Credit card · Mastercard · Rewards
Chinabank Platinum Mastercard
by China Banking Corporation (Chinabank)
Quick take
Main benefit
Points plus fuel rebate. You earn Chinabank Rewards Points and can use the listed 5% local fuel rebate if your fuel spend fits the caps.
Main catch
The yearly fee returns after the first year (₱3,500) unless the bank waives it.
Income needed
₱20,833/mo The bank does the final check.
Annual fee
₱3,500/yr Waived for the first year.
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?
- You want Chinabank points plus a local fuel rebate.
- You meet Chinabank's Php 250,000 gross annual income requirement.
- You can use Platinum travel insurance or dining privileges.
- You pay your balance in full each month to avoid interest.
- You want a lower regular yearly fee than Php 3,500.
- Your fuel spend is low or often exceeds the rebate caps.
- You want a dedicated miles card instead of regular rewards points.
- You are applying for your first credit card.
The numbers
›More fees and details
The catch
- The yearly fee returns after the first year (₱3,500) unless the bank waives it.
- 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.
›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.
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.