad, plus 1 non-expiring point for every ₱30 spend.
📌 UnionBank Rewards Card Travel Benefit
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning cashback
If you’re the kind of traveler who wants to save, the UnionBank Platinum Mastercard[1] is perfect for you. It lets you earn cashback on all your daily purchases.
The best thing about it? There’s no limit to how much cashback you can earn, and the bank doesn’t implement spending categories. Moreover, the cashback doesn’t expire.
📌 UnionBank Platinum Mastercard Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Enjoying exclusive access to Cebu Pacific sales
This is one of the best travel credit cards for frequent Cebu Pacific flyers. Use this card to earn miles and exclusive perks with the low-cost airline.
📌 UnionBank Cebu Pacific Gold Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Enjoying exclusive access to Cebu Pacific sales and availing of airport lounge access
If you consistently fly with Cebu Pacific, you might as well get this credit card. Like the card above, it earns Go Rewards points and offers access to exclusive Cebu Pacific perks and benefits. You also get travel insurance and unlimited lounge access to Marhaba and PAGSS.
📌 UnionBank Cebu Pacific Platinum Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More
✈️ Best travel credit card for: Dining at premium restaurants around the world
With the Metrobank Platinum Mastercard®, earn 1 point for every ₱20 spend. Use the points to redeem air miles and other rewards. If you're into gastronomic adventures, you can also enjoy up to 50% off on premium dining offers.
📌 Metrobank Platinum Mastercard® Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Enjoying premium perks while traveling
If you love traveling luxuriously, consider the Metrobank World Mastercard®. Get 2x rewards points for international purchases and enjoy exclusive access to airport deals.
📌 Metrobank World Mastercard® Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Enjoying convenience 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. It's one of the best travel credit cards in the Philippines for those who want a relaxed trip overseas.
📌 Security Bank Platinum Mastercard Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Traveling and shopping safely and conveniently
Enjoy peace of mind with the Security Bank World Mastercard,[2] which comes with free travel insurance and e-commerce purchase protection. Relax and enjoy access to more than 1,300 lounges in over 500 airports worldwide and exclusive dining, spa, and retail offers from select airport merchants.
📌 Security Bank World Mastercard Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
Read more: Credit Card Battle: Security Bank Platinum vs World Mastercard Review
✈️ Best travel credit card for: Looking for an affordable way to fly
Do you travel abroad at least once or twice a year? Get the best of both worlds—premium perks and affordability—when you book your trips with a BPI Platinum Rewards Card.
It offers loads of exclusive travel deals on top of a fast rewards earn rate. That means you can easily accumulate airline miles for free flights.
📌 BPI Platinum Rewards Card Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Availing of low foreign transaction fees and special foreign exchange rates
The Signature Card is one of BPI’s best travel credit cards. On top of a range of travel perks, cardholders can save money on their overseas travels with its low foreign currency transaction fee and special rates for exchanging foreign currencies.
📌 BPI Signature Card Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
Read more: The Online Shopper’s Best Friend: What is the BPI eCredit Card?
🚗 Best travel credit card for: Going on road trips
With constantly increasing fuel prices, weekend warriors who conquer dirt roads and surf the waves of local beaches need the Petron BPI Card. Enjoy a 3% rebate every time you gas up at any participating Petron gasoline station nationwide.
📌Petron BPI Card Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning miles and redeeming points easily
With a fully loaded travel program, UnionBank Miles + Platinum Visa holders can earn points for every travel expense. You can also opt to redeem your miles points to waive credit card fees or pay for your next trip.
📌 UnionBank Miles+ Platinum Visa Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning miles and spending overseas
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
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning AirAsia Points and enjoying 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.
This is one of the best travel credit cards in the Philippines as cardholders get VIP treatment for their AirAsia flights. They get to check in, board the plane, and pick up their baggage ahead of other customers.
📌 RCBC AirAsia Credit Card Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Enjoying flexibility when earning points
The RCBC Flex Visa is the best travel credit card in the Philippines for young professionals or credit card newbies who want sophisticated features. This card lets you earn 2x rewards points on your preferred spending categories. It even lets you switch categories every billing cycle.
Charge your international travel-related expenses to this card and get free travel insurance. Moreover, the RCBC Flex Visa gives you access to airport lounges at NAIA Terminals 1 and 3.
📌 RCBC Flex Visa Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning miles with your preferred airline
The RCBC Visa Platinum is the best travel credit card in the Philippines for holidaymakers who want lavish trips. Majority of its features scream luxury. Case in point: 24/7 Visa concierge, preferred air miles, and generous travel insurance coverage.
📌 RCBC Visa Platinum Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning PAL Mabuhay Miles and enjoying exclusive PAL privileges
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 savings when you use your credit card abroad.
📌 PNB-PAL Mabuhay Miles World Mastercard Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Shopping overseas
If you’re the kind of traveler who loves shopping abroad, the Maybank Platinum Visa might be the best travel credit card in the Philippines for you. It’s also easy to collect miles with this travel card, thanks to its ₱50 spend = 1 mile conversion.
📌 Maybank Platinum Visa Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
✈️ Best travel credit card for: Earning miles with Singapore Airlines and Scoot
Love Singapore Airlines’ services? If so, get the EastWest Singapore Airlines KrisFlyer World Mastercard to enjoy exclusive benefits, such as fast spend-to-miles conversion rates that also apply to Scoot. Other features include free travel insurance and a low currency conversion fee.
📌 EastWest Singapore Airlines KrisFlyer World Mastercard Travel Benefits
📌 Other Features and Benefits
💸 Fees and Charges
Can't choose the best credit card for travelers? We sorted out the cards according to their features. Check them out below:
If you’re looking for a credit card with free airport lounge access in the Philippines, consider the following:
To avail of this coverage, make sure you purchase the airline ticket using the travel credit card.
These are some of your options for the best travel credit card in the Philippines. If you still can't decide which one fits your needs, you can compare credit cards, choose the right one, and apply for a credit card right here via Moneymax. It's quick, easy, and free!
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