Traveling is more than just a getaway; it's an experience that enriches the soul and broadens horizons. In the Philippines, credit cards have evolved into powerful tools that not only facilitate purchases but also offer rewards that can transform your travel dreams into reality.
This comprehensive guide delves into the best travel credit cards available in the Philippines in 2025, highlighting their unique features, benefits, and how they can enhance your travel experiences. From earning air miles to enjoying exclusive perks, discover how these financial tools can be your passport to a world of possibilities.
Travel Hacks to Maximize Your Credit Card Benefits for Your Next Trip
Planning a trip is exciting, but making the most of your credit cards can help save money and enhance your travel experience. Here are four travel hacks to maximize your credit card rewards:
✅ Maximize Points Conversion to Airline Miles
Convert credit card points into airline miles for better value. Keep an eye on conversion rates and fees to get the best value.
✅ Travel ASEAN? Get Cards That Offer Rewards for Regional Travel
For frequent ASEAN travelers, certain cards offer region-specific perks.
✅ Request a Travel Limit Boost Before Your Trip Abroad
Need more spending flexibility abroad? Request a temporary credit limit increase. Contact your issuer ahead of time and explain your travel expenses. Keep in mind that a credit check may be required.
✅ Compare Cards with Zero Forex Fees, Concierge Services, and Insurance Coverage
Choose cards with added benefits for international travel, such as zero forex fees, concierge services, and insurance coverage.
✅ On a Budget? Check Out These 22 Travel Hacks to Try for a More Meaningful Trip.
15 Best Travel Credit Cards in 2025
Here’s a look at some of the top travel credit cards in the Philippines:
- Annual Fee: Free for first-time UnionBank cardholders who apply until December 31, 2025, and spend at least ₱20,000 within 60 days from card approval date. After the promo, the annual fee is ₱2,500.
- Travel Benefits: Earn 3x non-expiring reward points on local and international dining and shopping.
- Ideal For: Frequent travelers who want versatile rewards for dining and shopping.
- Annual Fee: ₱2,500 (waived for the first year).
- Travel Benefits: Earn 2x reward points on dining, department store, and online purchases; 1 point per ₱20 spent on other categories.
- Ideal For: Individuals seeking a rewards card with no annual fee for the first year and double points on select spending categories.
- Annual Fee: ₱600 per year (waived on the first year).
- Travel Benefits: Travel insurance; installment options; exclusive discounts.
- Ideal For: Travelers seeking basic travel benefits at a low annual fee.
- Annual Fee: ₱3,000 per year (waived on the first year).
- Travel Benefits: Airport lounge access; travel insurance; free reward points.
- Ideal For: Travelers seeking premium benefits with a moderate annual fee.
- Annual Fee: ₱3,000 per year (waived on the first year).
- Travel Benefits: Free reward points; bonus air miles; travel insurance.
- Ideal For: High-income earners seeking extensive travel rewards.
- Annual Fee: ₱3,000 per year.
- Travel Benefits: Free reward points; travel insurance.
- Ideal For: Travelers seeking basic benefits at a moderate annual fee.
- Annual Fee: ₱3,000 per year.
- Travel Benefits: Overseas rebate; airport lounge access.
- Ideal For: High-income earners seeking premium travel benefits.
- Annual Fee: ₱2,250 per year (waived on the first year).
- Travel Benefits: Shopping points; travel insurance; installment options; exclusive discounts.
- Ideal For: Travelers seeking a balance between rewards and benefits.
- Annual Fee: ₱3,000 per year.
- Travel Benefits: Travel points; exclusive discounts.
- Ideal For: Cebu Pacific flyers seeking additional rewards.
- Annual Fee: ₱3,000 per year (waived on the first year).
- Travel Benefits: Bonus air miles; free reward points; installment options; exclusive discounts.
- Ideal For: Travelers seeking extensive rewards and benefits.
- Annual Fee: ₱1,200 (waived for the first year)
- Travel Benefits: Earn bonus air miles and free reward points; enjoy installment options and exclusive discounts.
- Ideal For: Beginners seeking a low-cost card with essential travel benefits.
12. AUB Platinum Mastercard
- Annual Fee: Free for life
- Travel Benefits: Earn shopping points and bonus air miles; enjoy exclusive discounts.
- Ideal For: High-income earners looking for a premium card with no annual fee.
13. RCBC JCB Platinum
- Annual Fee: ₱3,600 (waived for the first year)
- Travel Benefits: Earn free reward points; enjoy travel insurance and airport lounge access.
- Ideal For: Travelers seeking premium benefits with a moderate annual fee.
14. BPI Platinum Rewards Card
- Annual Fee: ₱4,000 (waived for the first year)
- Travel Benefits: Earn free reward points; enjoy online shopping points and airport lounge access.
- Ideal For: High-income earners seeking premium travel benefits.
15. RCBC Zalora Credit Card
- Annual Fee: ₱4,000 (waived for the first year)
- Travel Benefits: Earn online shopping points and rebates; enjoy travel insurance and exclusive discounts.
- Ideal For: Online shoppers seeking a card with travel benefits.
Sample Itinerary Using Card Points for Flights, Hotels, and Grab Rides
Here’s a sample itinerary using card points for flights, hotels, and Grab rides:
|
Day |
Activity |
Card Used |
Points Earned |
Redemption |
|
Day 1 |
Flight to Your Destination |
UnionBank Rewards Credit Card |
3x points on dining and shopping |
Convert points to airline miles for flight booking |
|
Day 2 |
Hotel Stay |
Metrobank Titanium Mastercard® |
2x points on dining and online purchases |
Use points for hotel discounts or upgrades |
|
Day 3 |
Exploring the City |
RCBC Flex Gold Visa |
Free reward points |
Redeem points for dining, sightseeing, or insurance |
|
Day 4 |
Grab Rides |
BPI Gold Rewards Card |
Shopping points and travel perks |
Use points for Grab ride discounts |
|
Day 5 |
Return Flight |
PNB Visa Gold |
Travel insurance and discounts |
Redeem points for return flight or upgrades |
Read more: Being Your Own Tour Operator: Guide to DIY Travel Planning
Final Thoughts
The right travel credit card can make your trips more rewarding with perks like miles, travel insurance, and airport lounge access. The 15 best travel credit cards in the Philippines for 2025 listed above offer incredible benefits to help you save money and enhance your travel experience.
Travel often? Maximize your perks and savings with the best travel credit cards. Explore and compare your options today using the Moneymax credit card comparison tool.
Back to Blog