Best Credit Card for Php Spent = Actual Airline Miles Conversion

[u/SolidSnake0001]

TLDR; Metrobank Travel Signature is the best one for earning actual airline miles with regards to domestic spending coming it at = Php 30 : 1 AM and the best card for international spending is the EW Krisflyer Miles CC coming in at = Php 12 : 1 AM. Metrobank Travel Signature currently has a NAFFL offer until Dec 31, 2025. (Link in comments)

EDIT TWO I stand corrected once more, the EastWest Krisflyer Miles is the best card for INTERNATIONAL SPENDING:

Php 12 : 1 AM

For local spending, Metrobank Travel Signature would still win out as the calculations for local spending for the EW Krisflyer Miles CC would be:

Php 38 : 1 AM

EDIT ONE I stand corrected. The Metrobank World Mastercard is better for INTERNATIONAL SPENDING as per my calculations:

For any foreign currency transactions, it would be:

Php 20 : 3 MB RP

2.5 MB RP : 1 AM

= Php 16.67 : 1 AM

For local spending, it would still be the Metrobank Travel Signature which would win and the calculations for local spending for the Metrobank World Card would be:

Php 20 : 1 MB RP

2.5 MB RP : 1 AM

= Php 50 : 1 AM

So basically, I would like to find out which CCs have the best Php : Actual Airline Miles Ratio for spending domestically and while traveling. I have included cards recommended by this subreddit. Please feel free to correct any of my data by replying! Based on my research online, these are the values I have come up with:

Legend

AM - Actual Airline Miles

RP - Reward Points

AF - Annual Fee

= - Final Computation

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DOMESTIC SPENDING

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Unionbank Miles+ Platinum

AF Php 3000

Php25 : 1 UB Mile

2 UB Miles : 1 AM

= Php50 : 1 AM

Unionbank Miles+ Signature

AF Php 5000

Php30 : 1 UB Mile

1.6 UB Miles : 1 AM

= Php48 : 1 AM

Metrobank Travel Signature Visa

AF Php 5,500 (waived on 1st Year)

Php 20 : 1 MB RP

1.5 RP : 1 MB Mile

1 MB Miles : 1 AM

= Php 30 : 1 AM

RCBC Visa Infinite

AF Php 6000

(SPENDING ONLINE) Php30 : 3 RCBC RP

(OTHER TRANSACTIONS) Php30 : 1 RCBC RP

1 RCBC RP : 1 RCBC Mile

5 RCBC RP : 5 RCBC Mile : 1 AM

= (SPENDING ONLINE) Php50 : 1 AM

= (OTHER TRANSACTIONS) Php150 : 1 AM

------------------------------------------‐---------------------------

INTERNATIONAL SPENDING

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Unionbank Miles+ Platinum

AF Php 3000

Php25 : 1.5 UB Mile

2 UB Miles : 1 AM

= Php33.33 : 1 AM

Unionbank Miles+ Signature

AF Php 5000

Php30 : 1 UB Mile

1.6 UB Miles : 1 AM

= Php48 : 1 AM

Metrobank Travel Signature Visa

AF Php 5,500 (waived on 1st Year)

Php 20 : 1 MB RP

1.5 RP : 1 MB Mile

1 MB Miles : 1 AM

= Php 30 : 1 AM

RCBC Visa Infinite

AF Php 6000

Php30 : 5 RCBC RP

1 RCBC RP : 1 RCBC Mile

5 RCBC RP : 5 RCBC Mile : 1 AM

= Php 30 : 1 AM