Airline Co-branded Credit Cards in the Philippines – Updated Jan 2022

A lot of us travels for leisure and for work (or for business). And after a few years of traveling, you may have developed a sense of loyalty to some airlines due to a variety of reasons.

It may be due to the high level of service that you get from them in comparison with their competitors. Or it may be due to their price affordability.

Whatever your reason may be, it may be more beneficial for you to get airline co-branded credit cards if you travel a lot and if you, most often than not, only fly using a particular airline.

If you do not have a travel credit card yet, or if you want to maximize the benefit of owning one, check out our list of airline co-branded credit cards available in the Philippines.

Note to Readers: Please be advised that the information written here is valid as of the time of writing but may have been updated by the time you see/read this post. Please refer to the linked credit card providers’ web pages to get the updated details. If the links are not working by the time you see the article, please go to the bank’s homepage.

AirAsia Credit Card powered by RCBC

AirAsia is one of the leading budget carriers in the Southeast Asian region. Its affordability and high level of service make it one of the airlines of choice among budget travelers like me. If you frequently travel to the destinations served by AirAsia, then you may want to consider getting an AirAsia Card.

AirAsia Credit Card Benefits at a Glance:

Miles Accrual:

• Welcome gift of up to 8,000 AirAsia BIG Points when you spend at least Php20,000 within the first sixty (60) days from the card issuance date
• Qualified existing RCBC Bankard cardholders will receive 4,000 AirAsia BIG Points
• 2 Big Points for every P25 AirAsia Spend
• 1 Big Point for every P28 Non-AirAsia Domestic Spend
• Earn 1 Point for every P22 Non-AirAsia Overseas Spend

Travel Insurance:

• Not mentioned on its website as of the time of writing

Lounge Access:

• Access the Club Manila and Skyview Lounges for a fee of US$12. The fee is reversible if you charge at least US$200 abroad (single or accumulated spend) to reverse each $12 lounge fee then call 888-1888 to request the reversal.
• Children five (5) years old and below are allowed to enter at Club Manila Lounge for FREE and two (2) years old and below are allowed to enter for FREE at Skyview Lounge.

Other Benefits:

• Instant upgrade to AirAsia BIG Platinum Membership Status for the first year of card issuance which means you are entitled to priority check-in, boarding, and Xpress Baggage
• You can also use your AirAsia BIG Points to redeem free flights or vouchers from Lazada, SM Gift Pass, Grab, and many more.

Membership Fee:

• P3600/Year for the Principal Card Holder and P1800/Month for the Supplementary Card

Click here to learn more about AirAsia Credit Card powered by RCBC

Cebu Pacific Gold Credit Card by Unionbank

If you’re a frequent flyer of Cebu Pacific then this card may be for you. Cebu Pacific is probably the leading budget airline in the Philippines when it comes to the number of local destinations it serves which makes this one of the best airline co-branded credit cards available in the Philippines.

Cebu Pacific Gold Credit Card Benefits at a Glance:

Miles Accrual:

• Earn 1 Go Rewards Point for every P200 Spend
• Earn 1 Go Rewards Point for every P100 Cebu Pacific Spend
• Enjoy preferential earn rate from Cebu Pacific when you use your card to pay. Earn 1 Go Rewards point for every Php20 spent
• Points are automatically credited to your Go Rewards account

Travel Insurance:

• Not mentioned on the website

Lounge Access:

• Not mentioned on the website

Other Benefits:

• Early alerts to Cebu Pacific Seat Sales plus exclusive sales

Membership Fee:

• P3000/Year for the Principal Card

Click here to learn more about Cebu Pacific Gold Credit Card

Cebu Pacific Platinum Credit Card by Unionbank

If you will qualify for the higher-tiered card which is the Cebu Pacific Platinum Credit Card, then opt for that instead in order to get more benefits.

Please note though that since this card is a level higher than the Gold, then the annual fee is of course a bit more expensive.

Cebu Pacific Platinum Credit Card Benefits at a Glance:

Miles Accrual:

• Earn 1 Go Rewards Point for every P200 Spend
• Earn 1 Go Rewards Point for every P100 Cebu Pacific Spend
• Enjoy preferential earn rate from Cebu Pacific when you use your card to pay. Earn 1 Go Rewards point for every Php20 spent
• Points are automatically credited to your Go Rewards account

Travel Insurance:

• Free travel insurance of up to Php10,000,000

Lounge Access:

• Complimentary access to Pacific Club Lounge at NAIA Terminal 3

Other Benefits:

• Early alerts to Cebu Pacific Seat Sales plus exclusive sales

Membership Fee:

• P5000/Year for the Principal Card

Click here to learn more about Cebu Pacific Platinum Credit Card

PNB Mabuhay Miles Platinum Mastercard

If Philippine Airlines (PAL) is the airline of your choice then consider getting this card instead. Philippine Airlines is known as the flag carrier of the Philippines and it’s one of the most popular choices of airline among locals. It serves a lot of direct routes to international destinations that are frequent by both Filipino tourists and Overseas Filipino Workers.

PNB Mabuhay Miles Platinum Mastercard Benefits at a Glance:

Miles Accrual:

• Free 2,000 PAL Mabuhay Miles welcome gift when you activate your card (for new and first-time PNB PAL Mabuhay Miles principal cardholder)
• Earn 1 Point for every P60 Spend (1 Point = 1 Mile) Redemption is made in blocks of 2000 Points
• Additional Free 10000 Mabuhay Miles upon reaching P100K worth of transactions at PAL (for first time PNB Mabuhay Miles Mastercard Cardholder)

Travel Insurance:

• Free Travel Insurance of up to 3M

Lounge Access:

• Not mentioned on its website as of the time of writing

Other Benefits:

• Free Purchase Protection Insurance of up to 250K (for first time PNB Mabuhay Miles Mastercard Cardholder)
• Exclusive 5% Discount on select PAL international flights when you book online via www.philippineairlines.com

Membership Fee:

• P3000/Year for the Principal Card or redeem 12,000 Rewards Points to pay for the Annual Fee

Click here to learn more about PNB Mabuhay Miles Platinum Mastercard

 

PNB Mabuhay Miles World Mastercard

If Philippine Airlines (PAL) is the airline of your choice and the Platinum Mastercard benefits do not suit you, then consider getting the World Mastercard instead. Please do take note that the annual fee for the World Mastercard is significantly higher than the Platinum Mastercard. For high-net-worth individuals, this is one of the best airline co-branded credit cards available in the Philippines.

PNB Mabuhay Miles World Mastercard Benefits at a Glance:

Miles Accrual:

• Free 2,000 PAL Mabuhay Miles welcome gift when you activate your card (for new and first-time PNB PAL Mabuhay Miles principal cardholder)
• Low Point to Mile Ratio based on TRB Tiered System
• Additional Free 10,000 Mabuhay Miles upon reaching P100K worth of transactions at PAL (for first time PNB Mabuhay Miles Mastercard Cardholder)

Travel Insurance:

• Free Travel Insurance of up to 10M

Lounge Access:

• Not mentioned on its website as of the time of writing

Other Benefits:

• Priority Check-in at PAL Business Centers at Terminal 1, 2 & 3
• Free Purchase Protection Insurance of up to 250K (for first time PNB Mabuhay Miles Mastercard Cardholder)
• Exclusive 5% Discount on select PAL international flights when you book online via www.philippineairlines.com

Membership Fee:

• P6000/Year for the Principal Card

Click here to learn more about PNB Mabuhay Miles World Mastercard

EastWest Singapore Airlines KrisFlyer Platinum Mastercard

If you frequently fly using Singapore Airlines then this is definitely the card to get. 

EastWest Singapore Airlines KrisFlyer Platinum Mastercard benefits at a glance:

Miles Accrual:

• 3 KrisFlyers for every P45 Spend on Singapore Airlines, SilkAir, Scoot & KrisShop spend and International/cross-border, hotel, travel agency, airline, online & international cash advance
• 1 KrisFlyer for every P45 Local Spend
• 3,000 KrisFlyer miles for Php100,000 spend within 3 months from the card activation date (For new card applications only)
• 5,000 KrisFlyer miles for Php100,000 spend within 12 months from card approval date

Travel Insurance:

• Free Comprehensive Travel Insurance of up to P20 Million

Lounge Access:

• Priority Pass membership, inclusive of two (2) complimentary access for you and your guest per year

Other Benefits:

• Access to Mastercard Travel and Lifestyle Service
• Flight Delay Pass 

Membership Fee:

• P4000/Year for the Principal Card
• Free for life for the 1st Supplementary

Click here to learn more about EastWest Singapore Airlines KrisFlyer Platinum Mastercard

 

EastWest Singapore Airlines KrisFlyer World Mastercard

If you frequently fly using Singapore Airlines then this is definitely the card to get and if you feel that the Platinum Mastercard set of perks and benefits do not suit your needs, then consider getting the World Mastercard instead.

EastWest Singapore Airlines KrisFlyer World Mastercard benefits at a glance:

Miles Accrual:

• 3 KrisFlyers for every P36 Spend on Singapore Airlines, SilkAir, Scoot & KrisShop spend and International/cross-border, hotel, travel agency, airline, online & international cash advance
• 1 KrisFlyer for every P36 Local Spend
• 6,000 KrisFlyer miles for Php200,000 spend within 3 months from the card activation date (For new card applications only)
• 15,000 KrisFlyer miles for Php100,000 spend within 12 months from card approval date

Travel Insurance:

• Free Comprehensive Travel Insurance of up to P20 Million

Lounge Access:

• Up to four (4) complimentary access for you and your guest per year to over 1,100 lounges in over 500 airports worldwide (130+ countries), regardless of your airline, frequent flyer membership, or ticket class held via Mastercard Airport Experiences provided by LoungeKey (MCAE)

Other Benefits:

• Access to Mastercard Travel and Lifestyle Service
• Flight Delay Pass 

Membership Fee:

• P5000/Year for the Principal Card
• Free for life for the 1st Supplementary

Click here to learn more about EastWest Singapore Airlines KrisFlyer World Mastercard

Cathay Pacific American Express^® Credit Card

If your airline of choice is Cathay Pacific(and/or airlines from One World Alliance) then this card is for you. This card is only issued in the Philippines by BDO.

Cathay Pacific American Express^® Credit Card benefits at a glance:

Miles Accrual:

• 1 Mile for every P42 Local and Overseas Spend
• 2 Miles for every P42 Cathay Pacific Flight Booking Spend
• Earn 1,500 Bonus Asia Miles with your very first purchase and upon membership anniversary when you spend at least P300,000 per annum

Travel Insurance:

• Travel Accident Insurance* with coverage of up to P10 million
• Coverage of up to P200,000 Travel Inconvenience Protection
• Accident Medical Expense with coverage of up to P50,000 per family

Lounge Access:

• First-year enrolment fee waiver for Green tier membership of Marco Polo Club (see bank website for full details)

Other Benefits:

• Asia Miles Exclusive Privileges
• Purchase Protection
• American Express Selects^®

Membership Fee:

• AMF waived for the 1st Year
• P200/Month for the Principal Card

Click here to learn more about Cathay Pacific American Express® Credit Card 

Cathay Pacific American Express^® Elite Credit Card

If your airline of choice is Cathay Pacific(and/or airlines from One World Alliance) and if the set of benefits of the standard version does not suit your needs, then consider getting this one instead.

Cathay Pacific American Express^® Elite Credit Card benefits at a glance:

Miles Accrual:

• 1 Mile for every P38 Local Spend
• 2 Miles for every P50 Overseas Spend
• Earn 2 Miles for every P38 Cathay Pacific Flight Booking Spend
• 3,000 Bonus Asia Miles with your very first purchase and upon membership anniversary when you spend at least P600,000 per annum

Travel Insurance:

• Travel Accident Insurance* with coverage of up to P15 million
• Coverage of up to P200,000 Travel Inconvenience Protection
• Accident Medical Expense with coverage of up to P80,000 per family

Lounge Access:

• First-year enrolment fee waiver for Green tier membership of Marco Polo Club (see bank website for full details)

Other Benefits:

• Asia Miles Exclusive Privileges
• Purchase Protection
• American Express Selects^®

Membership Fee:

• AMF waived for the 1st Year
• P5000/Year for the Principal Card

Click here to learn more about Cathay Pacific American Express® Elite Credit Card 

Note: Post Reviewed and Updated January 26, 2022

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Do you know of any other airline co-branded credit cards available in the Philippines? Do you own one? Feel free to share your tips and recommendations in the comment section below.