How to Use a Credit Card for Travel

Traveling in style doesn’t have to come with a hefty price tag. With the right strategy, a credit card with travel perks can be your passport to first-class flights, five-star hotels, and seamless global experiences. 

RCBC credit cards are designed to do just that. Packed with features that reward frequent flyers, our credit cards in the Philippines emerge as a trusted financial tool for Filipinos.

Discover how to use credit card points for travel so you can enjoy exclusive benefits on your trip without overspending.

Credit Card Travel Hacks for Luxurious Experiences

Here’s how to use a credit card for travel in the best ways:

1. Rack Up Points with Everyday Spending

One of the most effective travel credit card hacks is treating your credit card like your wallet. The more you use it for essential and recurring payments—like groceries, fuel, streaming services, dining, and bills—the faster you earn rewards points.

But don’t stop there. Maximize seasonal promos that let you earn bonus points when you shop with partner merchants or book through selected travel portals. If you have an RCBC credit card, you’ll gain access to travel promos throughout the year, perfect for those who want to make the most out of every swipe.

2. Redeem Points for Flights and Hotel Stays

Wondering how to use credit card points for travel? You can often redeem them for flights, hotel stays, and even travel packages. With RCBC, your earned rewards can be converted into air miles or used directly to cover travel-related purchases. Our tip: booking early and during off-peak seasons often gives you more value per point, stretching your rewards even further.

3. Enjoy Exclusive Airport Lounge Access

A huge part of a luxurious travel experience is starting your trip stress-free, and that begins at the airport. Airports can get quite hectic. Many travel credit card benefits include lounge access, allowing you to skip crowded terminals and longer waits.

With your RCBC credit card, you can enjoy perks like complimentary access to participating lounges, free refreshments, Wi-Fi, and even spa services in select airports. This travel credit card hack is perfect for frequent flyers who want to make the most of long layovers or delayed flights.

4. Use the Concierge for Hassle-Free Bookings

Your credit card might also include concierge services that act like your personal travel assistant. From reserving tables at sought-after restaurants to booking last-minute tickets and creating custom travel itineraries, the concierge is a dependable companion.

This feature is one of the most sought-after by luxury travelers and frequent flyers. Concierge is all about curating elevated travel experiences that the regular passenger doesn’t have access to.

5. Stay Protected with Built-in Travel Insurance

Even the most prepared travelers can’t predict the unexpected. Premium credit cards provide insurance coverage for trip cancellations, baggage delays, and medical emergencies. Always check your card’s terms to know what’s included, and remember to charge the full amount of your airfare to the card to activate the coverage. 

6. Combine Points with Promos for Bucket List Destinations

Want to explore dream travel destinations without breaking the bank? Watch out for limited-time credit card promos where you can combine your points with discounts or zero-interest installment plans. It’s a clever way to stretch your travel budget while still enjoying top-tier stays and unique experiences.

7. Upgrade Your Trip with an RCBC Credit Card

The best credit card travel hack? Use a card that gives you maximum benefits. RCBC caters to every kind of explorer, whether you’re a professional flying for work or a jetsetter going on a once-in-a-lifetime adventure.

RCBC cards reward you with generous, never-expiring points that you can redeem for AIRMILES, shopping vouchers, cashback rebates, and more. Enjoy seamless financial control with features like on-demand conversion of purchases into up to 36 months of unlimited installments and easy fund transfers via UnliPay. Plus, unlock exclusive promos and travel perks tailored to elevate your lifestyle and trips.

Indulge in Luxury and Comfort on Every Trip

If you’re looking for a credit card for travel that can keep up with your tastes and preferences, choose RCBC. You earn points, perks, and privileges that elevate your trips with every swipe.

Apply for a credit card today and experience the world the way you want to.