Best PAL Mabuhay credit card Philippines - which should you choose?

If you’re a frequent traveler, using a miles credit card can help you access extra travel perks, including upgrades, lounge access and complementary insurance. There are Mabuhay Miles credit card options from most major banks, which have varying eligibility requirements and earning rates.

This guide walks through some popular travel card options for you to consider, looking at Mabuhay Miles redemption features and other travel perks. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

Card comparison overview

In this guide we've picked out six of the best Mabuhay Miles cards, from different banks in the Philippines. We’ve got a head to head comparison of their core features, with a bit more information right after to help you decide. Once you’ve selected one, you’ll be able to check how to get a Mabuhay Miles card from your preferred bank on their website, or by giving the service center a call.

*Details correct at time of research - 29th September 2025

What to consider when choosing a Mabuhay miles credit card in the Philippines?

You’ll want to compare a few Mabuhay Miles cards to see which is the best fit for you, based on your eligibility and the reward earning opportunity.

It’s helpful to know that different cards operate differently in terms of reward redemption. Most of the cards available in the Philippines offer bank issued reward points which you can then convert to Mabuhay Miles - or for other perks if you’d prefer. This gives some flexibility in terms of how you use your rewards, but does mean that the conversion rates are subject to change.

This guide will help you compare the options available - check the latest redemption rates online to make sure you're selecting the very best card for your needs.

Best Mabuhay miles credit cards

Here’s a bit more detail on each of the top cards we’ve selected to help you decide if any fit your needs.

RCBC Visa Platinum Credit Card

The RCBC Visa Platinum Credit Card is available with the PREFERRED AIRMILES scheme, which allows you to convert your earned miles to Mabuhay miles.

• Annual fees: 5,000 PHP, waived for 1 year
• Reward earning: 1 mile per 48 PHP locally. Up to 1 mile per 25 PHP overseas
• Foreign transaction fees: 2.25% on purchases over 1,000 PHP
• ATM fees: 200 PHP + foreign transaction fee

Use your card to spend locally and overseas, and earn PREFERRED AIRMILES which convert to air miles including Mabuhay miles. You can also use your card to get airport lounge access and some complementary travel and purchase insurance.

Metrobank World Mastercard

If you’ve already had a credit card with another bank which has a limit of 150,000+, for 9 months or more, you can apply for a Metrobank World Mastercard and earn Mabuhay miles.

• Annual fees: 6,000 PHP waived for 1 year
• Reward earning: 1 mile per 50 PHP locally. 1 mile per 17 PHP overseas
• Foreign transaction fees: 1.85%
• ATM fees: 200 PHP + foreign transaction fee

The Metrobank World Mastercard lets you earn rewards at a higher rate on foreign spending, and also offers a relatively low foreign transaction fee of 1.85%. You’ll also get unlimited local airport lounge access and limited access to international lounge when you travel.

Security Bank Platinum Mastercard

The Security Bank Platinum Mastercard offers rewards which you can convert to Mabuhay miles and extras like dual currency billing for people using USD.

• Annual fees: 4,000 PHP
• Reward earning: 2 points per 20 PHP spend
• Foreign transaction fees: 200 PHP
• ATM fees: 2.5% + foreign transaction fee

You can use your credit card for local and overseas spending and earn 2 points for every 20 PHP. Check the Security Bank Platinum Mastercard rewards catalogue for the latest conversion rates to Mabuhay miles. Cards also offer airport lounge access and some purchase protections for extra peace of mind.

HSBC Red Mastercard

The HSBC Red Mastercard is available for customers who have already had a card from another bank for at least 6 months, and who have an annual income of 400,000 PHP.

• Annual fees: 2,500 PHP
• Reward earning: 4x earning on overseas and other select spending
• Foreign transaction fees: 3.5%
• ATM fees: 200 PHP + foreign transaction fee

You can earn 4x bonus points on online, dining, shopping and overseas spending which you are then able to redeem for airmiles and other perks. The latest conversion rates are available online when you log into your HSBC account.

PNB-PAL Mabuhay Miles Mastercard

There are several different types of PNB-PAL Mabuhay Miles Mastercard including some which are invitation only - apply for pre-approval online to see which you’re eligible for.

• Annual fees: 6,000 PHP
• Reward earning: 30 PHP per mile
• Foreign transaction fees: 200 PHP
• ATM fees: 2.5% + foreign transaction fee

You can earn rewards at a rate of up to 1 mile per 30 PHP spend, and convert your reward points to miles at a rate of one to one. The card also offers some extra benefits like discounts on PAL flights which can make it very appealing to frequent travellers.

BPI Signature Card

With the BPI Signature Card you can earn points to convert to miles, as well as getting access to exclusive offers and deals.

• Annual fees: 5,500 PHP
• Reward earning: 2 points per 20 PHP spend
• Foreign transaction fees: 1.85%
• ATM fees: 200 PHP + foreign transaction fee

The BPI Signature Card has a host of travel benefits including local lounge access and some complementary travel insurance. The foreign transaction fee is relatively low at 1.85%. There’s no set income requirement for this card, but you can apply online with your proof of income or a bank statement from a different bank, to check your eligibility.

What else to look out for when choosing a Mabuhay miles credit card?

Before you choose a credit card take a moment to consider the costs associated with using your card for spending at home and abroad. Travel credit cards can help you unlock some great benefits - but they’re not offered for free. You’ll need to pay an annual fee for most credit cards, and there are also some transaction costs which can rack up when you’re overseas.

While many cards let you earn more rewards when you travel, you’re likely to also need to pay a foreign transaction fee which can be around 2.5% or more - which might undermine the extra perks you’re earning.

Some banks offer a Mabuhay Miles redemption chart which lets you compare how many Mabuhay Miles to redeem a flight, which can help you weigh up the costs against the benefits of the card you’re considering. In some cases you might decide it’s better to leave the credit card at home when you travel, and use a low cost international debit card instead.

Use miles to redeem your flights and bring along the Wise card when you travel to maximise your overseas spending

The Wise card lets you spend in 40+ currencies at the mid-market rate including USD, SGD, GBP, and JPY so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up PHP to get started.

A physical Wise card can be ordered for a low fee of 369.60 PHP. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 12,000 PHP each month, before low fees start.

While abroad, you can choose to spend directly in PHP and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.57%.

💳 Get your Wise card today

1. RCBC Visa Platinum Credit Card
2. RCBC fees
3. Metrobank World Mastercard
4. Metrobank fees
5. Metrobank miles earning rate
6. Security Bank Platinum Mastercard
7. HSBC Red Mastercard
8. HSBC fees
9. PNB-PAL Mabuhay Miles Mastercard
10. PNB fees
11. BPI Signature Card
12. BPI fees