Travel Credit Cards

Why use these specific cards? They give you miles to help pay for your travels! If you use them enough, you can even fly for free!

*We will only cover the cards which are designed SPECIFICALLY for travel

Citi Premier Miles Signature Visa	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP5000	PhP30 : 1 Mile	PhP200000	Dragon Pass Membership (2 free visits)	Cebu Pacific Get Go, Asia Miles, Mabuhay Miles, British Airways, Etihad, Eva Air, Garuda Indonesia, Thai Royal Orchid, Flying Blue, IHG Rewards, Jet Privilege, Malaysia Airlines, Qantas, Qatar, Turkish Airlines, Vigin Atlantic

Pros: Has the most choices for airlines, lounge access, low income requirement, and it's COLOR BLACK!
Cons: Very high annual fee (even if it's not the elite Citi card)
Conclusion: Choose this if you need flexibility. Asia Miles cannot take you on local trips, but this card lets you choose your partners so you can transfer your points to Asia Miles now and with Cebu Pacific Get Go next time

Metrobank Travel Platinum Visa	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP5000	PhP17 overseas or PhP50 local : 1 Mile	PhP800000	Priority Pass Membership	Asia Miles, Mabuhay Miles, Krisflyer

Pros: Best spending to mile ratio (only overseas though), generous credit limit (Metrobank gave me a credit limit of 300% of my current highest), widest international lounge access

Cons: Limitation to only Asia Miles, which has very high mile spending rates (when I wrote this, it takes 15000 Asia Miles to get to Hong Kong from Manila)

Conclusion: If you spend a lot of money overseas, this one is meant for you. Take advantage of the best Pesos to miles ratio

PNB Mabuhay Miles Platinum and World Mastercard	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP2500	PhP33 : 1 Mile	PhP480000	Mabuhay Miles Club Membership	Mabuhay Miles
	PhP6000	PhP33 : 1 Mile	PhP480000	Mabuhay Miles Club Membership	Mabuhay Miles

Pros: Best rates for spending miles with Mabuhay Miles, good customer service with Philippine Airlines, relatively low income requirement

Cons: Limitation to only Philippine Airlines, high annual fee

Conclusion: If you travel a lot (both local and international but mostly to places covered by Philippine Airlines), this one is for you

Union Bank Gold and Platinum Get Go Visa	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP3500	PhP30 : 1 Mile	PhP600000	None	Cebu Pacific Get Go
	PhP5000	PhP30 : 1 Mile	PhP1200000	Only local lounges	Cebu Pacific Get Go

Pros: Immediate transfer of points to your Get Go account, no need to make calls, Get Go points do not expire

Cons: High income requirements (considering how only Cebu Pacific can be accessed), no lounge access for Gold

Conclusion: This is meant for the person who travels several times inside our country

BDO Cathay Pacific American Express and Cathay Pacific American Express Elite	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP2400 (waived for annual spending of PhP300000)	PhP42 (overseas or local) : 1 Mile	PhP480000	Marco Polo Club Green membership	Cathay Pacific, Asia Miles
	PhP5000 (waived for annual spending of PhP600000)	PhP25 overseas or PhP38 local : 1 Mile	PhP1200000	Marco Polo Club Green membership	Cathay Pacific, Asia Miles

Pros: Wide choices of destinations with Asia Miles, perks of American Express Select membership and Green level Marco Polo Club membership, several discounts and promos thanks to BDO's wide network

Cons: Limitation to only Asia Miles, which has very high mile spending rates (when I wrote this, it takes 15000 Asia Miles to get to Hong Kong from Manila), limited acceptance of American Express cards in the Philippines

Conclusion: If you travel a lot (both local and international and use several carriers who are members of the Asia Miles group), this one is for you

BPI Delta Sky Miles Mastercard and Platinum Mastercard	Annual Fee	Spending to Miles Ratio	Annual Income Requirement	Lounge Access	Partner Companies
	PhP2050	PhP45 : 1 Mile	PhP180000	Delta Sky Miles Club membership	Delta Airlines
	PhP5000	PhP45 : 1 Mile	PhP1000000	Delta Sky Miles Club membership	Delta Airlines

Pros: Low annual fee, Delta miles do not expire and are transferable

Cons: Limitation to only Delta Airlines, low ratio of spending to miles

Conclusion: If you travel a lot to the United States, this one is for you. Some friends of mine use this as their local go-to card and travel regularly to the East Coast, flight paid for by BPI's Delta miles

If you want these cards, you can apply at one of these websites. I did, and they all work!

https://www.moneymax.ph/credit-card

https://www.imoney.ph/credit-card

https://www.ecomparemo.com/credit-card

WILL YOU USE TRAVEL CARDS? ARE THE ONES SHOWN GOOD ENOUGH FOR YOUR NEEDS? CAN YOU SUGGEST SPECIFIC WAYS TO MAXIMIZE THE PERKS AND MILES? TELL US IN THE COMMENTS PLEASE!

Thank you for reading my blog. Feel free to comment and if you need to reach me personally, leave me a comment saying just that. I read all my comments.

*All images here were just taken from the internet with the assumption that they are in the public domain. This blog was written with no intention of damaging anyone's public image, just sharing my opinion.

Philippine Credit Cards