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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.

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BPI

Metrobank

UnionBank

UnionBank Miles+ Visa Signature

Airport Lounge Access Complimentary passes and exclusive access

Annual Fee

₱ 5,000 per year

Min. Annual Income

₱ 360,000

Interest Rate

3 %

3 Offers Available

Get 1 Raffle Entry and have a chance to Win an iPhone 16 128GB When You Apply Now!

Apple iPhone 16 128GB

Valid until

15 October 2025

No Minimum Spend Required!

₱5,000 eGift

+ 6 other gift options

Valid until

15 October 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

Apply for eligible UnionBank Credit Cards and get a raffle entry for the chance to win Iphone 16 128gb! Promo runs for a LIMITED time only.

Gift Options

Apple iPhone 16 128GB

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

₱5,000 eGift; or
Apple AirPods 4; or
Acerpure Beauty Ionic Hair Dryer; or
Marshall Major V Headphones; or
New Balance Giftaway Voucher; or
Capital Giftaway Voucher; or
Huawei Watch Fit 4

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

UnionBank Cebu Pacific Gold

Rewards - Base Rate 1 point per ₱200

Annual Fee

₱ 3,000 per year

Min. Annual Income

₱ 360,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Get 1 Raffle Entry and have a chance to Win an iPhone 16 128GB When You Apply Now!

Apple iPhone 16 128GB

Valid until

15 October 2025

No Minimum Spend Required!

₱5,000 eGift

+ 6 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

Travel points

check

Nice card face

check

Exclusive discounts

Apply for eligible UnionBank Credit Cards and get a raffle entry for the chance to win Iphone 16 128gb! Promo runs for a LIMITED time only.

Gift Options

Apple iPhone 16 128GB

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

₱5,000 eGift; or
Apple AirPods 4; or
Acerpure Beauty Ionic Hair Dryer; or
Marshall Major V Headphones; or
New Balance Giftaway Voucher; or
Capital Giftaway Voucher; or
Huawei Watch Fit 4

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

UnionBank Cebu Pacific Platinum

Rewards - Base Rate 1 point per ₱200

Annual Fee

₱ 5,000 per year

Min. Annual Income

₱ 600,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Get 1 Raffle Entry and have a chance to Win an iPhone 16 128GB When You Apply Now!

Apple iPhone 16 128GB

Valid until

15 October 2025

No Minimum Spend Required!

₱5,000 eGift

+ 6 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

Travel points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Apply for eligible UnionBank Credit Cards and get a raffle entry for the chance to win Iphone 16 128gb! Promo runs for a LIMITED time only.

Gift Options

Apple iPhone 16 128GB

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

₱5,000 eGift; or
Apple AirPods 4; or
Acerpure Beauty Ionic Hair Dryer; or
Marshall Major V Headphones; or
New Balance Giftaway Voucher; or
Capital Giftaway Voucher; or
Huawei Watch Fit 4

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

Metrobank World Mastercard®

Rewards - Overseas Spend 2 reward points

Annual Fee

₱ 6,000

info

Free on the first year

Min. Annual Income

₱ 1,500,000

info

₱125,000 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱3,000 eGift

+ 2 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Fine dining

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: a 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 include date of birth and 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: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 1500000

Landline Required: Not required

BPI Platinum Rewards Card

Airport Lounge Access 4 complimentary airport lounge passes yearly

Annual Fee

₱ 4,000 per year

Min. Annual Income

₱ 1,000,000

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱2,000 eGift

+ 4 other gift options

Valid until

15 October 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

BPI Visa Signature Card

Airport Lounge Access Complimentary Access

Annual Fee

₱ 5,500 per year

Min. Annual Income

₱ 1,200,000

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱2,000 eGift

+ 4 other gift options

Valid until

15 October 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

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?

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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 Miles+ Visa Signature

3 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Cebu Pacific Gold

2 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Cebu Pacific Platinum

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank World Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

BPI Platinum Rewards Card

Offer Available

Things to consider for this product:

Quick Facts

BPI Visa Signature Card

Offer Available

Things to consider for this product:

Quick Facts

Quick Facts

Need some help?

What is a travel credit card?

How does a travel credit card work?

How do I choose the best travel credit card?

Should you get a travel credit card?

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