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China Bank · Mastercard · World

World MC

Why pick it: 5% back on gas, up to ₱20M ticket insurance

Points card: 1 point per ₱30 (8,000 points = 1,000 Asia Miles), 5% rebate at local gas stations, ₱20M travel insurance.

Score
35 /100
Rank
#46 of 123
Annual fee
₱6,000
Solid B
GET IT IF…Honest take

Kahit 'World' ang pangalan, gas ang main reason para kunin ang card na ito.

Bottom line: Kung malaki ang gastos mo sa gas at hawak mo na ang ibang card for a year, sulit ito. Kung bihira kang mag-gas, 1 point per ₱30 lang ang earn mo sa ibang spend.

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

Sa typical household (~₱825k a year), nasa ~₱4,500 ang bumabalik. Sa travel, ~-₱1,000 ang net, negative dahil sa 2.50% na foreign fee, from our data. ₱6,000 ang annual fee, from our data; puwede mong hingin ang waiver, pero sa bank ang desisyon. 35 ang score, #46 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

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

What's bad

  • Hindi free ang lounge access. DragonPass ito, USD 32 kada person per visit.
  • 2.50% ang singil sa foreign spend (galing sa data), steep para sa 'world' card, kaya huwag itong dalhin abroad.
  • Galing sa data: kailangan mo ng card ng ibang bank na hawak for 12+ months, at ₱250k a year na income.
  • Per the Rewards T&C, walang points ang auto-charge bills, installments, wholesale clubs at ilang utilities.

The catch: Walang cap na nakalista sa bank page para sa 5% fuel rebate, kaya basahin muna ang fuel rebate T&C. Wala rin sa page ang annual fee at income requirement; mula sa data ang dalawa.

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. 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 ₱6,000 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

#46 of 123 cards open to new applicants, and #66 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value12 / 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 waivers8 / 16

      A ₱6,000 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 21 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

    World 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 2452 BOct 2634 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
₱6,000
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 (21)

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

Show 16 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 ↗