Destinations World Dollar MC
World
China Bank · Mastercard · World
Destinations World Dollar MC
Why pick it: 1 mile per USD 1 plus USD 360k travel insurance
USD-billed miles card: 1 airline mile per USD1 spent, USD100 annual fee, 1.7% FX on non-USD spend, USD360k travel insurance.
- Score
- 22 /100
- Status
- Dollar card
- Annual fee
- ₱5,800
Dollar-billed ang earn, kaya lugi ka sa peso spend, ayon sa data.
Bottom line: Skip it kung halos lahat ng gastos mo ay peso. Sulit lang ito kung may totoong dollar spend ka at okay sa'yo ang dollar-billed card.
Read the full take: the math, what's good, what hurts
Kapag peso ang gastos, ang typical household (~₱825k a year) ay may rewards na ~-₱3,500, kasi mas malaki ang foreign fee kaysa sa kita ng points. Net travel value: ~-₱500. Annual fee: ₱5,800. Puwede mong tanungin ang bank tungkol sa waiver; sila ang may final say. Hindi kasama ito sa ranking ng peso cards kasi dollar-billed ito. Sa lahat ng cards, #126 ito mula sa 170; 22 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
- Kung sa abroad ka gagastos, mababa ang foreign transaction fee: 1.70%.
- 1 point = 1 airline mile. Ayon sa data, hindi mag-e-expire ang points, at walang expiry period na nakasaad sa Rewards T&C.
- Hanggang USD 360,000 ang travel insurance kung ang ticket ay binili gamit ang card.
What's bad
- Per the page, 1 point per USD 1 ang earn.
- Tumatama ang foreign fee (1.70%) kahit sa peso spend sa Philippines, from our data.
- Bayad ang lounge entry, per the page: DragonPass, USD 32 per person bawat visit.
- Per the Rewards T&C, hindi nag-e-earn ang auto-charge bills, installments, wholesale clubs at utilities na labas sa Service Merchant MCCs.
The catch: Hindi nakasaad sa page ang income requirement, ang annual fee at kung paano bini-bill ang peso spend. From our data ang ₱5,800 na fee at ang ₱250,000 a year na income. Mag-confirm sa bank bago kumuha.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; how peso spend is billed; 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 −₱4,000 in rewards (−₱3,500) and travel value (−₱500), before the ₱5,800 annual fee (on request; the bank decides)
- To qualify:
- ₱250,000 a year income; Must hold another bank's principal card 12+ months (dollar card)
- 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.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value0 / 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 spend0 / 37
No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers8 / 16
A ₱5,800 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 1.70% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. The card bills in US dollars, so the foreign fee also hits peso spend. 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 ₱870 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about −₱3,500 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
- ₱5,800
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.70% (billed in USD)
- Minimum income
- ₱250,000 a year
- Also needs
- Must hold another bank's principal card 12+ months
Rewards
Billed in US dollars: 1 point per USD 1, and 1 point = 1 mile. The 1.7% foreign fee applies to non-USD currencies and non-US merchants, so local peso spend is likely to carry the fee. 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 ₱20,880,000
Strengths
- Travel insurance up to ₱21M
- Points don't expire; 7 airline partners
Watch out for
- Billed in US dollars, so peso spend pays the FX fee
Live and upcoming promos (19)
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.