Which Philippine credit card is actually worth it?
172 cards from 19 banks, scored on rewards, fees, travel, promos and more. 341 live promos tracked. Data as of Nov 11, 2026.
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Top 5 for a typical household
₱825,500 a year with one trip abroad. Your own ranking may differ: find my card.
- 1SMetrobank Travel Signature Visa90
1 mile per ₱30 on all spend plus local lounges
- 2SMetrobank World MC90
3 points per ₱20 online, hotels and abroad
- 3SBDO Amex Explorer80
1 mile per ₱30, plus ₱10M family travel insurance
- 4SChina Bank Destinations World MC75
1 mile per ₱30, 1.7% foreign fee, ₱20M insurance
- 5SEastWest KrisFlyer World MC70
1 KrisFlyer mile per ₱12 on SIA, abroad, hotels