• Min. Monthly Income

    ₱10,000

  • Interest Rate

    3.25% /month

  • Annual Fee

    ₱1,440

Feature Highlights
  • The card that is flexible to your needs, giving the extra boost to manage your finances and more value to your spending.
Shopping
4/10
Insurance
3/10
Gas
4/10
Travel
4/10
Dining
4/10
Groceries
4/10

Shopping

  • Earn 1 point for every ₱25 spend

Insurance

  • CreditSafe pays the bank an amount equal to 3x your China Bank card’s indebtedness up to a maximum benefit of ₱600,000.00 in case of loss of life, permanent disablement or first diagnosis of covered critical illnesses.

Gas

  • Earn 1 point for every ₱25 spend

Travel

  • Earn 1 point for every ₱25 spend

Dining

  • Earn 1 point for every ₱25 spend

Groceries

  • Earn 1 point for every ₱25 spend

Other Features

  • EMV

    • Your China Bank MasterCard is EMV-compliant for enhanced protection against credit card fraud, giving you more peace of mind in every swipe.

  • MasterCard :Paypass

    • Your transactions are as easy as Tap and Go with the MasterCard PayPass contactless payment technology.

  • Global Acceptance

    • Your China Bank MasterCard is accepted in over 22 million locations worldwide, such as retail outlets, ATMs, and online shopping sites, where you see the MasterCard logo.

  • Mastercard Global Services

    • Get emergency assistance on lost, stolen card reporting, emergency card replacement and cash advance, or even locating the nearest ATM, virtually anytime, anywhere and in any language using MasterCard Global Service Toll-Free numbers in the country where you are currently in.

  • Unlimited Number of Supplementary Card

    • There is no limit to how many supplementary cards you want to enroll.

Card Information

Annual fee ₱1,440
Min. monthly income ₱10,000
Min. age for principal holder

21-65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱600.00
Finance charges 3.25% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00

Sales Slip Retrieval Fee

₱400.00

Late payment charge

₱300.00 or 7% of outstanding amount, whichever is higher

Cash advance amount

May vary from time to time

Cash advance charge

N/A

Cash advance interest charge

N/A

Cashback limit

N/A

Rewards points expiry

No Expiration

Product Review by iMoney Philippines

Everyday “Go-To” Card

Chinabank Prime Credit Card is your practical, everyday card that helps you easily manage your finances while giving more value to your spending. Take advantage of its flexibility, as you enjoy the benefits, discounts, and promotions available to cardholders all year.

Fees and Charges of Chinabank Prime Credit Card

Chinabank requires a joining fee of ₱1,200 for the principal cardholder and ₱600 for the supplementary cardholder. The annual membership fee will be ₱1,440 for principal cardholders and ₱600 for supplementary cardholders. Finance charge is 3.25% per month and late payment fee is 7% of the minimum amount due or 300, whichever is higher.

Are you eligible for a Chinabank Prime Credit Card?

To apply, one of the requirements is to have a low, minimum monthly salary of just ₱10,000 for principal cardholders. You also have to be between 21-65 years of age. For the supplementary cardholder, you need to be at least 13 years of age.

Still not satisfied? Here are other options as recommended by our team, AUB Easy Credit Card and BDO Shopmore Credit Card, both have similar features that you may find relevant in choosing the right card.

Find out relevant details about Chinabank credit card online application such as requirements, benefits, and privileges that could help you decide which card would be the best one for you.