5 Dual Currency Credit Cards for Filipinos


Planning a vacation outside of the country?

If yes, then you should know that there are many things you need to prepare for: The right documents, your plane tickets, the number of clothes you need to bring, all the necessary gadgets (with their chargers), and enough foreign currency.

The final item is pretty important, especially if you plan to do a little bit of shopping. Thankfully, you no longer have to worry about exchanging your money to foreign ones; you could simply bring a dual currency credit—such as a BDO Platinum—with you.

With these cards, you would be able to enjoy a hassle-free vacation since you will less likely end up spending all your cash.

Below are the top 5 dual currency credit cards Filipinos can take advantage of.

BDO Platinum Mastercard

Foreign Currency Transaction Fee: 1% assessment fee + 1% service fee of the converted amount on Mastercard and BDO’s exchange rate

The BDO Platinum Mastercard is pretty popular for Filipino travelers. Its annual fee of P4,500 will be waived for the first year and it has a 2.75% interest rate—a very good package deal to those seeking a dual currency credit card.

By paying with this card, you will get to choose whether you want to pay in Philippine peso or US Dollar for an item you bought overseas.

Bank of Commerce Mastercard Platinum

Foreign Currency Transaction Fee: 2.50% for non-dollar transactions; converted to US Dollar at Mastercard’s exchange rate

The Bank of Commerce Mastercard Platinum’s annual rate is free. Its interest rate is at 2.95%. For this card, you would receive 2 bills: For local transactions and for overseas transactions.

PNB Platinum Mastercard

Foreign Currency Transaction Fee: Based on the payment rate of the day

The PNB Platinum Mastercard offers many perks for Filipino travelers. Some examples are a free travel insurance (which covers lost luggage and flight delays) and the reward points can be converted to Mabuhay Miles.

Its annual fee is P3,000 while its interest rate is at 3%. Much like the previous card, it also has a dual billing flexibility feature you can enjoy.

Security Bank Platinum Mastercard

Foreign Currency Transaction Fee: None

The Security Bank Platinum Mastercard has an annual fee of P4,000 that will be waived on your first year. Its interest rate is at 3.25%. The reward system is 1 point = P20 spend on the card. Dual currency billing is a perk you will get to enjoy with the credit card. Other perks you’d enjoy are: Travel insurance and access to MIASCOR Lounges.

BDO Titanium Mastercard

Foreign Currency Transaction Fee: 1% assessment fee + 1% service fee of the converted amount on Mastercard and BDO’s exchange rate

The BDO Titanium Mastercard has a 2.75% interest rate and a P3,500 annual fee, which will be waived on the first year. It also has a flexible credit limit in both US Dollar and Philippine peso. Aside from that, it has a double currency feature for your bills and a redemption program, which allows you to earn points to redeem some air miles.


Wherever you are going in the world, it’s nice to know that you can count on these dual currency credit cards to allow you a hassle-free way of traveling. Be sure to check them out and find out which card will fit right into your lifestyle and needs.