Wealth World Elite MC
World Elite
China Bank · Mastercard · World Elite
Wealth World Elite MC
Why pick it: Free for life, 10 lounge visits, 1 mile per ₱30
Invitation-only metal card for Chinabank Wealth clients: 1 mile per ₱30 locally, per ₱15 abroad, 10 DragonPass visits, 1.7% FX, no fee.
- Score
- 86 /100
- Status
- By invitation
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
10 free lounge visits at 1 mile per ₱30, pero invite-only ito para sa Chinabank Wealth clients, ayon sa data.
Bottom line: Kung Chinabank Wealth client ka at na-offer-an ka nito, malakas ang lounge access at earn. Kung hindi, hindi namin makumpirma kung paano ito makukuha, kaya magtanong ka sa bank.
Read the full take: the math, what's good, what hurts
Kapag in-convert sa miles, kumikita ang typical household (~₱825k a year) ng ~₱19,500, at ~₱5,500 ang net travel value. Free for life ang annual fee (₱0), galing sa data. Posisyon: #3 sa 170 cards, score 86.
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
- 10 free lounge visits a year worldwide sa Mastercard Travel Pass by DragonPass.
- 1 point per ₱30 locally o per ₱15 abroad, at 1 point = 1 air mile.
- Mababa ang foreign transaction fee: 1.70%.
- Up to 5% fuel rebate sa kahit anong local station, capped sa ₱500 per cycle month.
What's bad
- Invite-only para sa Chinabank Wealth clients, ayon sa data. Hindi ito sinasabi ng page.
- Hindi malinaw sa page kung counted as abroad ang foreign online spend, kaya baka mas mababa ang real return mo.
The catch: Hindi nakalista sa page ang annual fee. USD 500,000 ang travel insurance sa page; conversion nito ang ₱29M na nasa data.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; invitation or eligibility rules; application process; foreign online spend treatment. 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 ₱25,000 in rewards (₱19,500) and travel value (₱5,500), before the card's fees (no annual fee)
- To qualify:
- By invitation; By invitation only: Chinabank Wealth clients (by invitation)
- Deposit with the bank:
- China Bank Wealth clients only
- 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
- Yearly value63 / 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 spend37 / 37
About ₱19,500 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 waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend7 / 10
About ₱5,500 of travel value on one trip abroad a year, after the 1.70% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 21 live promos tracked. How it is scored
- Points flexibility9 / 10
1 airline partner, and points that do not expire. How it is scored
- Credit limit and upgrade path5 / 5
World Elite 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 ₱1,000 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱19,500 a year in rewards and ₱5,500 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
- 1.70%
- Minimum income
- By invitation
- Also needs
- By invitation only: Chinabank Wealth clients
Rewards
By invitation for China Bank Wealth clients. 1 point per ₱30 locally and 1 point per ₱15 abroad, and 1 point = 1 air mile.
Caps: ₱500 per month (fuel)
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Asia Miles, KrisFlyer, Qatar Privilege Club, Gulf Air Falconflyer, GarudaMiles, airasia rewards
Travel perks
- International lounge visits
- 10 a year
- Local lounge
- None
- Travel insurance
- Up to ₱29,000,000
Strengths
- No annual fee for life
- Low FX fee (1.70%)
- 10 free international lounge visits a year
- Travel insurance up to ₱29M
Watch out for
- Rewards on fuel capped at ₱500 a month
Live and upcoming promos (21)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Dec 30, 2026All China Bank credit cards
- MastercardEnds Dec 31, 202616 Mastercard cards: World MC, World Elite MC, Destinations World MC…
- China BankEnds Dec 15, 2026Mon to Fri5 China Bank cards: Wealth World Elite MC, World MC, Platinum MC…
Show 16 more
- China BankEnds Dec 30, 2026All China Bank credit cards
- China BankEnds Jan 31, 2027All China Bank credit cards
- China BankEnds Nov 30, 2026Mon to FriAll China Bank credit cards
- China BankEnds Dec 30, 2026All China Bank credit cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- China BankEnds Dec 15, 2026Register firstAll China Bank credit cards
- China BankEnds Dec 31, 20265 China Bank cards: Wealth World Elite MC, World MC, Platinum MC…
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- China BankEnds Dec 31, 2026All China Bank credit cards
- iPhone 18 Pro series at 0% for up to 24 months at Silicon Valley (exclusive Chinabank prices)Score 45China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Dec 31, 2026All China Bank credit cards
- China BankEnds Nov 30, 2026All China Bank credit cards
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.