Get Your Gizmos: 15 Best Credit Cards for Electronics Purchases

Planning to buy gadgets anytime soon? Paying in cash for large purchases is great, but it could take months (or even years) to save up for a mid-range or high-end gadget that probably costs more than your monthly salary.

This is why using a credit card to pay for big-ticket items such as mobile phones, laptops, cameras, and speakers makes a sensible choice. You can rack up more rewards points and make your payments more manageable.

Here are some of the best credit cards for electronics to help you get the most bang for your buck.

Best Credit Card for Electronics: 4 Must-Have Features

What are the best credit cards in the Philippines for electronics purchases? First, make sure it has the following features to maximize your purchase.

✔️ 0% Installment Plan

A credit card offering flexible installment terms at 0% interest makes payments easier on the budget. Instead of getting charged the full price for the next billing cycle, divide it into more affordable installments ranging from three to 36 months.

✔️ Generous Rewards

It’s easy to maximize credit card rewards if you use your card mostly for large purchases such as smartphones, tablets, cameras, and laptops. Get a card that lets you earn as many rewards points as possible for every purchase.

✔️ Free Purchase Protection Insurance

A helpful credit card feature, purchase protection insurance provides coverage against theft or accidental damage within 90 days from the date of purchase.

✔️ Credit Card Promos for Gadget Purchases

Every now and then, credit card providers offer exclusive promos such as discounts, rebates, freebies, and extended warranties to cardholders. An extended warranty, in particular, is a great promo to avail of, as the bank will reimburse you when something goes wrong with your purchased item.

Best Credit Card for Electronics Shopping: Top 16 Options

Looking for the best credit for appliances? How about the best credit card for a laptop purchase? We’ve listed some of the best options here so you can easily compare and take your pick!

Credit Card	Perks
HSBC Red Mastercard	1 point per ₱20 purchase and 4x bonus points per ₱20 on overseas, online, dining, or shopping transactions 0% interest on up to 36 monthly installments
HSBC Gold Visa Cash Back	Up to 5% cashback
Metrobank Platinum Mastercard®	1 rewards point for every ₱20 purchase E-commerce purchase protection worth up to US$200 0% interest installment  Up to 50% off on exclusive deals
Metrobank World Mastercard®	1 rewards point per ₱20 purchase 0% Installment program: Up to 24 monthly installments at zero interest 2x rewards points for international purchases High credit limit
Security Bank Gold Mastercard	1 rewards point per ₱20 spend Installment of up to 12 months Buy Now, Pay Later feature

Take a closer look at the cards above and discover more options below:

💳 UnionBank Classic Visa Card

📌 Key Features and Benefits

• Annual fee: ₱1,500 (free for life if you apply and get approved on or before July 31, 2023)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Rewards program: 1 rewards point for every ₱35 purchase

UnionBank's Classic Visa has one of the best credit card rewards programs in the Philippines, making it a great choice in our list of best credit cards for electronics. It’s easy to accumulate rewards points (one point per ₱35 spend) using the card. Use your points to redeem shopping gift certificates, cash rebates, annual fee waivers, travel rewards, and more.

If you’re after great deals and discounts, be on the lookout for UnionBank’s partnerships with reputable tech brands and appliance retailers, such as Power Mac Center, The Loop, ACE Hardware, SM Store, and Shopee, among others. 

💳 UnionBank Gold Visa Card

📌 Key Features and Benefits

• Annual fee: ₱2,500 (free for life if you apply and get approved on or before July 31, 2023)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• 1 rewards point per ₱35 spend
• 0% interest on up to 36 monthly installments

Aside from its great travel rewards and airport lounge access, this UnionBank credit card is also one of the best credit cards for electronics shopping, especially if you’re after non-expiring rewards points.

It lets cardholders earn 1 point for every ₱35 spend. You can also enjoy the in-house installment facility for lighter monthly payments on your big purchases.

The 0% installment plan is also available on the UnionBank Gold Visa Card. On top of this feature, the card entitles you to certain perks and discounts at UnionBank’s partner brands and retailers, such as Power Mac Center, The Loop, ACE Hardware, SM Store, and Shopee. 

💳 HSBC Red Mastercard

📌 Key Features and Benefits

• Annual fee: ₱2,500 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• 1 point per ₱20 purchase and 4x bonus points per ₱20 on overseas, online, dining, or shopping transactions
• 6% rebate on first Caltex fuel purchase; 3% rebate all year round
• 0% interest on up to 36 monthly installments
• Balance transfer

HSBC allows Red Mastercard cardholders to quickly rack up rewards points using their card. Every ₱20 charged to the card earns one point.

Online, overseas, dining, and shopping transactions earn four bonus points through its Accelerated Rewards program. Imagine just how fast you can accumulate points when you use your card for big-ticket items like gadgets!

Another notable feature of the HSBC Red Mastercard is the Card Installment Plan. Using the card, you can pay for purchases in three, six, nine, 12, 18, or 36 monthly installments at partner merchants such as Nespresso, Beyond the Box, Digital Walker, Huawei, Aerophone, Ambassador Appliances, Sony Centre by Avid, Gigahertz, Octagon, Robinsons Appliance, Silicon Valley (also online), Abenson (also online), Automatic Centre, Camerahaus, PC Express, Power Mac Center (also online), VillMan, Western Appliances (also online), and more.

💳 HSBC Gold Visa Cash Back

📌 Key Features and Benefits

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• Up to 5% cashback
• 3% rebate on Caltex purchases all year round
• Exclusive travel privileges

If you want to reap the rewards of being an avid spender, go for the HSBC Gold Visa Cash Back credit card. Earn up to a 5% rebate on dining all year round and a 1% rebate on online transactions and department store purchases during select months. 

Moreover, enjoy a 0% installment of up to 36 months when you shop for electronics and appliances at any partner merchant. Planning to get a new personal computer? HSBC Gold Visa Cash Back lets you enjoy a PC Express installment plan. It’s also the best credit card for appliance purchases, as the bank partners with Automatic Centre, Abenson, and Western Appliances.

💳 Metrobank Platinum Mastercard® 

📌 Key Features and Benefits

• Annual fee: ₱5,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱58,333
• 1 rewards point for every ₱20 purchase
• E-commerce purchase protection worth up to US$200
• Up to 50% off on dining offers 
• 0% interest installment 
• Up to 50% on exclusive deals 

The Metrobank Platinum Mastercard® may be known as a foodie’s buddy because of its generous discounts on dining offers. But it’s also one of the best credit cards for electronics purchases, as it comes with a 50% discount at select merchants, including tech retailers. 

Save big if you choose to buy your gadgets and gizmos in installments. The card comes with 0% interest installment plans available in the following terms: three, six, nine, 12, 18, and 24 months. 

Should you decide to buy your gadget online, you also get to enjoy e-commerce purchase protection up to US$200. Watch out for some tech promos, as Metrobank usually partners with brands like Power Mac Center and Silicon Valley. 

💳 Metrobank World Mastercard®

📌 Key Features and Benefits

• Annual fee: ₱6,000 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱333,333.33
• Rewards program: 1 rewards point per ₱20 purchase
• 0% Installment program: Up to 24 monthly installments at zero interest
• 2x rewards points for international purchases
• High credit limit

Metrobank's most premium credit card is also a good choice for electronics purchases. Packed with the right features for tech enthusiasts, the Metrobank World Mastercard® comes with Mastercard E-Commerce Protection. This is an automatic worldwide insurance policy that protects your purchase from losses like damage or defect in delivery, wrong or incomplete items, and non-delivery of items.

The World Mastercard® also has a high credit card limit that allows large purchases such as high-end smartphones, laptops, and cameras. Paying for gadgets bought using this Metrobank credit card is made easy through three, six, nine, 12, 18, or 24 monthly installment terms. Plus, cardholders get to enjoy a wide range of Metrobank credit card promos.

💳 Security Bank Gold Mastercard

📌 Key Features and Benefits

• Annual fee: ₱2,500 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000
• Rewards program: 1 rewards point per ₱20 spend
• Installment of up to 12 months
• Buy Now, Pay Later feature

Looking for more options for the best credit card for electronics purchases? Check out the Security Bank Gold Rewards Mastercard. With its higher credit limit, you’ll be able to make bigger purchases and earn more rewards points.

Earn 1 rewards point with every ₱20 you spend. The more points you earn, the quicker you can redeem items from the rewards catalog.

If you’re going to shop for electronics online, you’ll receive a one-time password every time to confirm the transaction. This adds another layer of security whenever you’re shopping online.

With your Security Bank Gold Rewards Mastercard, you can pay later in easy monthly installments. Shop at any partner merchant with the Pay Later logo, choose your payment tenor (up to 12 months), and get your new gadget or home appliance.

Alternatively, you can convert your straight purchases to installments through the ChargeLight feature. Pay for your purchases in three, six, nine, 12, 18, or 24 months for an add-on rate of 1%.

💳 Security Bank Complete Cashback Mastercard

​​📌 Key Features and Benefits

• Annual fee: ₱3,000 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱65,000
• Up to 5% rebates on essential spend categories
• Online purchase protect insurance worth $200
• Exclusive promos all year round 

Smart spenders will love the Security Bank Complete Cashback Platinum Mastercard. It has five-tiered rebates: 5% cash back on groceries, 4% cashback on gas, 3% cashback on utilities, 2% cashback on dining, and 1% cashback on shopping. This definitely comes in handy if you’re buying a gadget or an appliance. 

Use it to avail of ChargeLight, Security Bank’s 0% interest installment program for cardholders with good credit standing. You can apply this payment arrangement to purchases from the following shops: Abenson, Power Mac Center, Electroworld, and Henry’s Cameras.

💳 BPI Amore Cashback Card

📌 Key Features and Benefits

• Annual fee: ₱2,050 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• As much as 4% cashback
• 0% interest installment
• Buy Now, Pay Later payment scheme

The BPI Amore Cashback card is an excellent option for cardholders who want the most value for their purchases. Whether you’re shopping for electronics or essentials in-store or online, you get cashback with your purchases.

Aside from earning as much as 4% cashback on local supermarket purchases, you can also enjoy several installment payment options with your BPI Amore Cashback card. This makes it one of the best credit cards for appliance purchases or laptop credit card installments.

Furthermore, with its Buy Now, Pay Later feature, you can pay for big-ticket items like laptops, appliances, and other electronics up to three months later. Increase your installment limit with the Bonus Madness Limit, or convert your straight purchases to installments at an affordable add-on rate.

Shop at partner merchants Power Mac Center, Abenson, and Anson’s to avail of these payment options.

💳 Metrobank Rewards Plus Visa 

​​📌 Key Features and Benefits

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱29,167
• 1 rewards points for every ₱20 spend
• 0% interest installment
• 2x rewards points on gadgets, electronics, transportation, telecommunications, and online spend 

Looking for the best credit card for appliance purchases? How about the best credit card to buy a laptop? 

The Rewards Plus Visa is the best credit card for electronics shopping from Metrobank. It gives you up to 2x rewards points when you shop for gadgets and electronics. This rewards scheme also applies to other purchases, such as telecommunications, delivery services, and online spend. 

If your dream gadget comes with a hefty price tag, you can still get it with the card’s 0% interest installment. Divide your monthly payments into up to 24 months. 

💳 Metrobank ON Virtual Mastercard®

​​📌 Key Features and Benefits

• Annual fee: ₱500 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• 1 rewards point for every ₱20 purchase
• E-commerce protection

Do you buy gadgets online? Consider the Metrobank ON Virtual Mastercard®, which is one of the best credit cards for electronics in e-commerce stores.

Designed for online shoppers, this Metrobank credit card allows a more secure transaction over the internet compared to traditional cards. Like other Metrobank credit cards, the ON Virtual Mastercard® enables the cardholder to earn 1 rewards point for every ₱20 charged to the card. 

Avail of its installment program at any partner online merchant. Pay for your major electronics purchases in three to 24 months at 0% interest. Your online purchases are also protected by automatic worldwide insurance.^[1]

💳 UnionBank Lazada Mastercard

📌 Key Features and Benefits

• Annual fee: ₱3,000 (free in the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000
• 6x Lazada credits for every ₱200 spend using the app
• Exclusive discounts from select Lazada sellers and merchants 

Lazada is one of the major purveyors of tech and appliance brands, such as Samsung, Apple, Xiaomi, Philips, LG, and more. If you shop here frequently, the best electronic credit card for electronics purchases is none other than the UnionBank Lazada Mastercard. 

This card rewards you with 6x Lazada credits every time you spend ₱200 on the app. On top of that, it entitles you to exclusive discounts from select Lazada retailers. 

With the UnionBank Lazada Mastercard, you’ll receive ₱50 monthly shipping vouchers. You also get ₱500 discount vouchers for five major Lazada sales all year round.^[2]

Read more: Moneymax Reviews: Online Shopping Overload with UnionBank Lazada Credit Card

💳 RCBC Flex Visa

📌 Key Features and Benefits

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• 2x rewards for two preferred categories (choose from dining, clothing, travel, or transportation)
• Spending categories can be changed once every billing cycle

Apart from earning 2x rewards for your two preferred categories, the RCBC Flex Visa lets you earn rewards with all kinds of spending.

It offers contactless payment through its Visa PayWave feature.^[3] This allows for faster and safer transactions when buying smartphones, tablets, or laptops.

This card entitles you to worry-free shopping with 0% installment for up to 36 months. There's also the UNLI Installment feature, which allows you to convert your straight purchases into installments for up to 36 months.

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

💳 PNB Platinum Mastercard

📌 Key Features and Benefits

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• 1 rewards point or 1 Mabuhay Mile per ₱70 purchase 
• Zero % Affordable Payment Plan: 0% interest on installments up to 24 months
• Up to ₱3 million travel insurance
• Fraud transaction insurance
• Balance transfer

PNB is one of the credit card providers in the Philippines that offers purchase protection insurance. Gadgets bought using the PNB Platinum Mastercard are covered against theft and accidental damage (up to ₱250,000 per year) for 90 days from the purchase date.

For a minimal fee of ₱120 per year, PNB cardholders can avail of fraud transaction insurance that will protect them against unauthorized charges when their card is lost/stolen or used to make fraudulent transactions.

Rewards points earned from the Platinum Mastercard can be used to redeem cash credits or Mabuhay Miles. On top of that, cardholders can also avail of PNB credit card promos.

Paying for gadget purchases is also easy and affordable through the Zero % Affordable Payment Plan (ZAPP). Avail of 0% installments of up to 24 months when you shop at partner merchants.

💳 AUB Gold Mastercard

📌 Key Features and Benefits

• Annual fee: Free for life
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Option to choose your due date
• Installment of up to 36 months

With the annual fee waived for life and the option to choose your due date on any day of the month, the AUB Gold Mastercard is another must-have for people who want flexibility in their credit cards. You can also earn 1 rewards point with every ₱50 spend.

The Flexipay 0% Installment Program allows you to pay up to 36 months for a minimum purchase of ₱3,000. Avail of the installment plan at participating merchants like SM Appliance, TCA Digital Square, Android Zone, Easy PC, iStudio, Oppo, Silicon Valley, and Stormtech, just to name a few.

Read more: Do More with Your Card: Top AUB Credit Card Promos This 2023

Final Thoughts

These best credit cards for electronics make paying for your favorite tech products easier on the budget. Make sure to maximize the perks of owning your card.

If you can’t decide yet which card to get, compare different credit cards online for free through Moneymax. It’s easy and uncomplicated―you can even start your online credit card application in the Philippines without leaving the website. And the best thing about it is you can receive exclusive rewards for your successful credit card application!

Looking for the best credit card? Compare credit cards and apply through Moneymax. Click the banner below to get started. 

Sources: 

• ^[1] Metrobank ON Virtual Mastercard®
• ^[2] UnionBank Lazada Credit Card
• ^[3] Visa payWave Contactless