Best Travel Credit Cards in the Philippines (2025)
Updated: Aug 26, 2025
Compare air-miles earn rates, airport lounge access (Priority Pass & DragonPass), low forex fees, and travel insurance and then apply online via Moneymax.
Why Trust Moneymax?
Card | Hot Reward Pick | Moneymax Reward | Annual Fee | Min. Annual Income | |||
|---|---|---|---|---|---|---|---|
 | UnionBank Rewards Credit Card | ₱128,680 | Free | ₱180,000 | |||
 | UnionBank Miles+ Visa Signature | ₱128,680 | ₱5,000 per year | ₱360,000 | |||
 | UnionBank Cebu Pacific Gold | ₱128,680 | ₱3,000 per year | ₱360,000 | |||
 | UnionBank Cebu Pacific Platinum | ₱128,680 | ₱5,000 per year | ₱600,000 | |||
 | HSBC Red Platinum Mastercard | - | - | ₱2,500 | ₱400,000 | ||
 | Metrobank Titanium Mastercard® | ₱64,490 | Free | ₱180,000 | |||
 | RCBC Visa Platinum | ₱62,999 | ₱5,000 per year | ₱1,000,000 | |||
 | RCBC Visa Infinite | ₱62,999 | ₱6,000 per year | ₱2,000,000 | |||
 | RCBC Gold Mastercard | ₱60,000 | ₱3,000 per year | ₱500,000 | |||
 | RCBC Black Card Platinum Mastercard | ₱60,000 | ₱3,600 per year | ₱1,000,000 | |||
 | RCBC JCB Platinum | ₱60,000 | ₱3,600 per year | ₱1,000,000 | |||
 | RCBC World Mastercard | ₱60,000 | ₱3,600 per year | ₱2,000,000 | |||
 | BPI Gold Rewards Card | ₱63,299 | ₱2,250 per year | ₱480,000 | |||
 | BPI Rewards Card | ₱63,299 | ₱1,550 per year | ₱180,000 | |||
 | BPI Platinum Rewards Card | ₱63,299 | ₱4,000 per year | ₱1,000,000 | |||
 | BPI Visa Signature Card | ₱63,299 | ₱5,500 per year | ₱1,200,000 | |||
 | Security Bank World Mastercard | - | - | ₱5,000 per year | ₱3,000,000 | ||
 | Security Bank Platinum Mastercard | - | - | ₱4,000 per year | ₱780,000 |
Annual Fee
FreeMin. Annual Income
₱ 180,000Monthly Effective Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- 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.
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 360,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 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
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Annual Fee
₱ 3,000 per yearMin. Annual Income
₱ 360,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- 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.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 600,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- 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.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Annual Fee
₱ 2,500Min. Annual Income
₱ 400,000Interest Rate
3 %- 4x reward points on online, shopping, dining, and overseas spend
- Earn 1 reward point for every ₱20 spend
- 6% rebate on your first Caltex fuel spend; 3% rebate year-round
- Ideal for: online shopping and dining worldwide
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱2,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: Free
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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.
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 6,000 per yearMin. Annual Income
₱ 2,000,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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.
Fees
Annual Fee: ₱6,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ 3,000 per yearMin. Annual Income
₱ 500,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 65 years old
Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 2,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ 2,250 per yearMin. Annual income
₱ 480,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱2,250 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱480,000
Minimum Age: 21 years old
Annual Fee
₱ 1,550 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 4,000 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Min. Annual Income
₱ 1,200,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- 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
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,500 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,200,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 3,000,000Interest Rate
3 %- 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.
Repayment Details
Minimum Amount Due : ₱500
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱3,000,000
Minimum Age: 21 years old
Annual Fee
₱ 4,000 per yearMin. Annual Income
₱ 780,000Interest Rate
3 %- 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.
Repayment Details
Minimum Amount Due: ₱500
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱780,000
Minimum Age: 21 years old
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.