Shopping for Gadgets? Choose the Best Credit Card for Electronics

Venus Zoleta

Venus Zoleta

Last updated October 01, 2022

Planning to buy gadgets anytime soon? Paying in cash for large purchases is great, but it would take months (or even years) to save up for a mid-range or high-end gadget that could cost 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. It lets you 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

If you’re going to get a credit card for electronics shopping, make sure it has the following features to maximize your purchase.

best credit card for electronics - features to consider

1. 0% Installment Plan

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

2. Offers 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. So get a card that lets you earn as many rewards points as possible for every purchase.

3. Free Purchase Protection Insurance

A helpful credit card feature, purchase protection insurance provides coverage on a gadget you bought with your card against theft or accidental damage within 90 days from the date of purchase.

4. 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, as the bank will reimburse you when something goes wrong with your purchased item.

Best Credit Card for Electronics Shopping: Top 11 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!

💳 Metrobank ON Virtual Mastercard

best credit cards for electronics - metrobank on virtual mastercard

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. Each time you use it to pay for your online purchase, you'll automatically receive a one-time password (OTP) on your mobile phone, which you'll input during checkout to complete your transaction. This OTP feature deters fraudsters from making unauthorized transactions using your credit card details.

Like other Metrobank credit cards, the ON Virtual Mastercard enables the cardholder to earn one rewards point for every ₱20 charged to the card. You can also avail of its installment program at any partner online merchant. Pay for your major electronics purchases in three to 24 months at 0% interest.

📌 Key Features and Benefits

  • Annual fee: ₱500 (free in the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
  • Rewards program: 1 rewards point for every ₱20 purchase
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💳 Citi Rewards Card

The Citi Rewards card 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 points (1 point per ₱30 spend) using the card, more so if it’s for buying electronics and gadgets.

You also get triple rewards points when you shop and dine. There's no limit on the points you can earn. Because points never expire, you can use them anytime to pay for purchases at participating establishments.

Moreover, you can receive gifts and rewards when you apply for a Citi credit card through Moneymax (and get approved subsequently).

📌 Key Features and Benefits

  • Annual fee: ₱2,500 (free in the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement:
    • ₱15,000 (for existing cardholders)
    • ₱20,833.33 (for first-time credit cardholders)
  • Rewards program: 1 rewards point for every ₱30 purchase

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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💳 HSBC Red Mastercard

best credit card for electronics - hsbc red mastercard

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. So just imagine 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 3, 6, 9, 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, Abenson, Automatic Centre, Camerahaus, PC Express, Powermac, Villman, Western Appliances, and more.

📌 Key Features and Benefits

  • Annual fee: ₱2,500 (free in the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱16,666.67
  • Rewards program: 1 rewards point per ₱20 purchase and 4 bonus points per ₱20 on overseas, online, dining, or shopping transactions
  • Card Installment Plan: 0% interest on up to 36 monthly installments
  • Balance transfer
moneymax hsbc xiaomi redmi soundbar gcash promo

💳 UnionBank Gold Visa Card

best credit card for electronics - UnionBank Gold Visa Card

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 one 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. For at least a ₱3,000 purchase using the card, you can choose to pay in installments for up to 36 months at 0% interest from partner electronic stores. Some participating partner establishments include Abenson, All Home, Anson's, Automatic Centre, Dell, Acer, Lenovo, Asus, Huawei, Digital Walker, Samsung, Power Mac Center, and Vivo.

📌 Key Features and Benefits

  • Annual fee: ₱2,500
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱30,000
  • 1 rewards point per ₱35 spend
  • 0% interest on up to 36 monthly installments
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💳 RCBC Bankard Flex Visa

best credit cards for electronics - rcbc flex visa

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

It offers contactless payment through its Visa PayWave feature.[1] This allows for faster and safer transactions when buying smartphones, tablets, or laptops.

You can also convert all your straight purchases online or overseas into installments and pay 0% interest for three months. There's also the UNLI Installment feature, where you can pay up to 36 months at a minimal interest rate.

📌 Key Features and Benefits

  • Annual fee: ₱1,500
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
  • 2x rewards on two preferred categories (Choose from dining, clothing, travel, or transportation.)
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💳 PNB Platinum Mastercard

best credit card for electronics - pnb platinum

PNB is one of the few credit card providers in the Philippines that offer 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.

📌 Key Features and Benefits

  • Annual fee: ₱3,000
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱50,000
  • Rewards program: 1 rewards point or 1 Mabuhay Mile per ₱70 purchase / ₱1 cash credit per ₱280 purchase
  • Zero % Affordable Payment Plan: 0% interest on installments up to 24 months
  • Up to ₱3 million travel insurance
  • Fraud transaction insurance
  • Balance transfer

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💳 Metrobank World Mastercard

best credit card for electronics - metrobank world mastercard

Metrobank's most premium credit card is a good choice among the best credit cards for electronics if you often purchase products from your favorite gadget brands—and your income is enough to afford them.

Packed with the right features for tech enthusiasts, the Metrobank World Mastercard offers Mastercard E-Commerce Protection against 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 3, 6, 9, 12, 18, or 24 monthly installment terms. Plus, cardholders get to enjoy a wide range of Metrobank credit card promos.

📌 Key Features and Benefits

  • Annual fee: ₱6,000 (free in the first year)
  • Interest rate: 2%
  • 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
  • Double rewards points for international purchases
  • 0% installment program: Up to 24 monthly installments
  • High credit limit
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💳 BPI Amore Cashback Card

best credit card for electronics - BPI Amore Cashback

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 like All Home, Anson's, Sony Centre by Avid, AV Surfer, Power Mac Center, Abenson, Automatic Centre, Digital Walker, and Western Appliances to avail of these payment options.

📌 Key Features and Benefits

  • Annual fee: ₱2,050 (free in the first year)
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱15,000
  • As much as 4% cashback
  • Installment of up to 36 months
  • Buy now, pay up to three months later

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💳 Security Bank Gold Rewards Mastercard

best credit card for electronics - Security Bank Gold Rewards Mastercard

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

And 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.

Some participating establishments include Data Blitz, Power Mac Center, Beyond the Box, Acer, Electroworld, iStudio Digital Hub, Lenovo, Samsung, and Complink.

Alternatively, you can convert your straight purchases to installments through the ChargeLight feature. Pay for your purchases in 3, 6, 9, 12, 18, or 24 months for an add-on rate of 1%.

📌 Key Features and Benefits

  • Annual fee: ₱2,500
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱40,000
  • Rewards program: 1 rewards point per ₱20 spend
  • Installment of up to 12 months
  • Buy now, pay later feature

💳 HSBC Gold Visa Cash Back

best credit card for electronics - HSBC Gold Visa Cash Back

Everyone can feel the effects of inflation these days. As a result, you want more savings with your every purchase. The HSBC Gold Visa Cash Back credit card lets you earn cash back with your dining and department store transactions, overseas purchases, and all other transactions.

Moreover, you can enjoy a 0% installment of up to 36 months when you shop for electronics and appliances at any partner merchants.

Pay up to 24 months at 0% interest when you shop at Power Mac Center, Henry's Cameras, Fone Style, Abenson, Silicon Valley, Switch, PC Express, and Automatic Centre. You can also enjoy installments of up to 36 months at Gigahertz, Sony Centre by Avid, Octagon, TCA Digital, iStudio, Villman, and Western Appliances.

📌 Key Features and Benefits

  • Annual fee: ₱2,500
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱16,666
  • Up to 5% cashback
  • 3% rebate on Caltex fuel purchases
  • Exclusive travel privileges

APPLY-NOW

💳 AUB Gold Mastercard

best credit card for electronics - AUB Gold Mastercard

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 one reward 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 Our Home, SM Appliance, TCA Digital Square, Android Zone, Cloudfone, Easy PC, iStudio, Oppo, Silicon Valley, and Stormtech, just to name a few.

📌 Key Features and Benefits

  • Annual fee: Free for life
  • Interest rate: 2%
  • Minimum monthly income requirement: ₱50,083
  • Rewards program: 1 rewards point per ₱50 spend
  • Option to choose your due date
  • Installment of up to 36 months

Final Thoughts

These best credit cards for electronics make paying for your favorite tech products easier on the budget. They also 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 even greater thing about it is you can receive exclusive rewards for your successful credit card application!

Discover other top credit cards in the Philippines:

Looking for the best credit card for you? Below is a list of top credit card features with discounts and other perks. Compare credit cards with Moneymax!

CategoryDescription
No Annual Fee Credit CardsWant to save money with your credit card? Skip the annual fees with these top cards.
Rewards Credit Cards
Earn more rewards points with these best rewards credit cards! Ideal for online shopping and everyday spending.
Cashback Credit CardsEarn cash rebates with every purchase with a cash back credit card. Ideal for groceries and dining.
Travel Credit CardsAre you a frequent traveler? These best travel credit cards are ideal for racking up air miles and other travel rewards.

Source: [1] Visa payWave Contactless

 

Venus leads the blog content strategy and optimization at Moneymax as the Head of Editorial Content. She has 15+ years of experience in content marketing, corporate communications, and public relations. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. Before joining Moneymax, Venus had written informative guides and articles, specializing in personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. A hardcore Hallyu Tita, she enjoys bingeing K-dramas on Netflix while bonding with her rescued cats. Follow Venus on LinkedIn.