Elite and Exclusive: 15 Best Black Credit Cards in the Philippines

How can you tell if you’ve financially "made it"? Well, if you have a black credit card, for one. That’s because only a few are privileged enough to afford such a high-end card.

But there’s more to a black credit card in the Philippines other than being the ultimate status symbol. In this article, discover what makes black credit cards a cut above the rest, their features and benefits, and how to become eligible for one.      

What is a Black Credit Card in the Philippines?

A black credit card is often exclusively reserved for the ultrawealthy. These cards are usually offered on an invitation-only basis.^[1]

It’s the most expensive credit card because of its high card ownership fees—from annual fees to spending requirements. The black card credit limit depends on each cardholder’s creditworthiness. 

The credit card most associated with the phrase "black card" credit card is the Amex Black Card, which was released in 1999.^[2] It generated so much buzz that other credit card companies wanted to release their version of the American Express black card for their highest-spending and most loyal customers. 

15 Best Black Credit Cards in the Philippines 

The top black cards in the Philippines each offer a wide range of benefits and the most luxurious perks. Take a quick glance at some of these cards:

Credit Card	Annual Fee	Key Features
Metrobank World Mastercard®	₱6,000	1 rewards point for every ₱20 spend  2x rewards points for every ₱20 international spend 1 mile = ₱25 foreign currency spend Up to 50% off on luxury dining deals Free airport lounge membership
Security Bank World Mastercard	₱5,000	Membership to more than 1,000 lounges in over 500 airports worldwide Free travel insurance coverage up to ₱10 million Dining, spa, and retail offers from select exclusive airport merchants Mastercard E-Commerce Purchase Protection of up to US$200
BPI Signature Card	₱5,500	2 BPI Points for every ₱20 spend 50% off Signature Exclusives  Low forex conversion rates of 1.85% Complimentary airport lounge access at NAIA 1 and 3 Visa's Global Services Travel insurance of up to ₱20 million
UnionBank Platinum Mastercard	₱3,000	1% cashback on all spending with no limit and expiry date Unlimited pre-departure lounge access at the Marhaba Lounge in NAIA Terminals 1 and 3

For more details and credit card options, keep reading.

💳 Metrobank World Mastercard^®

✅ Monthly income requirement: ₱333,333

✅ Annual fee: ₱6,000

✅ Interest rate: 3%

This black credit card from Metrobank gives you more purchasing power with its high credit limit. As a Metrobank World Mastercard^® cardholder, you enjoy an exclusive discount of up to 50% on luxury dining deals. Plus, you get automatic insurance for your online purchases via Mastercard E-Commerce Protection. 

Moreover, you get lounge membership to over 500 airport lounges in more than 1,000 airports worldwide. And if you travel to the US, the UK, Australia, Singapore, Japan, Hong Kong, or Macau, you can unlock rebates when you dine, shop, or relax at partner establishments. 

Read more: Enjoy the Finer Things in Life: Top 15 Metrobank Credit Card Promos

💳 HSBC Platinum Visa Rebate

✅ Monthly income requirement: ₱41,667

✅ Annual fee: ₱5,000

✅ Interest rate: 3%

Black credit cards unlock all the top-tier privileges. The best ones also give rebates for your spending! 

Use the HSBC Platinum Visa Rebate card for travel-related expenses or online shopping and earn a 5% rebate. Moreover, you get a 1% rebate for insurance spending and a 0.5% rebate for all your other spending.

No need to call HSBC, as these rebates will be credited automatically to your account. 

When you charge your travel expenses to your HSBC Platinum Visa Rebate card, you also get up to ₱10 million in free travel insurance coverage.

💳 Security Bank World Mastercard

✅ Monthly income requirement: ₱250,000

✅ Annual fee: ₱5,000

✅ Interest rate: 3%

The Security Bank World Mastercard is another black credit card packed with excellent benefits. It comes with exclusive deals, airport lounge access, 24/7 concierge services, and complimentary travel insurance coverage. 

Every ₱20 you spend in any spending category also earns you 3 points (which never expire). Whenever you shop online, you get E-Commerce Protection Insurance coverage of up to US$200. 

💳 BPI Signature Card

✅ Monthly income requirement: ₱100,000

✅ Annual fee: ₱5,500 (free for the first year)

✅ Interest rate: 3%

With a black BPI card, you get to enjoy perks and privileges you won’t get from regular credit cards. For instance, you earn 2 BPI Points with every ₱20 spend with the BPI Signature credit card. Use the points to redeem gift certificates, shopping credits, and airline miles.

You can also enjoy 50% off on signature deals on dining, resorts and hotels, and health and wellness studios all year round. 

As a BPI Signature cardholder, you get low forex conversion rates of 1.85% when you shop abroad. Enjoy complimentary airport lounge access at NAIA 1 and 3 plus Visa's Global Services, such as 24/7 concierge, airport meet and greet, and airport transfers. 

Moreover, you’ll receive complimentary travel insurance of up to ₱20 million when you book your travel with your BPI Signature Card.

Read more: Big Deals with BPI: Top BPI Credit Card Promos This 2023

💳 UnionBank Platinum Mastercard

✅ Monthly income requirement: ₱50,000

✅ Annual fee: ₱3,000

✅ Interest rate: 3%

A black credit card doesn't just offer prestige―it also allows you to save while spending. 

Enjoy platinum benefits with the UnionBank Platinum Mastercard while earning 1% cashback on all your spending. There’s no limit to how much cashback you can earn. Your cashback also has no expiry date. 

Use your Unionbank Platinum Mastercard for utilities, fuel, groceries, dining, or shopping. You can also enjoy unlimited pre-departure lounge access at the Marhaba Lounge in NAIA Terminals 1 and 3. 

💳 UnionBank Miles+ Platinum Visa Card

✅ Monthly income requirement: ₱50,000

✅ Annual fee: ₱3,000

✅ Interest rate: 3%

This UnionBank Platinum Visa card is the perfect black credit card for people who love luxurious travel and benefits. 

Pay for all your travel expenses with your UnionBank Miles+ card and earn 1.5 points with every ₱25 spend. Meanwhile, earn 1 point for every regular ₱25 spend. Rack up points to redeem airline miles, cashback, or fee waivers. 

With this premium travel credit card, you can access a fully loaded travel program and enjoy free airport lounge access and travel insurance coverage. 

Related reading: Don’t Miss These 16 UnionBank Credit Card Promos This 2023

💳 HSBC Premier Mastercard

✅ Monthly income requirement: 

• Total Relationship Balance (TRB) of ₱3 million
• HSBC Home Loan of at least ₱6 million or monthly salary credit of ₱300,000 to your HSBC account

✅ Annual fee: None

✅ Interest rate: 3%

The HSBC Premier Mastercard, a credit card exclusively for HSBC Premier clients, also makes it to this list of black credit cards in the Philippines because of the elite privileges you can enjoy anywhere in the world. 

Get zero annual fees for life while enjoying a vast array of dining, shopping, and entertainment offers. Earn accelerated rewards―4x bonus points for every ₱20 overseas spend and 3x bonus points for your dining or local shopping spend. Receive a 3% rebate all year round when you fuel up at Caltex stations. 

Part of your HSBC Premier privileges includes membership in over 850 lounges in more than 400 airports worldwide. You also get free travel insurance coverage.

💳 PNB-PAL Mabuhay Miles World Mastercard

✅ Monthly income requirement: ₱200,000

✅ Annual fee: ₱6,000

✅ Interest rate: 3%

This prestigious black credit card from PNB is tailor-made for people with luxurious lifestyles. Whether for travel, shopping, or dining, the PNB Mabuhay Miles World Mastercard is a must-have.  

Enjoy a low mile conversion of 1 point = 1 mile. As a welcome gift, receive 2,000 Mabuhay Miles, plus an additional 10,000 Mabuhay Miles, when you meet the spending requirement. 

Enjoy exclusive PAL online discounts all year round, priority check-in at PAL Business Class counters, domestic concierge services and comprehensive international SOS through World Assist, and airport lounge access via Mastercard Airport Experiences. 

Read more: PNB Credit Card Promos for 2023: Exclusive Deals and Privileges You Can Enjoy

💳 RCBC Visa Infinite

✅ Monthly income requirement: ₱300,000

✅ Annual fee: ₱6,000

✅ Interest rate: 3%

One look at the RCBC Visa Infinite credit card and you’ll truly be impressed. It’s the first and only RCBC credit card with a metal core and mechanically engraved elements on its metal surface.^[3] 

Aside from its eye-catching look, the perks of this black card are just as remarkable. Earn points with every ₱30 spend. Get 3x rewards points for your local online purchases and 5x rewards points for your overseas online and in-store purchases. 

Earn 20,000 bonus rewards points every year when you have an accumulated spend of ₱1 million and when you pay your annual fee in full.

As an RCBC Visa Infinite cardholder, you also get unlimited free access to the Skyview and Marhaba Airport Lounges, complimentary Priority Pass membership, free travel insurance coverage of up to ₱5 million, and E-Commerce Purchase Protection of up to US$1,000. 

💳 RCBC Black Card Platinum Mastercard

✅ Monthly income requirement: ₱100,000

✅ Annual fee: ₱3,600 / US$100 

✅ Interest rate: 3%

Are you ready for more priceless experiences? Check out the RCBC Black Card Platinum Mastercard, available in PHP and USD variants. 

Aside from earning non-expiring rewards points, which you can exchange for cash credits, air miles, rebates, shopping vouchers, and more, you enjoy unlimited free access to the PAGSS Lounge in NAIA 1 and 3. 

Enjoy worry-free travel and shopping with its free travel insurance and Purchase Protection when you charge your travel expenses on your RCBC Black Card Platinum Mastercard. 

This black card from RCBC also comes with worldwide Mastercard e-Commerce Purchase Protection coverage of up to US$200. 

💳 RCBC Visa Platinum

✅ Monthly income requirement: ₱100,000

✅ Annual fee: ₱5,000

✅ Interest rate: 3%

The RCBC Visa Platinum is a black card designed for frequent travelers. For every ₱25 overseas and ₱48 local spend, you earn 1 PREFERRED AIRMILE (equivalent to 1 point in your chosen mileage program). 

Aside from this, you enjoy unlimited free lounge access to PAGSS Lounge in NAIA 1 and 3 and a complimentary Priority Pass membership with access to over 1,300 airport VIP lounges worldwide.  

When you charge all your international travel-related expenses to your RCBC Visa Platinum, you also enjoy free travel insurance coverage of up to ₱5 million, Purchase Protection, and e-Commerce Purchase Protection of up to US$200. 

And for more purchasing power, you can get a 100% temporary credit limit increase during your travel period. 

Your RCBC Visa Platinum card also comes with 24/7 Visa Concierge Services to assist you with flight and hotel bookings, restaurant reservations, and more. 

💳 RCBC JCB Platinum

✅ Monthly income requirement: ₱100,000

✅ Annual fee: ₱3,600

✅ Interest rate: 3%

The RCBC JCB Platinum card is another black credit card that offers world-class travel benefits and privileges. 

Earn non-expiring rewards points with your spending, and get more points for your transactions in Japan. Exchange your points for air miles, shopping vouchers, cash rebates, cash credits, and more. 

Enjoy complimentary access to JCB Plaza Lounges, PAGSS Lounges in NAIA 1 and 3, and over 50 airport lounges worldwide. Plus, get up to 20% discount on car rental services. 

Charge all your international travel expenses to your RCBC JCB Platinum card to enjoy up to ₱1 million in free travel insurance and Purchase Protection coverage. 

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

💳 AUB Platinum Mastercard

✅ Monthly income requirement: ₱100,000

✅ Annual fee: None

✅ Interest rate: 3%

The AUB Platinum Mastercard lets you enjoy a host of exciting perks and privileges without the annual fees—for life! You can also extend your benefits and privileges to your family using supplementary cards with waived annual fees. 

Every ₱50 purchase earns 1 rewards point. You can easily transfer your points to the Mabuhay Miles Frequent Flyer Program. 

If you’re a frequent flyer, enjoy the best pre-flight experience with your complimentary lounge access at NAIA Terminal 1 and 3 and Davao, Clark, and Puerto Princesa International Airports. 

Lastly, you can choose any day of the month to pay your credit card dues.

💳 Bank of Commerce World Mastercard

✅ Monthly income requirement: Inquire with Bank of Commerce

✅ Annual fee: ₱6,000

✅ Interest rate: 3%

Indulge in luxury and exclusivity with the Bank of Commerce World Mastercard. 

Get treated to exclusive benefits and privileges (valued up to US$100) at participating hotels and resorts. Enjoy free room upgrades, complimentary breakfasts, and early check-ins and late checkouts.

You can also access World Mastercard Rewards & Experiences, which includes complimentary glasses of champagne and other privileges at prestigious restaurants worldwide. It also provides concierge services in over 700 airports and destination limos in Europe, the United States, and Asia Pacific. Moreover, your card gives you exclusive access to over 1,000 lounges in more than 500 airports via LoungeKey. 

Cardholders also enjoy complimentary concierge service or personalized assistance per year via Mastercard Concierge. Call the concierge hotline to assist with your vacation planning or hotel, car, or golf course reservations.  

💳 China Bank World Mastercard

✅ Monthly income requirement: Inquire with China Bank 

✅ Annual fee: ₱6,000

✅ Interest rate: 3%

China Bank also offers a high credit limit and the best worldwide perks. Earn 1 rewards point with every ₱30 qualified spend. Enjoy luxurious dining deals at participating establishments. Plus, get a 5% rebate when you fuel up at any gas station.

Experience premium concierge, travel, and lifestyle services at over 1,000 airport lounges, 10,000 restaurants, and 3,800 hotels and resorts worldwide. Moreover, get comprehensive travel insurance coverage of up to ₱20 million when you book your travel using your China Bank World Mastercard.

What is the Best Black Card in the Philippines?

There is no single black credit card that is perfect for everyone. The best black card for you will depend on your preferred bank, features, and premium privileges.

If you're overwhelmed with the many options, we've narrowed them down for you. Check the slideshow below for our recommendations for the best black cards in the Philippines.

Black Credit Card FAQs

1. Gold card vs. black card: What is the difference? 

Gold credit cards are considered entry-level premium cards for customers looking for more features and benefits than basic or classic cards. A gold card has a slightly higher income requirement than standard credit cards. Plus, you need a good credit history to qualify. 

On the other hand, black credit cards are top-tier premium credit cards. They offer the best and broadest range of credit card perks and complimentary extras. But they also come with the most expensive fees. 

2. How to get a black card in the Philippines?

Ever wondered who has a black card in the Philippines? Not everyone can meet the black card requirements because of its strict and high-tier eligibility criteria. Moreover, some issuers keep their exact criteria and requirements confidential. 

But you don’t always have to wait for an invitation to apply for a black credit card. If you’re a long-standing client and a high-income earner with top credit scores and the capacity for large spending requirements, you can go ahead and try to apply for one. 

3. What are the black card requirements?

As with standard cards, applying for a black credit card also requires proof of identity, residence, and income. 

However, unlike regular credit cards, the minimum annual income requirement for black cards is higher. Moreover, applying for some black credit cards is by invitation only.

Final Thoughts 

If you're ready to own an exclusive credit card with higher-value perks and spending limits, explore these prestigious black credit cards in the Philippines today. Of course, not all black cards provide the same privileges, so compare them to find the right black card for your lifestyle and spending habits. 

Sources: 

• ^[1] What is a black credit card? (Bankrate, 2023)
• ^[2] Black credit cards are the ultimate status symbol — but what are they? (CNBC, 2023)
• ^[3] RCBC Visa Infinite Credit Card