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Chinabank @home Visa Platinum
by China Banking Corporation (Chinabank)
Visa networkCashback card
Quick take
Main benefit
Cash back. You earn money back on what you spend — no points to convert.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
₱20,833/mo The bank does the final check.
Annual fee
₱3,000/yr
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You want simple rewards without tracking categories.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You'd rather earn travel points or airline miles.
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
Earn ratepercent cashback on online purchases
Annual fee₱3,000/yr
Interest if unpaid3.00% / month
Late payment fee₱750
Foreign currency markup2.50%
›More fees and details
Cash advance fee₱200
Over-limit fee₱500
Effective annual interestStill being checked with the bank
Fee waiverStill being checked with the bank
The catch
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on China Banking Corporation (Chinabank)'s official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out China Banking Corporation (Chinabank)'s application form.
From China Banking Corporation (Chinabank)'s official page · Checked May 27, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.