Haven't you ever wanted to just pack your bags and go travel? You read stories of budget adventurers who leave their 9 to 5 jobs behind for a life on the road, roughing out odd chores for dinner and a place to stay for the night. Or perhaps you dream of embarking on a luxurious Caribbean cruise, or multi-city tour around Europe. However, you worry that you don't have the resources to simply indulge in the vacation of your dreams.

What if we tell you that you can take that trip to Venice, Japan, or Harry Potter Land! And you can fly there for free.

Want to know how?

Your credit card could be your ticket to your next vacation. It's a matter of proper planning and knowing which type of travel credit cards can take you there. There are Metrobank, BPI and BDO credit cards that cater to the budding jet-setter, for example, BDO's Cathay Pacific American Express, BPI's Delta SkyMiles Classic Card, and Metrobank's World MasterCard allows cardholders to collect or be exchanged to flyer points.

Simply use your credit card like you normally would, and earn points while doing so. Charge everything to your card (but make sure to pay it off immediately or before the deadline). Collect enough points and you may just have your plane ticket for free.

We've compiled a list of credit cards in the Philippines to get you those flyer perks:

How to earn points: Earn 1 Asia Mile for every ₱42.00 spent

Minimum points to fly: 10,000

Partner Airlines: Cathay Pacific, Dragonair, British Airways, Qantas Airways, and Qatar Airways

How to earn points: Receive 1 mile for every ₱45.00

Minimum points to fly: 10,000

Partner Airlines: Delta Airways, Thai AirAsia, Jetstar, Skymark Airlines and more

How to earn points: Earn 1 point for every ₱20.00 you spend

Minimum points to fly: 3,500 for local flights, 9,500 for international flights

Partner Airlines: Philippine Airlines, Cathay Pacific Airlines, Singapore Airlines, Silk Air, Etihad Airways, All Nippon Airways, Adria Airways, Aegean Airlines, Air Canada, Air China, Air India, Air New Zealand, Asiana Airlines, Autrian, Aviance Brazil, Avianca-TACA, Brussels Airlines, Copa Airlines, Croatia Airlines, EgyptAir, Ethiopian Airlines, EVA Air, LOT Polish Airlines, Lufthansa, Scandinavian Airlines, South African Airways, SWISS, TAP Portugal, THAI, Turkish Airlines, United, Virgin America, Virgin Atlantic, Virgin Australia, Vistara, Dragonair, British Airways, Qantas Airways, and Qatar Airways

How to earn points: Earn one Fly Point for every ₱200.00 spend

Minimum points to fly: 3,500

Partner Airlines: Cebu Pacific

How to earn points: Earn 1 Premier Mile for every P40.00 spent

Minimum points to fly: 3,500 for local flights, 9,500 for international flights

Partner Airlines: Aer Lingus, Air China, Alaska Airlines, American Airlines, British Airways, Cathay Pacific Airways, China Eastern Airlines, Dragonair, Finnair, Gulf Air, Iberia, Japan Airlines, Jet Airways, Kingfisher Airlines, LAN, Malév Hungarian Airlines, Mexicana Airlines, Qantas Airways, Royal Brunei Airlines, Royal Jordanian Airlines, S7 Airlines, Singapore Airlines, Silk Air, Adria Airways, Aegean, Air Canada, Air New Zealand, All Nippon Airways, Asiana Airlines, Austrian Airlines, Blue 1, British Midland International, Brussels Airlines, Continental Airlines, Croatia Airlines, Egyptair, LOT Polish Airlines, Lufthansa, Scandinavian Airlines, South African Airways, Spanair, SWISS International Airlines,  TAM Airlines, TAP Portugal, Thai Airways, Turkish Airlines, United Airlines, US Airways, Philippine Airlines, PAL Express, Delta Air Lines, Aeroflot Russian Airlines,  AeroMexico, Avianca, AirEuropa, Air France, GOL, Hawaiian Airlines, China Southern, Czech Airlines, Malaysia Airlines, KLM Royal Dutch Airlines, Olympic Air, Kenya Airways, V Australia, Korean Air, Tarom, Vietnam Airlines, Etihad, Airberlin, Air Seychelles, Virgin Australia, Eva Air, Copa Airlines, Ethiopian Airlines, Shenzhen Airlines, Garuda Indonesia, Aerolineas Argentinas, Middle East Airlines, Saudi Arabian Airlines, China Airlines, Xiamen Air, Alitalia, MAS Wings, Sri Lankan Airways, Virgin Atlantic, and Firefly

How to earn points: Earn one Mabuhay Mile for every ₱33 spent

Minimum points to fly: 3,500 for local flights, 9,500 for international flights

Partner Airlines: Philippine Airlines, Etihad Airways, and All Nippon Airways

How to earn points: Earn 1 point for every P25 spend

Minimum points to fly: 3,500 for local flights, 9,500 for international flights

Partner Airlines: Philippine Airlines, Cebu Pacific, Etihad Airways, and All Nippon Airways

Points are not only limited to travel. Citibank's Premiere Miles credit card also allows you to exchange points for accommodation at Hilton and Intercontinental hotel brands.

What are you waiting for? Start planning and earning your dream vacation today.

Didn't find what you're looking for? iMoney helps you pick through various credit cards for travel that matches your needs.

Travelling has been one of the most popular activities that a lot of Filipinos enjoy these days. But there’s one very crucial thing that comes with travelling that a lot of people are oftentimes having trouble with – packing. For most people, it would seem that packing stuff would be very easy as shoving clothes and other items in your bag. But of course in reality, it’s not as easy as it sounds.

If you’re travelling by plane, this would be more difficult due to luggage limitations. And if you’re travelling by bus or van, hauling a giant bag in your lap is really not that convenient, right? So having said this, it is very important to pack the right stuff in the right amount whenever you’re going on an out of town trip. So to help you guys out, the next time you set off on a trip, here are a few tips on how to travel lighter and more efficiently.

1.) Arrange your clothes in rolls. Rolling your clothes and arranging them neatly in your bag helps a lot by not only making more room inside your bag but it also makes it really convenient to check things on the last minute as one would easily see all the items in your bag using this arrangement. It’s also easier to compact things when clothes are rolled in contrast when they’re just laid flat.

2.) Use a shammy cloth towel. If you’re not sure whether the hotel or resort you’re going to offers bath towels as standard or you’re not just comfortable using towels other than your own, then bringing a bath towel is not an option. However, bath towels are quite large and heavy. It also takes a large amount of space in your bag, space which can be used to store other things. So if you really need to bring your own towel, try bringing a shammy cloth towel instead. It takes half the space and absorbs the same amount of water.

3.) Use the proper bag. Having a nice system of organizing your stuff is not enough to make your travel lighter. Having the right bag to put all your things plays a pivotal role in order to keep your package light. For me, the best travel bag is always a backpack. Backpacks balance the weight of its contents between your shoulders making it easier to carry. It is also nice if you bag would have several compartments and pockets to store your various gadgets and trinkets. Additional storage would also help getting things organized and most of the times more accessible.

4.) Bring only what you need. The excitement of going on a place you haven’t been before can cause anyone to overestimate a lot of things. And this is also true when it comes to packing. Even though you’re very excited, always keep in mind to bring only the things that you will need. If you’re going on a 5-day trip, bring only things that you will need for the duration of your trip.

5.)Plan ahead of time. Cramming is possibly be a travellers worst enemy. A hap-hazard, last minute packing things would increase the chance of a person over pack or worse, forget something. So it’s always advisable to plan things ahead of time so you can sort things out, packing only the things that are necessary and choosing the right equipment to haul all your stuff.

So I hope this post was able to help you out whenever you plan to go out of town. Do you have other suggestions on how to pack lighter when travelling? Do tell us by leaving a comment below. You can also drop a line on TFL’s Facebook, Twitter, Pinterest and Google Plus accounts. You can also subscribe to TFL using this link.