Best Credit Cards for PAL Mabuhay Miles, Cebu Pacific GetGo Points, and airasia 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®	2.5 rewards points = 1 Mabuhay Mile Exclusive airport discounts
HSBC Red Mastercard	1 air mile per ₱25 or ₱30 spend, depending on the transaction type Exclusive travel deals worldwide via HSBC’s home&Away Privilege Programme
Security Bank Platinum Mastercard	11,667 rewards points = 1,000 Mabuhay Miles Access to airport lounges worldwide Access to Marhaba Lounge
Security Bank Gold Mastercard	11,667 rewards points = 1,000 Mabuhay Miles Access to Marhaba Lounge
BPI Visa Signature	8,000 points = 1,000 PAL Mabuhay Miles or airasia rewards Access to airport lounge Up to ₱20 million travel insurance
BPI Platinum Rewards Mastercard	8,000 points = 1,000 PAL Mabuhay Miles or airasia rewards 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 international flights booked via the official PAL website all year round Pay bills in peso even for transactions abroad
PNB-PAL Mabuhay Miles Platinum Mastercard	₱48 spend = 1 rewards point = 1 Mabuhay Mile 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

Read more: Compare the Best Air Miles Credit Cards!

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^®

• 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. 

✈️ HSBC Red Mastercard 

• 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! 

Read more: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard

✈️ 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. 

Read more: Don’t Miss These 16 UnionBank Credit Card Promos This 2023

✈️ 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] 

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

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: 

• ^[1] Convert Metrobank Credit Card Rewards Points to PAL Mabuhay Miles
• ^[2] Convert Security Bank Credit Card Rewards Points to Mabuhay Miles
• ^[3] RCBC World Mastercard Features