A credit card makes a handy travel companion. It’s become almost a financial must-have for those who often find themselves jet-setting from one place to another. A credit card is safer to carry as compared to cash, not to mention a globally accepted method of payment. A credit card can also offer travel perks and other privileges that make traveling all the more rewarding.
If you’re looking to appy for a credit card to be used on your traveling adventures—or if you’d like to get the best credit card so you could earn air miles and be able to travel more—here’s a list of the top credit card picks among Pinoys:
Travel Perk # 1: Free travel insurance
Travel insurance could be quite costly, but it’s extremely necessary for your protection and peace of mind whenever you go on a holiday or business trip. Fortunately, there are credit cards in the Philippines that offer travel insurance coverage along with rewards packages. They include:
- Mabuhay Miles from Philippine Airlines, in partnership with Philippine National Bank (PNB), has the Mabuhay Miles World MasterCard. When you use this card to buy a plane ticket, you will get afree travel insurance coverage of up to PHP 10 million. The coverage includes lost luggage, flight delays, and more. On top of this feature, the credit card offers a low point-to-mile conversion rate of PHP 33 per mile. For those who often travel abroad, Mabuhay Miles card has dual currency flexibility where the cardholders gets a separate Peso and Dollar billing for local and international transactions.
- Standard Chartered VISA Infinite Credit Card offers free travel accident insurance and inconvenience protection of up to PHP 20 million for overseas travel. You may also earn free flights faster, by one air mile for every PHP 40 spent. This VISA card provides complimentary access to over 600 airport lounges around the world.
- EastWest Visa or MasterCard Gold cardholders can enjoy up to PHP 20 million worth of travel and inconvenience insurance. This is effective while boarding a scheduled flight or common carrier. Every PHP 100 charged to this card allows the cardholder to earn one reward point. The reward points can be converted to Philippine Airlines Mabuhay Miles at a rate of 10,910 points for 3,000 Mabuhay Miles, or 3,640 points for 1,000 Mabuhay Miles.
Travel Perk #2: Free plane ticket
You know how expensive booking plane tickets can be. Most of us grab the chance to avail of sales and promos whenever they come up, to get discounts. But with some credit cards, you can have the opportunity to get free plane tickets with frequent use of your card.
UnionBank OmniPass Card, for instance, allows you to redeem accumulated points for a free plane ticket from your airline of choice, including Cebu Pacific, Philippine Airlines, or SeaAir via CNM travel. As an added benefit, you can also redeem points for Petron Value Cards, worth PHP 500, PHP 800, or PHP 1,000.
Travel Perk #3: Allows you to reserve travel packages
UnionBank Miles + Platinum Card offers almost the same perks as OmniPass, but the difference between the two is that air miles for the Miles + Platinum Card can be used to get a ticket on the airline of choice—without blackout dates and no redemption fees. You can also use the card to book a hotel / resort or avail of customised travel packages and tours. For every PHP 25 charged from your card, you earn one mile and one reward point.
Where to apply for a travel credit card?
Aside from the ones mentioned above, there are some other credit cards available offering exciting rewards and travel perks. Consider these benefits when choosing a travel rewards credit card to suit your travel needs and lifestyle.
Continue with your search with the help of credit card travel rewards comparison sites, where you can compare credit cards, providers, annual membership fees, and other features side by side. Customize your search and get instant results.
With the right travel rewards cards, you can get many other perks such as access to VIP airport lounges around the world, plane ticket and hotel room booking discounts, and a worry-free travel adventure from having free insurance coverage, and so much more!
Disclaimer: This contribution is exclusively written for jeniferbalatico.blogspot.com by MoneyMax.ph, the Philippines’ leading financial comparison portal which helps Filipino consumers make the right financial decisions as they settle on the best credit card, home loan, broadband plan, and more—fast, comprehensive, and free. Please do check their website to learn more.