Velvet Visa Signature
Signature
China Bank · Visa · Signature
Velvet Visa Signature
Why pick it: ₱800 back when you spend ₱8,000 on the 8th
Women-focused Visa Signature: 1 point per ₱30 (cash credit), ₱800 cashback for ₱8,000 spend on the 8th monthly, beauty and wellness deals.
- Score
- 18 /100
- Rank
- #104 of 123
- Annual fee
- ₱3,500
Sa Velvet Eight galing ang karamihan ng value. Kung hindi mo ito maaabot kada buwan, skip.
Bottom line: Kung kaya mong gumastos ng ₱8,000 bawat 8th sa merchants na wala sa excluded list, may sense ito. Kung hindi, skip.
Read the full take: the math, what's good, what hurts
Kapag points lang ang bibilangin, ang balik ay ~₱1,000 para sa typical household (~₱825k a year), at ang travel side ay ~-₱1,500, negative dahil sa 2.50% na foreign fee, galing sa data. Hindi kasama sa dalawang figure ang Velvet Eight. Annual fee: ₱3,500, galing sa data at wala sa page. Ang bank ang magdedesisyon kung ima-waive ito kapag hiniling mo. Sa open list, #104 ito mula sa 123; 18 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
- Velvet Eight: ₱800 cash back when you spend at least ₱8,000 on the 8th of the month. Kung maaabot mo ito buwan-buwan, mas malaki ito kaysa sa ~₱1,000 na yearly return ng points.
- Free Pandora silver bracelet with a minimum spend of ₱10,000 within 60 days from card delivery.
- May Visa Concierge, 24/7.
What's bad
- 1 point per ₱30 lang ang earn. Per the Rewards T&C, auto-charge bills, installments, wholesale clubs and some utilities earn no points.
- Excluded sa Velvet Eight ang gas, wholesale clubs, insurance, installments at auto-charge bills, galing sa data.
- From our data: you need a principal card from another bank held 12+ months.
The catch: The page leaves out the annual fee and the income requirement, so the ₱250,000 a year comes from our data. Basahin ang hiwalay na Velvet Eight T&C bago umasa dito, dahil hindi pa namin ito na-recheck.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; foreign fee; Velvet Eight exclusions; 12-month other-card rule. 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 −₱500 in rewards (₱1,000) 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).
First year
- Welcome offer:
- Welcome gift: free Pandora silver bracelet with ₱10,000 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
#104 of 123 cards open to new applicants, and #144 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value4 / 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 spend3 / 37
About ₱1,000 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
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 21 live promos tracked. How it is scored
- Points flexibility2 / 10
Bank points with no airline partner 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 ₱1,000 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.
- 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; cash credit of ₱500 for 7,500 points. Velvet Eight: ₱800 cash back when you spend at least ₱8,000 on the 8th of the month. Auto-charge bill payments, installments and wholesale clubs earn nothing.
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
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.