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China Bank · Mastercard · Platinum

Platinum MC

Why pick it: 5% gas rebate, 1 point per ₱30 elsewhere

Points card: 1 point per ₱30 (9,000 points = 1,000 Asia Miles), 5% rebate at local gas stations, ₱20M travel insurance.

Score
35 /100
Rank
#45 of 123
Annual fee
₱4,000
Solid B
GET IT IF…Honest take

5% sa gas, tapos ordinary lang ang earn sa lahat ng iba. Fuel card ito.

Bottom line: Kung malaki ang gas spend mo at hawak mo na ang ibang card for over a year, pwede ito. Kung bihira kang mag-gas, typical lang ang return na 1 point per ₱30.

Read the full take: the math, what's good, what hurts

Para sa typical household (~₱825k a year), nasa ~₱4,500 ang bumabalik sa card na ito. Ang travel side naman ay ~-₱1,000, negative dahil 2.50% ang foreign fee, from our data. Ang ₱4,000 annual fee ay from our data din, hindi galing sa page. Pwede kang mag-request ng waiver, bahala ang bank. #45 ang puwesto nito sa open list ng 123 cards; 35 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

  • 5% rebate on any local gas station.
  • 1 point per ₱30 ang earn sa other spend; walang nakasaad na expiry period sa Rewards T&C.
  • Travel insurance up to ₱20M kapag sa card mo binili ang ticket.

What's bad

  • Hindi ito pang-abroad: 2.50% ang foreign fee, from our data.
  • Kailangan mo ng card ng ibang bank na hawak mo na nang 12+ months, from our data.
  • Per the Rewards T&C, walang points ang auto-charge bills, installments, wholesale clubs at ilang utilities.

The catch: Walang cap na nakalista sa page para sa 5% fuel rebate, pero may hiwalay itong T&C, kaya basahin muna bago umasa. Hindi rin nakalista sa page ang annual fee, foreign fee at income requirement; from our 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; fuel rebate cap; 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 ₱3,500 in rewards (₱4,500) and travel value (−₱1,000), 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).
Score breakdown, fees, rewards and perks

Score breakdown

#45 of 123 cards open to new applicants, and #65 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value13 / 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 spend10 / 37

      About ₱4,500 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 spend1 / 10

      About −₱1,000 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 20 live promos tracked. How it is scored

  • Points flexibility9 / 10

    4 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 ₱4,500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod52 BOct 2451 BOct 2633 BOct 2734 BNov 234 BNov 434 BNov 934 BNov 1035 BNov 11
  • 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 point per ₱30, plus a 5% rebate at local gas stations. Auto-charge bill payments, installments and wholesale clubs earn nothing.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Asia Miles, KrisFlyer, 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; 4 airline partners

Live and upcoming promos (20)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 15 more

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.

Official China Bank card page ↗