16 Co-Branded Credit Cards That Can Help You Save Money

Published: December 18, 2019 | Updated: May 14, 2020 | Posted by: Venus Zoleta | Credit Card


Best Co-Branded Credit Cards in the Philippines | Moneymax

This article was published on June 12, 2018 and was updated on December 18, 2019.

Co-branded credit cards are ideal for customers who are loyal to a particular mall, retailer, airline, oil company, auto dealership, restaurant, or brand.

These cards come with attractive discounts, rebates, rewards, freebies, and other exclusive perks. The best co-branded credit cards help loyal customers save money on their credit card spending.

Signing up for a co-branded card? Consider these best co-branded credit cards in the Philippines for shopping, travel, fuel, and car expenses, and dining.

Best Co-Branded Credit Cards for Shopping

Mercury Drug Citi Card

Best Co-Branded Credit Cards Philippines - Mercury Drug Citi Visa

  • Annual Fee: PHP 2,000
  • Interest Rate: 3.50%
  • Minimum monthly income requirement:
    • For existing cardholders: PHP 15,000
    • For first-time cardholders: PHP 20,833.33
  • Rewards: 
    • 1 point per PHP 200 spend anywhere (except for drugstores other than Mercury Drug)
    • 5x points on up to PHP 320,000 spend in Mercury Drug per month
    • 3x points on health, beauty, and wellness spend in salons, spas, gyms, clinics, and all hospitals
    • 3x points on foreign currency spend
  • Freebies:
    • Welcome gift: PHP 5,000 cash credits (for credit card applications until February 29, 2020) (1)
    • Free 24/7 ambulance service worth PHP 10,000 within Metro Manila once a year
    • Free annual physical exam until December 31, 2019

Read More: 9 Online Drugstores in the Philippines for Medicine Delivery and Pickup

BPI-Ayala Malls Amore Visa

Best Co-Branded Credit Cards Philippines - BPI Amore Visa

  • Annual Fee: PHP 2,050
  • Interest Rate: 3.50%
  • Minimum monthly income requirement: PHP 15,000
  • Discounts: 5% off on Ayala Cinema tickets plus discounts in partner merchants at Ayala Malls
  • Rebates: Save as much as PHP 15,000 per year for every PHP 1,000 purchase at BPI’s partner merchants at Ayala Malls
    • 4% rebate at restaurants
    • 3% rebate on clothing and accessories purchases
    • 1% rebate at department stores, supermarkets, drug stores, utility bills payments, etc.
  • Freebies: Free items from participating Ayala Malls merchants
  • Other perks: Access to Express Lane for Ayala Cinema ticket purchases and unlimited use of the customer and family lounges

UnionBank – The North Face Visa

Best Co-Branded Credit Cards Philippines - Unionbank North Face Visa

  • Annual Fee: PHP 1,500 (free for the first year)
  • Interest Rate: 3.50%
  • Discounts:
    • 5% off at The North Face (TNF), The Travel Club (TTC), and R.O.X stores
    • 30% off on fees at TNF-sponsored events
    • 20% off on all regular-priced TNF products on the cardholder’s birth month
  • Rewards: 1 point for every PHP 20 purchase anywhere (Accumulated points can be redeemed for gift certificates for use in any TNF branch.)
  • Freebies:
    • Welcome gift: Free TNF ID lace worth PHP 200
    • Free TNF premium item for every P10,000 accumulated purchase at TNF stores within three consecutive months
    • Free TTC premium item for every P10,000 accumulated purchase at TTC stores within three consecutive months
  • Other perks:
    • 0% installment for three-month and six-month terms on all regular-priced TNF products (minimum purchase of PHP 3,000)
    • Credit life insurance of up to PHP 400,000 of the cardholder’s outstanding balance
    • 0% interest on up to 36 monthly installments

Best Co-Branded Credit Cards for Travel

AirAsia Credit Card

Best Co-Branded Credit Cards Philippines - AirAsia Credit Card

  • Annual Fee: PHP 200 per month (Free for the first year)
  • Interest Rate: 3.50%
  • Rewards: 1 BIG point per PHP 22 spend (Accumulated BIG points can be redeemed for AirAsia flights.)
  • Freebies:
    • Welcome gift: Up to 8,000 AirAsia BIG Points
    • Free introductory in-flight Wi-Fi
  • Other perks:
    • Instant AirAsia BIG Platinum membership status upgrade
    • Priority check-in, boarding, and Xpress baggage
    • Unlimited 0% 3-month installment plan

Cebu Pacific GetGo Platinum

Best Co-Branded Credit Cards Philippines - CebuPacific GetGo Platinum

  • Annual Fee: PHP 5,000
  • Interest Rate: 3.50%
  • Minimum monthly income requirement: PHP 100,000
  • Discounts: Exclusive Cebu Pacific and GetGo seat sales
  • Rewards: 1 GetGo point per PHP 30 spend
  • Freebies:
    • 5kg extra baggage allowance on Cebu Pacific flights
    • Airport lounge access at NAIA Terminal 3
    • Comprehensive travel insurance of up to PHP 10 million
  • Other perks:
    • Priority check-in on Cebu Pacific flights
    • Early alerts to Cebu Pacific seat sales
    • Automatic crediting of points
    • Credit life insurance of up to PHP 400,000 of the cardholder’s outstanding balance
    • 0% interest on up to 36 monthly installments

Cebu Pacific GetGo

Best Co-Branded Credit Cards Philippines - CebuPacific GetGo

  • Annual Fee: PHP 3,000
  • Interest Rate: 3.50%
  • Required minimum monthly income: PHP 50,000
  • Discounts: Exclusive Cebu Pacific and GetGo seat sales
  • Rewards: 1 GetGo point per PHP 30 spend
  • Other perks:
    • Automatic crediting of points and early alerts to seat sales
    • Credit life insurance of up to PHP 400,000 of the cardholder’s outstanding balance
    • 0% interest on up to 36 monthly installments

PNB – PAL Mabuhay Miles World Mastercard

Best Co-Branded Credit Cards Philippines - PNB Pal Mabuhay Miles

  • Annual Fee: PHP 6,000
  • Interest Rate: 2.70%
  • Minimum monthly income requirement: PHP 200,000
  • Discount: 5% off on select PAL international flights booked via the Philippine Airlines website
  • Rewards: 1 Mabuhay Mile per PHP 33 spend
  • Freebies:
    • Welcome gift: Free 2,000 Mabuhay Miles upon card activation
    • Additional 10,000 Mabuhay Miles upon reaching PHP 100,000 worth of purchases with PAL
    • Travel insurance of up to PHP 10 million
    • Purchase protection insurance of up to PHP 250,000
  • Other perks:
    • Priority check-in at PAL Business Class counters at NAIA Terminals 1, 2, and 3
    • Dual currency billing
    • 24/7 domestic and international concierge services
    • Medical/Travel assistance
    • 0% interest on up to 24 monthly installments

Read more: Earn PAL Mabuhay Miles and Cebu Pacific GetGo Points Fast with These Credit Cards

Citi Grab Card

Best Co-Branded Credit Cards Philippines - Citi Grab Card

  • Annual Fee: PHP 2,500 (Free for the first year)
  • Interest Rate: 3.50%
  • Required minimum monthly income:
    • For existing cardholders: PHP 15,000
    • For first-time cardholders: PHP 20,833.33
  • Rewards:
    • 1 point per PHP 30 spend
    • 5x points + 5x bonus points on all Grab spend (5x bonus points valid until June 30, 2020) (2)
    • 3x points on dining, entertainment, and online subscriptions
  • Other perks:
    • Welcome gifts: Free 50 GrabRewards Points (upon completing credit card application), PHP 2,000 Grab vouchers (upon cash-in to GrabPay wallet using the Citi Grab card), and PHP 2,500 GrabPay credits (for new Grab cardholders only)
    • Grab Platinum Tier upgrade for the first six months (Prioritized booking on Grab rides with dedicated Platinum customer hotline)
    • 0% interest on up to 24 monthly installments

PNB – The Travel Club Platinum Mastercard

Best Co-Branded Credit Cards Philippines - PNB The Travel Club Platinum Mastercard

  • Annual Fee: No annual fee for life
  • Interest Rate: 3.25%
  • Minimum monthly income requirement: PHP 10,000
  • Discounts:
    • 20% off on all regular-priced TTC items on the cardholder’s birth month
    • 5% off at all TTC stores all year round
  • Rebate: 1% cashback on TTC installment purchases
  • Rewards:
    • 1 point per PHP 40 spend at TTC
    • 1 point per PHP 50 spend anywhere
    • Rewards points can be redeemed for Mabuhay Miles (1 point = 1 mile) or cash credits (4 points = PHP 1)
  • Freebies:
    • Waived repair service fee beyond the warranty period
    • Travel insurance of up to PHP 3 million
    • Purchase protection insurance
  • Other perks:
    • Dual currency billing
    • 0% interest on up to 24 monthly installments

Best Co-Branded Credit Cards for Fuel and Car Expenses

Shell Citi Card

Best Co-Branded Credit Cards Philippines - Shell Citi Card

  • Annual Fee: PHP 2,500 (Gold) / PHP 2,800 (Platinum)
  • Interest Rate: 3.50%
  • Required minimum monthly income:
    • For existing cardholders: PHP 15,000
    • For first-time cardholders: PHP 20,833.33
  • Rebates: Save as much as PHP 10,000 (for Gold cardholders) or PHP 15,000 (for Platinum cardholders) per year.
    • Up to 5% rebate on Shell fuel purchases
    • Up to 5% rebate on car repairs, accessories, and services nationwide
    • Up to 5% rebate on Auto Sweep RFID and Easy Trip tollway load purchases
  • Freebies: Free PHP 5,000 Shell fuel rebates as a welcome gift (for credit card applications until February 29, 2020)
  • Other perks: 24/7 emergency roadside assistance (for Platinum cardholders only)

Toyota Mastercard

Best Co-Branded Credit Cards Philippines - Toyota Mastercard

  • Annual Fee: PHP 2,500 (Free for the first year)
  • Interest Rate: 3.50%
  • Minimum monthly income requirement: PHP 15,000
  • Discounts: 10% off on genuine accessories, parts, and labor at all Toyota dealers
  • Rewards:
    • 1 point per PHP 20 spend anywhere
    • 2x points per PHP 20 spend at any Toyota dealer
  • Rebates: 3% rebate on fuel purchases at participating Petron stations nationwide
  • Other perks: 
    • 24/7 roadside assistance
    • 0% interest on up to 24 monthly installments

Hyundai MasterCard

Best Co-Branded Credit Cards Philippines - Hyundai Mastercard

  • Annual Fee: PHP 2,000
  • Interest Rate: 3.50%
  • Minimum monthly income requirement: PHP 15,000
  • Discounts: 10% off on preventive maintenance services parts and labor and selected accessories at all authorized Hyundai dealerships
  • Rebates: Rebates may be exchanged for Rustan’s Department Store gift certificates or vouchers that can be used at authorized Hyundai dealerships. Save as much as PHP 12,000 per year.
    • 5% rebate on fuel purchases at any gas station nationwide
    • 0.5% rebate on all other purchases worldwide
  • Freebies:
    • Welcome gift: PHP 1,000 Hyundai voucher
    • 24/7 roadside and medical or travel assistance

Phoenix RCBC Bankard Mastercard

Best Co-Branded Credit Cards Philippines - Phoenix RCBC Bankard Mastercard

  • Annual Fee: PHP 150 per month
  • Interest Rate: 3.50%
  • Discount: 5% off on Phoenix gasoline and diesel engine oils
  • Rebate: 5% rebate on fuel purchases at participating Phoenix gas stations nationwide. Save as much as PHP 6,000 per year.
  • Rewards:
    • 1 point per PHP 125 retail purchase anywhere
    • 1 point per PHP 250 utility payment
    • Accumulated points can be redeemed for air miles (4 points = 1 Mabuhay Mile/GetGo point/Asia Mile/BIG point), shopping vouchers, or cash credits to the RCBC Bankard
  • Freebies:
    • Welcome gift: PHP 500 Phoenix fuel credits
    • Up to three towing and roadside assistance per year
    • Free accident insurance
    • Travel Plus Lite insurance
    • Purchase protection insurance
  • Other perks: Access to the Skyview Airport Lounge

Read more: How Much Does It Cost to Own a Car?

Best Co-Branded Credit Cards for Dining

Burgoo Visa Card

Best Co-Branded Credit Cards Philippines - Unionbank Burgoo Credit Card

  • Annual Fee: PHP 1,500
  • Interest Rate: 3.50%
  • Discounts:
    • Up to 15% off dining transactions at Burgoo, Eat&Go, and Gumbo all year-round
    • Up to 20% birthday discount at Burgoo, Eat&Go, and Gumbo
  • Rewards: 1 point per PHP 20 spend (Accumulated points are redeemable for Burgoo dining vouchers.)
  • Freebies: Free appetizer on the first Burgoo Visa card transaction at any Burgoo branch
  • Other Perks:
    • 0% installment for 3-month terms on party packages at Burgoo, Eat&Go, and Gumbo
    • Credit life insurance of up to PHP 400,000 of the cardholder’s outstanding balance
    • 0% interest on up to 36 monthly installments

LJC – RCBC Bankard Mastercard

Best Co-Branded Credit Cards Philippines - LJC RCBC Bankard Mastercard

  • Annual Fee: PHP 80 per month
  • Interest Rate: 3.50%
  • Discounts:
    • 10% off the total bill at any LJC restaurant (Abe, Cafe Adriatico, Cafe Havana, Lorenzo’s Way, etc.)
    • Up to 50% discount on the cardholder’s birth month
    • Up to 10% frequent diner discount
  • Rewards: One point for every PHP 100 purchase redeemable for LJC restaurant dining vouchers
  • Freebies:
    • Welcome gift: Free bottle of wine
    • Free dining gift certificate on the card’s anniversary date

Racks Visa Card

Best Co-Branded Credit Cards Philippines - Racks Visa Card

  • Annual Fee: PHP 1,500
  • Interest Rate: 3.50%
  • Rewards: 1 point per PHP 20 spend (Accumulated points can be redeemed for Racks dining vouchers.)
  • Freebies:
    • Welcome gift: Free Classic Caesar Salad at any Racks branch
    • Free Mac and Cheese per PHP 500 food purchase
    • Free Memphis Pound Cake per PHP 1,000 food purchase
    • Free Carbonara per PHP 1,500 food purchase
    • Free Apple Pie A la Mode at any Racks branch during the cardholder’s birth month
  • Other perks:
    • Credit life insurance of up to PHP 400,000 of the cardholder’s outstanding balance
    • 0% interest on up to 36 monthly installments

Final Thoughts

If you’re shopping around for the best co-branded credit cards, pick one based on your lifestyle, budget, and needs. Consider where you’ll use your card most often. This way, you’ll maximize your savings and the benefits that come with the best co-branded credit cards for you.

Compare and apply for a credit card today!

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