General FAQs

Credit Cards

Yes. You may re-apply for a China Bank Credit Card by submitting a completely filled out application form with a copy of your valid ID to creditcards@chinabank.ph. Your application will undergo credit evaluation. You may download the application form here.  (Note: Please do not leave any field blank on your application form. Indicate “N/A” if not applicable.)

There is no limit to how many Supplementary Cards you want to enroll. 

You and your Supplementary Cardholders will share a single credit limit. You may assign a Monthly Spending Limit (MSL) for your supplementary card. 

The Membership Fees for all your Supplementary Cards are waived. 

Yes. China Bank Credit Cards are accepted in millions of Mastercard-affiliated merchants worldwide, specifically, at retail outlets, and online shopping sites, where you see the Mastercard logo. 

Mastercard Contactless allows you to pay for your purchases with just a simple tap of your Card with no signature* required before you checkout. 

*Php 2,000.00 and above transactions will require signature 

You can use your China Bank Credit Card at retail outlets where you see the Mastercard Contactless logo --  . If you don’t see the Contactless logo, you may still use your China Bank Credit Card through the regular POS terminal. 

You may activate your China Bank Credit Card through any of the following channels: 

●      Call China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 

●      Follow the card activation instruction indicated on your China Bank Credit Card carrier. 

Yes. You may request for the re-activation of your China Bank Credit Card by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 or sending an e-mail to creditcards@chinabank.ph. Re-activation request is subject for evaluation and approval. 

Yes. Your China Bank Credit Card will be automatically renewed two (2) months before your card expiry if your China Bank Credit Card is activated and your card account is not delinquent. 

Yes. You may request for a re-delivery of your China Bank Credit Card by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 or sending an e-mail to creditcards@chinabank.ph. Your China Bank Credit Card will be delivered to your billing address on record. 

Yes. You may request for an upgrade or downgrade of your China Bank Credit Card, subject to a Card Upgrade/Downgrade Fee, by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 or sending an e-mail to creditcards@chinabank.ph. 

General information about your account is indicated on the card carrier accompanying your China Bank Credit Card. You may also contact China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. 

Credit limit is the maximum available amount that you can use to make a purchase using your China Bank Credit Card. It is shared among the Principal and Supplementary Cardholders. China Bank reserves the right to disapprove purchases that exceed your credit limit. 

Yes, you may contact China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 for change in credit limit. This is subject to review and approval of China Bank. 

Finance Charges are imposed on your China Bank Credit Card if you pay any amount less than the Statement Balance. The unpaid balance will be subject to a 3% Finance Charge.

Finance Charges are determined using the Daily Retail Interest computation method: 

Step 1: Multiply the Previous Statement Balance with the number of days from the day after your Previous Statement Date to the day before Payment Transaction Date, and the Daily Retail Interest Rate. The Daily Retail Interest Rate is derived by dividing the Finance Charge Rate by 30. 

Step 2: New Retail Transactions reflected in your current Statement of Account will not be imposed with Finance Charges. 

Step 3: Multiply other fees and charges transaction reflected in your Current Statement of Account with the number of days from Transaction Posting Date to Current Statement Date and with the Daily Retail Interest Rate. 

Step 4: Deduct the Payment Transaction Amount from your Previous Statement Balance. Multiply the result with the number of days from Payment Transaction Date until your Current Statement Date and with the Daily Retail Interest Rate. 

Step 5: Sum up the totals computed in steps 1 to 4 to arrive at the total Finance Charge as reflected in your Current Statement of Account. 

The above computation is based on the assumption that the Cardholder paid less than the Statement Balance in the previous Statement of Account. 

You may inquire about your Available Credit Limit, Outstanding Balance, or Total Amount Due (Statement Balance) with our Interactive Voice Response System (IVRS) by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. 

All approved transactions are posted on your Credit Card account immediately. Generation of your Statement of Account (SOA) shall be in accordance with the statement cycle specified in your card carrier that came with your China Bank Credit Card. If your Statement Date falls on a Friday, weekend, or non-working day, it moves forward to the day before the following working day. Any transaction posted before the cut-off date will form part of the Statement Balance. Your monthly SOA will be delivered to your billing address and/or electronic copy will be sent to your registered e-mail address. Please ensure your billing address and e-mail address on record are updated. You may update your billing address and e-mail address by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. 

How do I know how much to pay? 

You may opt to pay any of the following amounts: 

●      Your Statement Balance as indicated in your latest SOA 

●      Minimum Amount Due, which includes: (a) past due amount, if any (b) 5% of Statement Balance or P500, whichever is higher; and (c) any amount in excess of your credit limit 

●      Any amount less than your Statement Balance but not less than your Minimum Amount Due 

No. However, you may convert your straight transactions at non-installment merchants through the Transaction Conversion Program by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 or you fill-out the Transaction Conversion form and send it to document_chinabank.ph. You may download the Transaction Conversion form here. 

You can pay on or before your Payment Due Date. If your Payment Due Date falls on a Saturday, Sunday, or non-working day, payment should be made on the next working day following the weekend or holiday. Late payments shall be subjected to corresponding fees and charges. For local check payments, payment must be done three (3) banking days before the Payment Due Date. Acceptance of payment is considered effective only upon encashment/collection/clearing. If you are paying for multiple accounts, please issue separate checks per account to avoid erroneous posting of payments. Payment should be made on a per card basis. 

Late payments will be subject to corresponding Late Payment Fees and Finance Charges. 

View China Bank Credit Card Payment Channels and Methods here

An Over Limit Fee will be charged if card balance exceeds the credit limit by at least Php500.00 upon billing cycle/cut-off date. 

You must notify China Bank of any billing error or disputed transactions in the SOA within thirty (30) days from Statement Date, otherwise the SOA shall be considered true and correct. Please call China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. 

You must report your lost or stolen card immediately by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888.  

If you are abroad, you may call the Mastercard Global Services Number 1-636-722-7111 to report your lost and stolen card. 

No. You will not be liable for charges incurred in your card account after the time of reporting of stolen/lost card. Only transactions prior to the time of reporting will be charged to you. 

You may request for a replacement card through China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-8000-1888-5888. You may also send an e-mail to creditcards@chinabank.ph. A minimal card replacement fee of Php500.00 will be charged to your card account. 

Transactions made in foreign currencies and/or with foreign merchants shall be subject to a 2.5% Foreign Transaction Fee which is comprised of Mastercard’s Assessment Fee and Foreign Currency Conversion Fee.  The same shall apply to transactions executed in Philippine Peso but processed by foreign acquirers, whether online or via POS terminal, in the Philippines or abroad. 

To receive your SMS and e-mail notifications, kindly ensure that your contact details on record such as mobile number and e-mail address are updated. You may update your contact details by calling China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. 

You may coordinate directly with the merchant to cancel your subscription or recurring transaction. 

You may coordinate directly with the biller to set an automatic payment arrangement through your China Bank Credit Card. 

You may dispute a transaction by filling out the Mastercard Dispute Form and sending it together with the supporting document/s indicated in the form to document_creditcards@chinabank.ph 

No. Once you are enrolled in ADA, you will no longer need to re-enroll your renewal China Bank Credit Card. 

Chinabank has 3 accredited Telesales Agencies handling outbound calls for Credit Card and Consumer Banking Products and Programs. Listed below are their Caller IDs for your reference.

Please take note that Chinabank will NEVER call to ask for your Credit Card details such as the 3-digit security code or CVC at the back of your card and One-Time Password (OTP). Be mindful of your personal information and never share them with anyone. You may verify the call received or report any suspicious activity to us at +632 888-55-888.

  • ALLIANZ SYNERGIA, INC.


  • DIAMEDIX TECHNOLOGIES (DTECH), INC.
    credit-cards-diamedix (374×195)

  • SUPPORT SERVICES GROUP – ASIA PACIFIC (SSG-APAC)

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