COMMUNITY NOTICE: If you are having trouble in your account access, please do send us a message at [email protected] for assistance.

💳 Best Cards for Travel & Leisure Rewards 😉 | Frequent Flyer Program (FFP)

12346

Comments

  • This discussion was created from comments split from: BKD Bankard [RCBC] (Sinulid 4) | FAQs p.1-3.
  • akoposipongakoposipong PEx Rookie ⭐
    gibsonfan said:
    mainit-init pa! 

    EastWest just partnered with Singapore Airlines for a co-branded card. 3 miles per 36 spent, 20 Million insurance, 1.70% forex transaction fees and 6000 KrisFlyer miles with 200k spending on first 3 months. 
    Thanks for the news!

    Here is the card page:


    https://i.imgur.com/IG4ns2R.jpg

    Comes out to:

    15 PHP per mile on foreign spend + travel-related spend (hotels, airlines, etc). Ang ganda ng rate - talo pa Citi Prestige at 18 PHP/mile sa foreign denominated spend. 

    Local rate is 45PHP per miles which is ok lang, middle of the road (same as Amex Plat, for example). 

    Bonus miles is 8k for 200k in a year. Lounge access at 2/year via Priority Pass. I wish they added the Singapore Air lounge sa NAIA T3 kahit na for Singapore Air flights lang. 

    AF is 4k. 

    This should give cards like Citi Premiermiles a scare - EWB trumps it by having much better forex rate and the 100% better miles earn rate on travel and foreign spend (33 vs 15). The lower 45 php local rate should be offset by the higher foreign rate if you use it for travel a lot (which you probably would if you're looking at this card). 

    Downside? Not clear yet sa site - pero since Krisflyer miles expire and I'm not sure if these miles earned are transferred directly to your Krisflyer account (ala BPI Delta Skymiles cc) or into your cc account lang (no expiry in this case), baka mapilitan ka magredeem agad. I know some people like hoarding all their non-expiring miles/points muna before spending on a great deal sa redemption. 

    Overall thoughts - Not bad EWB! Didn't know someone could still come out with a good travel card pa rin - most banks just come out with mediocre rewards cards and cashback cards these days. 

    I personally will stick to my combo of Citi Prestige/Amex Plat for all my miles since that dining/shopping bonus is too good. 
    panalo sana sa P15 per mile sa related travel spend tpos mababa pa ang foreign transaction fee. 

    Auto transfer ang miles sa krisflyer account like delta skymiles ni bpi kaya di maganda dahil na eexpire ang miles. Ok sana kung manual transfer.

  • hsusonhsuson Member PEx Influencer ⭐⭐⭐
    ^WOW low spend rate for miles
  • kingleonard4kingleonard4 PEx Rookie ⭐
    Hello Pexers!

    ask ko lang okay ba ang miles ng Amex Cathay Pacific Standard? Once or twice a year lang ako nag tra2vel. Thanks
  • newbie888newbie888 PEx Veteran ⭐⭐
    edited October 2019
    sa mga may international travels na hindi biz class :) 

    new promo ng MCC travel visa platinum :)



  • alienmanalienman Expert PEx Veteran ⭐⭐
    newbie888 said:
    sa mga may international travels na hindi biz class :) 

    new promo ng MCC travel visa platinum :)



    itong lounge access ang dapat i keep ng Mcc Travel Plat kasi nga travel card sya
    e ang RCBC at AUB Platinum cards nga lahat may free lounge access
  • kingleonard4kingleonard4 PEx Rookie ⭐
    Hello Pexers!

    ask ko lang okay ba ang miles ng Amex Cathay Pacific Standard? Once or twice a year lang ako nag tra2vel. Thanks
      Miles conversion pala and nag eexipred ba?
  • pexplopexplo PEx Rookie ⭐

    For those with other CCs: where do you place HSBC in your swiping hierarchy?

    I place it last. Please change my mind. :)

  • pexplopexplo PEx Rookie ⭐
    pexplo said:

    For those with other CCs: where do you place HSBC in your swiping hierarchy?

    I place it last. Please change my mind. :)

    Only for dining - Gold
    Lucky you. 5% dining cashback truly is golden! :)
  • pexplopexplo PEx Rookie ⭐

    (I have Platinum Visa btw.) Aside from their clunky mobile app, I have no problems with their overall service (i LOVE the SMS alerts btw). Their rewards catalog seemed lackluster though. Disappointing raffle promo too - 5pesos for a huge spend! At least other issuers' Spend Anywhere promos have guaranteed prizes. There's not much HSBC-initiated promos that stand out either. Also, their cc points expire.

    I've backread here that they're rumored to offer lounge access for Platinum, but given their almost-year long FFL promo I doubt they can afford completely free access for us.

    I plan to put this FFL cc in the drawer but after I read that they decrease your CL I'm forced to charge something every month! Hahaha

    I was very excited with my first HSBC cc but after months I'm not sure now... I hope I'm not the only one who thinks so?

    I'm interested on reasons to use this as the main card vs other CC's. Maybe I'm missing something?

  • seawiiitchseawiiitch PEx Rookie ⭐
    pexplo said:

    (I have Platinum Visa btw.) Aside from their clunky mobile app, I have no problems with their overall service (i LOVE the SMS alerts btw). Their rewards catalog seemed lackluster though. Disappointing raffle promo too - 5pesos for a huge spend! At least other issuers' Spend Anywhere promos have guaranteed prizes. There's not much HSBC-initiated promos that stand out either. Also, their cc points expire.

    I've backread here that they're rumored to offer lounge access for Platinum, but given their almost-year long FFL promo I doubt they can afford completely free access for us.

    I plan to put this FFL cc in the drawer but after I read that they decrease your CL I'm forced to charge something every month! Hahaha

    I was very excited with my first HSBC cc but after months I'm not sure now... I hope I'm not the only one who thinks so?

    I'm interested on reasons to use this as the main card vs other CC's. Maybe I'm missing something?

    I've done my fair share of research on credit card benefits despite only having owned 2(BPI Blue and HSBC Gold) but HSBC's plat is really not up to par with others (even to other banks' classic or gold tier). Mas mataas pa nga points conversion ng Red MC nila kasi 4x sa dining, shopping.
    I guess downgrade it to Gold? at least that gives you a reason to use it. Though that depends if you have other cards you use specifically for dining as well and your lifestyle ofc. 
  • cilantro IIIcilantro III Member PEx Veteran ⭐⭐
    edited November 2019
    pexplo said:

    (I have Platinum Visa btw.) Aside from their clunky mobile app, I have no problems with their overall service (i LOVE the SMS alerts btw). Their rewards catalog seemed lackluster though. Disappointing raffle promo too - 5pesos for a huge spend! At least other issuers' Spend Anywhere promos have guaranteed prizes. There's not much HSBC-initiated promos that stand out either. Also, their cc points expire.

    I've backread here that they're rumored to offer lounge access for Platinum, but given their almost-year long FFL promo I doubt they can afford completely free access for us.

    I plan to put this FFL cc in the drawer but after I read that they decrease your CL I'm forced to charge something every month! Hahaha

    I was very excited with my first HSBC cc but after months I'm not sure now... I hope I'm not the only one who thinks so?

    I'm interested on reasons to use this as the main card vs other CC's. Maybe I'm missing something?

    I've done my fair share of research on credit card benefits despite only having owned 2(BPI Blue and HSBC Gold) but HSBC's plat is really not up to par with others (even to other banks' classic or gold tier). Mas mataas pa nga points conversion ng Red MC nila kasi 4x sa dining, shopping.
    I guess downgrade it to Gold? at least that gives you a reason to use it. Though that depends if you have other cards you use specifically for dining as well and your lifestyle ofc. 
    agree to convert to gold. very practical for dining. before i have red mc but decided to cancel it and consolidate the credit limit retaining the gold
  • ScarmansoniScarmansoni PEx Rookie ⭐
    pexplo said:

    I'm interested on reasons to use this as the main card vs other CC's. Maybe I'm missing something?

    Okay ang HSBC Platinum pangolekta ng Mabuhay Miles @ P30-40/mile rate. May lamang pa din naman siya kahit papaano dun sa ibang cards na masmaganda ang miles-earing rate.

    Mas-widely accepted siya kasya sa Diners Club. Pwede mo makuha 'to ng free for life o masmadali magpa-waive ng annual fee, hindi gaya ng Diners, Citi Premiermiles/Prestige, at nung UnionBank Miles+Platinum. May Mabuhay Miles pa rin siya na nawala na sa Citibank. At P40/Mabuhay Mile ang earn rate ng local spend sa dept. store/boutique shopping at dining, hindi gaya sa Metrobank Travel Visa at Unionbank Miles+Platinum na P50/mile.

    In short, okay siya gamitin ng Mabuhay Miles collectors sa local dept. store/boutique shopping at dining. Hindi rin dapat palakain sa labas kasi kung hindi, mag-Gold Cashback na lang sila. Haha sobrang specific.
  • seawiiitchseawiiitch PEx Rookie ⭐
    pexplo said:

    I'm interested on reasons to use this as the main card vs other CC's. Maybe I'm missing something?

    Okay ang HSBC Platinum pangolekta ng Mabuhay Miles @ P30-40/mile rate. May lamang pa din naman siya kahit papaano dun sa ibang cards na masmaganda ang miles-earing rate.

    Mas-widely accepted siya kasya sa Diners Club. Pwede mo makuha 'to ng free for life o masmadali magpa-waive ng annual fee, hindi gaya ng Diners, Citi Premiermiles/Prestige, at nung UnionBank Miles+Platinum. May Mabuhay Miles pa rin siya na nawala na sa Citibank. At P40/Mabuhay Mile ang earn rate ng local spend sa dept. store/boutique shopping at dining, hindi gaya sa Metrobank Travel Visa at Unionbank Miles+Platinum na P50/mile.

    In short, okay siya gamitin ng Mabuhay Miles collectors sa local dept. store/boutique shopping at dining. Hindi rin dapat palakain sa labas kasi kung hindi, mag-Gold Cashback na lang sila. Haha sobrang specific.
    Thanks for this info! 30-40mile rate is considering the bonus points ba? Kasi nung nagcompare ako ginawa ko lang is 6rewards point multiplied by 20pesos kaya 120pesos/mile siya for me. As per Mabuhay Miles website kasi 6rewards = 1mile
  • ScarmansoniScarmansoni PEx Rookie ⭐
    edited November 2019
    seawiiitch said:

    Thanks for this info! 30-40mile rate is considering the bonus points ba? Kasi nung nagcompare ako ginawa ko lang is 6rewards point multiplied by 20pesos kaya 120pesos/mile siya for me. As per Mabuhay Miles website kasi 6rewards = 1mile

    Oo, yung bonus points lang. Spinecify ko na spend lang sa local dept. store/boutique shopping at dining, kung saan P40/Mabuhay Mile ang rate.

    Yung P30/Mabuhay Mile naman na rate ay dun sa foreign currency spend na pwede overseas talaga o online. Pero hindi ko ma-justify yung earn rate kasi ang taas ng foreign currency conversion fee ng HSBC @ 3.5%.

    Pagdating sa foreign currency spend, mas-okay pa rin ang UnionBank Miles+Platinum (P16.67/Mabuhay Mile with 2% FX fee) at pwede na rin ang Metrobank Travel Platinum (P16.67/Mabuhay Mile with 3.5% FX fee).
  • akoposipongakoposipong PEx Rookie ⭐
    pexplo said:

    For those with other CCs: where do you place HSBC in your swiping hierarchy?

    I place it last. Please change my mind. :)



    For me online. Not in overseas. Isa papala kung my installment n 0% tapos 36 mos maganda. 

    Kaso my metro at amex promo ngayon so tabi ko muna to.

    pacorrect nlng po kung mali ung table ko 😂
  • aeonfenriraeonfenrir Member PEx Rookie ⭐
    Current line-up depending on spend categories:
    1. Citi Prestige - Shopping, dining (when DCP is not accepted), and overseas
    2. Citi Premier Miles - Everything else that doesn't have multipliers
    3. Diners Club Premiere - Dining, multiplier promos
    4. AmEx Platinum - Multiplier promos

    Ang ayaw ko sa HSBC Plat, napaka-complicated ng points earning and may limit pa. Will actually cancel mine soon.
  • ScarmansoniScarmansoni PEx Rookie ⭐


    For me online. Not in overseas. Isa papala kung my installment n 0% tapos 36 mos maganda. 

    Kaso my metro at amex promo ngayon so tabi ko muna to.

    pacorrect nlng po kung mali ung table ko 😂
    Yung definition ng "overseas" ng HSBC Platinum ay foreign currency spend. Kung abroad man yung charge o online, basta hindi Philippine Peso, tsaka siya mag-e-earn ng bonus points.

    Hindi separate category yung online. Tinanong ko yan sa HSBC mismo kasi nalabuan din ako dun sa wording nila sa website.
  • ScarmansoniScarmansoni PEx Rookie ⭐
    Current line-up depending on spend categories:
    1. Citi Prestige - Shopping, dining (when DCP is not accepted), and overseas
    2. Citi Premier Miles - Everything else that doesn't have multipliers
    3. Diners Club Premiere - Dining, multiplier promos
    4. AmEx Platinum - Multiplier promos

    Ang ayaw ko sa HSBC Plat, napaka-complicated ng points earning and may limit pa. Will actually cancel mine soon.
    Ang dami ngang echebureche ng points earning ng HSBC. May monthly 60,000 spend limit pa at may expiration date pa ang points after three years.

    Kung hindi lang NAFFL yung card ko e pina-cut ko na rin.
  • akoposipongakoposipong PEx Rookie ⭐
    Current line-up depending on spend categories:
    1. Citi Prestige - Shopping, dining (when DCP is not accepted), and overseas
    2. Citi Premier Miles - Everything else that doesn't have multipliers
    3. Diners Club Premiere - Dining, multiplier promos
    4. AmEx Platinum - Multiplier promos

    Ang ayaw ko sa HSBC Plat, napaka-complicated ng points earning and may limit pa. Will actually cancel mine soon.
    Ang dami ngang echebureche ng points earning ng HSBC. May monthly 60,000 spend limit pa at may expiration date pa ang points after three years.

    Kung hindi lang NAFFL yung card ko e pina-cut ko na rin.
    Kumuha lng din ako dahil naffl. 😂

    Yes, overseas spend means ibang currencies.

    ok lang sya sa local online spend but again, but cap per month plus, expiration 😂

    maganda lang tlga ung mga promo nila na 0% interest, un e kung hindi offered ng ibang card na meron ka, nasa last option pa rin sya.


Leave a Comment

BoldItalicStrikethroughOrdered listUnordered list
Emoji
Image
Align leftAlign centerAlign rightToggle HTML viewToggle full pageToggle lights
Drop image/file