By Jacqueline Lucero

Traveling is one of life’s greatest joys, and the right credit card can make your journeys even more rewarding. From earning air miles to complimentary lounge access and travel insurance, travel-focused credit cards offer a wealth of benefits. Here are ten excellent travel credit cards available in the Philippines today: 

1. BPI Visa Signature Card 

With an annual fee of ₱5,500, the BPI Visa Signature Card is perfect for frequent flyers. Cardholders earn one reward point for every ₱20 spent, which can be converted to air miles. It also offers free access to select airport lounges globally and travel insurance coverage of up to ₱20 million. A standout feature is its ability to withdraw cash in the local currency at minimal or zero fees, eliminating the hassle of finding money changers during your travels. 

2. China Bank Prime Miles World Mastercard 

China Bank recently introduced its Prime Miles World Mastercard, designed for discerning travelers. With an annual fee of ₱6,000, this card allows cardholders to earn one reward point for every ₱20 spent, convertible to air miles or other rewards. It also provides access to Priority Pass lounges worldwide and travel insurance coverage of up to ₱10 million. The card includes perks like waived foreign transaction fees, making international trips seamless. 

3. Metrobank Travel Platinum Visa 

Frequent travelers will appreciate the Metrobank Travel Platinum Visa, which comes with an annual fee of ₱5,000. Cardholders earn one reward point for every ₱17 spent, making it easy to accumulate travel perks. This card includes unlimited access to NAIA SkyView Airport Lounges and travel insurance of up to ₱5 million, ensuring a worry-free journey. 

4. PNB-PAL Mabuhay Miles World Mastercard 

The PNB-PAL Mabuhay Miles World Mastercard is the go-to card for loyal Philippine Airlines (PAL) passengers. With an annual fee of ₱6,000, it allows users to earn one PAL Mabuhay Mile for every ₱33 spent. Perks include priority check-in on PAL flights and travel insurance coverage of up to ₱10 million, making it the ideal companion for frequent PAL flyers. 

5. UnionBank Miles+ Platinum Visa 

UnionBank’s Miles+ Platinum Visa combines flexibility and value, with an annual fee of ₱3,000. Cardholders earn 1.5 miles for every ₱25 spent abroad and one mile for local transactions. Additionally, the card offers up to 1.5 percent cashback on international purchases and travel insurance, making it a practical choice for both domestic and international travel. 

6. RCBC Bankard Visa Platinum 

For those who value rewards and perks, the RCBC Bankard Visa Platinum is an excellent option with an annual fee of ₱3,600. Cardholders earn one reward point for every ₱36 spent, which can be redeemed for air miles. Benefits include complimentary access to NAIA SkyView Lounge, no foreign transaction fees, and travel insurance. 

7. HSBC Live Platinum 

HSBC recently introduced the HSBC Live Platinum, replacing its former HSBC Platinum Visa. With an annual fee of ₱5,000, this card focuses on rewarding lifestyle spending. Cardholders earn one air mile for every ₱25 spent and gain complimentary access to LoungeKey airport lounges globally. It also includes travel insurance coverage of up to ₱10 million, ensuring a smooth travel experience. 

8. EastWest Visa Platinum 

The EastWest Visa Platinum, with an annual fee of ₱5,000, offers comprehensive travel benefits. Cardholders earn one reward point for every ₱40 spent, which can be redeemed for miles or other rewards. This card provides access to select airport lounges and travel insurance coverage of up to ₱20 million, making it suitable for frequent travelers. 

9. BDO Visa Gold 

The BDO Visa Gold is a cost-effective choice for travelers, with an annual fee of ₱3,000. Cardholders earn one reward point for every ₱50 spent and enjoy travel accident insurance and complimentary airport lounge access, making it ideal for budget-conscious travelers who still want essential perks. 

10. Security Bank Platinum Mastercard 

The Security Bank Platinum Mastercard, with an annual fee of ₱4,000, is a well-rounded option for frequent travelers. Cardholders earn one reward point for every ₱20 spent and gain access to Priority Pass lounges worldwide. It also offers travel insurance coverage, ensuring comfort and peace of mind on every journey. 

Making the right choice 

Selecting the best travel credit card depends on your travel habits and priorities. Are you focused on earning air miles, accessing exclusive airport lounges, or securing comprehensive travel insurance? Some cards are ideal for frequent flyers, offering generous rewards points and miles for every peso spent, while others prioritize convenience with waived foreign transaction fees or cashback on international purchases. Lounge access and priority boarding can enhance your comfort, while travel insurance ensures peace of mind on every trip. Take the time to assess your lifestyle, spending habits, and travel goals to find the card that complements your adventures. With the right choice, every journey can become a seamless, enjoyable experience, maximizing both convenience and rewards.