Credit Cards is good if you know how to handle it well. Below are the top 2 Credit Cards for travelers based on my experience.

1.Security Bank Platinum – Good for international purchases whether online or during traveling abroad due to its zero Foreign transaction fees (normally around 2.5-3.5% on top charge).

Pros: Travel Insurance, No Foreign transaction fee.
Cons: Less exclusive promos.
Annual Fee: 5,000, waived for the first year.

2. CitiBank Premier Miles – Best for collecting Premier Miles 30Php:1 PM ratio. Airport VIP Lounge via DragonPass is great too.

Pros: Low PHP to PM ratio 30:1, VIP Lounge access via DragonPass, Exclusive Promos
Cons: High annual fee.
Annual Fee: 5,000.