EastWest Visa Platinum
| Annual Fee | ₱ 3,600 per year |
| Min. Annual Income | ₱ 1,000,000 |
| Interest Rate | 3% |
Card Details
- Earn up to 8.58% cash rewards for your straight charges at department stores, restaurants, food delivery apps, travel, fuel, and utilities spend
- Get 0.3% cash rewards when you shop at other establishments
- Get up to ₱20 million free Travel Accident and Inconvenience Insurance Coverage
- Enjoy premium lifestyle perks and offers that suit your taste
- Ideal for: cardholders who like to shop and dine
EastWest Visa Platinum
EastWest Gold Mastercard
| Annual Fee | ₱ 2,500 per year |
| Min. Annual Income | ₱ 480,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 reward point for every ₱100 spend
- Have peace of mind when you travel with its free Travel Accident and – Inconvenience Insurance coverage
- Use your EastWest Gold Mastercard or Visa anywhere in the Philippines and the world
- Enjoy a wide array of privileges when you shop, dine, and travel
- Ideal for: cardholders who put a premium on luxury and rewards
EastWest Gold Mastercard
EastWest Platinum Mastercard
| Annual Fee | Free |
| Min. Annual Income | ₱ 1,800,000 |
| Interest Rate | 3% |
Card Details
- Get lifetime free membership for your principal and supplementary cards
- Comes with a free EastWest Platinum Virtual Card that you can use when you shop online for added security
- Travel worry-free with its free Travel Accident & Inconvenience Insurance coverage
- Access VIP lounges at different airports with your Free Priority Pass membership
- Ideal for: people who love to travel and appreciate the finer things in life
EastWest Platinum Mastercard
Security Bank World Mastercard
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 3,000,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- 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.
Security Bank World Mastercard
Security Bank Platinum Mastercard
| Annual Fee | ₱ 4,000 per year |
| Min. Annual Income | ₱ 780,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- 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.
Security Bank Platinum Mastercard
Security Bank Complete Cashback Platinum Mastercard
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 780,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Free annual fee for the first year
- Enjoy up to 5% rebates on essential spend categories
- Exclusive access to Marhaba Lounge at NAIA 1 and 3
- Avail exclusive promos all year round
- Ideal for: money-savvy cardholders on a budget
Security Bank Complete Cashback Platinum Mastercard
UnionBank Go Rewards Platinum Visa
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 Go Rewards point for every ₱100 spend in Robinsons Retail stores such as Robinsons Department Store, Robinsons Supermarket, Cebu Pacific, Daiso, and Caltex
- Earn 1 Go Rewards point for every ₱200 on all other spend
- 1 Go Rewards point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get free delivery at Savers Appliances for the first 5 kilometers
- Ideal for: individuals who love to shop at Robinsons Retail Stores and love VIP treatment
UnionBank Go Rewards Platinum Visa
UnionBank Miles+ Visa Signature
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 360,000 |
| Interest Rate | 3% |
Card Details
- 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
UnionBank Miles+ Visa Signature
UnionBank Cebu Pacific Platinum
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 600,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- 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.
UnionBank Cebu Pacific Platinum
UnionBank Cebu Pacific Gold
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 360,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- 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.
UnionBank Cebu Pacific Gold
UnionBank Platinum Mastercard
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 600,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
UnionBank Platinum Mastercard
More ways to use your Travel Credit Card
Earn Travel Rewards
Travel credit cards often offer points or miles for every dollar spent, which can be redeemed for flights, hotel stays, car rentals, or other travel-related expenses. These rewards accumulate quickly, especially with bonus categories like dining or travel-related purchases.
Travel Insurance and Protections
Many travel credit cards come with built-in travel insurance benefits, such as trip cancellation/interruption insurance, lost baggage reimbursement, and travel accident insurance. These protections can save you money and provide peace of mind during your travels.
Airport Lounge Access
Premium travel credit cards often include complimentary access to airport lounges, allowing you to relax in comfort, enjoy free snacks and beverages, and make your airport experience more enjoyable.
No Foreign Transaction Fees
Most travel credit cards do not charge foreign transaction fees, which can add up when making purchases abroad. This feature is especially valuable for international travelers.
Enhanced Rewards on Travel Purchases
Travel cards typically offer bonus points on travel-related expenses such as flights, hotels, and transportation. Some cards even offer higher rewards rates for everyday spending like dining and groceries, helping you earn more points on every purchase.
Get travel credit card from 3 simple steps
Obtaining a travel credit card is usually a simple process that can be broken down into three easy steps:
Research and compare
Submit an application
Approval and activation
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Top credit card questions
A travel credit card is a type of credit card that offers rewards in the form of points, miles, or cashback for travel-related purchases such as flights, hotels, and rental cars. These rewards can be redeemed for future travel expenses.
Benefits of a travel credit card include earning rewards points or miles, access to travel-related perks (like airport lounge access), travel insurance, no foreign transaction fees, and exclusive discounts on travel services.
Yes, many travel credit cards allow you to earn rewards on everyday purchases, such as dining, groceries, and gas, in addition to travel-related expenses, though the rewards rate may vary depending on the type of purchase.
If you don’t travel often, a travel credit card may still be worth it if you can take advantage of other perks, such as bonus points on dining or groceries. However, cards with higher annual fees might not be cost-effective if you're not earning enough rewards.
Many travel credit cards include built-in travel insurance benefits, such as trip cancellation or interruption insurance, lost baggage protection, and travel accident insurance. These perks can help protect you when things go wrong during your trip.
Travel credit cards work by earning rewards for every purchase you make, with bonus points for travel-related expenses. These rewards can be redeemed for travel perks, such as flights, hotel stays, and car rentals, depending on the card issuer’s program.
Many travel credit cards charge an annual fee, especially those offering premium benefits like higher reward rates, travel insurance, or lounge access. However, some cards have no annual fee, so it's important to choose one based on your spending habits and travel needs.
Some travel credit cards allow you to transfer points or miles to airline or hotel loyalty programs, giving you more flexibility in how you redeem your rewards. It's important to check the specific card’s transfer options before applying.
You can redeem points or miles through the credit card issuer’s rewards portal for flights, hotel stays, car rentals, or even travel statement credits. Some cards also allow you to transfer points to partner airline or hotel programs for more flexibility.
To avoid interest charges, pay off your balance in full by the due date each month. Some travel credit cards also offer a grace period during which you won’t incur interest charges if the balance is paid off in full before the statement due date.