Upgrade to Platinum or get World Mastercard?

Card Recommendation

Hello, I need help. To be honest nasa dilemma ako today if ever itutuloy ko pa ba kumuha ng another card, even though kakakuha ko lang ng isang credit card from RCBC (JCB platinum) and kaka activate ko lang recently. As of now, may 60-80k atang spending req to get the NAFFL. Kaya naman sya.

But for this one, naofferan din ako mag apply sa World Mastercard for Metrobank. (This is moneymax promos btw) Now my dilemma starts here:

Plan ko makakuha ng BPI Visa Platinum just for dining promos, and travel perks na rin. Tumawag na ko kay BPI to asking for an upgrade from Blue Mastercard to Visa Platinum. But unfortunately di daw abot yung current CL ko to upgrade, unless mag aapply ako which is i dont plan to dahil madadagdagan yung AFs ko. They instead offered me upgrade to Platinum.

Now there's the World Mastercard. Offered na sakin, at pasok na pasok ako sa minimum annual income req. The downside is, I have 2 mastercards already. BPI and Unionbank. Both has good CLs. And plan ko talaga mag Visa naman for another card, since may JCB platinum na me. World Mastercard offers halos the same as visa platinum daw, but mas powerful daw ng onti kesa kay BPI? Not sure about it pero seems parehas lang sila. So here's the catch.

  1. Apply for Visa Platinum, since I wanted the dining perks and travel perks like lounge accesses etc.
  2. Go for World Mastercard, almost same perks as Visa Signature and upgrade to Platinum BPI from Blue Mastercard
  3. Upgrade only Blue Mastercard to Platinum
  4. Ignore all, retry next year promo, and focus on the spending requirement first for JCB before applying a new one. Also someone said better wait BPI to offer free upgrade instead asking for upgrade. Baka daw maging NAFFL yung upgrade.

Any tips?

Posted Dec 2, 2025, 5:58 PM UTC

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