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Best Travel Credit Cards in the Philippines

Travel often? Get the best travel perks and save money while traveling with the help of a travel credit card.

FEATURED

UnionBank Rewards Credit Card

Annual Fee

Free

info

No annual fees for carded first-time UnionBank cardholders when you apply until December 31, 2025 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

31 December 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

FEATURED

HSBC Red Mastercard

Annual Fee

₱ 2,500 per year

Min. Annual Income

₱ 400,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

JLab Go Air Tone True Wireless Earbuds

Valid until

31 May 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 May 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

JLab Go Air Tone True Wireless Earbuds; or
₱2,000 eGift

FEATURED

Metrobank Titanium Mastercard®

Annual Fee

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until March 31, 2025 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

₱1,000 eGift

Valid until

31 May 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

₱1,000 eGift

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

PNB Visa Gold

Annual Fee

₱ 600 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 600,000

info

₱50,000 Monthly

Things to consider for this product:

check

Travel insurance

check

Installment

check

Exclusive discounts

remove

No rewards

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Active landline / mobile phone number
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 600000

Landline Required: Required

Security Bank World Mastercard

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

Yes

info

Free on the first year

Min. Annual Income

₱ 3,000,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income: 1 month payslip or ITR

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Deposit account: Must be a Security Bank depositor for at least 1 year
Audited Financial Statements: In the last 2 years
Business registration/permits: SEC/DTI Registration

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 3000000

Landline Required: Required

Security Bank Platinum Mastercard

Annual Fee

₱ 4,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 780,000

Things to consider for this product:

check

Travel insurance

check

Airport lounge

check

Shopping points

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income: 1 month payslip or ITR

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Deposit account: Must be a Security Bank depositor for at least 1 year
Audited Financial Statements: In the last two years
Business registration/permits: SEC/DTI Registration

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 780000

Landline Required: Required

RCBC Flex Gold Visa

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 600,000

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 600000

Landline Required: Required

RCBC Unionpay Diamond Card

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Bonus air miles

check

Travel insurance

remove

High income requirement

RCBC Gold Mastercard

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Not Available

Min. Annual Income

₱ 600,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

remove

High income requirement

remove

Credit card required

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 600000

Landline Required: Required

UnionBank Platinum Mastercard

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Min. Annual Income

₱ 600,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

No-brainer rebate

check

Overseas rebate

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Cash Advance Monthly Effective Interest Rate: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 600000

Landline Required: Not required

BPI Gold Rewards Card

Annual Fee

₱ 2,250 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 480,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Insurance installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number

Signed Certificate of Employment.

Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 480000

Landline requirement: Required

UnionBank Cebu Pacific Gold

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Min. Annual Income

₱ 360,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Travel points

check

Nice card face

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 360000

Landline Required: Not required

PNB Diamond UnionPay

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 120,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline Required: Not required

Beginner Rewards

BPI Rewards Card

Annual Fee

₱ 1,550 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number

Signed Certificate of Employment

Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 180000

Landline requirement: Required

PNB-PAL Mabuhay Miles Platinum Mastercard

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

info

Waived on the first year only.

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline requirement: Not required

PNB Platinum Mastercard

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 600,000

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Required Documents

Regular Employee
Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 600000

Landline Required: Not required

Maybank Platinum Mastercard

Annual Fee

₱ 3,500 per year

info

Free for the first year.

Annual Fee Waiver

Yes

info

Annual fee waived for the first year.

Min. Annual Income

₱ 650,000

Things to consider for this product:

check

Free reward points

check

Overseas rebate

check

Exclusive discounts

remove

High income requirement

RCBC Flex Visa

Annual Fee

₱ 1,500 per year

Annual Fee Waiver

Yes

info

Free on the first year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

Terms and Conditions :

Step to Apply :

Credit card requirement: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 180000

Landline requirement: Required

RCBC Black Card Platinum Mastercard

Annual Fee

₱ 3,600 per year

Annual Fee Waiver

Yes

info

Free for the first year.

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Online shopping points

check

Travel insurance

remove

High income requirement

PNB-PAL Mabuhay Miles World Mastercard

Annual Fee

₱ 6,000 per year

Annual Fee Waiver

info

Waived on the first year only.

Minimum Annual Income

₱ 2,400,000

Things to consider for this product:

check

Bonus air miles

check

Installment

check

Exclusive discounts

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Minimum Annual Income : ₱ 2400000

Landline Required: Not required

PNB Essentials Mastercard

Annual Fee

₱ 1,200 per year

Annual Fee Waiver

Available

info

Waived on the first year only.

Min. Annual Income

₱ 120,000

info

₱10,000 Monthly

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Good for beginners

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline Required: Not required

AUB Platinum Mastercard

Annual Fee

Free

info

No annual fee for life

Annual Fee Waiver

Yes

Min. Annual Income

₱ 1,200,000

info

₱100,000 Monthly

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

PNB-PAL Mabuhay Miles NOW Mastercard

Annual Fee

₱ 1,000 per year

Annual Fee Waiver

Yes

info

Waived on the first three years.

Min. Annual Income

₱ 120,000

info

₱10,000 Monthly

Things to consider for this product:

check

Bonus air miles

check

Air ticket rebate

check

No Annual Fee

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Active landline / mobile phone number
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline Required: Required

AUB Gold Mastercard

Annual Fee

Free

info

No annual free for life

Annual Fee Waiver

Yes

Min. Annual Income

₱ 600,000

info

₱50,000 Monthly

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

RCBC Visa Infinite

Annual Fee

₱ 3,600 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 3,600,000

Things to consider for this product:

check

No-brainer rebate

check

Retail rebate

check

Travel insurance

remove

High income requirement

RCBC YGC Rewards Plus Platinum Mastercard

Annual Fee

₱ 3,600 per year

info

₱3,600 for Platinum Mastercard, ₱3,000 for Gold Visa, ₱1,500 for Classic Visa.

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 230,000

Things to consider for this product:

check

Shopping points

check

Airport lounge

check

Exclusive discounts

check

Good for beginners

RCBC World Mastercard

Annual Fee

₱ 3,600 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 3,600,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

AirAsia Credit Card

Annual Fee

₱ 3,600 per year

info

Monthly charge of ₱300

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 250,000

Things to consider for this product:

check

Travel points

check

Bonus air miles

check

Airport lounge

check

Exclusive discounts

RCBC JCB Platinum

Annual Fee

₱ 3,600 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Platinum Rewards Card

Annual Fee

₱ 4,000 per year

Annual Fee Waiver

Yes

info

Free on the first year

Min. Annual Income

₱ 1,000,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Online shopping points

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 1000000

Landline Required: Required

RCBC Zalora Credit Card

Annual Fee

₱ 4,000 per year

Annual Fee Waiver

Yes

Min. Annual Income

₱ 300,000

Things to consider for this product:

check

Online shopping points

check

Online shopping rebate

check

Travel insurance

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 300000

Landline Required: Required

Bank of Commerce Platinum Mastercard

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

Not Available

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Dining points

check

Travel insurance

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required : Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline Required : Required

RCBC Visa Platinum

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Airport lounge

remove

High income requirement

UnionBank Rewards Credit Card

Annual Fee

Free

info

Annual Fee Waiver

Yes

info

No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

31 December 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

UnionBank Cebu Pacific Platinum

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

Min. Annual Income

₱ 600,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Travel points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 600000

Landline Required: Not required

BPI Visa Signature Card

Annual Fee

₱ 5,500 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 1,200,000

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required : Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With bank/BIR stamp
Proof of income: Latest ITR with bank/BIR stamp

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 1200000

Landline Required : Required

Bank of Commerce World Mastercard

Annual Fee

₱ 6,000 per year

Annual Fee Waiver

Not Available

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Shopping points

check

Travel points

check

Travel insurance

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline Required: Required

RCBC Diamond Card Platinum Mastercard

Annual Fee

₱ 2,500 per year

Annual Fee Waiver

Available

info

Waived on the first year only. Apply until April 30, 2023 and make an annual spend of ₱300,000 to waive your next annual fee

Min. Annual Income

₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

remove

High income requirement

RCBC JCB Classic

Annual Fee

₱ 1,500 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

RCBC Classic Mastercard

Annual Fee

₱ 1,500 per year

Annual Fee Waiver

Yes

info

Free on the first year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

UnionBank Go Rewards Platinum Visa

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

N/A

Min. Annual Income

₱ 180,000

info

₱180,000 for carded individuals; ₱250,000 for non-carded individuals

Offer Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Airport lounge

check

Travel insurance

remove

Shopping points

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Proof of income: Signed Certificate of Employment, BIR 2316, latest 3 months payslips or ITR, 3 months copy of your Bank Statement of Account from another bank, proof of pension

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70

Min. Annual Income: ₱ 180000

Landline requirement: Not required

UnionBank Miles+ Visa Signature

Annual Fee

₱ 5,000 per year

Annual Fee Waiver

N/A

Min. Annual Income

₱ 360,000

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

30,000 Miles

Valid until

31 December 2025

Things to consider for this product:

check

No expiry miles

check

Travel insurance

check

Airport lounge

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

30,000 Miles

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee:

- Government-issued ID

- Valid TIN / SSS / GSIS or UMID number

- Signed Certificate of Employment

- Proof of income

Self-employed:

- Government-issued ID

- Valid TIN / SSS / GSIS or UMID number

- Audited Financial Statements

- Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 360000

Landline requirement: Not required

EastWest Visa Platinum

Annual Fee

₱ 3,600 per year

Annual Fee Waiver

Available

info

Automatically waive your annual fee when you make an accumulated spend worth ₱1.5 million 12 months from your card anniversary date

Min. Annual Income

₱ 1,000,000

Things to consider for this product:

check

No-brainer rebate

check

Travel insurance

check

Annual Fee waiver

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1000000

Landline requirement: Not required

EastWest Platinum Mastercard

Annual Fee

Free

info

No annual fee for life

Annual Fee Waiver

Yes

info

Waived for life

Min. Annual Income

₱ 1,800,000

Things to consider for this product:

check

No Annual Fee

check

Travel insurance

check

Airport lounge

check

Shopping points

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1800000

Landline requirement: Not required

EastWest Gold Mastercard

Annual Fee

₱ 2,500 per year

Annual Fee Waiver

Not Available

Min. Annual Income

₱ 480,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Contactless payment

remove

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 480000

Landline requirement: Not required

What is a travel credit card?

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A travel credit card boasts smart-saving and convenient benefits that jet setters will love—free airport lounge access and/or membership, complimentary hotel or resort overnight stay, and free travel insurance, among many others.

How does a travel credit card work?

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Unlock most of your travel card’s benefits when you purchase a travel ticket using your credit card:

Free travel insurance
Free or exclusive access to airport lounges
Global travel assistance for cash advance or card-related emergencies

Can’t pay for your travel ticket in one go? Some credit cards allow a minimal add-on or 0% interest installment plan when purchasing a travel ticket.

Not all features are ticket-dependent. You can request or get access to dual currency billing, low foreign currency fees, and accelerated reward points on travel spend without having to buy a travel ticket using your card.

How do I choose the best travel credit card?

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Travel Insurance and Assistance. Consider this a benefit you shouldn’t need, but it’s a benefit nonetheless. Travel more with the peace of mind that you’re financially covered while you’re out exploring.

Dual Currency Billing. When you travel to a foreign land, you’ll need a credit card that can save you as much money as possible. Get one with dual currency billing or a low foreign currency transaction fee to help you do just that.

Airport Lounge Access. It’s a known reality that flights can get delayed, or worse, denied. Sometimes, it can happen when you least expect it. Get yourself an air miles credit card that can give you access to VIP airport lounges worldwide. Stay comfortable while waiting for your next flight with this perk.

Waived Annual Fees. It’s always an advantage to pick a credit card with waived annual fees, regardless of purpose. So get yourself an air miles credit card with no annual fees to save more on your travels.

Frequent Business Flyer Program. Check for the best travel credit card for businesses that have a special program or rewards for owners and executives who travel often.

Should you get a travel credit card?

expand_more

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 leisure as it allows you to enjoy travel perks such as airport lounge access, free travel and accident insurance coverage, hotel and fuel discounts, and exclusive shopping and dining deals from merchants worldwide.

Is it a good idea to get a travel credit card today?

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For seasoned travelers, any time is a good time to get a travel credit card. For travelers on a budget, getting a travel card that has an installment plan for your plane ticket will help you with the payment while newbie tourists will enjoy the convenience most travel cards provide since it automatically comes with free travel insurance and access to a 24/7 concierge service that will help you with your travel concerns and inquiries.

Best Travel Credit Cards in the Philippines

UnionBank Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

PNB Visa Gold

Things to consider for this product:

Quick Facts

Security Bank World Mastercard

Things to consider for this product:

Quick Facts

Security Bank Platinum Mastercard

Things to consider for this product:

Quick Facts

RCBC Flex Gold Visa

Things to consider for this product:

Quick Facts

RCBC Unionpay Diamond Card

Things to consider for this product:

Quick Facts

RCBC Gold Mastercard

Things to consider for this product:

Quick Facts

UnionBank Platinum Mastercard

Offer Available

Things to consider for this product:

Quick Facts

BPI Gold Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

UnionBank Cebu Pacific Gold

Offer Available

Things to consider for this product:

Quick Facts

PNB Diamond UnionPay

Things to consider for this product:

Quick Facts

BPI Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

PNB-PAL Mabuhay Miles Platinum Mastercard

Things to consider for this product:

Quick Facts

PNB Platinum Mastercard

Things to consider for this product:

Quick Facts

Maybank Platinum Mastercard

Things to consider for this product:

Quick Facts

RCBC Flex Visa

Things to consider for this product:

Quick Facts

RCBC Black Card Platinum Mastercard

Things to consider for this product:

Quick Facts

PNB-PAL Mabuhay Miles World Mastercard

Things to consider for this product:

Quick Facts

PNB Essentials Mastercard

Things to consider for this product:

Quick Facts

AUB Platinum Mastercard

Things to consider for this product:

Quick Facts

PNB-PAL Mabuhay Miles NOW Mastercard

Things to consider for this product:

Quick Facts

AUB Gold Mastercard

Things to consider for this product:

Quick Facts