Ultra Rewards Visa Signature
Signature
China Bank · Visa · Signature
Ultra Rewards Visa Signature
Why pick it: Points as cash, vouchers or miles, 1 per ₱50
Points card tied to a ₱1M-deposit rewards account: 1 point per ₱50, 10,000 points = ₱2,500 cash, e-vouchers or miles.
- Score
- 28 /100
- Status
- Limited eligibility
- Annual fee
- ₱3,500
Rewards card ito ng China Bank Ultra Rewards account, kaya deposit muna bago makasali.
Bottom line: Kung may Ultra Rewards account ka na, sulit ito. Kung wala, huwag mag-lock ng ₱1,000,000 para lang dito.
Read the full take: the math, what's good, what hurts
Waived sa unang taon ang ₱3,500 fee; pagkatapos, ang waiver ay hinihingi mo sa bank at sila ang nagpapasya. Ang typical household (~₱825k a year) ay kumikita ng ~₱2,500 sa rewards, pero ~-₱1,000 ang net sa travel pagkatapos ng foreign fee (2.50%). Limited ang pwedeng mag-apply, kaya labas ito sa open ranking; B tier ito at #81 ang puwesto nito sa 170 cards, 28 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
- Per the program T&C, puwedeng i-redeem ang points sa increments ng 10,000 para sa cash rebate, e-vouchers, air miles o 1-year fee waiver.
- Walang expiry ang points, per the program T&C.
- Visa Concierge at 0% merchant installments, per the card page.
What's bad
- Kailangan ng Ultra Rewards Peso deposit account: ₱1,000,000 opening deposit at ₱1,000,000 monthly average balance, o may fee kapag kulang ng 2 sunod na buwan (program T&C).
- 1 point per ₱50 lang, mabagal ang ipon.
- Hindi nag-e-earn ng points ang auto-charge bills, installments, wholesale clubs at utilities na labas sa Service Merchant MCCs, per the China Bank Rewards T&C.
The catch: Walang Apply button sa card page. Galing sa general eligibility page ng bank ang ₱250,000 income at ang principal card ng ibang bank na hawak nang 12+ months. Per program T&C, 1 point per ₱100 ng monthly average balance ang kita ng deposit, at sa card na ito lang napupunta ang points. Mag-double-check sa bank.
Rechecked on the bank page on 2026-11-03. Not on the page: waiver rules after the first year; card-specific minimum income (bank-wide figure used); lounge access; travel insurance; welcome promo. 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 ₱1,500 in rewards (₱2,500) and travel value (−₱1,000), before the ₱3,500 annual fee (on request; the bank decides)
- To qualify:
- ₱250,000 a year income; Documented route: Ultra Rewards deposit account, ₱1M opening deposit · Must hold another bank's principal card 12+ months (limited eligibility)
- 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
- Annual fee:
- First-year annual fee waived.
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 value9 / 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 spend6 / 37
About ₱2,500 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 −₱1,000 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 flexibility7 / 10
5 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 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 ₱2,500 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.
- 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
- Documented route: Ultra Rewards deposit account, ₱1M opening deposit · Must hold another bank's principal card 12+ months
Rewards
1 point per ₱50 of qualified spend. Each 10,000 points converts to a ₱2,500 cash rebate, ₱2,500 in e-vouchers, 2,500 air miles or a 1-year annual fee waiver. Auto-charge bill payments, installments and wholesale clubs earn nothing.
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Cathay Pacific, Singapore Airlines, Qatar Airways, Air Asia
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Points don't expire; 5 airline partners
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.