There’s a reason why credit cards are synonymous with shopping. After all, they’re the most convenient way to pay for any kind of purchase. Aside from security features, shoppers also get to avail of flexible installment plans and exclusive promos to help them save with every swipe or tap.
The question now is, what are the best credit cards for shopping for money-savvy Filipinos like you? To help you sift through the seemingly limitless choices, here’s an extensive list of credit cards suited for all kinds of shopping. We hope that seeing all your credit card options in one place will help you choose easily!
How to Choose the Best Credit Card for Shopping: 4 Must-Have Features
As with any other product out there, you can’t just pick a credit card willy-nilly. Consider these important factors when searching for your shopping companion.
☑️ Robust Rewards Program
Shopping with a credit card means potentially racking points with every purchase, so make sure to get a credit card with a generous rewards program. The lower the required minimum spend per point, the bigger your rewards in the long run.
Look for a credit card with a wide range of rewards in its catalog as well. You can redeem shopping vouchers, gift certificates, air miles, cash rebates, and other useful rewards.
☑️ High-Percentage Cash Rebates
The best credit card for shopping should also earn you high-percentage rebates on your purchases. Imagine getting some of your cash back when shopping for essentials like groceries, appliances, and even fuel. The higher the rebate percentage for your preferred category, the better.
☑️ Exclusive Promos with Partner Stores
The perfect shopping credit card should come with an arsenal of exclusive promos and deals. If you want to learn how to use a credit card in a shopping mall and enjoy discounts at the same time, avail of credit card promos in retail outlets!
☑️ Flexible Installment Plans
Planning to buy high-ticket items like gadgets and furniture? Get yourself a credit card with a flexible installment plan that has 0% interest. Almost all credit cards offer installments payable for up to 24 months or more.
17 Best Credit Cards for Shopping in the Philippines
Here's a look at some of the best cards for shopping:
Credit Card
Shopping Perks
UnionBank Rewards Credit Card
1 point per ₱30 spend
3x points for shopping locally and abroad
Non-expiring points can be redeemed for cash credits, gadgets, and more
Metrobank Titanium Mastercard®
2x points for department store and online spend
1 point for every ₱20 spend
E-commerce protection
HSBC Red Mastercard
1 point for every ₱20 spend
4x points on shopping, online, and overseas transactions
Installments of up to 36 months with 0% interest at participating merchants
HSBC Platinum Visa Rebate
5% cashback on shopping transactions
0.50% cashback on all other purchases
Security Bank Complete Cashback Mastercard
1% cashback on shopping
Up to ₱12,000 cashback every year
Security Bank Gold Mastercard
1 point for every ₱20 spend
Secure online shopping with SecureCode
Exclusive rewards and promos all year round
BPI Amore Platinum Cashback Card
4% cashback on online delivery spend
1% cash back on department store spend
Up to 0.3% cash back on other international and local retail spend
Exclusive perks and deals at Ayala Malls nationwide
For more details and credit card options, read on.
3x non-expiring rewards points when you shop and dine here and abroad
1 non-expiring rewards point for every ₱30 spend
📌 UnionBank Rewards Credit Card Key Features
Annual fee: ₱2,500
Interest rate: 3%
Minimum monthly income requirement: ₱15,000
With the UnionBank Rewards Credit Card, earn 1 point for every ₱30 spend. If you love shopping and exploring new restaurants locally and internationally, you get to triple your rewards points! You can then use your points to redeem exciting freebies, points transfers, cash credits, and more.
🎁 Free Gift from Moneymax:E-Gift, Wireless Earbuds, or Headphones!
Eligible card: AnyUnionBank credit card
Promo period: Until March 31, 2024
Get a pair of Apple AirPods 2 worth ₱8,490, a JBL Tune 720BT worth ₱4,699, or a Giftaway eGift worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank welcome gift promo runs until March 31, 2024 only. Per DTI Fair Trade Permit No. FTEB-187582 Series of 2024.
Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
2x rewards points on dining, department store, and online purchases
1 rewards point for every ₱20 spend
E-commerce protection
📌 Metrobank Titanium Mastercard® Key Features
Annual fee: ₱2,500 (free if you apply until February 29, 2024 and meet an annual spend requirement of ₱180,000)
Interest rate: 3%
Minimum monthly income requirement: ₱15,000
Do you tend to alternate between shopping online and shopping at department stores? Enter the Metrobank Titanium Mastercard®.
Use this card to earn twice the rewards points on department store and online purchases. You also get 1 point for every ₱20 spend.
Your online purchases are safe with this card’s e-commerce protection feature, which serves as insurance in case your items get lost or damaged along the way.
🎁 Free Gift from Moneymax:₱2,500 eGift, Xiaomi Redmi Soundbar, or JBL Wave Beam True Wireless Earbuds
How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.
Choose from a ₱2,500 eGift voucher via Giftaway, a Xiaomi Redmi Soundbar worth ₱2,499, or JBL Wave Beam True Wireless Earbuds worth ₱3,799 as your free special gift.
This Moneymax Metrobank eGift/Xiaomi/JBL promo runs until March 15, 2024 only. So hurry and apply now!
Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore
Hallyu Tita, she loves bingeing Korean shows on Netflix while bonding with her cats.
Follow Venus on LinkedIn.