Destinations Platinum MC
Platinum
China Bank · Mastercard · Platinum
Destinations Platinum MC
Why pick it: ₱20M travel insurance and 1 mile per ₱60
Entry miles card: 1 airline mile per ₱60 on qualified spend, non-expiring points, ₱20M travel insurance.
- Score
- 46 /100
- Rank
- #24 of 123
- Annual fee
- ₱4,000
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Miles card na may malaking insurance, pero 1 point per ₱60 lang ang earn.
Bottom line: Kung miles ang goal mo, ikumpara muna sa ibang miles cards. Piliin lang ito kung insurance ang priority mo.
Read the full take: the math, what's good, what hurts
Kapag na-convert ang points sa miles, ~₱7,000 ang makukuha ng typical household (~₱825k a year), plus ~₱500 na travel value pagkatapos ng 2.50% sa foreign spend. Annual fee: ₱4,000, galing sa sarili naming data; maaari kang humingi ng waiver, at sa bank ang final say. Nakakuha ito ng 46 na score at puwestong #24 sa 123.
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
- Hanggang ₱20M ang travel insurance kung sa card mo binili ang ticket.
- 1 point = 1 airline mile. Walang nakasaad na expiry sa Rewards T&C, pero forfeited ang points kapag na-cancel, na-upgrade, na-downgrade o na-convert ang card.
- Free 1-year Accor Plus Explorer membership kung mag-spend ka ng ₱5,000 sa loob ng 60 days mula sa card delivery.
What's bad
- 1 point per ₱60 lang ang earn. Per the Rewards T&C, walang points ang auto-charge bills, installments, wholesale clubs at ilang utilities.
- May 2.50% na fee ang foreign use, galing sa data, kaya huwag itong gamitin abroad.
- Extra ang bayad sa lounge, per the page: USD 32 kada tao kada visit sa DragonPass.
- Kailangan mo ng card mula sa ibang bank na hawak mo nang 12+ months, galing sa data.
The catch: Hindi nakalista sa page mismo ang annual fee, foreign fee at income requirement. Sarili naming figures ang ₱4,000, ang 2.50% at ang ₱250,000 a year. Kumpirmahin mo muna sa bank bago mag-apply.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; foreign fee; 12-month other-card rule; points expiry. 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 ₱7,500 in rewards (₱7,000) and travel value (₱500), before the ₱4,000 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: free 1-year Accor Plus Explorer membership with ₱5,000 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
#24 of 123 cards open to new applicants, and #33 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value25 / 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 spend15 / 37
About ₱7,000 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 ₱4,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend2 / 10
About ₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. 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 18 live promos tracked. How it is scored
- Points flexibility9 / 10
7 airline partners, and points that do not expire. 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 ₱7,000 a year in rewards and ₱500 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
- ₱4,000
- 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
1 Rewards Point per ₱60, and 1 point = 1 airline mile. Auto-charge bill payments, installments and wholesale clubs earn nothing.
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Asia Miles, KrisFlyer, Qatar Avios, Gulf Air Falconflyer, GarudaMiles, airasia points
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱20,000,000
Strengths
- Travel insurance up to ₱20M
- Points don't expire; 7 airline partners
Watch out for
- Some details could not be verified
Live and upcoming promos (18)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Dec 30, 2026All China Bank credit cards
- China BankEnds Dec 30, 2026All China Bank credit cards
- China BankEnds Jan 31, 2027All China Bank credit cards
Show 13 more
- China BankEnds Nov 30, 2026Mon to FriAll China Bank credit cards
- China BankEnds Dec 30, 2026All China Bank credit cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- China BankEnds Dec 15, 2026Register firstAll China Bank credit cards
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- China BankEnds Dec 31, 2026All China Bank credit cards
- iPhone 18 Pro series at 0% for up to 24 months at Silicon Valley (exclusive Chinabank prices)Score 45China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
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.