China Bank credit cards
China Bank offers 12 consumer credit cards, with membership fees from ₱0 to ₱6,000 a year in total, interest of 3% a month.
For card concerns, call China Bank at +632 888-55-888 or 1-800-1888-5888 (24 hours. The 1-800 number is toll-free from PLDT landlines. The same line handles activation, balances, limit changes and lost cards).
The cheapest China Bank card to hold and carry a ₱20,000 balance on for 3 months is the China Bank Freedom Mastercard at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱250,000 a year, on the China Bank Freedom Mastercard.
Fees and rates as printed on China Bank's fee table (dated February 2023); contact and application details from China Bank's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: China Banking Corporation, universal and commercial bank, BSP institution ID 31, is on the BSP Verifier list dated Sep 28, 2026.
China Bank credit card hotline and customer service
| Card hotline | +632 888-55-888 or 1-800-1888-5888 24 hours. The 1-800 number is toll-free from PLDT landlines. The same line handles activation, balances, limit changes and lost cards.China Bank contact page |
|---|---|
| Lost or stolen card | +632 888-55-888 or 1-800-1888-5888 Report a lost or stolen card immediately through the Customer Service Hotline or domestic toll-free number.China Bank contact page |
| Calling from abroad | 1-636-722-7111 From abroad, report a lost or stolen card through Mastercard Global Services.China Bank contact page |
| Other channel | Viber +639178814263 (messages only, Monday to Friday except holidays, 8:30 AM to 5:30 PM) bank page |
| Other channel | Email customercare@chinabank.ph bank page |
Call only the numbers printed on China Bank's own site.
How to apply for a China Bank credit card
- Check the eligibility rules and requirements.
- Download and fill out the principal cardholder application form.
- Send the form and documents to cbccardsales@chinabank.ph or bring them to any China Bank branch.
- Wait 10 to 15 banking days for processing.
Where to apply: Email the application form and documents to cbccardsales@chinabank.ph, or submit them at any China Bank branch; for the Landers Executive Visa Signature, get a Landers Executive membership first; the card's Apply Now button goes to Landers. bank page
How long it takes: 10 to 15 banking days bank page
China Bank credit card requirements
Who can apply
- 21 to 65 years old
- A principal credit card from another bank, active for at least 12 months
- Filipino citizen, or a foreigner working and permanently residing in the Philippines
- Regular employee, or self-employed with a business operating legally in the Philippines for at least 2 years
- Gross annual income of at least ₱250,000
Requirements as the bank lists them
Documents if you are employed
- Valid email address, mobile and landline numbers
- Valid government-issued ID with photo and signature
- Details of your other credit card, held as principal for at least 1 year
- One of: latest BIR Form 2316, latest 3 months' payslips, or original Certificate of Employment
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- Valid email address, mobile and landline numbers
- Valid government-issued ID with photo and signature
- Details of your other credit card, held as principal for at least 1 year
- Latest BIR Form 1701 and Audited Financial Statement as received by the BIR
Requirements as the bank lists them
Other applicants
- Non-immigrants and embassy employees: photocopy of unexpired passport or visa
- Foreign residents: Alien Certificate of Registration or I-Card (ACR or ICR)
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701. The certificate employees attach is BIR Form 2316, which your employer issues.
Income: each card has its own floor, from ₱250,000 a year on the China Bank Freedom Mastercard. The table below shows every card's.
China Bank secured credit card
China Bank Secured Credit Card: For China Bank depositors building or rebuilding credit. Apply at your branch with the secured card application form and a valid ID. The minimum deposit is ₱30,000 in a peso savings or time deposit account, or US$750 in a dollar account, and the limit is up to 85% of a peso deposit or 70% of a dollar deposit. The card runs as long as the deposit does. Minimum deposit: ₱30,000. bank page
A secured card is the usual route when you have no card history or your income is below the bank's floor. Compare it with other first cards on the beginner list.
Which China Bank card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | China Bank Freedom Mastercard | Cheapest China Bank card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | Not a first card: you need a card from another bank already. |
| You are applying for your first card | China Bank Freedom Mastercard | Lowest stated income requirement at China Bank: ₱250,000 a year. | Not a first card: you need a card from another bank already. |
| You want a travel and miles card | China Bank Destinations Platinum Mastercard | Lowest yearly fee among China Bank's travel and miles cards: ₱4,000 a year. | Not a first card: you need a card from another bank already. |
| You want a cash back card | China Bank @home Visa Platinum | Lowest yearly fee among China Bank's cash back cards: ₱3,000 a year. | Not a first card: you need a card from another bank already. |
Every China Bank card compared
Source: China Bank fees and charges and each card's product page. Networks: Mastercard, Visa. 2 cards are limited to a group of clients and left out of the picks above.
How China Bank bills: minimum due, fees and interest
| Late payment fee | PHP750 or the unpaid minimum amount due, whichever is lower. 9 cards. China Bank credit card fees and charges (table image, as of February 2023) |
|---|---|
| Late payment fee | PHP1,000 or the unpaid minimum amount due, whichever is lower. China Bank Wealth World Elite Mastercard. China Bank Wealth World Elite fees and charges (table image) |
| Foreign transactions | 2.5% foreign transaction fee, including the network assessment fee. 8 cards. China Bank credit card fees and charges (table image, as of February 2023) |
| Foreign transactions | 1.7% foreign transaction fee, including the network assessment fee. China Bank Destinations World Mastercard, China Bank Wealth World Elite Mastercard. China Bank credit card fees and charges (table image, as of February 2023) |
| Foreign transactions | 1.7% on transactions in currencies other than US dollars or with non-US merchants. China Bank Destinations World Dollar Mastercard. China Bank credit card fees and charges (table image, as of February 2023) |
| Annual fee waiver | All China Bank rewards cards: The principal cardholder can convert rewards points into an annual fee waiver; the credit shows on the next statement. bank page |
| Annual fee waiver | Velvet, Destinations World, Destinations World Dollar, World, Destinations Platinum, Platinum, Cash Rewards and Prime: Waived in the first year. The Freedom card has no annual fee, and supplementary cards are free. bank page |
| Annual fee waiver | China Bank Landers Executive Visa Signature: No annual membership fee for life. bank page |
| Fee table date | February 2023. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at China Bank's rate, use the credit card interest calculator.
Paying your China Bank card, and promos
- China Bank branches (same day for cash and China Bank checks)
- China Bank Online, the mobile app and TellerPhone
- China Bank ATMs (within 2 banking days)
- Auto-debit from a China Bank deposit account (same day)
- China Bank Savings branches, online banking and ATMs
- BancNet Online and ATMs (except HSBC, UnionBank and LandBank)
- SM Business Services Center, SM Store Bills Payment, SM Hypermarket, Savemore, Walter Mart (next banking day)
- BPI ATMs, online, mobile and phone banking; BDO Online, BDO Pay and branches (within 2 banking days)
- GCash (3 banking days), Maya (5 banking days), GoTyme Bank app (3 banking days), ECPay (3 banking days)
- Destinations World Dollar card: US dollar cash at China Bank branches, or auto-debit from a China Bank dollar account
Payment channels from China Bank
Promos change every few weeks. See the current ones on China Bank's credit card promos page.
China Bank credit card questions
What is the China Bank credit card hotline?
+632 888-55-888 or 1-800-1888-5888 (24 hours. The 1-800 number is toll-free from PLDT landlines. The same line handles activation, balances, limit changes and lost cards). To report a lost or stolen card: +632 888-55-888 or 1-800-1888-5888. From abroad: 1-636-722-7111. These are the numbers on China Bank's own website.
How do I apply for a China Bank credit card?
1. Check the eligibility rules and requirements. 2. Download and fill out the principal cardholder application form. 3. Send the form and documents to cbccardsales@chinabank.ph or bring them to any China Bank branch. 4. Wait 10 to 15 banking days for processing.
What are the requirements for a China Bank credit card?
21 to 65 years old; A principal credit card from another bank, active for at least 12 months; Filipino citizen, or a foreigner working and permanently residing in the Philippines; Regular employee, or self-employed with a business operating legally in the Philippines for at least 2 years; Gross annual income of at least ₱250,000. Employed applicants submit: Valid email address, mobile and landline numbers; Valid government-issued ID with photo and signature; Details of your other credit card, held as principal for at least 1 year; One of: latest BIR Form 2316, latest 3 months' payslips, or original Certificate of Employment. The lowest income China Bank states for a card it offers to the public is ₱250,000 a year, on the China Bank Freedom Mastercard.
How much is the China Bank credit card annual fee, and can it be waived?
Membership fees run from ₱0 to ₱6,000 a year in total. 1 card has no annual fee: China Bank Freedom Mastercard. 8 cards waive the fee in the first year only. All China Bank rewards cards: The principal cardholder can convert rewards points into an annual fee waiver; the credit shows on the next statement. Velvet, Destinations World, Destinations World Dollar, World, Destinations Platinum, Platinum, Cash Rewards and Prime: Waived in the first year. The Freedom card has no annual fee, and supplementary cards are free. China Bank Landers Executive Visa Signature: No annual membership fee for life.
What is the China Bank credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year).
How do I pay my China Bank credit card bill?
China Bank branches (same day for cash and China Bank checks); China Bank Online, the mobile app and TellerPhone; China Bank ATMs (within 2 banking days); Auto-debit from a China Bank deposit account (same day); China Bank Savings branches, online banking and ATMs; BancNet Online and ATMs (except HSBC, UnionBank and LandBank); SM Business Services Center, SM Store Bills Payment, SM Hypermarket, Savemore, Walter Mart (next banking day); BPI ATMs, online, mobile and phone banking; BDO Online, BDO Pay and branches (within 2 banking days); GCash (3 banking days), Maya (5 banking days), GoTyme Bank app (3 banking days), ECPay (3 banking days); Destinations World Dollar card: US dollar cash at China Bank branches, or auto-debit from a China Bank dollar account.
What is the best China Bank credit card?
On cost, the China Bank Freedom Mastercard (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.