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Best China Bank Credit Cards Philippines Review (2019)

Best China Bank Credit Cards Philippines Review (2019)

China Bank may be known in the Philippines for its auto loans. But did you know that it also has three credit cards that you can apply for?

You can choose from the Prime, Platinum, and World Mastercard. In this China Bank credit cards review, find out what you need to know about each card to help you make the best choice.

China Bank Credit Card Annual Fees / Monthly Interest / Monthly Income Requirement Best Features
China Bank World Mastercard
  • 6,000 PHP / year
  • 3.04%
  • 83,000 PHP / month
  • For people who love luxury
  • Worldwide concierge services
  • Complimentary SM Prestige Card
  • 1 reward point = 25 PHP (shopping and dining)
  • 1 reward point = 200 PHP (groceries, fuel, insurance, drug store purchases)
China Bank Platinum Mastercard
  • 3,500 PHP / year
  • 3.30%
  • 41,600 PHP / month
  • For people who love to shop, dine, and travel
  • 1 reward point = 25 PHP (shopping and dining)
  • 1 reward point = 200 PHP (groceries, fuel, insurance, drug store purchases)
  • Complimentary SM Advantage Card
China Bank Prime Mastercard
  • 1,500 PHP /year
  • 3.56%
  • 15,000 PHP / month
  • The everyday credit card
  • 1 reward point = 25 PHP (shopping and dining)
  • 1 reward point = 200 PHP (groceries, fuel, insurance, drug store purchases)
  • Complimentary SM Advantage Card

China Bank World Mastercard

If you’re looking for exclusive lifestyle perks and rewards, then the China Bank World Mastercard is just right for you. It’s touted as China Bank’s total luxury card because of the world-classes privileges it offers.

Premium Lifestyle World Concierge

Wherever you may be in the world, you can get VIP access to airport lounges and personalized assistance from different partner establishments.

Visiting a new city for the first time and don’t have friends or family to show you around? You can get concierge assistance and referrals for the best hotels, restaurants, beauty spas, car rentals and golf courses.

There’s a dedicated telephone number to call (632) 687-8385) to access your concierge – and the best bit is that it’s available 24/7.

Premium Dining and Travel Privileges

Love to travel and indulge in excellent epicurean delights? Get as much as 50% off on buffets any day of the week, a la carte orders dining bills, hotel room accommodation, and even on spa treatments.

You can also get exclusive deals at different tourist attractions abroad, freebies when you dine / shop at partner establishments, discounts when you purchase through Agoda, Travelbook.ph, Lazada, Zalora, ShopSM.com, Reebonz, or My Shopping Box.

Free China Bank SM Prestige Membership

When you reach the required retail or installment spend amount, you get a complimentary SM Prestige card.

With this card, you can enjoy all the features and benefits of the SM Advantage Loyalty Program whenever you shop at SM and partner merchants in the Philippines.

Your SM Prestige Card should be used with your China Bank World Mastercard, so make sure to show both cards when paying at these partner establishments.

Exciting Rewards Program

You earn 1 reward point with every 25 PHP you spend on shopping and dining, as well as on beauty, health, or wellness treatments.

You can also pay for your gasoline, insurance premiums, as well as grocery, supermarket, and drugstore purchases in order to earn one reward point for every 200 PHP spend.

When you have accumulated enough reward points, you can choose to redeem Mabuhay Miles or cash credits.

If you have family members who are supplementary cardholders, the points that they earn are credited to your account too.

Other features of the China Bank World Mastercard:

  • Perpetually waived annual fees for supplementary cards
  • Secure features like SMS alerts and email notifications for your transactions
  • 3D Secure, one-time password for online transactions
  • EMV Chip
  • Zero interest installment plans up to 36 months all year round at partner merchants
  • Balance transfer up to 24 months
  • Transaction conversion for straight transactions up to 24 months

China Bank Platinum Mastercard

It’s a great credit card to have if your biggest expenses are on retail shopping, dining, and travel. You can use this card anywhere in the world and conveniently pay for your purchases. Except in casinos and gambling sites.

Just like the China Bank World Mastercard, you can get freebies and discounts at all participating establishments with this card.

Rewards Program

Love to dine out with friends and family and try new dishes and restaurants? Pay your dining bill with your China Bank Platinum Mastercard and receive 1 reward point for every 25 PHP spend. Retail, spa, and even gym transactions are eligible.

However, for every 200 PHP spent, you can also earn 1 reward point when you use your card to shop for groceries, get fuel for your car, settle your utility bills, pay for your insurance premiums, or buy medicine.

Like the China Bank World Mastercard, you can redeem cash credits or Mabuhay Miles, which will then be credited to your account.

Free China Bank SM Advantage Card

You also get a complimentary China Bank SM Advantage Card once you hit the required accumulated or installment purchases.

This means that you can enjoy the benefits of the SM Advantage Loyalty Program whenever you shop at SM and any of its partner establishments in the country.

You should present both your China Bank Platinum Mastercard and SM Advantage Card at the counter to take advantage of discounts and get points.

Other features of the China Bank Platinum Mastercard:

  • Perpetually waived annual fees for supplementary cards
  • 24/7 customer service
  • Secure features like SMS alerts and email notifications for your transactions
  • 3D Secure, one-time password for online transactions
  • EMV Chip
  • Electronic statement of account
  • Zero interest installment plans
  • Flexible payments

China Bank Prime Mastercard

If you want a credit card that you can use for your everyday spending without the hefty annual fees, the China Bank Prime Mastercard is a great choice.

You get rewarded with your spending and enjoy exciting deals and discounts, too. Because it’s Mastercard, you can use it in over 22 million merchants all over the world.  It’s also a great card to use for your online shopping.

Like the World and the Platinum cards, the only restriction on this card is in casinos and on gambling sites.

Rewards for Your Spending

Earn 1 reward point for every 25 PHP spend on shopping and dining. Earn 1 reward point for all other purchases, like fuel, groceries, bill payments, insurance premiums, or drugstore purchases with every 200 PHP spend.

You can also exchange your reward points for cash credits or Mabuhay Miles.

Free China Bank SM Advantage Card

Like the Platinum card, the Prime Mastercard comes with a complimentary SM Advantage membership. You will receive your SM Advantage Card when you reach the required amount for accumulated or installment purchases.

Other features of the China Bank Prime Mastercard:

  • Perpetually waived annual fees for supplementary cards
  • 24/7 customer service
  • Secure features like SMS alerts and email notifications for your transactions
  • 3D Secure, one-time password for online transactions
  • EMV Chip
  • Electronic statement of account
  • Zero interest installment plans up to 36 months all year round at partner merchants
  • Balance transfer up to 24 months
  • Transaction conversion for straight transactions up to 24 months
  • Flexible payments

Conclusion:

China Bank may not have a lot of credit card offerings for Filipinos, but it does have credit cards for every kind of spender and for a variety of income brackets.

Its entry level credit card offers great deals, discounts, and rewards without the hefty annual fees.

China Bank’s top tier credit cards provide deals that cardholders cannot find anywhere else.

In the past, China Bank’s reward points only had a validity of one year. But now, reward points no longer expire.

This is a great thing for Filipinos who only use their credit cards to buy the essentials. You can collect reward points without the pressure of spending more within a given period.

 

Which of these credit cards appealed to you the most? Which feature did you like best? Let us know in the comments below!