Save Money with These Co-branded Credit Cards

by Venus Zoleta, on category "Credit Card,Product Overviews"

June 12, 2018


Best Co-Branded Credit Cards in the Philippines | MoneyMax.ph

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

BDO Forever 21 Mastercard

Best Co-branded Credit Cards - BDO Forever 21 Mastercard | MoneyMax.ph

  • Annual Fee: PHP 200 per month (waived for the first year)
  • Interest Rate: 3.25%
  • Discounts: 10% off daily for a minimum purchase of PHP 3,000 and 21% off on Fridays for a minimum purchase of PHP 5,000 at Forever 21
  • Rebate: 10% cashback for a minimum purchase of PHP 5,000 anywhere on the cardholder’s birthday
  • Rewards: Triple points for every PHP 200 spent at Forever 21 and one point or every PHP 200 spent locally and abroad
  • Other Perks: Priority access to sale events and special lanes at the dressing rooms and payment counters in all Forever 21 branches in the Philippines

BPI-Ayala Malls Amore Visa

Best Co-branded Credit Cards - BPI-Ayala Malls Amore Visa | MoneyMax.ph

  • Annual Fee: PHP 2,050
  • Interest Rate: 3.50%
  • 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% cashback (restaurants)
    – 3% (clothing and accessories)
    – 1% (department stores, supermarkets, drug stores, utilities, 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

HBC-RCBC Bankard Mastercard

Best Co-branded Credit Cards - HBC-RCBC Bankard Mastercard | MoneyMax.ph

  • Annual Fee: PHP 80 per month
  • Interest Rate: 3.54%
  • Discounts: Up to 10% off at partner merchants (Automatic Centre, BLIMS Fine Furniture, SOGO Home & Office Center, SilverWorks, Manels, and Tree Top Adventure) plus special discounts on new HBC products
  • Rebates: Up to 10% cashback for HBC purchases plus standard 0.25% rebate for purchases outside HBC
  • Freebies: Free facial on the cardholder’s birthday
  • Other Perks: Access to Quarterly Members-Only Sale and special events (hairstyling and makeup seminars)

Mercury Drug Citi Visa

Mercury Drug Citi Visa

  • Annual Fee: PHP 2,000
  • Interest Rate: 3.50%
  • Rebates: Save as much as PHP 9,600 per year.
    – Up to 10% cashback on Mercury Drug purchases
    – Up to 10% cashback on participating hospital bills
    – Standard 0.25% rebate on all other purchases
  • Freebies: Welcome gift and free 24/7 ambulance service worth PHP 10,000 within Metro Manila once a year

Robinsons Mastercard Gold

Best Co-branded Credit Cards - Robinsons Mastercard Gold | MoneyMax.ph

  • Annual Fee: PHP 3,000 (waived for the first year)
  • Interest Rate: 3.54%
  • Discounts and Freebies: 10% to 80% discounts and freebies from M Here partners (Giordano, Timex, Hush Puppies, Hanamaruken, Sangkap, Status Hair Salon, Dentacare, etc.)
  • Rebate: PHP 250 rebate for every 500 shopping points earned from Robinsons stores
  • Rewards:
    – Triple shopping points for every PHP 200 purchase at any Robinsons store
    – Double shopping points for every PHP 200 purchase abroad
    – One shopping point for every PHP 200 purchase anywhere
  • Other Perks: Robinsons Rewards Card (Earn 1 Robinsons rewards point equal to PHP 1 for every 2 shopping points) and GetGo Loyalty Program (Earn 1 GetGo point for every 1 shopping point)

The North Face Visa

Best Co-branded Credit Cards - The North Face Visa | MoneyMax.ph

  • Annual Fee: PHP 1,500 (waived 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: One point for every PHP 20 purchase anywhere
  • Freebies: Free TNF premium item for every P10,000 accumulated purchase at TNF stores within three consecutive months and 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)

Best Co-branded Credit Cards for Travel

Cathay Pacific American Express Elite Credit Card

Best Co-branded Credit Cards - American Express Cathay Pacific Elite Card | MoneyMax.ph

  • Annual Fee: PHP 5,000 (waived for the first year)
  • Interest Rate: 3.25%
  • Discounts: 10% savings on Asia Miles Gift Miles purchases, mileage renewal fee, and mileage transfer fee through the Asia Miles website
  • Rewards:
    – One Asia Mile for every PHP 38 purchase in the Philippines
    – Two Asia Miles for every PHP 50 overseas purchase
    – Two Asia Miles for every PHP 38 spent on flight booking at the Cathay Pacific website
  • Freebies: 3,000 bonus Asia Miles with the very first purchase and upon card anniversary (PHP 500,000 spent per year); first-year enrollment fee waiver for Marco Polo Club membership
  • Other Perks: Comprehensive travel accident and inconvenience protection insurance; 24/7 customer service and concierge service

Cebu Pacific GetGo Platinum Credit Card

Best Co-branded Credit Cards - Cebu Pacific GetGo Platinum Credit Card | MoneyMax.ph

  • Annual Fee: PHP 5,000
  • Interest Rate: 3.50%
  • Rewards: One GetGo point for every PHP 30 purchase
  • Freebies: 5kg extra baggage allowance on Cebu Pacific flights, airport lounge access, 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

PNB-PAL Mabuhay Miles World Mastercard

Best Co-branded Credit Cards - PNB-PAL Mabuhay Miles World Mastercard | MoneyMax.ph

  • Annual Fee: PHP 6,000
  • Interest Rate: 2.70%
  • Rewards: One Mabuhay Mile for every PHP 33 purchase
  • Freebies:
    – 2,000 Mabuhay Miles welcome gift
    – 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 Terminal 2
    – Dual currency billing
    – 24/7 domestic and international concierge services
    – Medical/Travel assistance

PNB-The Travel Club Platinum Mastercard

Best Co-branded Credit Cards - PNB-The Travel Club Platinum Mastercard | MoneyMax.ph

  • Annual Fee: Waived for life
  • Interest Rate: 3.25%
  • Discounts: 20% off on all regular-priced TTC items on the cardholder’s birth month and 5% off at all TTC stores all year round
  • Rebate: 1% cashback on TTC installment purchases
  • Rewards: One point for every PHP 40 TTC purchase and PHP 50 purchase 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

Best Co-branded Credit Cards for Fuel and Car Expenses

BDO LausAutoGroup Mastercard

Best Co-branded Credit Cards - BDO LausAutoGroup Mastercard | MoneyMax.ph

  • Annual Fee: PHP 200 per month (waived for the first year)
  • Interest Rate: 3.25%
  • Discount: 10% off on all LausAutoGroup dealership parts and services
  • Rewards: 10 Peso points for every PHP 200 fuel purchase nationwide, which can be redeemed for products and services from participating LausAutoGroup dealerships. Save as much as PHP 9,000 per year.

Hyundai MasterCard

Best Co-branded Credit Cards - Hyundai Mastercard | MoneyMax.ph

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

Phoenix RCBC Bankard Mastercard

Best Co-branded Credit Cards - Phoenix RCBC Bankard Mastercard | MoneyMax.ph

  • Annual Fee: PHP 150 per month
  • Interest Rate: 3.54%
  • Discount: 5% off on Phoenix gasoline and diesel engine oils
  • Rebate: 5% on Phoenix fuel purchases. Save as much as PHP 6,000 per year.
  • Rewards: One point for every PHP 125 retail purchase or PHP 250 utility payment that 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: PHP 500 Phoenix fuel welcome gift, three towing and roadside assistance per year, accident insurance

Best Co-branded Credit Cards for Dining

Burgoo Visa Card

Best Co-branded Credit Cards - Burgoo Visa Card | MoneyMax.ph

  • Annual Fee: PHP 1,500
  • Interest Rate: 3.50%
  • Discounts: Up to 15% off dining transactions all year-round and up to 20% birthday discount at Burgoo, Eat&Go, and Gumbo
  • Rewards: One point for every PHP 20 purchase 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

LJC-RCBC Bankard Mastercard

Best Co-branded Credit Cards - LJC-RCBC Bankard Mastercard | MoneyMax.ph

  • Annual Fee: PHP 80 per month
  • Interest Rate: 3.54%
  • Discounts:
    – 10% off the total bill at any LJC restaurant (Abe, Cafe Adriatico, Cafe Havana, Lorenzo’s Way, etc.)
    – One-person 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: Bottle of wine welcome gift voucher

The Bistro Group Visa

Best Co-branded Credit Cards - The Bistro Group Visa | MoneyMax.ph

  • Annual Fee: PHP 2,500 (waived for the first year)
  • Interest Rate: 3.54%
  • Discounts: 20% off the total bill in any Bistro Group restaurant in the Philippines (TGI Fridays, Italianni’s, Bulgogi Brothers, Watami, etc.) plus 10% to 80% discounts and freebies from M Here partners (Giordano, Timex, Hush Puppies, Hanamaruken, Sangkap, Status Hair Salon, Dentacare, etc.)
  • Rewards: One point for every PHP 20 purchase that can be redeemed for air miles from Cathay Pacific, Philippine Airlines, or Singapore Airlines

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 a co-branded credit card.
Credit Cards | MoneyMax.ph