Destinations World MC
World
China Bank · Mastercard · World
Destinations World MC
Why pick it: 1 mile per ₱30, 1.7% foreign fee, ₱20M insurance
Miles card: 1 airline mile per ₱30 on all qualified spend, non-expiring points, 1.7% FX fee, ₱20M travel insurance.
- Score
- 73 /100
- Rank
- #4 of 123
- Annual fee
- ₱6,000
Isa sa pinakamalakas na miles card dito, pero may hurdle bago ka makapasok.
Bottom line: Kung madalas kang bumiyahe at hawak mo na ang card ng ibang bank for over a year, dito ka magsimula. Kung wala pa, mag-build ka muna ng record doon.
Read the full take: the math, what's good, what hurts
Kapag kino-convert mo sa miles, ~₱15,000 ang uwi ng typical household (~₱825k a year), plus ~₱3,000 na net travel value after ng foreign transaction fee (1.70%). Annual fee: ₱6,000, figure namin at wala sa page. Pwede mong hilingin ang waiver, bahala ang bank. #4 ang puwesto nito sa open list ng 123 cards; 73 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
- 1 point per ₱30 sa qualified spend, at 1 point = 1 airline mile.
- Mababa ang foreign transaction fee (1.70%), at may travel insurance up to ₱20M kapag sa card mo binili ang ticket.
- Free 1-year Accor Plus Explorer membership kung mag-spend ka ng ₱5,000 within 60 days.
What's bad
- Extra ang bayad sa lounge, per the page: USD 32 a person kada visit sa DragonPass.
- Galing sa data: kailangan may hawak kang card ng ibang bank for 12+ months, kaya hindi ito pwedeng first card.
- Per the Rewards T&C, walang points ang auto-charge bills, installments, wholesale clubs at ilang utilities.
The catch: Wala sa page mismo ang annual fee, income requirement at 12-month rule; galing sa data ang ₱250,000 a year, kaya mag-confirm ka muna sa bank. Forfeited ang points kapag nag-cancel, nag-upgrade o nag-downgrade ka, at kapag 60 days past due mula 5 May 2026.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; 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 ₱18,000 in rewards (₱15,000) and travel value (₱3,000), before the ₱6,000 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
#4 of 123 cards open to new applicants, and #5 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value51 / 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 spend31 / 37
About ₱15,000 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 waivers8 / 16
A ₱6,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend5 / 10
About ₱3,000 of travel value on one trip abroad a year, after the 1.70% 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 19 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
World 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 ₱15,000 a year in rewards and ₱3,000 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
- ₱6,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.70%
- Minimum income
- ₱250,000 a year
- Also needs
- Must hold another bank's principal card 12+ months
Rewards
1 Rewards Point per ₱30 of qualified spend, 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
- Low FX fee (1.70%)
- Travel insurance up to ₱20M
- Points don't expire; 7 airline partners
Live and upcoming promos (19)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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- 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.