Credit cards
Chinabank Freedom Mastercard
China Banking
4.05 reviews
About this product
Chinabank Freedom Mastercard from China Banking offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- 1 point per ₱30 qualified spend
- Good for
- No annual fee rewards
- Rating
- 4.0 / 5
Card details
- Network
- Mastercard
- Tier
- No annual fee
- Best for
- No annual fee rewards
- Billing currency
- PHP
- Availability
- Public apply
- Principal annual fee
- None
- Fee waiver
- Perpetual waiver of annual membership fee
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2.5%
- Cash advance fee
- ₱200 per transaction; 3% monthly interest
- Base earn rate
- 1 point per ₱30 qualified spend
- Other key benefits
- Worldwide acceptance, rewards and installment options
- Processing time
- 10–15 banking days
- Product page
- www.chinabank.ph/credit-cards-freedom
- Fees / terms
- www.chinabank.ph/credit-cards-fees-charges
What people say
Based on 5 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.