• Min. Monthly Income

    ₱83,333

  • Interest Rate

    3% /month

  • Annual Fee

    ₱5,000

Feature Highlights
  • The card that takes luxury to a whole new level.
Shopping
4/10
Insurance
3/10
Dining
4/10
Travel
4/10
Groceries
4/10
Gas
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.

Dining

  • Earn 1 point for every ₱25 spend

Travel

  • Earn 1 point for every ₱25 spend

Groceries

  • Earn 1 point for every ₱25 spend

Gas

  • 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 ₱5,000
Min. monthly income ₱83,333
Min. age for principal holder

21-65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱2,500.00
Finance charges 3.00% 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

A Lifestyle of Luxury

With this total luxury card, Chinabank World Credit Card gets you access to a wide array of highly exclusive benefits, events, and promotions all-year round. Enjoy VIP lounges, global perks, and access to a personal concierge that guarantees a new standard of having a luxurious experience.

Fees and Charges of Chinabank World Credit Card

The joining fee is ₱3,500 for principal cardholders and ₱1,500 for supplementary cardholders. Annual membership fee is ₱5,000 for the principal cardholder and ₱1,500 for the supplementary cardholder. Finance charge is 3% per month, and late payment charge is 7% of the minimum amount due or ₱300, whichever is higher.

Are you eligible for a Chinabank World Credit Card?

To become a principal cardholder, you have to be 21-65 years of age and have a monthly income of at least ₱84,000. Supplementary cardholders should be at least 13 years old.

If you still plan on looking for other options, here are some of our recommendations: Maybank Platinum Credit Card and EastWest Bank Platinum Credit Card have similar features that might interest you.

Still not convinced? We advise you to check out more Chinabank credit cards and compare which one matches your requirements.