@home Visa Platinum
Platinum
China Bank · Visa · Platinum
@home Visa Platinum
Why pick it: 5% back on most categories, up to ₱1,500 a month
Family cashback card: 5% on all eligible spend capped at ₱1,500 monthly, up to 10 free supplementary cards, school/hospital 0% installments.
- Score
- 66 /100
- Rank
- #7 of 123
- Annual fee
- ₱3,000
5% cashback sa most categories, pero capped sa ₱1,500 a month.
Bottom line: May hawak ka na bang ibang card for over a year? Ayos ito hanggang sa cap, kasi 5% ang balik sa most categories. Pagkalampas ng cap, ibang card na lang para sa natitira.
Read the full take: the math, what's good, what hurts
Kumikita ng ~₱16,000 ang spend ng typical household (~₱825k a year) dito, pero ~₱0 ang travel value kasi kinakain ito ng foreign fee (2.50%, galing sa data). Galing sa data ang ₱3,000 na fee, hindi sa page. Puwede kang humiling ng waiver, pero sa bank ang desisyon. #7 ito sa 123 open cards, 66 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Family cashback card ito: 5% ang balik sa most categories, hanggang ₱1,500 a month.
- Hanggang 10 supplementary cards, at walang annual fee ang supplementary cardholders, per the page.
- ₱4,000 SM Supermarket e-voucher kapag nag-spend ka ng ₱8,000 sa loob ng 60 days mula sa card delivery.
What's bad
- May 2.50% na foreign fee (galing sa data), kaya huwag itong gamitin abroad.
- Per the @home T&C 1(c), hindi kasama sa 5% ang installments, ADA at auto-charged bills, wholesale clubs at fees. Earn pa rin ang bills na direkta mong binayaran.
- Kailangan may hawak kang card ng ibang bank nang 12+ months, galing sa data.
The catch: Sinasabi ng page na 'across all categories', pero hindi nakalista ang exclusions, annual fee, income requirement o foreign fee. Nasa @home T&C ang exclusions. Galing sa data ang ₱250,000 a year na income.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; foreign fee; exclusions; 12-month other-card rule. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱16,000 in rewards, before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱250,000 a year income; Must hold another bank's principal card 12+ months
- Bank service:
- About typical.
- Banking app:
- Its banking app's store ratings have dropped over the last 90 days (as of Oct 29, 2026).
First year
- Welcome offer:
- Welcome gift: ₱4,000 SM Supermarket e-voucher with ₱8,000 spend within 60 days of card delivery. (no end date stated)
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 65.
- Employment:
- Regular employee, or self-employed with a business operating legally for 2+ years.
- Existing card:
- A principal card from another bank, with 12+ months of activity.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#7 of 123 cards open to new applicants, and #10 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value47 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend33 / 37
About ₱16,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers12 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend2 / 10
Under ₱250 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments5 / 15
0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 21 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path4 / 5
Platinum card level, plus how China Bank handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: average. Service: about typical. How it is scored
- Late fee1 / 2
A late fee of ₱750 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱16,000 a year in rewards and ₱0 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱3,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱250,000 a year
- Also needs
- Must hold another bank's principal card 12+ months
Rewards
5% cash back across all categories. Installments, auto-debit and auto-charged bill payments, ATM, quasi-cash, fees, gambling and wholesale clubs are excluded. Redeem through the hotline or email.
Caps: ₱1,500 per month (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Watch out for
- Rewards capped at ₱1,500 a month
Live and upcoming promos (21)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.