8 Best Credit Cards for Filipino Shoppers

by Venus Zoleta, on category "Credit Card"

November 27, 2019


Best Credit Cards for Shopping in the Philippines | Moneymax

Do you love shopping? When purchasing something, using a credit card is much better than paying in cash. Swiping a card is more convenient and secure than bringing cash. It also earns you rewards, rebates, discounts, freebies, and other privileges you won’t get from cash payments.

But which credit cards for shopping is the best for you? If you find the perfect one, you can maximize the benefits of using a credit card.

How to Choose the Right Credit Card for Shopping

How to Choose the Right Credit Card for Shopping

Picking a credit card can seem a bit tricky at first, but it’s actually easy and straightforward. Just look for these five features when you’re looking for the best credit cards for shopping.

  1. Generous credit card rewards program – The lower the required minimum spend for earning a point (i.e., 1 point per PHP 20 spend), the faster you can collect points and redeem rewards such as shopping vouchers/gift certificates, cash rebates, annual fee waiver, air miles, and more.
  2. Shopping rebates – Not all credit cards for shopping offer a rebate, but it’s a great money-saving feature for budget-conscious cardholders.
  3. Shopping promos and perks – Do check out the credit card promos for shopping of the banks you’re considering to get a card from. Promos make your purchases cheaper through discounts and rebates or more exciting through freebies.
  4. Exclusive privileges with partner merchants – Do you frequently shop at a particular mall or retail store? Some credit cards for shopping offer exclusive deals at a specific partner establishment, so you may want to consider them also.
  5. Easy on the budget – Choose a credit card that makes your payments more manageable. Some of the important features to consider include a no annual fee offer, 0% installment plan, and flexible repayment scheme.

If you’ve got little time or patience to check each credit card option, the easiest and best way to find the right card for you is to use the Moneymax credit card comparison tool. In just a few clicks (or taps, if you’re using a smartphone), you can determine the best credit card for your needs.

Read more: What is a Comparison Website and How Can It Help Me?

8 Best Credit Cards for Shopping in the Philippines

1. HSBC Red Mastercard

Best Credit Cards for Shopping - HSBC Red Mastercard

HSBC has the best credit card rewards program for frequent shoppers through its Red Mastercard. HSBC’s best credit card for shopping allows cardholders to earn 4 bonus points for every PHP 20 spend on local shopping and dining transactions, as well as online and international purchases.

Going to apply for an HSBC Red Mastercard? Here’s an exciting treat: you can choose any of the two ongoing HSBC credit card promos this 2019. Either you get an annual fee waiver for life or a Lazada e-voucher worth PHP 2,000 when you get the Red Mastercard.

HSBC Red Mastercard Shopping Promos and Perks

  • Accelerated Rewards – 4 bonus points per PHP 20 spend on shopping, online, dining, and overseas transactions
  • HSBC Credit Card Installment Plan – 0% interest for up to 36 months at participating merchants
  • Free P2,000 Lazada e-Voucher Promo (1) for new cardholders until February 15, 2020

HSBC Red Mastercard Key Features

  • Annual fee: PHP 1,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 16,666.67
  • 6% fuel rebate on your first purchase at a participating Caltex station plus 3% rebate all year round
  • Free Annual Fee for Life Online Acquisition Promo (2) for new cardholders until December 31, 2019

Read more: HSBC Credit Card Promo 2019: 11 Offers You Should Not Miss

2. Citi Rewards Visa

Best Credit Cards for Shopping - Citi Rewards Visa

As its name implies, the Citi Rewards Visa card is rewarding for shopaholics. You can accumulate rewards points fast, especially when you shop or dine using this Citibank credit card.

Still can’t decide on the best credit cards for shopping? Citibank also offers a waived annual fee for life to new customers who avail of a Citi Rewards Visa. The Citibank credit card promo is available for a limited time only, so grab it while it lasts!

Citi Rewards Visa Shopping Promos and Perks

  • 1 rewards point per PHP 30 spend
  • 3x points for shopping and dining transactions
  • Love to Click Sale – Exclusive online discounts with Lazada, Zalora, O Shopping, Sephora, and more
  • Citi PayLite Installment Plan – 0% interest for up to 24 months at participating merchants nationwide

Citi Rewards Visa Key Features

  • Annual fee: PHP 2,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement:
    • PHP 15,000 (for existing credit cardholders)
    • PHP 20,833.33 (for new cardholders)
  • No Annual Fee Forever promo (3) for new cardholders until February 29, 2020

Read more: Grab These Exciting Citibank Credit Card Promo Offers in 2019

3. AUB Easy Mastercard

Best Credit Cards for Shopping - AUB Easy Mastercard

The AUB Easy Mastercard is the perfect choice if you’re looking for a credit card for shopping and other types of purchases that won’t bust your budget. Cardholders don’t have to pay an annual fee, and they can select how often they can pay their credit card bill in a month, when to pay, and how much to pay.

Best of all, it’s quick to rack up points with this AUB credit card. For every PHP 20 purchase, you can already earn 1 rewards point.

AUB Easy Mastercard Shopping Promos and Perks

  • 1 rewards point per PHP 20 spend
  • Mastercard SecureCode – An extra layer of security for online shopping transactions using a one-time password

AUB Easy Mastercard Key Features

  • Annual fee: No annual fee for life
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 21,000
  • Flexibility in choosing your AUB credit card payment frequency, due date, and minimum amount due

Read more: Credit Cards With No Annual Fee in the Philippines

4. EastWest Dolce Vita Titanium Mastercard

Best Credit Cards for Shopping - EastWest Dolce Vita Titanium Mastercard

This EastWest Bank credit card has the sweetest deals for shopping enthusiasts who also love to travel and pamper themselves. It’s packed with a lot of shopping, travel, and wellness privileges.

EastWest Dolce Vita Titanium Mastercard Shopping Promos and Perks

  • Dolce Vita Loves – Exclusive discounts, installment plans, and other special offers with partner merchants
  • Dolce Vita Charms – 1 rewards point per PHP 100 spend
  • Convert-to-Installment – Low monthly interest rates on up to 24-month installment for high-ticket shopping or travel expenses

EastWest Dolce Vita Titanium Mastercard Key Features

  • Annual fee: PHP 2,000
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 25,000
  • Dolce Vita Cares – Special privileges or discounts at partner health, beauty, and wellness establishments
  • Premium Perks – Special privileges from select luxury hotels and resorts in the Philippines
  • Pampered by Dolce Vita – Free beauty treatments upon reaching the minimum required spend

Read more: Don’t Miss These EastWest Bank Credit Card Promos for 2019

5. RCBC Bankard Visa Infinite

Best Credit Cards for Shopping - RCBC Bankard Visa Infinite

One of RCBC’s best credit cards for shopping is the Visa Infinite that provides a 5% rebate when used at any clothing and apparel shops nationwide. Its rewards and installment programs make the RCBC Bankard Visa Infinite ideal for frequent shoppers. The card also comes with some great travel perks.

RCBC Bankard Visa Infinite Shopping Promos and Perks

  • 5% rebate on straight purchases at any clothing and apparel retail stores in the Philippines and abroad
  • 1 rewards point per PHP 125 spend on groceries, fuel, or medicines
  • 1 rewards point per PHP 36 spend everywhere else
  • Easyterms Installment – 0% interest for up to 36 months at participating merchants
  • Unli Installment – 0% interest for three months or minimal interest rate on longer payment terms of up to 36 months
  • Purchase protection coverage
  • Free Premium Gifts Promo (4) exclusive to RCBC Bankard Visa Infinite credit cardholders until February 15, 2020

RCBC Bankard Visa Infinite Key Features

  • Annual fee: PHP 3,600 (free for the first year)
  • Interest rate: 3.50%
  • Up to PHP 1 million travel insurance
  • Priority Pass membership
  • Access to the Skyview Airport Lounge and Club Manila Lounge for the cardholder and one travel companion

Read more: 12 Exciting RCBC Credit Card Promos in 2019

6. BDO ShopMore Mastercard

Best Credit Cards for Shopping - BDO ShopMore Mastercard

One of the best BDO credit cards for shopping, the ShopMore Mastercard is ideal for people who always shop at SM malls and SM’s retail affiliates and partners. It offers plenty of exclusive shopping deals for SM customers.

BDO ShopMore Mastercard Shopping Promos and Perks

  • Comes with a free SM Advantage Card that earns 1 rewards point per PHP 200 spend at SM Retail and partner merchants
  • Additional 0.50 peso point per PHP 200 spend anywhere
  • Rebates worth up to PHP 10,000 at The SM Store, SM Retail affiliates, and partner retail brands
  • EasyPay Installment Program – 0% interest or affordable interest rates for up to 36 months
  • Lighter via Online Installment – 0% interest and Buy Now, Pay Later installment schemes at select websites
  • Exclusive Online Deals – Discounts, freebies, and other exclusive deals at partner websites

BDO ShopMore Mastercard Key Features

  • Annual fee: PHP 125 per month (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 15,000

7. BPI Amore Visa

Best Credit Cards for Shopping - BPI Amore Visa

For mallgoers who often shop at Ayala Malls, one of the best credit cards for shopping is the BPI Amore Visa card. This BPI credit card allows earning shopping rebates of up to 4% at partner stores, restaurants, and other establishments at Ayala Malls.

BPI Amore Visa Shopping Promos and Perks

  • Up to 4% shopping or dining rebate per PHP 1,000 spend at partner merchants (total maximum savings of PHP 15,000 per year)
  • Balance Conversion Installment Program – Low interest rate on installments for up to 36 months
  • Discounts and freebies in participating Ayala Malls Merchants
  • Comes with a BPI eCredit card (upon request) for secure online shopping

BPI Amore Visa Key Features

  • Annual fee: PHP 2,050
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 15,000
  • Unlimited use of customer and family lounges at Ayala Malls
  • Access to special events and promotions
  • Express Lane for Ayala cinema ticket purchase
  • 5% discount on Ayala Cinema tickets
  • Reserved seats to mall shows

8. Security Bank Gold Rewards Mastercard

Best Credit Cards for Shopping - Security Bank Gold Rewards Mastercard

Another credit card that lets you earn rewards points fast is Security Bank’s Gold Rewards Mastercard. If you often shop using the card, you can quickly accumulate points and redeem them for your favorite rewards.

Security Bank Gold Rewards Mastercard Shopping Promos and Perks

  • 1 rewards point per PHP 20 spend
  • 0% installment for up to 24 months
  • eSecure feature – Sets limits for online shopping

Security Bank Gold Rewards Mastercard Key Features

  • Annual fee: PHP 2,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 36,666.67

Final Thoughts

Getting one of the best credit cards for shopping is one thing; using and managing your card responsibly is another. Shop smartly, resist the urge to splurge, and always pay your credit card bill in full and on time. These are among the ways you can really maximize the benefits of being a credit cardholder.

Find the right credit card for you!

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