Considering Miles+ or Rewards?

Hi! As fairly new cc user, tips po on how I should proceed? My first cc is U-Mastercard po which I realized sana nag Rewards muna ako. Well, too late for that 🥲 This was approved Feb. 2, 2026 this year with 45k CL.

This was followed by BPI Amore Cashback approved on April 11, 2026. BPI is my payroll and this was an unplanned application 😅 But with 20k CL. I use this on everyday expenses, yung small buys plus grocery because of cashback feature.

However, nasasayangan ako kasi my big spends dun napupunta U-Mastercard kasi malaki limit and lifestyle-wise, I’m a concert goer and strive to at least have two international trips a year or at least major local travel.

I’ve used the U-Mastercard for my Vietnam bookings, BTS con purchases, SG and KL bookings without points or rewards hehe. And I’ve practiced paying my statements in full since starting my CC journey.

I was initially eyeing the UB Rewards, but then after careful thought, I’m leaning now to UB Miles+. My dilemma lang right now is the min income req is at 360k annual but my annual income is only at 360k at this time. (Which I’m hoping with next month’s annual increase might bump me to exactly 360k or worst case scenario, a few hundreds or thousands short)

Is applying on my 6th month too early or should I wait a year? Should I just aim for the Rewards card where pasok yung income ko may pag-asa kaya for Miles+?

Medyo mahaba-haba na sya. Sorry, and thanks po sa sasagot!!