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EastWest · Mastercard · World

KrisFlyer World MC

Why pick it: 1 KrisFlyer mile per ₱12 on SIA, abroad, hotels

KrisFlyer miles card: ₱12 per mile on Singapore Airlines, foreign and hotel spend; ₱78 per mile on other local spend; auto-credited.

Score
72 /100
Rank
#5 of 123
Annual fee
₱5,000
Solid S
GET IT IF…Honest take

Miles card para sa SIA flyers at overseas spend. Sa local spend, ordinary lang ang earn.

Bottom line: Lumilipad ka ba sa SIA o Scoot, o madalas abroad ang gastos mo, at pasok ka sa income? Sulit ito. Kung local ang karamihan ng spend mo, ibang card ang bagay.

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

Sa typical household (~₱825k a year), ~₱9,500 ang kita galing sa data, plus ~₱9,000 na travel value. Ang annual fee ay ₱5,000; puwede kang humiling ng waiver, pero sa bank ang desisyon. 72 ang score at #5 ang puwesto 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

  • Foreign fee abroad: 1.70%, mababa, per the page.
  • Per the KrisFlyer T&C, 1 mile per ₱12 ang earn sa SIA group, overseas at hotel spend, at walang cap.
  • Welcome bonus: 6,000 miles kapag nakapag-spend ka ng ₱200,000 sa loob ng 3 months. Anniversary bonus: 15,000 miles sa ₱200,000 spend kada year, ayon sa T&C.
  • 10 free lounge visits a year via Mastercard Travel Pass (DragonPass), plus travel insurance na up to ₱20M para sa'yo at sa family kapag sa card binili ang ticket.

What's bad

  • Sa ibang local spend, 1 mile per ₱78 lang ang earn, per the T&C.
  • Mataas ang ₱5,000 fee, at first supplementary card lang ang free.
  • Mataas din ang income requirement: ~₱2,600,000 a year, galing sa data.

The catch: Nasa card page ang earn tiers, lounge visits at insurance, pero nasa hiwalay na KrisFlyer T&C ang cap at bonuses. Walang income figure sa page; mula sa data ang numero, kaya mag-check ka sa bank. Self-employed? Kailangan ng credit card reference at latest statement.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income. 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 ₱18,500 in rewards (₱9,500) and travel value (₱9,000), before the ₱5,000 annual fee (on request; the bank decides)
To qualify:
₱2,600,000 a year income; Employed and self-employed: valid credit card reference and latest statement
Bank service:
About typical.

First year

Welcome offer:
Welcome 6,000 KrisFlyer miles for ₱200,000 retail spend within 3 months of activation (newly approved cards) (no end date stated)
Annual fee:
First-year annual fee waived for new-to-bank applicants only.

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.

Who can apply

Age:
At least 21; no maximum age stated.
Existing card:
Both employed and self-employed applicants list a valid credit card reference and the latest month statement of account.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#5 of 123 cards open to new applicants, and #7 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value52 / 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 spend20 / 37

      About ₱9,500 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend10 / 10

      About ₱9,000 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 37 live promos tracked. How it is scored

  • Points flexibility7 / 10

    1 airline partner, and points that follow the airline. How it is scored

  • Credit limit and upgrade path4 / 5

    World card level, plus how EastWest handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee0 / 2

    A late fee of ₱1,500 for one missed payment. How it is scored

On the default spend: about ₱9,500 a year in rewards and ₱9,000 in travel value.

Score over time

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

methodmethodmethodmethod68 SOct 2468 SOct 2670 SOct 2770 SNov 270 SNov 470 SNov 971 SNov 1072 SNov 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
₱5,000
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.70%
Minimum income
₱2,600,000 a year
Also needs
Employed and self-employed: valid credit card reference and latest statement

Rewards

1 KrisFlyer mile per ₱12 on Singapore Airlines Group, international and hotel spend; per ₱38 on other airlines, local e-commerce and dining; per ₱78 on other local spend. Minimum ₱36 per transaction. Miles post to KrisFlyer 2 weeks after each statement.

Type
Miles
Points expiry
36
Airline partners
KrisFlyer

Travel perks

International lounge visits
10 a year
Local lounge
None
Travel insurance
Up to ₱20,000,000, covers family

Strengths

  • Low FX fee (1.70%)
  • 10 free international lounge visits a year
  • Travel insurance up to ₱20M covering family

Live and upcoming promos (37)

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

Show 32 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 EastWest card page ↗