Gold MC
Gold
Landbank · Mastercard · Gold
Gold MC
Why pick it: ₱0 overlimit and installment conversion fees
Government bank's gold card: 1 point per ₱50 as ₱0.10 cash rebate, ₱2,500 annual fee (first year free), points can pay fees.
- Score
- 10 /100
- Rank
- #120 of 123
- Annual fee
- ₱2,500
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Per the page, ₱2,500 a year ang Gold, pero 1 point per ₱50 lang ang earn.
Bottom line: Hindi sulit ang ₱2,500 na fee para sa 1 point per ₱50, kaya skip muna.
Read the full take: the math, what's good, what hurts
Return para sa typical household (~₱825k a year) ay ~₱1,000, habang negative ang travel side na ~-₱1,000 kahit mababa ang foreign fee (2.00%). Nasa page ang ₱2,500 na annual fee at ang earn na 1 point per ₱50. Kung hihilingin mo ang waiver, ang bank ang magpapasya, ayon sa data. Puwesto: #120 sa 123 cards; score 10.
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
- Lifetime points ang sinasabi ng Gold card page blurb.
- Per the page, may 'No Maintenance Fee', at walang overlimit fee o installment conversion fee.
- Per the application form T&C, libre ang annual fee sa first year, pero hindi ito binabanggit ng product page.
What's bad
- Per the page, applies sa lahat ng LANDBANK cards ang loyalty program, kaya 1 point per ₱50 din ang Gold kahit ₱2,500 ang fee.
- May ₱1,000 na annual fee din ang supplementary, per the official page.
- The page does not list the minimum income, and the form does not say what 'Gold (₱200K and above)' measures.
- Walang nakasulat sa page tungkol sa lounge at travel insurance.
The catch: Ang 'No Maintenance Fee' sa page ay monthly maintenance fee lang; may annual membership fee pa rin na ₱2,500. Mag-check ka sa Landbank ng fee, earn rate at income bago mag-apply.
Rechecked on the bank page on 2026-10-25. Not on the page: point value (it is in the rewards T&C PDF); minimum income; fee waiver after the first year; lounge or travel insurance. 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 ₱0 in rewards (₱1,000) and travel value (−₱1,000), before the ₱2,500 annual fee (on request; the bank decides)
- To qualify:
- Not published
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#120 of 123 cards open to new applicants, and #167 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value0 / 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 waivers0 / 16
A ₱2,500 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 2.00% foreign fee. How the bars work
- Promos and 0% installments1 / 15
0% installment network: weak. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 8 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 path3 / 5
Gold card level, plus how LANDBANK 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 fee2 / 2
A missed payment costs 2.25% of the unpaid minimum due, about ₱38 on the typical household's minimum due. How it is scored
On the default spend: about ₱1,000 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 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
- ₱2,500
- Supplementary fee
- ₱1,000
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.00%
- Minimum income
- Not published
Rewards
1 point per ₱50, for cash rebates.
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Low FX fee (2.00%)
Live and upcoming promos (8)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- LandbankEnds Jan 31, 2027All Landbank credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- LandbankEnds Dec 30, 2026Mon to SatAll Landbank credit cards
- LandbankEnds Dec 30, 2026All Landbank credit cards
- LandbankEnds Dec 30, 2026All Landbank credit cards
Show 3 more
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
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.