Credit card · Mastercard · Rewards
Chinabank Prime Mastercard
by China Banking Corporation (Chinabank)
Quick take
Main benefit
Simple Chinabank points. You earn 1 Rewards Point per Php 30 qualified spend with a lower regular yearly fee than Chinabank Platinum.
Main catch
The yearly fee returns after the first year (₱1,500) unless the bank waives it.
Income needed
₱20,833/mo The bank does the final check.
Annual fee
₱1,500/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 a simple Chinabank points card with a lower regular yearly fee.
- You meet Chinabank's Php 250,000 gross annual income requirement.
- You already hold another principal credit card for at least 12 months.
- You pay your balance in full each month to avoid interest.
- You want cashback or miles as the main reward.
- You want fuel rebate, travel insurance, or premium Mastercard benefits.
- You often spend in foreign currency and want a lower foreign-card fee than 2.50%.
- You are applying for your first credit card.
The numbers
›More fees and details
The catch
- The yearly fee returns after the first year (₱1,500) 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.