Best Travel Credit Cards in the Philippines 2026 | Compare Miles, Perks & Fees
Updated: Aug 19, 2026
Card | Hot Reward Pick | Moneymax Reward | Annual Fee | Min. Annual Income | ||
|---|---|---|---|---|---|---|
 | UnionBank Rewards Visa Platinum Credit Card | - | - | No Annual Fee | ₱180,000 | |
 | UnionBank Miles+ World Mastercard | ₱4,000 | ₱5,000 per year | ₱360,000 | ||
 | UnionBank Cebu Pacific Gold | ₱4,000 | ₱3,000 per year | ₱360,000 | ||
 | UnionBank Cebu Pacific Platinum | - | - | ₱5,000 per year | ₱600,000 | |
 | Metrobank Titanium Mastercard | ₱4,295 | No Annual Fee - limited-time offer! | ₱180,000 | ||
 | RCBC Visa Platinum | - | - | No Annual Fee | ₱1,000,000 | |
 | RCBC Visa Infinite | - | - | ₱0 No Annual Fee for Life—limited-time offer! | ₱2,000,000 | |
 | RCBC Gold Mastercard | - | - | ₱3,000 per year | ₱500,000 | |
 | RCBC Black Card Platinum Mastercard | - | - | ₱3,600 | ₱1,000,000 | |
 | RCBC JCB Platinum | ₱4,699 | ₱3,600 | ₱1,000,000 | ||
 | RCBC World Mastercard | - | - | ₱3,600 per year | ₱2,000,000 | |
 | BPI Gold Rewards Card | ₱2,595 | ₱2,250 per year | ₱480,000 | ||
 | BPI Rewards Card | ₱2,595 | ₱1,550 | ₱180,000 | ||
 | BPI Platinum Rewards Card | ₱2,095 | ₱4,000 per year | ₱1,000,000 | ||
 | BPI Visa Signature Card | ₱2,595 | ₱5,500 | ₱1,200,000 | ||
 | Security Bank World Mastercard | - | - | ₱5,000 per year | ₱3,000,000 | |
 | Security Bank Platinum Mastercard | - | - | ₱4,000 per year | ₱780,000 |
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
- No annual fee
- Free reward points
- Accelerated rewards
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
- No expiry miles
- Travel insurance
- Airport lounge
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
- Travel points
- Nice card face
- Exclusive discounts
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
- Travel points
- Travel insurance
- Airport lounge
- High income requirement
- Earn 2x rewards points on dining, department store, and online purchases
- Earn one (1) point for every ₱20 spend
- Enjoy exclusive credit card features from Metrobank
- Ideal for: money-savvy cardholders shopping for essentials
- No annual fee
- Dining points
- Free reward points
- Earn one (1) Preferred Air Mile for as low as ₱25 per spend.
- Up to 100% temporary increase in credit limit during travel period.
- Free travel insurance up to ₱5 million and other travel perks.
- Get complimentary Priority Pass membership worldwide.
- Ideal for: VIP travelers and premium seekers.
- Bonus air miles
- Travel insurance
- Airport lounge
- High income requirement
- Earn reward points for as low as ₱36 per spend.
- Get 5% rebate at any local or international clothing shops.
- Free travel insurance up to ₱1 million along with other travel perks.
- Free-for-life supplementary cards for up to nine cardholders.
- Ideal for: cardholders who love to shop and travel.
- No-brainer rebate
- Retail rebate
- Travel insurance
- High income requirement
- Earn reward points for as low as ₱36 per spend.
- Exchange your points to air miles and other rewards.
- Free travel insurance and purchase protection for every travel.
- Access free budget monitoring tools to help organize your finances.
- Ideal for: money-savvy cardholders and frequent flyers.
- Free reward points
- Travel insurance
- High income requirement
- Credit card required
- Non-expiring reward points.
- Free Travel Insurance up to ₱1,000,000.
- Free Purchase Protection up to P50,000.
- Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.
- 0% installment for your purchases abroad.
- Shopping points
- Online shopping points
- Travel insurance
- High income requirement
- Earn reward points for as low as ₱25 per spend.
- Access to world-class travel benefits and offers.
- Free travel insurance of up to ₱1 million for every trip.
- Free access to the Marhaba/Skyview Airport Lounge.
- Ideal for: frequent travelers locally and internationally.
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
- Earn reward points for as low as ₱36 per spend.
- Enjoy exclusive deals with Mastercard Moments.
- Free travel insurance and purchase protection.
- Free supplementary cards up to nine cardholders.
- Ideal for: shopaholics and travel enthusiasts.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance up to ₱10 million
- Enjoy a whole roster of discounts all year round
- Ideal for: cardholders looking for premium perks
- Shopping points
- Travel insurance
- Insurance installment
- Exclusive discounts
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
- Free reward points
- Travel insurance
- Installment
- Exclusive discounts
- Earn 2 BPI points for every ₱30 local spend.
- Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
- Convert straight payments on airfares to installment with 0% interest.
- Get up to ₱10 million free travel insurance.
- Get up to 180 days of purchase protection insurance.
- Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.
- Ideal for: frequent travelers looking for premium perks.
- Free reward points
- Online shopping points
- Airport lounge
- High income requirement
- Earn 2 BPI points for every ₱20 spend.
- Get up to ₱20 million free travel accident and inconvenience benefit.
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.
- Ideal for: savvy shoppers and frequent travelers
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
- Waived annual fee on the first year.
- Earn 3x points for every ₱20 spend.
- Membership to more than 1,000 lounges in over 500 airports worldwide.
- Free travel insurance coverage up to ₱10 million.
- Dining, spa, and retail offers from select exclusive airport merchants.
- Ideal for: travel aficionados who want more travel perks.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
- Earn 2 reward points for every ₱20 spend.
- Free travel insurance up to ₱10 million.
- Free online purchase protection up to $200.
- Access to 1,000 airport lounges worldwide.
- Ideal for: frequent travelers and international shoppers.
- Travel insurance
- Airport lounge
- Shopping points
- High income requirement
Travel Credit Cards • Philippines
Best Travel Credit Cards in the Philippines (2025)
Compare air-miles earn rates, airport lounge access (Priority Pass & DragonPass), low forex fees, and travel insurance, and then apply online via Moneymax.
Updated for 2025 • Lounge entitlements, FX fees, and insurance are subject to bank T&Cs
Why Compare Travel Credit Cards?
Picking the right travel credit card in the Philippines helps you save on foreign fees, enjoy lounge access, and earn miles faster. Filter by miles/points earn rate, lounge passes, travel insurance, and foreign transaction fees.
- See 1 mile/₱30 earners, 3×–5× overseas multipliers, and miles that don’t expire
- Check Priority Pass / DragonPass access and local lounges (PAGSS, Marhaba, A Lounge)
- Compare FX fees and insurance inclusions
- Apply online securely via Moneymax
Top Travel Cards: Highlights
UnionBank Miles+ Visa Signature
Miles that don’t expire + lounge Earn 1 mile/₱30 spend DragonPass: 2 lounge passes/yr Travel insurance (when fares charged)
BPI Visa Signature
Low FX + premium travel perks Low FX fee ~1.85% 2 pts/₱20 (convertible to miles) Lounge access & travel services
BPI Platinum Rewards Mastercard
Priority Pass with free passes Priority Pass membership Up to 4 free lounge passes/yr (with spend) Travel insurance up to ₱10M
Metrobank World Mastercard®
3× points on FX + lounges 3× points on foreign currency 2 global lounge passes/yr (MTP) Unlimited local lounge access
Security Bank World Mastercard
Unlimited local lounges + insurance Unlimited local lounge access Global lounge program (MCAE) Travel medical insurance (up to USD100k)
Security Bank Platinum Mastercard
Solid travel bundle + double points Airport lounge access Free travel insurance 2× non-expiring points
RCBC Visa Infinite
5× overseas / 3× local online 5× points overseas 3× points local online Priority Pass + PAGSS access (per program)
RCBC Visa Platinum
Preferred AIRMILES + lounges As low as ₱25/airmile (overseas) Priority Pass membership PAGSS lounge access (local)
Quick Compare (Editor’s Picks)
| Credit Card | Why It Stands Out |
|---|---|
| UnionBank Miles+ Visa Signature | Simple 1 mile/₱30 earn with non-expiring miles; DragonPass membership with 2 complimentary passes/year; bundled travel insurance when fares are charged. |
| BPI Visa Signature | Low FX fee (~1.85%), 2 pts/₱20 convertible to miles, lounge access and premium travel services—great one-card abroad. |
| BPI Platinum Rewards Mastercard | Priority Pass with up to 4 complimentary lounge passes/year (with qualifying spend), plus travel insurance up to ₱10M. |
| Metrobank World Mastercard® | 3× points on foreign spend + 2 global lounge passes/year via Mastercard Travel Pass and unlimited local lounge access. |
| Security Bank World Mastercard | Unlimited local lounge access (Marhaba, PAGSS, A Lounge), global lounge network via MCAE, and travel medical insurance up to USD100k. |
| RCBC Visa Infinite | Top multipliers (5× overseas / 3× local online), Priority Pass membership, and local lounge access per RCBC program. |
Entitlements, caps, eligible lounges, and FX fees can change (and some lounge passes require registration or qualifying spend). Always review the bank’s latest T&Cs on the application page before applying.
How to Choose a Travel Card
- Miles vs. points: If you redeem flights/hotels, prioritize pure miles earners or cards with high overseas multipliers (3×-5×).
- Lounge access: Check if passes are global (Priority Pass/DragonPass) and whether local lounges (PAGSS/Marhaba/A Lounge) are included or unlimited.
- FX fees: Frequent travelers benefit from lower forex conversion fees (around 1.85% is competitive locally).
- Insurance & protections: Confirm coverage triggers (e.g., pay full fare with the card) and limits (medical, trip delay, baggage).
- Stack smart: Pair an “overseas multiplier” card with a “domestic lounge/insurance” card if you travel 3×+/year.
Moneymax Pro Tip Register your lounge benefit (Priority Pass or Mastercard Travel Pass/DragonPass) before flying, most programs require app registration to generate your QR lounge passes.
FAQs
Do miles/points expire?
Some programs don’t expire (e.g., UnionBank Miles+ miles; select RCBC points). Others may - check the bank’s rewards T&Cs.
How many lounge passes do I get?
Varies. Examples: UnionBank Miles+ (2 via DragonPass/year), Metrobank World (2 global via Mastercard Travel Pass + unlimited local), BPI Platinum (up to 4/year with qualifying spend). Always confirm current rules.
Are foreign transaction fees waived?
Usually not-compare FX fees (around 1.85% is among the lowest). Rates can be promo-based and change over time.
Disclaimer: Features may change without prior notice and can vary by promo period, merchant category definitions (MCC), program partners, or how transactions post.
Credit Cards • Philippines
Find the Best Credit Card for Your Lifestyle
Looking for the best credit card in the Philippines? Moneymax helps you compare features, perks, and promos side-by-side. Whether you want a no-annual-fee card, maximum cashback, travel rewards, fuel savings, or your very first card, you’ll find a match in minutes.
Updated for 2026 • Offers subject to Moneymax and bank terms & conditions
Why Should You Compare Credit Cards?
Picking the right card helps you save more and maximize rewards. Our comparison tool lets you filter cards based on:
- Annual fees, waiver options, and eligibility requirements
- Cashback rates, rewards points, and miles earn
- Exclusive welcome gifts and promos
- Supplementary benefits such as travel insurance, lounge access, and fuel rebates
Top Credit Cards in the Philippines (2026): Highlights
Quick snapshots for each featured card—who it’s best for and three standout perks.
UnionBank Rewards Credit Card
Shop & dine points machine 3× points on select spend ₱30 = 1 pt (base) Flexible redemptions
UnionBank Cash Back Visa Platinum
Grocery-max household cashback Up to 6% groceries 2% Meralco via UB Online No min. spend
UnionBank U Visa Platinum
Fee-free, stress-free spender No annual fees for life No late/overlimit fees Interest rebate for on-time pay
UnionBank Miles+ Visa Signature
Miles chaser with lounge perks 1 mile/₱30 (base) Airport lounge access Travel insurance
UnionBank Shell Power Visa Platinum
Shell-loyal motorists Fuel rebates at Shell Toll & auto-service perks Roadside assistance
Metrobank Titanium Mastercard®
Daily spend points boost 2× points: online & dining ₱20 = 1 pt (base) Waiver with annual spend
Metrobank Platinum Mastercard®
Diners’ deals & protection Up to 50% dining deals e-Commerce protection Free 1st supplementary
Metrobank World Mastercard®
Lounge-loving jetsetters Global lounge access Unlimited local lounges Premium dining & travel offers
RCBC Flex Visa
Choose your bonus categories 2× points on 2 picks Easy category switching Travel insurance
RCBC Flex Gold Visa
Triple-category earner 2× points on 3 picks Miles / eGC / cash credit Purchase protection
RCBC Visa Platinum
Premium travel with lounges Priority Pass membership Unlimited local lounge (PAGSS) Great overseas earn
RCBC Visa Infinite
High-spend multipliers & concierge Up to 5× points Infinite concierge Travel & e-com protection
HSBC Red Platinum Mastercard
Online & overseas accelerator 4× bonus points ₱20 = 1 pt (base) Caltex fuel rebates
HSBC Live+ Credit Card
Dining & lifestyle cashback star High dining cashback Shopping & entertainment Travel insurance coverage
BPI Rewards Card
Simple earn, broad redemptions BPI Rewards Points Wide partner ecosystem Easy redemption
BPI Petron Card
Petron fuel saver Fuel rebates at Petron Generous annual cap Cash advance enabled
BPI Amore Cashback Card
Ayala Malls essentials 4% supermarkets 1% drugstores & utilities Ayala Malls lounge access
BPI Amore Platinum Cashback Card
Dining & retail everyday 4% restaurants/food delivery 1% supermarkets & dept. stores 0.3% other spend
BPI Gold Rewards Card
Mid-tier points with perks ₱35 = 1 pt Global acceptance Vybe redemption
BPI Platinum Rewards Card
Lounge access + high points 2 pts/₱30 local 2 pts/₱20 foreign Priority Pass perks
BPI Visa Signature Card
Low forex, premium earn 2 pts/₱20 ~1.85% FX fee Signature dining deals
Security Bank Gold Mastercard
Non-expiring daily points 1 pt/₱20 base Exclusive promos Higher limit tier
Security Bank Platinum Mastercard
Travel perks + double points 2× non-expiring points Airport lounge access Travel insurance
Security Bank World Mastercard
Top-tier lounge & earn ~6 lounge visits/yr 3× non-expiring points Medical coverage on trips
Comparison Snapshot (Editor’s Picks)
| Credit Card | Key Benefits |
|---|---|
| UnionBank Rewards Card | 3× points on shopping & dining; base earn ₱30 = 1 point |
| UnionBank Cash Back Visa Platinum | Up to 6% cashback on groceries; 2% Meralco via UB Online; no minimum spend |
| Metrobank Titanium Mastercard® | 2× points on dining & online; base earn ₱20 = 1 point |
| RCBC Flex Visa | 2× points on two selected categories; travel insurance benefit |
Exact rates, caps, and waiver conditions depend on bank-specific terms and current promos. Always review details on the application page before applying.
Common Application Requirements
- Age: Typically 21+ (some banks accept 18+)
- Filipino citizenship or residency
- Proof of income (Payslips, BIR Form 2316 / ITR)
- Valid government-issued IDs and employment details
Credit Card Selection & Approval Tips
- Match your card to where you spend most (groceries, dining, fuel, travel, online).
- Check fee waivers (e.g., first-year free or spend-based waivers) and foreign transaction fees.
- If new to credit, start with beginner-friendly or no-annual-fee cards.
- Pay in full monthly to avoid interest; set up auto-debit or reminders.
- Watch promo caps and qualifying spend windows to fully earn bonuses.
Why Choose Moneymax?
- Free comparison tailored to your needs
- Exclusive promos from leading banks
- Transparent application process and expert support
- Comprehensive guides to help you decide better
Ready to find your ideal credit card? Compare and apply now to unlock exclusive offers.