Black cards in the Philippines come with exclusive benefits. Some credit cards provide travel insurance and free airport lounge access; others offer 0% installment programs and shopping vouchers; still others come equipped with Mastercard e-Commerce Purchase Protection.
Black cards are typically limited to those who possess both exceptional creditworthiness and spending power – https://philippinesguides.com/common/black-card-philippines-the-ultimate-guide-for-elite-credit-cards/, making them eligible for one. Read on to gain more knowledge of these cards.
HSBC Platinum Visa Rebate
The HSBC Platinum Visa Rebate credit card is the perfect card for affluent Filipinos, offering premium benefits like zero annual fee, cashback rewards, 0% interest on balance transfer and purchases, free Purchase Protect insurance coverage and Apple Pay integration for ease of payments and secure payments. Furthermore, travellers will benefit from up to P10 million travel insurance coverage!
In addition to its impressive benefits, HSBC Platinum Visa Rebate stands out from its competition by offering several other valuable services that set it apart. Customers can turn expensive items like appliances and gadgets into affordable 0% interest installments that can easily be paid back with online banking; additionally there are extra savings and special discounts in over 6500 participating shopping outlets; in addition HSBC Platinum Visa Rebate supports philanthropy by donating 1% of cardholder balances directly to charitable organisations.
The HSBC Premier Mastercard is another popular black credit card in the Philippines, offering clients exclusive privileges such as unlimited lounge access and travel insurance coverage. Furthermore, bonus points earned at an accelerated rate than other cards can only apply towards spending up to the specified monthly maximum limit amount – any expenditure beyond this point will generate regular bonus point earnings at 1 point for every P25 spend.
This credit card is an ideal solution for travellers and shoppers who seek the advantages of black cards without their high fees and spending requirements. As it’s co-branded with budget airline AirAsia, each purchase earns AirAsia miles while it also offers high cashback on local dining, groceries and fuel purchases as well as 5% rebates on purchases of this kind.
This card also comes equipped with premium benefits that include complimentary airport lounge access and superior customer service, making it a smart choice for frequent flyers to and from the Philippines, helping save money on airfare costs while offering other advantages such as low foreign exchange rates and an ATM withdrawal limit of up to US$3,000.
Security Bank World Mastercard
The Security Bank World Mastercard offers world-class benefits that complement your lifestyle. Take advantage of exclusive offers and discounts at participating restaurants, travel providers and shopping partners as well as VIP experiences like Destination Limo and Mastercard Epicurean Experiences. It also boasts a high spending limit with non-expiring Rewards Points you can redeem for cash, air miles or gift vouchers; not forgetting its key features such as secure online transactions and international purchase protection!
This card comes with an annual fee of P25,000 that is waived during its inaugural year, offering you access to up to P500,000 credit line and up to P20,000 monthly spending limit, making it an excellent option for paying expensive items or regular expenses such as utility bills online or via mail orders or telephone orders. However, please keep in mind that any rebates earned with this card only cover items purchased within Philippine pesos; items charged directly onto additional cards do not qualify.
This particular black card is tailored for frequent travelers. It offers access to airport lounges and priority check-in at Philippine Airlines’ business class counters; booking airfare through their website; as well as low mile conversion rates and travel insurance coverage of up to P10 million.
Security Bank offers an assortment of credit cards tailored specifically to different purposes. The Gold MasterCard, for instance, can help those who shop frequently and hope to accumulate rewards points quickly while the Platinum Mastercard makes for great travel companions during business or vacation travels.
Applying for a Security Bank credit card online is quick, easy, and straightforward – the application can even take less than 10 minutes to complete! Your savings account funds secure the card so there’s no risk of it going anywhere – plus, your card could arrive as soon as three days from now!
UnionBank Miles+
UnionBank Miles+ is a premium credit card that comes equipped with premium travel, dining, and lifestyle perks. Offering up to P10 million in credit limit with complimentary travel insurance coverage; earning rewards points at a rate of one point for every P30 spent and luxurious dining deals from participating restaurants; fuelling up at gas stations grants 5% rebate; plus you have access to premium concierge, travel, and lifestyle services available at over 1000 airport lounges worldwide and 10,000 hotels globally!
When selecting a black card, it is essential to carefully consider its rewards and features. If you frequently fly, a credit card with an attractive mileage program and benefits may be ideal; various options exist on the market, including BPI cards that provide up to 2X miles on shopping and dining expenses, AmEx cards that allow instant Asia Mile accumulation, and Citibank PremierMiles cards which offer twice-annual free global airport lounge access.
Not only do some black cards offer generous mileage programs, they may also come equipped with additional premium perks and benefits. For instance, the Bank of Commerce World Mastercard features up to US$100 worth of privileges for every stay at a participating hotel or resort; priority check-in and out; free room upgrades; late checkouts are all part of its offering; furthermore it boasts an incredible low conversion rate of P20 spend = 1 reward point!
There are various kinds of black credit cards, each offering its own set of benefits and features. To make an informed decision about which card best meets your needs, it’s essential that you understand their differences and how they operate. In this article, we will review some of the most popular cards in the Philippines, covering their features like benefits, fees/charges/other key factors that help find you your ideal black card based on personal needs – in addition to offering tips for increasing earning potential with one!
HSBC Premier Mastercard
HSBC Premier Mastercard is one of the best black credit cards for travel rewards, providing a sign-up bonus of 35,000 points and earning two points per dollar on travel purchases and one point on all other purchases. Furthermore, this card features an introductory APR of 0% for 18 months on purchases and balance transfers; expedited airport security screening through TSA Precheck as well as statement credits of $85 every five years to reimburse application fees.
This black card is ideal for business travelers and wealthy families. With its rewards program offering free flights and luxury benefits, such as hotels and rental car purchases. Plus you’ll enjoy discounts at popular shopping and dining outlets and access to airport lounges – making this card truly multipurpose!
With this card, you can earn more rewards points, as it allows you to transfer them across airlines. Plus, its low mile conversion rate (1 point to 1 mile) gives you priority check-in at PAL Business Class counters, exclusive HSBC online and local shopping discounts as well as 24-hour concierge services – perfect for earning even more rewards points!
HSBC’s black credit cards come with many advantageous features and there are multiple options to select from, some even providing welcome bonuses and annual fee waivers. You can learn more by visiting their website.
To qualify for a black card, certain criteria must be fulfilled, including having both high income and excellent credit scores. Each credit card issuer may set its eligibility requirements differently but there are ways you can increase your chances of approval – read up on Black Card Philippines reviews before applying for any new cards to determine which might suit best! Robert Burgess trading as Head for Points is an independent journalist – not financial advisor!
