The credit card that puts family first: CBC @home Visa Platinum launches this October
In a marketplace where credit cards typically focus on individual rewards and personal spending, one bank is taking a different approach: Chinabank recently launched the CBC @home Visa Platinum, the first credit card in the Philippines primarily designed with Filipino families in mind.
Following the successful launch of the CBC Velvet Visa Signature in 2024, Chinabank launched @home Visa Platinum by identifying a significant opportunity in the market, given that major banks mainly offer rewards on categories like groceries, shopping, and utilities—highlighting individual savings and transactional benefits.
“By launching a Family Credit Card with clear, family-first positioning, Chinabank claims a white space in the market—meeting the practical needs of modern households while building a deeper emotional connection with Filipino families in a way no other credit card brand currently does,” says Nina Q. Reynoso, VP Head of Chinabank Cards Marketing.
Family-first features
The CBC @home Visa Platinum is specifically designed for primary income earners ages 25 to 45—mid-level professionals or business owners in the early stages of building a family or actively managing household finances.
The CBC @home Visa Platinum comes packed with benefits tailored specifically for family needs:
- Welcome Gift: New cardholders receive a complimentary Php 4,000 SM Supermarket e-voucher with minimum spend—immediately providing value for essential family shopping.
- 5 Percent Family Cash Back: Up to Php 1,500 cash back every month across all categories, helping families save on their regular expenses.
- Free Supplementary Cards: Annual fees are waived for all supplementary cards, making it easier to extend financial access to family members.
- 0 Percent Installment for Essential Services: Lighter payments on any school and medical bills with 0 percent installment for 3 months, with a minimum of Php 50,000 per transaction.
- Exclusive Family Promo Deals: Up to 50 percent off on family-related activities, including outings, dining, and quality time adventures.
Sustainability Commitment
Beyond the financial benefits, the physical card demonstrates Chinabank’s commitment to environmental responsibility. The CBC @home Visa Platinum will be made from recycled plastic, supporting the bank’s sustainability efforts while serving Filipino families.
The product philosophy goes deeper than traditional credit card offerings: “Family matters. Always has.”
“We believe that behind every expense is a family goal—whether it’s caring for children, supporting parents, or simply getting through the week together,” Nina adds.
This is what sets the CBC @home Visa Platinum apart in a market dominated by transactional messaging: It’s a purpose-driven product designed to provide primary income earners with greater control, flexibility, and attractive benefits across everyday spending.
By focusing on the practical needs of modern households while building deeper emotional connections, Chinabank is creating a new category in the Philippine credit card market, acknowledging that for Filipino families, financial management isn’t just about individual gains—it’s about building security, stability, and opportunities for the entire household.
