13 Best Co-Branded Credit Cards to Check Out: Savings, Perks, and More

Princess Anaviso

Princess Anaviso

Last updated November 01, 2022

Still trying to find the perfect credit card for you? If you’re all for brand loyalty, there’s no better way to show your appreciation than to get a co-branded credit card that can unlock exclusive perks from your favorite brand. This list of the best co-branded credit cards in the Philippines can help you pick the perfect one. 

But first, what is a co-branded credit card, you ask? While comparing credit card options, you’ll encounter specialized credit cards that bear the logo of their partner merchants. Get these cards if you frequently shop at or use the services of those brands. You’ll quickly see that you’re in for lots of rewards! 

If you need more reasons to get a co-branded credit card, check out this extensive guide.

How Do Co-Branded Credit Cards Work?

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Co-branded credit cards offer brand-specific benefits to loyal customers of a retail brand or members of an organization. Banks issue these cards in partnership with malls, airlines, oil companies, car dealerships, restaurant chains, clothing retailers, universities, alumni associations, and charities. 

These cards work just like any regular credit card. Even if a card is jointly issued with a particular merchant, you can use it at any retailer that accepts cards from the bank or credit card network.

What makes co-branded credit cards different from other cards is that on top of standard benefits, they also offer exclusive perks such as rewards points, discounts, and rebates from the partner merchant. To enjoy these extra privileges, you have to buy from the partner merchant using the co-branded card.

In short, co-branded credit cards reward you for your loyalty to the issuing bank’s partner brand. Branded cards tied with charities and universities allow you to support their projects and programs by automatically donating half of the annual fee and a percentage of your credit card spending.

Benefits of Owning Branded Cards

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Greater Rewards

The best co-branded credit cards in the Philippines provide double or triple rewards points for every purchase from the participating partner retailer. Compared to rewards programs of regular credit cards, it’s easier to earn and accumulate points with co-branded cards.

Higher Rebates

With co-branded credit cards, you can also earn cashback of up to 10% on qualified transactions with partner retailers. Rebates of co-branded cards are higher than those of regular cashback credit cards, ranging from 0.20% to 6%.

Discounts and Freebies

You can earn year-round or daily discounts on eligible purchases with a co-branded credit card. A few co-branded cards even offer birthday discounts. Loyal customers can also enjoy free welcome gifts, products, merchandise, flights, travel insurance, or purchase protection insurance.

Annual Fee Waivers

Some co-branded credit cards offer waived annual fees for life. Others provide such waivers when a cardholder meets the minimum purchase requirement at partner outlets.

Priority Access to Exclusive Sales

When a partner mall or retailer holds a sale, co-branded cardholders get to enter the shop first and line up at the priority lanes at payment counters.

Best Co-Branded Credit Cards for Shopping

If you’re looking to save a few bucks or get exclusive rewards with every swipe on your next shopping spree, take your pick from this list of co-branded credit cards:

Mercury Drug Citi Card

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Is Mercury Drug your go-to pharmacy? Maximize the credit card benefits from your purchases with the Mercury Drug Citi Card. Earn up to five times the reward points every month when you use your card for purchases up to ₱320,000 at Mercury Drug. 

Alternatively, get thrice the reward points on health, beauty, and wellness spend. Plus, enjoy no annual fees for life if you apply until November 30, 2022 and spend at least ₱20,000 within 60 days of approval.

📌 Features and Benefits

  • 5x reward points on up to ₱320,000 spend on Mercury Drug per month
  • 3x reward points on health, beauty, and wellness spend in salons, spas, gyms, clinics, and all hospitals
  • 1 point per ₱200 spend anywhere (except for drugstores other than Mercury Drug)
  • Free 24/7 ambulance service worth ₱10,000 within Metro Manila once a year

💸 Fees and Charges

  • Annual fee: Free when you apply until November 30, 2022[1]
  • Interest rate: 2%
  • Minimum monthly income requirement:
    • For existing cardholders: ₱15,000
    • For first-time cardholders: ₱20,833
mercury drug citi - apply now

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities. 

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Want more rewards? Apply for the Mercury Drug Citi Card (or any Citibank credit card) on the Moneymax website today until November 15, 2022, and choose between free Apple AirPods 2 (worth ₱7,690) or free ₱5,000 GCash as a welcome gift. Apply now to access special Citi credit card promos for 2022.

UnionBank Lazada Credit Card

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Is Lazada your go-to site for online shopping? The UnionBank Lazada Credit Card is perfect for you. Earn six times the Lazada credits for every ₱200 Lazada spend, get free vouchers during every Lazada mega sale, and score free ₱5,000 Lazada credits right off the bat. Learn more about this co-branded card in our UnionBank Lazada Credit Card review.

📌 Features and Benefits

  • 6x Lazada credits for every ₱200 spend on Lazada
  • 1x Lazada credit for every ₱200 spend elsewhere
  • Free ₱5,000 Lazada credits for new cardholders
  • Free vouchers on Lazada’s annual mega sales

💸 Fees and Charges

  • Annual fee: ₱3,000 (free for the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱30,000

unionbank lazada - apply now

RCBC ZALORA Credit Card

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If you’re all about fashion, RCBC has you covered with the RCBC ZALORA Credit Card. Enjoy a welcome gift of ₱5,000 ZALORA credits and a 6% rebate on all ZALORA spend–that should be enough reason to add this card to your list of best co-branded credit cards! 

Moreover, you can earn up to 2% cash back on online spend with this card. It also comes with free travel insurance of up to ₱500,000.

📌 Features and Benefits

  • Free ₱5,000 ZALORA credits when you spend ₱30,000 within 60 days of approval
  • Up to 6% cash back on online ZALORA purchases
  • Up to 2% cash back on other online spend
  • Unlimited free shipping via ZALORA NOW[2]
  • Free travel insurance up to ₱500,000
  • Free purchase protection coverage of ₱50,000

💸 Fees and Charges

  • Annual fee: ₱4,000
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱25,000

rcbc zalora - apply now

RCBC Mango Mastercard

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If the previous entry isn’t enough to satisfy your fashion needs, get yourself the RCBC Mango Mastercard. Enjoy shopping at Mango stores nationwide with its 0% installment plan of up to 6 months and get priority access to each season’s catalog offers.

📌 Features and Benefits

  • 0% installment of up to 6 months at Mango stores
  • Priority access to next season’s catalog offers
  • Exclusive access to Mango VIP Sale events

💸 Fees and Charges

  • Annual fee: ₱1,200 (free for the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000

rcbc mango - apply now

RCBC Landmark Anson's Mastercard

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Enjoy your visit to the nearest Landmark or Anson’s store with the RCBC Landmark Anson’s Mastercard. Get a 5% rebate when making straight purchases at Landmark Department Store, Landmark Supermarket, and Anson’s store from Monday to Friday. Plus, earn one reward point for every ₱50 spend and enjoy a whole roster of RCBC credit card promos

📌 Features and Benefits

  • 5% rebate on purchases every weekday at Landmark and Anson’s
  • 1 reward point for every ₱50 spend at Landmark and Anson’s
  • Exchange points for exclusive Landmark gift certificates

💸 Fees and Charges

  • Annual fee: ₱960
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
rcbc landmark ansons - apply now

Best Co-Branded Credit Cards for Travel

Credit card providers usually partner with airlines and other travel-related companies to bring more savings and rewards with every travel spend. Here’s a list of co-branded credit cards to check out before you go on your next adventure.

RCBC AirAsia Credit Card

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RCBC won’t disappoint with the RCBC AirAsia Credit Card. If you love traveling around the world, you can score free flights easily with purchases as low as ₱22. This credit card also offers 8,000 AirAsia Big points for new cardholders.

On top of that, you can also enjoy travel perks like priority check-in, boarding, Xpress Baggage, and a free upgrade to Freedom Flyer Platinum status.

📌 Features and Benefits

  • Free 8,000 BIG Points for new cardholders
  • Earn one reward point for as low as ₱22 spend
  • Priority check-in, boarding, and Xpress Baggage
  • Auto-upgrade to the Freedom Flyer Platinum status

💸 Fees and Charges

  • Annual fee: ₱2,400
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱20,833
rcbc airasia - apply now

UnionBank Cebu Pacific Gold

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Another worthy addition to this list of best co-branded credit cards is the UnionBank Cebu Pacific Gold. As its name implies, this credit card has great perks in store for those who frequently fly with Cebu Pacific. Get one Go reward point for every ₱100 Cebu Pacific spend and ₱200 retail spend. Plus, enjoy exclusive access to Cebu Pacific seat sales to save more on your next flight.

📌 Features and Benefits

  • 1 Go reward point for every ₱200 spend
  • 1 Go reward point for every ₱100 spend at Cebu Pacific
  • Access to exclusive Cebu Pacific seat sales
  • Free life insurance of up to ₱400,000

💸 Fees and Charges

  • Annual fee: ₱3,000
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱30,000
unionbank cebu pacific gold - apply now

PNB-PAL Mabuhay Miles NOW Mastercard

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If you frequent Philippine Airlines, don’t worry–the PNB-PAL Mabuhay Miles NOW Mastercard is also on this list. Right off the bat, you get 1,000 Mabuhay Miles to kickstart your air mile savings. Get a 5% discount on select PAL international flights, free travel insurance worth up to ₱1 million, and no annual fees for the first three years of using this credit card.

📌 Features and Benefits

  • Free 1,000 Mabuhay Miles for new cardholders
  • 5% discount on select PAL international flights
  • Free annual fee waiver for the first three years
  • Free travel insurance up to ₱1 million

💸 Fees and Charges

  • Annual fee: ₱1,000 (free for the first three years)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱10,000
pnb pal mabuhay miles now - apply now

Best Co-Branded Credit Cards for Fuel and Car Expenses

Owning a car can get really expensive. Save more on fuel and other car expenses with this selection of co-branded credit cards that are specially made for car owners like you.

Shell Citi Card

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Looking to save more on fuel? The Shell Citi Card is your best bet. Get up to 5% rebate on Shell fuel spend, up to 5% rebate on Auto Sweep RFID and Easy Trip load, and up to 5% rebate on auto repairs, accessories, and services anywhere in the Philippines. You also get free ₱5,000 Shell fuel rebate when you get this credit card today until November 30, 2022.

📌 Features and Benefits

  • Free ₱5,000 Shell fuel rebate when you apply until November 30, 2022[1]
  • Up to 5% rebate on Shell fuel purchases
  • Up to 5% rebate on Auto Sweep RFID and Easy Trip tollway load
  • Up to 5% rebate on auto repairs, accessories, and services nationwide

💸 Fees and Charges

  • Annual fee:
    • For Gold cards: ₱2,500
    • For Platinum Cards: ₱2,800
  • Interest rate: 2%
  • Minimum monthly income requirement:
    • For existing cardholders: ₱15,000
    • For first-time cardholders: ₱20,833
shell citi - apply now

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Metrobank Toyota Mastercard

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Got a Toyota vehicle? Then the Metrobank Toyota Mastercard is for you. You can earn a 10% discount on every transaction at any Toyota dealership. Plus, get double the rewards for every ₱20 Toyota dealer spend. You also get a 3% rebate on Petron fuel spend, along with access to Metrobank credit card promos, all year round. 

📌 Features and Benefits

  • 10% discount on accessories, parts, and services at all Toyota dealers
  • 2x reward points for every ₱20 spend at all Toyota dealers
  • 3% rebate on fuel purchases at participating Petron stations
  • Free 24/7 roadside assistance service

💸 Fees and Charges

  • Annual fee: ₱2,500 (free for the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
toyota metrobank - compare now

Petron-BPI Mastercard

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If you often refuel your car at Petron gas stations, get the Petron-BPI Mastercard to save up to ₱15,000 on fuel every year. Get a 3% rebate on Petron fuel and a free ₱200 fuel voucher the moment you get your card. Enjoy all these perks, including all the exclusive BPI credit card promos for 2022.

📌 Features and Benefits

  • 3% rebate on Petron fuel spend (maximum of ₱15,000 per year)
  • Free ₱200 fuel voucher for first-time cardholders
  • 0% interest installment plans up to 24 months

💸 Fees and Charges

  • Annual fee: ₱1,550
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000

bpi petron - compare now

RCBC Phoenix Mastercard

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Get you a co-branded credit card that offers various perks like the RCBC Phoenix Mastercard! Aside from earning a 5% fuel rebate at Phoenix gas stations nationwide, you also get free ₱500 worth of fuel for a minimum fuel spend of ₱2,000. What’s more, you get up to three towing and emergency assistance services for free every year.

📌 Features and Benefits

  • 5% rebate on fuel purchases at Phoenix Fuel stations nationwide
  • Free ₱500 worth of Phoenix Fuel for a minimum fuel spend of ₱2,000
  • Up to three free towing and emergency assistance services per year
  • Free personal accident insurance of up to ₱10,000

💸 Fees and Charges

  • Annual fee: ₱1,800
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
rcbc phoenix - apply now

Best Co-Branded Credit Cards for Dining

UnionBank Racks Visa

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If you enjoy dining at Racks, consider the UnionBank Racks Visa, the only dining-related branded card. With this card, you can enjoy exclusive perks at any Racks branch nationwide. Combine that with all the dining UnionBank credit card promos, and you get to relish your favorite meals without breaking the bank.[3]

📌 Features and Benefits

  • Free Mac and Cheese per ₱500 food purchase
  • Free Memphis Pound Cake per ₱1,000 food purchase
  • Free Carbonara per ₱1,500 food purchase
  • Free Apple Pie a la Mode at any Racks branch during the cardholder’s birth month

💸 Fees and Charges

  • Annual fee: ₱1,500
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱50,000
bpi petron - compare now

Final Thoughts

How do you know if having a co-branded card is right for you? Identify the category you spend the most on and figure out your preferred brand. What’s your preferred store, airline, restaurant, or gas station where you’ll most likely use your card often? If you can answer that question, you’ll be able to reap the benefits of any of the best co-branded credit cards out there.

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Sources:

Princess is a seasoned writer with over seven years of experience in digital marketing and corporate communications. She took master's degree units in Creative Writing at the University of the Philippines Diliman and graduated with a bachelor's degree in English Language and Literature from Saint Louis University. Beyond writing, she enjoys reading novels, watching series, and crocheting. Follow Princess on LinkedIn.