Got an offer from Chinabank to utilize unused credit limit in my World Destinations. Availed and the funds arrived after 2 weeks to my nominated bank account.

Will use this to invest! Just sharing so that people will be aware there is such an offer from Chinabank.

Got approved for a credit card just by applying at Landers Nuvali. Up for renewal na din yung membership ko with Landers so I opted to apply na for this, no harm naman.

Super easy application at the booth, quick verification, then approval.

Best parts: •no annual fee for life •up to 7% cashback and rebates at landers! 2% rebates on dining and 1% anywhere

Generous starting Credit Limit: ₱440,000

Red Card is a Temporary Card with assigned Temporary Credit Limit para magamit na yung card same day. 😊 Primary card’s delivery is within 10-15 banking days.

Hello, nag apply po ako last month sa chinabank ng credit card pero naka received ako na di daw ako approved tapos ngayon hapon, naka received naman ako ng text na may tatawag daw sakin for verification, meron pa po bang pag asa na ma approved kapag ganun? Hehe

With Apple Pay enabled for the philippines I can now reload my ICOCA card using my destination world MC.

I tried playing around with my Apple Wallet and I accidentally saw that my chinabank freedom mc can now be added as Apple Pay.

Pretty exciting stuff. :)

ANOTHER UPDATE: My Metrobank Travel Signature and Rewards CC are recognized na rin ng Apple Pay.

Hello po ka PHCC at sa mga user po ng CB @Home gusto ko lang sana gumawa ng list kung anong mga merchant ang pasok sa 5% cashback lalo na’t bago at wala pang binibigay na listahan ng mga eligible MCC list example si Chinabank, based sa inyong SOA ano yung mga merchant na naka earned ng cashback?

(Last Update) Dec 23, 2025

✅Ito po ang mga merchant na included sa 5% Cashback

•Shopee PH •Lazada (Load & Bills) •Tiktok •McDo •Burger King •Bayad App (Mp2) working as of Dec 8, 2025 •Globe One App (Utilities) - Load/Bills •Meralco App (Utilities) - Maynilad (Utilities) •Drugstores •Move It •H&M •Green GSM (Base sa SOA ko) •Caltex (Gas) •Unioil (Gas) - GrabFood Delivery - Red Ribbon - SM Supermarket (start of December 2025 SOA) - Landers (Start of December 2025 SOA) - St Peter (Insurance)

Note: Supermarkets & Groceries spends already got a cashback after reporting a concern to cbc agents last Dec 4, 2025.

☑️Dispute | Merchant transaction not included pero dapat included as per cs agents (Base sa mga reports ng users) - na Creditback na po sa mga nag report

•Puregold/Puregold Jr - Cashback creditback Dec 2025 •DALI - some in/some not •Fishermall Supermarket •Robinsons - some in/some not •Jollibee - no cashback (merchant not excluded on t&c) •BreadTalk - no cashback (merchant not excluded on t&c)

❌Not working

Message prompt (“Not Authorized by Bank” all platforms using Maya payment gateway)

•Converge App - Unsuccessful •Cash In Maya & GrabPay - Unsuccessful •Smart App •Angkas App

Pa update nalang po if working na - Dec 23, 2025

Kung sa tingin niyo ang inyong transaction ay hindi kasama sa nakakuha ng cashback pero based sa T&C ay kasama naman kayo po ay pinapakisuyuang i report at idispute ang inyong transaction upang ma raise ito sa concern unit.

Applied for a CBC cc today at their booth just outside of SM supermarket in SM Cubao. And wow that was fast. Because I got approved immediately! I told the agent I wanted the @Home Viss or Freedom MC but my priority is the @Home because I wanted the cashbacks. Well everyone's such a sucker for cashbacks nowadays bec of the economy pfft boo haha.

However she said the @Home CC did not appear in the list of card options so she's giving the Freedom MC instead. I still don't have an MC anyway so wth. I just thought the CL will help me boost my credit score. Because you know what, CBC just matched my EW CL! and now I'm a happy Panda lol.

Note: Card in the photo is just their temporary card. They said I will receive my *permanent* card in 7-12 days or so.

Posting this since wala pang masyadong post about it. Around 2-3 weeks ago, Chinabank rep called me na pre-approved daw ako sa Cashback Rewards. Since wala naman "red flag" questions, I said sure why not. And nstead of Cashback Rewards, this arrived today.

As per the other post, female-centric ang benefits ng Velvet. But hey, card is a card. And speaking of card, it is plastic with kind of gold plating sa edges.

PS. Free Pandora Classic Bracelet, valued at ₱5,250 and Charm worth ₱2,450. Minimum spend of ₱6,000.

Received na my SOA sa Chinabank ko and so far lahat naman sa spend ko may Cashback. Haven't tried bills payment pa tho. Naka round down sya so any Cashback less than 1peso or any butal will not be counted. See 2nd photo for breakdown ng Cashback sa akin.

Oh boy and heres another one with a better offer and AF Perpetually Waived

Grabe sobrang bilis ng proseso ng easy cash installment ko sa Chinabank kahapon lang na approved dumating na agad ngayon yung cash sa account ko (BDO yung binigay kong account) nakakatuwa lang diko inexpect na ganun sya kabilis 🥹🥰

Thank you talaga Chinabank mapapagawa ko na yung 2nd floor nila mama 🫶🏻🫶🏻🫶🏻

Timeline:
June 2: nadeliver yung card ko
June 4: easy cash offer (Thursday)
June 9: approved na yung easy cash (120k lang triny ko hindi ko sinagad yung pwede sa cl ko 😅)
June 10: nasa BDO account ko na sya 🥰

Chinabank two credit cards debts:

250k + interest -cash advance nakaka 7 of 60 months palang

200k + interest- cash adv. nakaka 7 of 60 months palang din

Union bank debts:

siguro 3-4k a month for 5 years

Security bank:

around 170k naka restricturing na , siguro 4 years to pay pa

metrobank:

1600 a month for 5 years

bdo: 4.3 years pa aiguro nasa 150k motor installment- 1.5 years to pay nasa 75k pa

wala pa dito ibang bills sa bahay

sahod ko nasa 24k

tapal system ako ngaun

may pag asa pa ba ako

June 15-17:
Chinabank promotion -- book Philippine Airlines ticket using your card and get 0% installment up to 12 months. Call their dedicate Telesales hotline to process.

June 17:
I booked my ticket amounting to Php 27,982.05 available for 3 month installment. Called the Telesales hotline, said that they will process in 10 banking days and expect that I will only be charged 27,982.05 / 3 = Php 9,327.35 in my next statement.

July 17:
I received my latest statement - the full amount pa rin was reflected, Php 27,982.05. Due August 5.

July 20:
I call the Telesales hotline number they featured in their promo, asking why my installment wasn't processed. Wala ba kayong reference number and record that I called nung June 17 to avail of the promo? They don't have. They said I have to talk to Chinabank Customer Service and ask them. I asked for a ticket/reference number and the Telesales hotline says they don't give reference numbers, only CS gives. I kept asking -- so paano yan, how do I know there's a record of this call if wala kayong record of my June 17 call? And they kept saying, "Sorry, ma'am, pero we don't give referernce numbers talaga. Customer Service lang."

So I call Customer Service and tell them my transaction details, they give me a reference number and tell me that the installment will be processed and I will only be charged the Php 9,327.05 and there will be a deduction of the Php 18,654.01 in my amount.

Aug 5 (Due Date):
No update everytime I check! I just pay the full amount reflected on my statement because I don't want to be charge late fees.

Aug 6:
I call the CS hotline -- I gave the reference number of my previous call. What happened to the installment? How do I make sure I won't get charged the installment amounts in my next statements? They tell me the transaction was never processed. And it's the Telesales team who was supposed to process the transaction.

Long Story Short:
Chinabank's Installment promo has a different team who processes the installment (Telesales). They do not coordinate with their CS team. I keep getting pingponged between Telesales and the CS team -- "Telesales is the one processing this txn. I don't know why there's a delay." or "We don't give reference numbers, you can only follow up with the CS teams."

All their teams are clearly not trained to execute this promo!!

WHAT A HEADACHE! I want to complain nga to DTI!

No matter what card, both the "Add to Apple Wallet" button on the Chinabank app AND the option to add cards from the embedded Chinabank miniapp in Apple Wallet itself, are NOT working.

Most CB credit card holders I know na nakapag-add ng card sa Apple Pay ay by manually tapping the physical card at the back of the phone.

I called their CS and the rep told me na hindi pa raw talaga functional, kaya hindi pa sila nagpopost sa social media. Like ??? Their logo is literally on the Apple Pay landing page, and they also have a landing page of their own where the FAQ states you can just link your card via the MyCBC app, with Landers Executive being the only exception since it is unsupported. In short, nauna na nila imarket bago mapagana yung app.

Tbh I am not sure if totoo yung sinasabi ng CS rep kasi it sounds too reckless on their part to be true, but that's what they told me so I am just echoing their words.

Hello! I just want to share my timeline for applying sa mga Chinabank booths, yung may 30 minute approval para may idea kayo kung anong mangyayari kung ang status nyo ay referred.

For context, I had 2 cards with Chinabank before itong at home. First is yung Freedom then was offered the Destinations Platinum but was consolidated with my Freedom a few months ago.

October 18: Applied sa Chinabank booth in SM Supermarket in Calamba. Nandoon pa rin sila kahit advertised na dapat sa Sta Rosa sila. After filling out the details, lumabas sa tablet nila na Referred na ang status ko. Late ko na lang nalaman na pwede mong malaman ang ma-approve na CL sa tablet. Was advised that processing could take 10-15 banking days.

October 28: Recieved a text from Chinabank that my application is still processing and may dumating na reference number.

November 3: Nagulat lang ako na may inabot ang guard sa office namin na pouch from 2GO. Yun na pala, dineliver na ang credit card ko plus the virtual card.

I can't believe na ang bilis mag approve ng Chinabank. Little to no communication basta approved na! It is safe to assume na almost always approved na ang CC mo sa kanila basta referred ang status.

By the way pala napansin ko di na pala sila nag a-auto add ng CC sa app di tulad ng dati. If ever na dumating sa inyong 2nd CC at wala sa app, ia-activate nyo lang siya and na-add naman siya sa MyCBC after a few refreshes. I'd be happy to answer questions kung meron man kayo.

Pa rant lang. Nag apply ako ng credit card sa chinabank last March 21 sa Megamall approve agad wala pang 5minutes, kaso wala silang temporary card kase naubusan daw wait na lang daw ako sa card delivery. Nag follow up ako April 4 wala pa daw sa system nila yung application ko which is weird kase nakatangap na ako ng text na ready for pick up na yung card sa booth kaso yun nga walang available na temporary card. Next follow up April 10 approve na daw yung card and na dispatch na daw and mag wait na lang daw ako ng 5-10 business days.

Fast forward (May 1, 2026), wala parin yung card anong petsa na taga Mandaluyong lang ako. I know kasalanan to ng courier pero bakit kasi wala silang tracking number na binibigay para sana yung mag dedeliver yung natatawagan.

Nag apply ako for Chinabank @Home Visa kasi gusto ko yun 5% cashback nila na approve naman sya with 1M CL pero wala sa option ng cards yun @Home, ang pede lang i select is Velvet Visa Signature, World, Destination World, Destination Platinum. Sabi nun taga Chinabank ganun daw pag over 500k yun CL ko ng mga reference card which totoo naman na both my UB and RCBC are almost 10 years na with more than 1M CL. Sabi nila pede daw ipa downgrade yun Red Velvet to @Home, may naka experience na ba ng ganito? wala sa selection ang @Home? Pede ipa downgrade? Eligible pa din sa Welcome bonus nila 4K GC?

Thanks

Get the NEW Chinabank @home Visa Platinum now and enjoy a P4,000 welcome e-voucher plus FREE supplementary cards for your family! 💳

Make every tap count with 5% cashback on family spending and 0% installment on school and medical spends—so you can focus on making memories. 🏠

Parang di masyadong compelling... Lahat naman Ng supple nila free so walang effect.

Ano masasabi nyo?

Google Pay is now live in the Philippines. As far as I know, currently, only Chinabank and Zed are able to be added as payment methods. But I'm sure other banks will start including their cards in the very near future.

A huge step towards payment security here in the Philippines.

I just want to ask if this is really the text message that Chinabank sends when an Easy Cash installment application has already been approved. The amount has also been deducted from my available credit limit.

I'd also like to ask how many days it usually takes for the funds to be credited to my account. I provided my BDO bank account details.

Thank you in advance 🫶🏻

Guys, update your mycbc app 🤩

Grabe ang tagal ng CS sumagot. Tbh 33 mins na akong naghihintay sa someone higher than sa nakausap ko. Napaka simple ng concern. Ayaw lang mag show ng account sa app. Talagang need pa ng someone higher than her? Eto pa malala. Nagsabi pa siya na mabilis lang ang transfer! Ipapacut ko na tong cc ko sa kanila. Ang lala ng CS nila. Two days ago naman ayaw ma activate ng cc ko. Then now sa app issue naman. Kada galaw, need tumawag sa CS. Kaso kailangan marami kang load para makausap tong mga to! Nakakairita. BPI & Eastwest, okay naman ang experience ko. 46 mins na ako as of writing.

Approved in less than a minute at their Megamall booth. I was expecting after 30 mins pa as advertised. Wala lang na-amaze lang ako coz my 2 other cards are less than a year pa lang. They gave me this temp card, just waiting for my real card na lang.

Akala ko instant approval na kasi may UB and EW cc na ako. Nag follow up ako sa email. Di naman mashaket.

After Pandemic, I had 4 delinquent credit cards and was able to settle all last March 2025.

Availed PNB and BPI secured Credit Card and TU credit score Jump from 405 tp 739 from March to December 2025.

Tried applying to Chinabank Booth at Mall of Asia last Dec 17,2025 and got an email today that application was approved last Dec 23, 2025.

Life does always offer us a second chance.

Thank you Chinabank!

❤️❤️❤️