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Illustration, not the bank's artwork.

China Bank · Mastercard

Prime MC

Why pick it: 0% installments and 1 point per ₱30

Basic points card: 1 point per ₱30, redeemable as cash credit or miles (10,000 points = 1,000 Asia Miles).

Score
21 /100
Rank
#95 of 123
Annual fee
₱3,500
Borderline C/DThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

SKIP ITHonest take

Mas malaki ang fee kaysa sa rewards ng typical household ayon sa data, kaya hindi worth it.

Bottom line: Skip. Kung gusto mo ng Chinabank card, ibang card na lang.

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

Sa isang taon, ~₱1,500 lang ang nakukuha ng typical household (~₱825k a year). Sa travel naman, ~-₱1,500 ang net kasi may foreign transaction fee (2.50%) na galing sa data. Ang ₱3,500 na annual fee ay galing sa data at wala sa page; mag-request ka sa bank na i-waive ito, at sila ang magpapasya sa bawat request. 21 ang score; #95 ito 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

  • 1 point per ₱30 ang earn sa qualified spend.
  • 0% merchant installment, balance transfer and transaction conversion.
  • Complimentary Chinabank-SMAC Prestige Card if you opt in.

What's bad

  • Neither the page nor our data lists a lounge or travel insurance. Kailangan mo ring may principal card ka na sa ibang bank for 12+ months (galing sa data).
  • According to the Rewards T&C, auto-charge bills, installments, wholesale clubs and utilities outside the Service Merchant MCCs earn no points.

The catch: Ang foreign fee at income requirement (₱250,000 a year) ay wala rin sa page at galing lang sa data. Kaunti ang source namin sa ilang detalye ng card na ito, kaya kumpirmahin sa bank kung gusto mo pa rin ito.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; foreign fee; insurance and lounge; 12-month other-card rule; airline partners. 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 ₱0 in rewards (₱1,500) and travel value (−₱1,500), before the ₱3,500 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

#95 of 123 cards open to new applicants, and #132 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 spend4 / 37

      About ₱1,500 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 ₱3,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 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 18 live promos tracked. How it is scored

  • Points flexibility4 / 10

    4 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path3 / 5

    No standard card level. The score also reflects 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 ₱1,500 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod44 COct 2444 COct 2620 DOct 2721 CNov 221 CNov 421 CNov 921 CNov 1021 CNov 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
₱3,500
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 of qualified spend. 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
None

Strengths

  • Points don't expire; 4 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.

Show 13 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 ↗