National and international health restrictions have been loosened, enabling people to travel for recreation and employment again. It’s helpful to keep a credit card on hand whilst vacationing and making travel reservations. It streamlines your buying experience and provides some security against theft. As you use a credit card, you may also earn air miles and other benefits such as travel discounts, meal offers, cashback, gift vouchers, and exclusive lounge access. Let’s get into the best credit cards in the Philippines with exclusive lounge access!
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What is an Exclusive Lounge Access?
These spaces are areas that people can access only in exceptional circumstances. Lounges are common in the hospitality, entertainment, and airline industries, and they are far more pleasant than waiting spaces. Travelers can enter airport lounges by presenting a valid credit card while waiting for their trip.
What is a Frequent Flier?
A frequent flyer, particularly one who flies with the same airline and is a member of the company’s club, offers unique benefits including complimentary flights and private lounge access.
The Top 10 Travel Credit Cards
BPI Platinum
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If you currently have a BPI Platinum, you can use the Pacific Club at NAIA Terminal 3 as a lounge. The primary or supplemental cardholder has the opportunity to bring one visitor or travel companion. A discount of $20 USD will be given to the cardholder for more than one visitor. Children aged 2 and under are admitted free of charge.
Benefits
- Free travel insurance up to Php 10 million
- Access to over 1,300 airport lounges worldwide
- Complimentary Priority Pass membership
- Get up to 4 free lounge passes yearly
- Protect your purchases against theft and accidental damage for up to 180 days
BDO Titanium Mastercard
![](https://business.shoppable.ph/company/wp-content/uploads/2023/08/Credit_Card_Philippines_Titanium.png)
Cardholders of the BDO Diamond Rewards or Titanium Mastercard receive six complimentary airport lounge visits. If the cardholder takes a partner to Marhaba Lounge, the number of complimentary airport lounge visits is reduced by one. Using your Digital Membership Card, you may have quick access to any of the 1,300+ lounges in over 148 countries.
Benefits
- Exclusive Lounge Access
- Exclusive Hotel Deals
- Dual Currency Billing Option
- Free Membership for Life
- Flexible/High Credit Limit
- Safety and Security Features
- Credit Card Peso Rewards
Metrobank Travel Platinum Card
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In case you’re looking to accumulate airline points quickly, consider Metrobank’s Travel Platinum Card. With this credit card, you can get one mile for every P17 spent on airfare, lodging, and foreign currency purchases, as well as one mile per P50 spent on other items. It also includes complimentary airport lounge access and a supplemental card, as well as various incentives and benefits like electronic gift cards and eating and retail coupons.
In order to be qualified for the Travel Platinum Card, you must be between the ages of 18 and 70, possess a minimum gross annual salary of P700,000, and have worked as a full-time worker for not less than six months or as a primary cardholder with another lender lasting a period of not less than nine months.
Benefits
- Worldwide access to over 950 airport lounges
- VIP concierge service is available 24 hours a day, seven days a week.
- Travel accident insurance coverage of up to $5 million
- 1 mile for every 17 spent abroad and on airfares and hotels
Citi PremierMiles Mastercard
![](https://business.shoppable.ph/company/wp-content/uploads/2023/08/Credit_Card_Philippines_Citibank-1024x546.jpg)
This credit card gives you access to the Marhaba Airport Lounges at NAIA Terminals 1 and 3. Every calendar year, their DragonPass (Citi’s premier airline care partner) subscription includes two complimentary lounge tickets.
Members may also earn complimentary airfare and stay in accommodations from 60 various airlines and 8,000 hotels around the world. Furthermore, customers receive VIP lounge access at chosen lounges in the United States and overseas with a complimentary DragonPass subscription, which enables you to take advantage of two free visits for each subscription.
Benefits
- Never-expiring miles
- VIP Lounge Access at select lounges here and abroad
- Free DragonPass Membership with two complimentary visits per membership year
- 1 PremierMile for every PHP30 spend
- Up to PHP 1 million in insurance coverage when you charge your travel tickets to Citi PremierMiles
- Free 30-Day Purchase Protection
Security Bank Platinum Mastercard
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Do you want complimentary insurance for traveling as well as entry to airport lounges all around the world? It could be worthwhile to look into Security Bank’s Platinum Mastercard! With its LoungeKey program, this credit card provides you with two free visits to numerous airport lounges around the globe each year; merely present your Platinum Mastercard and you’re ready to go.
The card also provides accident insurance if you buy travel tickets using it, as well as special reward incentives from participating retailers worldwide, US$200 in eCommerce shopping coverage, and unrestricted access to the Ninoy Aquino International Airport’s Marhaba Lounge at Terminals 1 and 3.
Benefits
- Two complimentary lounge access annually (for cardholders and guests combined) in more than 1,000 lounges in 500 airports worldwide.
- Unlimited access to the Sky View Lounge (NAIA Terminal 3)
- Dual Currency Billing
- Up to US$200 coverage with Mastercard E-Commerce Purchase Protection when you shop online
- Free Travel Insurance
UnionBank Cebu Pacific Gold Credit Card
![](https://business.shoppable.ph/company/wp-content/uploads/2023/08/Credit_Card_Philippines_UnionBank.png)
Should you be interested in obtaining points for rewards that can be used for complimentary airfare, airport lounge access, and discounts, you’d be enthused to obtain this card. With this credit card, you can get one Go Rewards point for every P200 spent at establishments such as petrol stations, eCommerce purchases, pharmacies, and grocery stores, among others as well, one Go Rewards point for each P100 you spend in Cebu Pacific, with one Go Rewards point equal to P1.
Benefits
- Exclusive access to Go Rewards and Cebu Pacific sale events
- Earn 1 Go Rewards point for every Php200 spent
- Earn 1 Go Rewards point for every Php100 spent in Cebu Pacific
- Automatic points crediting
EastWest Priority Visa Infinite
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With a perpetual waiver of the Annual Membership Fees for your primary and supplemental EastWest Priority Visa Infinite credit cards, you may enjoy lifelong advantages. Enjoy up to four free visits each year if you achieve the Total Relationship Balance requirements. Priority Pass memberships are accepted in over 1,200 airport lounges in over 140 countries and 500 locations. Simply produce your Priority Pass card at a qualified airline lounge.
The EastWest Priority Visa Infinite card also includes two free visits to the NAIA Terminal 3 Sky View lounge every year. At the lounge door, simply display your EastWest Priority Visa Infinite credit card and a valid government-issued ID.
Benefits
- 2 Complimentary access per year to the Marhaba Lounge
- Low foreign currency conversion fee of 1.70%
- Access to over 1,300 Airport Lounges around the world
- Perpetual waiver of the Annual Membership Fees
- Enjoy upgrades and VIP privileges at over 900 luxury properties around the world
RCBC World Mastercard
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This card entitles you to unique travel, retail, and eating discounts. You can also acquire a free Priority PassTM membership. Earn flexible, non-expiring Rewards Points that may be redeemed for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC account, or a charity donation.
Benefits
- Free Travel Insurance up to Php1,000,000
- Purchase Protection when you charge all your international travel-related needs to your card
- Unlimited free access to PAGSS Lounge in Terminals 1 & 3 for the Principal cardholder plus one travel companion
- Complimentary Priority Pass™ membership
- Worldwide coverage of up to US$200 for international and local purchases with Mastercard eCommerce Purchase Protection
AUB Platinum Mastercard
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Like other cards, this one also offers exclusive access to airport lounges. The AUB Platinum Mastercard offers compelling deals for its clients, from food and beverage vouchers to complimentary flights and upgrades through Philippine Airlines. Using this card also allows you to securely manage your finances through the online banking technology of AUB.
Benefits
- Free flights & service class upgrades on Philippine Airlines
- Complimentary Airport Lounge Access
- SecureCode Technology
- Link to PayPal
- Rewards and Points
- Online Banking
American ®️ Express Platinum Credit Card
![](https://business.shoppable.ph/company/wp-content/uploads/2023/08/Credit_Card_Philippines_BDO.png)
The American Express Platinum card is another credit card that provides complimentary entry to several lounges at airports in the Philippines and other countries. This card also allows you to use the Skyview Lounge at NAIA Terminal 3 and the Miascor Lounge at Clark International Airport free of charge.
Priority Pass Select also grants you access to other lounges throughout the world. Whether you’re visiting for business or pleasure, there are over 1,200 airport lounges in various places where you may work, rest, dine, or drink.
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Traveling does not have to be a stressful experience. Even though airports are constantly congested and crowded, you may stay cool and comfortable by taking advantage of the lounge access perks provided by these credit cards. On top of all these travel perks, you can also enjoy the benefits they offer exclusively to their clients. Some of these benefits range from eCommerce shopping to food vouchers. So, which one do you believe has the finest benefits and the most number of airport lounge access?