The Best Travel Credit Cards for 2025: A Guide for Filipino Travelers
As we head into 2025, Filipino travelers are becoming more savvy about maximizing rewards and perks from travel credit cards. Whether you’re a frequent flyer, a budget-conscious traveler, or someone who enjoys luxury experiences, having the right travel credit card can help you save money, earn points, and get access to exclusive benefits.
In this guide, I’ll introduce you to the best travel credit cards for Filipino travelers in 2025. From earning free flights to getting travel insurance, these cards will help you turn your everyday spending into unforgettable travel experiences.
1. BPI Visa Signature Card
The BPI Visa Signature Card is one of the best travel credit cards for Filipinos, especially if you’re looking for a card with no foreign transaction fees and a solid rewards system. For every PHP 20 spent on local purchases, you earn 1 rewards point, and for international purchases, it’s even better with 2 rewards points per PHP 20 spent.
Key Benefits:
No Foreign Transaction Fees: Great for international travelers to avoid paying extra fees abroad.
Earn Points on Every Purchase: Whether you’re booking flights, hotels, or shopping, you earn points for every peso spent.
Exclusive Airport Lounge Access: Cardholders get free access to selected airport lounges worldwide.
Travel Insurance: Includes travel inconvenience protection like delayed flights and lost baggage.
Who It’s Best For:
Filipinos who frequently travel abroad and want to avoid foreign transaction fees while earning points on every purchase. If you’re a frequent traveler to destinations like Japan, Korea, or Europe, this card offers excellent value.
2. Citi PremierMiles Card
The Citi PremierMiles Card is another top choice for Filipino travelers in 2025. It’s perfect for those who want to earn miles quickly and have flexibility when it comes to redeeming them. With 1 PremierMile for every PHP 30 spent, this card offers easy accumulation of travel points that can be transferred to over 60 airlines worldwide.
Key Benefits:
Global Airline Miles Transfer: Transfer miles to leading airlines like Cathay Pacific, Qatar Airways, and Singapore Airlines.
Free Travel Insurance: Covers travel accidents, trip cancellations, and lost baggage.
Airport Lounge Access: Enjoy complimentary access to airport lounges worldwide.
No Expiry on Miles: Your miles don’t expire, so you can accumulate them and redeem them anytime.
Who It’s Best For:
Filipino travelers who fly frequently and want to enjoy the flexibility of redeeming miles with various airlines. If you love flying with different airlines depending on your destination, this card provides excellent versatility.
3. RCBC Bankard Visa Platinum
For travelers who enjoy luxury perks and premium services, the RCBC Bankard Visa Platinum is a great option. It comes with VIP treatment like priority boarding and access to premier airport lounges. Plus, it offers a 24/7 concierge service that helps you with travel bookings, reservations, and even itinerary planning.
Key Benefits:
Airport Lounge Access: Get unlimited access to lounges in major airports worldwide.
Comprehensive Travel Insurance: Covers medical emergencies, accidents, and travel inconveniences.
Luxury Perks: Get premium hotel and dining offers, plus access to priority services.
Cashback for Travel-Related Purchases: Earn cashback on travel bookings, hotel stays, and more.
Who It’s Best For:
Frequent travelers who prefer luxury and premium services. If you like to travel in comfort and want access to high-end perks, this card will enhance your travel experience.
4. UnionBank Miles+ Platinum Visa Card
The UnionBank Miles+ Platinum Visa Card is one of the best cards for earning miles quickly, making it perfect for travelers who prioritize accumulating airline miles. You’ll earn 1 mile for every PHP 25 spent on airlines, hotels, and overseas purchases, and 1 mile for every PHP 45 spent locally.
Key Benefits:
Fast Miles Accumulation: Earn more miles faster on travel-related purchases.
Exclusive Travel Perks: Includes airport lounge access and priority check-in.
Insurance Protection: Includes travel accident and inconvenience insurance.
Flexible Redemption: Redeem miles for flights, hotel stays, or travel packages.
Who It’s Best For:
Filipino travelers who prioritize accumulating airline miles and want to enjoy travel-related perks. If you book flights or hotels frequently, this card will help you rack up miles quickly.
5. PNB-PAL Mabuhay Miles World Mastercard
The PNB-PAL Mabuhay Miles World Mastercard is perfect for Philippine Airlines (PAL) loyalists who want to earn Mabuhay Miles faster. For every PHP 33 spent, you earn 1 Mabuhay Mile. You’ll also get bonus Mabuhay Miles as a welcome offer when you sign up.
Key Benefits:
Earn Mabuhay Miles Fast: Great for frequent flyers of Philippine Airlines.
Travel Insurance: Includes protection for flight delays, lost baggage, and trip cancellations.
Airport Lounge Access: Enjoy complimentary lounge access with every PAL flight.
Exclusive Offers: Get priority access to special PAL promotions, discounted flights, and seat upgrades.
Who It’s Best For:
Frequent flyers of Philippine Airlines who want to maximize their Mabuhay Miles. If you often fly domestically or internationally with PAL, this card will significantly enhance your rewards accumulation.
Honorable Mention: Bilt Mastercard®
Although not yet widely available in the Philippines, the Bilt Mastercard® is an innovative card for travelers who also rent apartments or houses. The card allows you to earn points on rent payments with no extra fees. For Filipinos living or working abroad, especially digital nomads, the Bilt Mastercard® can be an excellent option for earning points on rent and travel-related purchases.
Key Benefits:
Earn Points on Rent: Earn 1 point per dollar spent on rent payments.
No Annual Fee: There’s no annual fee, making it budget-friendly.
3x Points on Dining: Earn triple points on dining and food deliveries.
2x Points on Travel: Earn double points on travel bookings.
Check out the Bilt Mastercard® for more details!
Tips for Choosing the Best Travel Credit Card
Before applying for a travel credit card, here are a few things to consider:
Where Do You Travel Most?: Some cards are better suited for international travel, while others focus on domestic travel. Choose a card that aligns with your travel destinations.
Do You Prefer Airline-Specific or General Travel Cards?: If you’re loyal to a particular airline like Philippine Airlines, an airline-specific card may be best. Otherwise, general travel cards offer more flexibility.
Foreign Transaction Fees: Look for cards with no foreign transaction fees, especially if you travel frequently outside the Philippines.
Annual Fees: Some premium cards come with higher annual fees, but the perks (lounge access, insurance) can make them worth it. Weigh the fees against the benefits you’ll actually use.
Redemption Options: Make sure the card’s rewards program offers redemption options that suit your travel style, whether it’s flights, hotel stays, or even rent payments.
Final Thoughts
Choosing the best travel credit card for 2025 as a Filipino traveler comes down to your specific needs and travel habits. Whether you’re looking to rack up miles, enjoy luxury perks, or avoid foreign transaction fees, there’s a card out there that will enhance your travel experience.
From the BPI Visa Signature Card for no foreign fees to the PNB-PAL Mabuhay Miles Mastercard for frequent PAL flyers, these cards offer valuable perks that can make your travels more rewarding. Do your research, pick a card that aligns with your goals, and get ready to enjoy more travel and fewer expenses in 2025!
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