Comparison of Philippine Credit Cards Miles Conversion

Looking for the best credit card in terms of miles conversion?

I reviewed some Philippine credit cards, comparing the conversion factors.
This is not exhaustive, I made it for my own decision-making.

Card	Pesos per point	Points to miles	Pesos to miles	Miles / airline	foreign currency fee	annual
RCC World Card	125	1:1	125	?	?	?
PNB Mabuhay Miles	33	1:1	33	PAL	2.50%	?
PNB Mastercard Essentials	50	1:1	50	PAL	?	2250
Metrobank femme	20	2.5:1	50	?	?	3500
HSBC Platinum	25	5:1 krisflyer, 6:1 mabuhay miles	125 – 150	Singapore, PAL	?	5000
Citibank Platinum Miles	30	1:1	30		3.50%	5000
Citibank Premier Miles	40	1:1	40	?	3.50%	5000 (waived at 282k spend per year, roughly 24k/mo)
Citibank rewards	30	5:1	150	?		free
BPI skymiles	45	1:1	45	Delta	1.75%	5000
BPI Gold	35	6:1 krisflyer, 5:1 mabuhay miles, 3:1 airasia or cebpac	175	various	1.75%	2250

The verdict:
The 3 cards come out:
BPI Skymiles, Citibank Premier Miles, and PNB Mabuhay Miles. But if you'll use the card abroad,
the lower foreign currency fee would be better.

Always remember, there's really no such thing as free, everything comes at a cost.
Based on my estimate, 1 Mabuhay mile can be valued at P2,00. So just use your credit card normally, not to rack up points.

Most stores give a cash discount you miss on using credit card, and
some cards have a higher currency conversion fee, meaning, you're really paying for those miles.