Landers Executive Visa Signature
Signature
China Bank · Visa · Signature
Landers Executive Visa Signature
Why pick it: Free for life, up to 7% back in store credit
Landers co-brand Visa Signature: up to 7% rebates at Landers, 2% dining, 1% elsewhere, usable only at Landers; no annual fee for life.
- Score
- 41 /100
- Rank
- #32 of 123
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Free for life ang fee, pero Landers store credit ang earnings mo.
Bottom line: Sulit ito kung sa Landers ka na talaga namimili. Kung hindi, store credit lang ang makukuha mo, kaya mas flexible ang ibang card.
Read the full take: the math, what's good, what hurts
Lahat ng ~₱8,000 na kita ng typical household (~₱825k a year) ay store credit sa Landers lang. Negative ang travel value (~-₱500) dahil sa 2.50% sa foreign spend, galing sa data. Per the page, waived for life ang annual fee. Resulta: 41 na score, #32 mula sa 123 cards.
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
- Up to 7% rebate sa Landers; galing sa data, 5% to 7% ito depende sa total monthly spend mo sa card.
- Pwede kang mag-upgrade sa metal card kapag umabot ka ng ₱1M in accumulated spend.
What's bad
- Store credit ito na sa Landers lang magagamit at valid sa loob ng 14 months, per the Landers T&C.
- Per the Landers card T&C 2, walang rebate ang ibang supermarkets, drugstores (maliban sa Capital Care), utilities, telco at gas stations. Sa Landers-Caltex lang may rebate ang fuel.
- Required muna ang Landers Executive membership, at automatic itong sinisingil sa card.
The catch: Hindi nakalista sa page ang rebate cap at validity period; nasa Landers T&C ang mga ito (₱200,000 a year, 14 months). Galing sa data ang foreign fee; walang income requirement na nakalista sa page o sa data. Separate sa card fee ang Landers membership, at hindi sinasabi ng page kung magkano ito.
Rechecked on the bank page on 2026-10-24. Not on the page: rebate cap; foreign fee; minimum income; rebate validity of 14 months; Landers membership price. 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 (₱8,000) and travel value (−₱500), before the card's fees (no annual fee)
- To qualify:
- Not published; Landers Executive membership required (₱1,200/yr list, billed to 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).
Who can apply
- Age:
- 21 to 65, from the bank's general requirements page.
- Employment:
- Regular employee, or self-employed with a business operating legally for 2+ years.
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
#32 of 123 cards open to new applicants, and #43 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 spend17 / 37
About ₱8,000 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
No annual fee. 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. 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 flexibility3 / 10
Rewards are store credit that works at one merchant. How it is scored
- Credit limit and upgrade path4 / 5
Signature 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 ₱8,000 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
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 2.50%
- Minimum income
- Not published
- Also needs
- Landers Executive membership required (₱1,200/yr list, billed to card)
Rewards
Rebates usable only at Landers, valid 14 months. At Landers you get 5% if your total monthly card spend is ₱20,000 or less, 6% up to ₱50,000 and 7% above that. Other supermarkets, gas outside Landers-Caltex, utilities and telco earn nothing.
Caps: ₱200,000 per year (groceries, fuel, tolls & car service, dining, online shopping, foreign online spend, department stores, school fees, airfare, hotels, spending abroad, everything else)
- Type
- Store credit
- Points expiry
- 14
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
Watch out for
- Rewards capped at ₱200,000 a year
- Rewards are store credit, usable at one merchant
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.