Best Credit Cards in the Philippines: There’s One for Every Lifestyle

Now that more Filipinos are turning to cashless payments, having a credit card is no longer just a status symbol. Rather, it's a necessity.

Credit cards make payments more convenient, safe, and easy on the budget. They can also help you manage your finances, as long as you get the right one and use it responsibly.

If getting your finances in order is one of your goals, then you need to find the credit card that suits your needs best. Here's a comprehensive list of the best credit cards in the Philippines for different spending categories this 2023.

What is the Best Credit Card in the Philippines?

There's no single credit card that works best for everyone. Your choice would still depend on your budget, needs, lifestyle, spending habits, priorities, and preferences, among others. Also, each credit card in the Philippines is made for a specific type of cardholder.

Consider these important factors so you can easily trim down your choices and decide on the best credit card in the Philippines to get.

3 Things to Consider When Choosing the Best Credit Card for You

👉 Minimum Income and Other Requirements

You should first check the eligibility and documentary requirements for the credit cards you're considering. For example, if you're earning below the minimum income requirement of a certain card you like, chances are the bank won't approve your application.

👉 Credit Card Fees and Charges

Pay close attention to the annual fee, late payment fee, and overlimit fee. If you plan to use a credit card abroad, you must also take a look at the foreign currency transaction fee.

These credit card fees may not seem much, but they add up over time. To save money, compare the fees and charges of different credit cards and go for the one that offers the best features with the lowest fees. Ideally, get a no annual fee for life credit card in the Philippines—it can save you up to ₱6,000 a year.

👉 Credit Card Rewards, Cashback, and Other Perks

Look for credit cards that offer the most attractive deals such as rewards, rebates, discounts, and freebies for the categories you spend on the most, like dining, groceries, fuel, online purchases, and more gadgets. Find out how much and how fast you can earn such perks.

This way, you can fully enjoy the benefits of a credit card. Because aside from payment convenience, that's what credit cards are for, right?

Here's a quick look at some of the best credit cards in the Philippines:

Credit Card	Best For	Key Features
UnionBank Rewards Credit Card	Rewards	1 point per ₱30 spend 3x points for shopping and dining in the Philippines and overseas Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more
Metrobank World Mastercard®	Dining	Up to 50% off on dining deals 1 rewards point for every ₱20 spend  2x rewards points for every ₱20 international spend
HSBC Platinum Visa Rebate	Travel	5% cashback on travel transactions Free travel insurance 6% rebate on the first Caltex fuel purchase plus a 3% fuel rebate all year round
Security Bank Complete Cashback Mastercard	Cashback	5% cashback on groceries 4% on fuel 3% on utilities 2% on dining 1% on shopping
BPI Blue Mastercard	Beginners	Low income requirement of  ₱15,000 Low annual fee of ₱1,550 (waived for the first year)
Petron-BPI Mastercard	Fuel Purchases and Auto Services	3% fuel rebate at participating Petron stations nationwide Free ₱200 fuel voucher for first-time cardholders
UnionBank Lazada Credit Card	Online Shopping	₱6 Lazada Credits per ₱200 spend at Lazada, ₱1 Lazada Credit per ₱200 spend elsewhere Welcome gift: ₱5,000 Lazada Wallet Credits Free monthly shipping of up to ₱50  Free discount vouchers worth ₱500

 

For more details and credit card options, keep reading!

Best Credit Cards in the Philippines for Beginners

💳 BPI Blue Mastercard

• Annual fee: ₱1,550 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Other eligibility requirements:
  • 21 to 60 years old
  • Any government-issued and signed ID
  • Original Certificate of Employment and Income (COEI)
  • Two months' worth of original payslips

Looking for a credit card with a low income requirement, a low annual fee, and flexible installment plans? The BPI Blue Mastercard is the sensible choice for beginners. 

This is also the best credit card in the Philippines this 2023 for newbies who want to earn rewards. For every  ₱35 you spend, you earn 1 rewards point. You can redeem those points for air miles, gift vouchers, and shopping credits.

💳 UnionBank Classic Visa Card

• Rewards rate: 1 point per ₱35 spend
• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

Points earned with the UnionBank Classic Visa Card can be used for redeeming SM GCs, Rustans GCs, cash rebates, annual fee waivers, and more. You can also use this credit card to automate bills payment and enjoy 0% installment plans. 

If you value peace of mind, this card gives you free life insurance coverage of up to ₱400,000. It also allows you to pay your car insurance in installments.

💳 AUB Classic Mastercard

• Annual fee: No annual fee for life
• Interest rate: 3%
• Minimum monthly income requirement: ₱21,000
• Other eligibility requirements:
  • 21 to 65 years old
  • Mobile number and home or office landline number
  • Active email address
  • At least one-year regular employment status/profitable business operation/practice of a profession

All AUB credit cards' annual fees are waived for life. But the easiest to own are the Classic Mastercard and Easy Mastercard because of their lower income requirement. They're also the most flexible in terms of monthly payment frequency, due date, and minimum amount due.

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

Best Rewards Credit Cards in the Philippines

🎁 UnionBank Rewards Credit Card

• Rewards rate: 
  • 3x non-expiring reward points when you shop and dine here and abroad
  • 1 non-expiring reward point for every ₱30 spend
• Interest rate: 3%
• Annual fee: ₱2,500 (free for life if you apply and get approved on or before September 30, 2023)
• Minimum monthly income requirement: ₱15,000

If you're looking for the best credit card to earn rewards, the UnionBank Rewards Credit Card is a foolproof option. Love traveling, shopping, and exploring new cuisines? You can earn 3x non-expiring reward points when you shop and dine here and abroad. Plus, you earn 1 non-expiring reward point for every other spend worth. 

Use your accumulated points to redeem merchandise, cash credits, points transfers, and other rewards.

🎁 Metrobank Titanium Mastercard^® 

• Rewards rate:
  • 1 rewards point for every ₱20 spend
  • 2x rewards points on dining, department store, and online purchases

• Interest rate: 3%
• Annual fee: ₱2,500 (waived for carded first-time Metrobank cardholders who apply until February 29, 2024 and meet an annual spend of ₱180,000)
• Minimum monthly income requirement: ₱15,000

If you frequently shop online, the Metrobank Titanium Mastercard^® will make the experience not just convenient but also secure. For instance, the card comes with e-commerce protection, which provides insurance coverage for your items in case they get lost or damaged along the way. This feature even applies to international purchases. 

The Metrobank Titanium Mastercard^® is the best credit card in the Philippines for those who usually pay for big-ticket purchases. It comes with 0% interest installment plans, which you can use for tuition and hospital bills.

🎁 HSBC Red Mastercard

• Rewards rate:
  • 4x bonus points on online, dining, shopping, and overseas transactions
  • 1 bonus point per ₱20 spend on other categories
• Other notable perks: 6% rebate on the first Caltex fuel purchase plus 3% fuel rebate all year round
• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,666.67

The HSBC Red Mastercard is the best credit card in the Philippines for frequent shoppers. It lets you accumulate points fast. Use them to redeem gift certificates, air miles, and items.

Check out this HSBC Red Mastercard review for more details about this card.

Read more: Lavish Lifestyle for Less: Best HSBC Credit Card Promos This 2023

🎁 Security Bank Gold Mastercard

• Rewards rate: 1 point per ₱20 spend
• Other perks:
  • Non-expiring rewards points and exclusive offers from select stores
  • SecureCode for safe online transactions
  • Exclusive access to the Marhaba Lounge at NAIA Terminals 1 and 3
• Interest rate: 3%
• Annual fee: ₱2,500
• Minimum monthly income requirement: ₱30,000

With rewards points that don't expire, worldwide acceptance, an exciting rewards catalog, and more exclusive perks, the Security Bank Gold Mastercard is the perfect companion for all avid shoppers out there.

🎁 BPI Platinum Rewards Mastercard

• Rewards rate:
  • 2x points for every ₱30 local spend
  • 2x points for every ₱20 foreign currency spend online and abroad
• Other notable perks:
  • Up to ₱10 million free travel insurance
  • Up to 180 days of purchase protection insurance
  • Up to four complimentary airport lounge passes to over 1,300 lounges worldwide when you meet the spend requirement
• Annual fee: ₱4,000 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱83,333

If you're a frequent shopper both here and abroad, get the BPI Platinum Rewards Mastercard. Maximize its generous rewards program and enjoy 0% interest installment plans on airfares. This card also allows you to pick from 54 airlines when converting your points into air miles.  

🎁 UnionBank Gold Visa Card 

• Rewards rate: 
  • 1 rewards point per ₱35 spend
  • Non-expiring points that can be used anytime, anywhere
• Other notable perks: Unlimited free access to Marhaba Lounge at NAIA Terminals 1 and 3 
• Interest rate: 3%
• Annual fee: ₱2,500 
• Minimum monthly income requirement: ₱15,000

Are shopping and traveling your favorite sports? If yes, the UnionBank Gold Visa Card should be your best friend. Earn points whenever you spend on your travels and shopping marathons. The said points don’t expire, which means that you can keep them until you’re ready to use them. 

The UnionBank Gold Visa Card lets you enjoy 0% installment on your purchases. You also get free life insurance coverage of up to  ₱400,000. 

Read more: Don’t Miss These 16 UnionBank Credit Card Promos This 2023

🎁 RCBC Flex Visa

• Rewards rate:
  • 2x rewards points on two preferred categories (options include dining, clothing, travel, or transportation)
  • Shopping vouchers, cash rebates, cash credit, or air miles for your rewards points
• Other notable perks:
  • Free travel insurance
  • Access to Marhaba or SkyView Airport Lounge 
• Interest rate: 3%
• Annual fee: ₱1,500 (waived for the first year)
• Minimum monthly income requirement: ₱15,000

Enjoy flexibility in spending and collect points that you can use to redeem your desired rewards. You also get to enjoy exclusive perks whenever you travel, including free travel insurance (Travel Plus Lite) and access to Marhaba or Skyview Airport Lounge. 

Use your RCBC Flex Visa when ordering items from abroad to enjoy free purchase protection insurance. This benefit covers the loss or accidental damage of the items bought overseas worth up to ₱50,000. 

Check out this RCBC Flex Visa Review.

Best Cashback Credit Cards in the Philippines

💸 Security Bank Complete Cashback Platinum Mastercard

• Cashback rate:
  • 5% on groceries
  • 4% on fuel
  • 3% on utilities
  • 2% on dining
  • 1% on shopping
• Other notable features: 
  • Free travel insurance of up to ₱10 million
  • Access to 1,000 airport lounges worldwide
  • Free online purchase protection of up to  $200
• Annual fee: ₱3,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱65,000

Security Bank offers a five-tiered rebate system on its cashback credit card. You can earn cashback on the five most essential expenses—groceries, gas, utility bills, dining, and shopping—as long as they're transactions made in the Philippines. The rebate rates apply no matter how much you spend. Your rebate also gets immediately credited to your credit card balance.

💸 BPI Amore Cashback Card

• Cashback rate:
  • Supermarkets: 4% 
  • Drugstores and utilities: 1% 
  • Other local retail spend: 0.3%
• Other notable perks: 
  • Unlimited access to exclusive customer and family lounges at Ayala Malls
  • Low forex conversion rates at 1.85%
• Annual fee: ₱2,050 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

Although this BPI credit card is one of the best credit cards in the Philippines for shopping, it's also ideal for people who often spend on groceries, medicines, and utilities, since it offers a high cashback rate of up to 4%. This card also lets you enjoy 0% interest installment plans for big-ticket purchases.

💸 UnionBank Gold Mastercard

• Cashback rate: 1% cashback on all purchases
• Maximum monthly rebate: No cap 
• Other notable perks: 
  •  0% interest installment payment plans
  •  Free life insurance coverage of up to  ₱400,000
• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000

You don't need to keep track of a lot of spending categories because you get 1% cashback on any purchase anywhere. The best thing about it? There’s no limit on how much rebate you can earn!

Use your UnionBank Gold Mastercard within 60 days from card approval to get ₱5,000 cashback for free. To enjoy this perk, just spend a minimum of  ₱40,000 with your card within the said duration.

💸 UnionBank Platinum Mastercard

• Cashback rate: 1% on all purchases
• Maximum monthly rebate: None
• Other notable perks: 
  • Free lounge access at NAIA Terminals 1 and 3
  • Free life insurance coverage of up to  ₱400,000
• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000

Unlike most cashback credit cards in the Philippines, UnionBank offers a fixed rebate rate of 1% regardless of the spending category. Another unique feature of this cashback credit card is that there's no limit to how much rebate you can earn in a month or year. Cashback earned doesn't expire, so it can be redeemed anytime you want.

You’ll also get free ₱5,000 cashback when you use your credit card within 60 days after approval. This applies to purchases worth ₱40,000 within the said duration.

Best Credit Cards in the Philippines for Travel

✈️ HSBC Platinum Visa Rebate

• Travel rebate rate: 5% cashback on travel and shopping (including online) transactions
• Other notable perks:
  • Free travel insurance
  • 1% rebate on insurance and 0.50% on all other spend
  • 6% rebate on the first Caltex fuel purchase plus a 3% fuel rebate all year round
• Annual fee: ₱5,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱41,666.67

This HSBC credit card suits frequent travelers because of its high cashback rate for travel and shopping spend, plus plenty of other exciting perks. It’s the perfect card for big-ticket purchases, as it comes with 0% interest installment plans that also earn you 3x bonus points.

✈️ Security Bank Platinum Mastercard

• Air miles earn rate: 2x points per ₱25 spend 
• Other notable perks:
  • Free travel insurance of up to  ₱10 million 
  • Access to 1,000 airport lounges worldwide
• Annual fee: ₱4,000 
• Interest rate: 3%
• Minimum monthly income requirement: ₱65,000

Earn points quickly with the Security Bank Platinum Mastercard. You earn 2 rewards points for every ₱25 spend. You can even convert these points into air miles and other exclusive rewards. 

The Security Bank Platinum Mastercard is the perfect card for those who shop a lot abroad. You can save on your purchases with the Mastercard Travel Rewards feature. This entitles you to automatic cashback deals when you shop at participating shops in any of the international Mastercard Travel Rewards destinations. 

✈️ BPI Visa Signature

• Air miles earn rate: ₱50 spend = 1 mile
• Other notable perks:
  • Up to ₱20 million free travel accident and inconvenience benefit
  • Complimentary access to the PAGSS international lounges in NAIA 1 and NAIA 3
  • 50% off deals on hotels, resorts, and more
• Annual fee: ₱5,500 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱100,000

BPI Visa Signature offers the lowest credit card points to miles conversion in the market at ₱50 = 1 mile. You can also earn rewards fast: 2 BPI Points per ₱20 spend.

Use this BPI credit card to enjoy travel insurance, complimentary access to airport lounges, exclusive discounts, and low forex conversion rates of just 1.85%—perfect for when you shop for pasalubong abroad.

✈️ RCBC AirAsia Credit Card

• Air miles earn rate: 1 AirAsia point per ₱25 AirAsia spend
• Other notable perks:
  • Welcome gift of up to 8,000 BIG Points
  • Access to world-class airport lounges
  • Accepted globally
• Annual fee: ₱3,600 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱20,833

Powered by RCBC, the AirAsia Credit Card allows you to quickly earn points from your local and international purchases. Accumulated points can be redeemed for free AirAsia flights or vouchers from Lazada, SM Gift Pass, Grab, and more. It also comes with perks that make your pre-departure and in-flight experiences more convenient.

Platinum membership, on the other hand, entitles you to Final Call Sales. This lets you get up to 90% off on AirAsia flights.

✈️ RCBC Visa Platinum

• Air miles earn rate: 1 preferred air mile for the following spend categories:
  • ₱25 overseas spend
  • ₱48 local spend
  • ₱125 supermarket/fuel/drugstore purchase
  • ₱250 utility bills payment
• Other notable perks:
  • 100% temporary increase in credit limit during the cardholder's travel period
  • Up to ₱5 million travel insurance and purchase protection insurance
  • Unlimited free lounge access at NAIA Terminals 1 and 3
• Annual fee: ₱5,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱100,000

The RCBC Visa Platinum is the best credit card in the Philippines for travelers who want to earn miles fast. This is because you can earn your preferred air miles when you use your card across different spending categories

The RCBC Visa Platinum also comes with other travel-related benefits, such as travel insurance and a temporary increase in your credit limit during your trip. You also get access to local airport lounges, such as Club Manila and Skyview Airport lounges at NAIA Terminals 1 and 3.

Best Credit Cards in the Philippines for Dining

🍽️ Metrobank World Mastercard^® 

• Discount: 50% off dining offers 
• Other notable perks: 
  • 1 rewards point for every  ₱20 spend
  • 2x points for international purchases
  • Lounge membership and exclusive airport discounts at more than 1,000 airports and 500 airport lounges worldwide
• Interest rate: 3%
• Annual fee: ₱6,000 (waived for first-time Metrobank cardholders who apply until October 31, 2023 and meet an annual spend of ₱600,000)
• Minimum monthly income requirement: ₱333,333

Revel in total luxury with the Metrobank World Mastercard^®. On top of rewarding you with 50% off on dining deals, this card earns you 2x points when you make international purchases. It also entitles you to exclusive airport discounts and lounge membership at various airports and airport lounges worldwide. 

One of the most appealing perks of the Metrobank World Mastercard^® is its 24/7 customer service. You can also get emergency assistance wherever you are in the world in case your card gets lost or stolen. 

If you apply for this Metrobank credit card for the first time until October 31, 2023 and meet the minimum spend of ₱90,000 within 60 calendar days from approval, you also get free 300,000 rewards points. Note that you must be an existing cardholder to qualify for this promo. 

🍽️ Metrobank Platinum Mastercard^® 

• Discount: 50% off dining offers 
• Other notable perks: 
  • 1 rewards point for every ₱20 spend
  • Automatic worldwide insurance for online purchases with e-Commerce Protection
  • Free first supplementary card 
• Interest rate: 3%
• Annual fee: ₱5,000 (waived for carded first-time Metrobank cardholders who apply until October 31, 2023 and meet an annual spend of ₱400,000)
• Minimum monthly income requirement: ₱58,333

Enjoy 50% off dining offers at participating merchants with the Metrobank Platinum Mastercard^®. Using this card also earns you 1 rewards point for every ₱20 spend. 

Getting your loved one a supplementary card? You’re in for a treat because your first supplementary card’s annual fees are waived forever.

Apply for this Metrobank credit card until October 31, 2023 and meet the minimum spend of ₱70,000 within 60 calendar days from the date of approval to get free 310,000 rewards points. Note that you must be an existing cardholder to qualify for this promo. 

🍽️ HSBC Gold Visa Cash Back

• Rebates:
  • 5% rebate on dining all year round
  • 0.50% rebate on all other transactions all year round
  • 1% rebate on department store spend and online transactions in select months
  • 6% rebate on the first Caltex fuel purchase plus a 3% fuel rebate all year round
• Annual fee: ₱2,500 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667

HSBC offers a high cashback rate of 5% on dining transactions with its Gold Visa Cash Back card. It also lets you earn rebates when you gas up at Caltex. And with its installment plan, you can buy gadgets, furniture, and appliances while earning 3x bonus points.

🍽️ BPI Amore Platinum Cashback

• Rebates:
  • 4% cashback on dining and online delivery
  • 1% cashback on supermarkets and department store
  • Up to 0.3% cashback on other international and local retail purchases 
• Annual fee: ₱5,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱83,333

Love discovering new restaurants? Use BPI Amore Platinum Cashback to earn as much as 4% cashback on restaurants and online food deliveries—whether you're dining locally or internationally!  

The BPI Amore Platinum Cashback card also comes with Ayala Mall perks. These include complimentary parking tickets (as a welcome gift), access to family and customer lounges, and a 5% discount on movie tickets.

Best Credit Cards in the Philippines for Installment Payments

💻 Security Bank Next Mastercard

• Installment terms: Installment plans of three, six, and 12 months
• Interest rate: 3%
• Other notable perks: 
  • US$200 coverage when you shop online
  • Worldwide acceptance at affiliated merchants
• Annual fee: No annual fees forever
• Minimum monthly income requirement: ₱45,000

With the Security Bank Next Mastercard, you can convert purchases of at least ₱5,000 to easy installment plans of three, six, and 12 months with an add-on rate of 1% monthly.

It’s also the perfect card if you love traveling and shopping abroad. While waiting for your flight, enjoy unlimited access to the Marhaba Lounge at NAIA Terminals 1 and 3. Once you arrive at your destination, use it to go cashless while shopping—it’s accepted at various affiliated merchants worldwide. 

💻 AUB Gold Mastercard

• Installment terms: 0% interest on new purchases 
• Interest rate: 3%
• Other notable perks: 
  • Rewards points are transferable to Mabuhay Miles Frequent Flyer Program
  • Supplementary cards with no annual fees forever 
• Annual fee: No annual fees forever
• Minimum monthly income requirement: ₱50,000

The AUB Gold Mastercard entitles you to 0% interest on new purchases. Also, another of the most appealing features of the AUB Gold Mastercard is that its membership fee is waived for life. You also get to choose your payment due date, thus giving you more control over your monthly budget. 

Learn more about the AUB Gold Mastercard in this review.

💻 RCBC Visa Infinite Card

• Installment terms: Unli-installment where you can convert your straight purchases to installment for up to 36 months
• Other notable perks: 
  • 100,000 rewards points for first-time RCBC credit cardholders
  • Access to world-class airport lounges
  • Free travel insurance of up to  ₱5 million 
• Interest rate: 3%
• Annual fee:  ₱6,000 (waived for the first year) 
• Minimum monthly income requirement: ₱300,000

The RCBC Visa Infinite Card offers a rewarding spending experience. It’s perfect for cardholders who always pay in installments since this card comes with an unli-installment feature. 

Get peace of mind whenever you shop online with this card’s e-Commerce Purchase Protection. With this feature, your online purchases with your RCBC Visa Infinite card are covered in case of damage, loss, and non-delivery.^[1]

💻 RCBC Gold Mastercard  

• Installment terms: Unli-installment where you can convert your straight purchases to installments for up to 36 months
• Other notable perks: 
  • Non-expiring rewards points
  • Free travel insurance
  • Access to Marhaba or Skyview Airport lounge
• Interest rate: 3%
• Annual fee: ₱3,000 (waived for the first year)
• Minimum monthly income requirement: ₱50,000 

The Gold Mastercard is another RCBC credit card that allows you to convert your straight purchases to installments for up to 36 months. The non-expiring points that you earn from your purchases can be exchanged for cash rebates, air miles, shopping vouchers, and cash credit.

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

Best Credit Cards in the Philippines for Online Shopping

🛒 UnionBank Lazada Credit Card

• Rewards rates:
  • ₱6 Lazada Credits per ₱200 spend at Lazada
  • ₱1 Lazada Credit per ₱200 spend elsewhere
• Welcome gift: ₱5,000 Lazada Wallet Credits^[2]
• Other notable perks: 
  • Free monthly shipping of up to ₱50 for a minimum purchase of ₱2,500
  • Free discount vouchers worth ₱500 for a minimum purchase of ₱5,000 at Lazada during its Mega Sales (birthday sale, mid-year sale, 9.9, 11.11. 12.12)
• Annual fee: ₱3,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000

The first e-commerce credit card in the Philippines, the UnionBank Lazada Credit Card provides a secure payment option for online purchases.

This credit card for online shopping offers generous, exclusive shopping benefits to loyal Lazada customers. Read more about it in our Unionbank Lazada Credit Card review.

If you get approved for the UnionBank Lazada Mastercard, you'll receive a physical card for face-to-face, point-of-sale transactions and a virtual card (which can be accessed through the UnionBank Online app) with a different card number for online transactions.

🛒 BPI eCredit Card

• Rewards rate: 1 point per ₱35 spend
• Annual fee: Free for life
• Interest rate: 3%

If you love to shop online, the BPI e-Credit Card is a must-have. It's a free companion card to your BPI credit card designed for online use and added security.

Best Credit Cards in the Philippines for Fuel Purchases and Auto Services

🚘 Petron-BPI Mastercard

• Rebates: 3% fuel rebate at participating Petron stations nationwide
• Other notable perks: Free ₱200 fuel voucher for first-time cardholders
• Annual fee: ₱1,550 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

The Petron-BPI Mastercard is the practical motorist's choice. Earn a 3% rebate on fuel, get a free ₱200 fuel voucher if you're a first-time cardholder, and convert your credit limit to cash in case of emergencies. You can also use your Petron-BPI Mastercard to avail of 0% interest installment plans.

🚘 RCBC Flex Gold Visa

• Rewards: 2x points in 3 preferred categories, including gas, grocery, travel, household appliances, and department store
• Other notable perks: Travel insurance coverage of up to ₱50,000, free Purchase Protection, and access to the Marhaba/Skyview Airport Lounge at NAIA Terminal 3 
• Annual fee: ₱3,000 (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000

Do you drive to work every day? Make the most out of the money you spend on fuel with the RCBC Flex Gold Visa. Choose gas as one of your preferred categories to earn 2x rewards points per spend. 

You can also choose among grocery, travel, household appliances, or department store as your other preferred categories for the double points.

Final Thoughts

This list of the best credit cards in the Philippines is only meant to guide you through making that all-important decision. Your final choice will boil down to the credit card features and benefits that are most important to you.

As much as possible, research your options and their features before choosing a credit card. Why do you have to compare credit cards? It's much like shopping online when you compare prices and features to find the best deal, according to Munmun Nath, former Moneymax Co-General Manager.

"You should compare and see where you can get the best deal. This idea applies to financial products even more because, unlike clothes or gadgets, the number of times we might be applying for a financial product, like a credit card, can be much less. It's important to do all our research to ensure that we are applying for something that's right for us," Munmun said.

Still can't make up your mind about the best credit card in the Philippines? Confused about which credit card to get? Use the Moneymax credit card comparison tool for free to receive recommendations based on your financial capacity.

Sources:

• ^[1] RCBC Visa Infinite Credit Card
• ^[2] UnionBank Lazada Credit Card