China Bank Wealth World Elite Mastercard: fees, interest and requirements
The China Bank Wealth World Elite Mastercard has its annual fee waived and charges 3% a month on unpaid balances.
China Bank issues this card by invitation only; its page has no eligibility rule and no way to apply, and its only figures are a zero fee and the 3% capped rate, so there is little here to compare. The cards anyone can apply for are on the China Bank credit cards page.
From China Bank Wealth World Elite fees and charges (table image). Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
China Bank's closest card is the China Bank Destinations World Mastercard. Against it, this card earns rewards on different terms and has different perks.
BSP supervised: China Banking Corporation, universal and commercial bank, BSP institution ID 31, is on the BSP Verifier list dated Sep 28, 2026.
What the China Bank Wealth World Elite Mastercard gives you
- 1 point per ₱30 spent locally or ₱15 abroad; 1 point equals 1 air mile China Bank card page
- 10 free airport lounge visits a year through Mastercard Travel Pass by DragonPass same page
- Up to USD500,000 travel insurance same page
- Up to 5% fuel rebate, capped at ₱500 a cycle same page
Who should get the China Bank Wealth World Elite Mastercard
| If | Then |
|---|---|
| China Bank has not invited you | You cannot apply for it. The travel and miles card with the lowest yearly fee that anyone can apply for is the Maya Black Credit Card. |
China Bank Wealth World Elite Mastercard annual fee, interest and charges
| Charge | China Bank Wealth World Elite Mastercard | When, and the rule |
|---|---|---|
| Annual fee | Waived | Waived, no rule published. Fee table: Principal membership fee waivedChina Bank fee page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same page |
| Late payment | ₱1,000 | same page |
| Foreign transactions | 1.7% | same page |
Figures from China Bank Wealth World Elite fees and charges (table image). BSP ceilings: BSP Circular No. 1165, s.2023. How China Bank words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: China Bank billing rules.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| China Bank Wealth World Elite Mastercard China Bank | Waived | 3% | - | - |
| Maya Black Credit Card Maya | No annual fee if used monthly | 3% | ₱1,212 | ₱180,000 a year |
| BDO JCB Lucky Cat BDO | ₱150 a month | 3% | ₱3,012 | ₱180,000 a year |
| BDO JCB Gold BDO | ₱200 a month first year free | 3% | ₱3,612 | ₱396,000 a year |
Questions
What are the requirements for the China Bank Wealth World Elite Mastercard?
China Bank issues this card by invitation only; its page has no eligibility rule and no way to apply.