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
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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 up reward points with every purchase, so make sure to get a credit card with a generous rewards program. The lower the required minimum spend per 1 rewards point, the bigger your rewards in the long run.
You should also look for a credit card with a wide range of rewards in its catalog. 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 you’re 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. After all, availing of a credit card promo is one of the most important steps in learning how to use a credit card in a shopping mall, for instance. So, get yourself a promo-loaded card!
☑️ 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:
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HSBC Red Mastercard
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HSBC Platinum Visa Rebate
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Metrobank Titanium Mastercard®
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Security Bank Complete Cashback Mastercard
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Security Bank Gold Mastercard
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For more details and credit card options, read on.
💳 UnionBank Gold Visa Card
📌 UnionBank Gold Visa Shopping Perks
- 1 rewards point for every ₱35 spend
- 0% interest installment payment plans
📌 UnionBank Gold Visa Key Features
- Annual fee: ₱2,500 (free for life if you apply and get approved until July 31, 2023)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
When the word “rewards” is included in the name of a credit card, you know you’re in for a treat. An option for reward seekers is the UnionBank Gold Visa Card, which offers 1 rewards point for every ₱35 spend.
On top of that, it also offers premium travel perks such as free airport lounge access at NAIA Terminals 1 and 3.
Read more: Moneymax Reviews: UnionBank Gold Visa vs Gold Mastercard
💳 UnionBank Classic Visa Card
📌 UnionBank Classic Visa Shopping Perks
- 1 rewards point for every ₱35 spend
- 0% interest installment plans for up to 36 months
📌 UnionBank Classic Visa Key Features
- Annual fee: ₱1,500 (free for life if you apply and get approved until July 31, 2023)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
If you’re looking for installment options, consider getting the UnionBank Classic Visa Card. Avail of installment plans with 0% interest for your high-ticket purchases and pay for up to 36 months.
Plus, every ₱35 spend earns you 1 rewards point.
🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!
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Eligible card: UnionBank Rewards Credit Card
Promo period: Until September 30, 2023
Say goodbye to annual fees forever and hello to leveled-up rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until September 30, 2023 only. Per DTI Fair Trade Permit No. FTEB-172472 Series of 2023. Click the banner above to apply now!
Note: The promo is exclusive to applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
💳 HSBC Red Mastercard
📌 HSBC Red Mastercard Shopping Perks
- 1 rewards point for every ₱20 spend
- 4x points on shopping, online, dining, and overseas transactions
- 6% fuel rebate on your first purchase
- 3% rebate all year round at Caltex
- Installments of up to 36 months with 0% interest at participating merchants
📌 HSBC Red Mastercard Key Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱16,666.67
Want to earn reward points four times faster? The HSBC Red Mastercard could be the perfect credit card for you. Aside from earning you 1 rewards point for every ₱20 spend, this credit card will also earn you quadruple the points for every dining, shopping, online, and overseas transaction. If you’re a reward seeker, an HSBC credit card is your best bet.
Before you apply for this shopping credit card, check out this HSBC Red Mastercard review.
💳 HSBC Platinum Visa Rebate
📌 HSBC Platinum Visa Shopping Perks
- 5% cashback on shopping and travel transactions
- 3% fuel rebate all year round at Caltex stations
- 0.50% cashback on all other purchases
📌 HSBC Platinum Visa Key Features
- Annual fee: ₱5,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱41,666.67
Do you want to earn rebates? The HSBC Platinum Visa Rebate has got you covered. This credit card earns 5% cashback on all shopping and travel transactions and 0.50% on all other purchases.
Just take note that this credit card is not for low-income earners. But if you can afford it, the HSBC Platinum Visa Rebate won’t let you down.
🎁 Free Gift from Moneymax: ₱2,500 eGift, ₱2,500 SM Gift Pass, or Dolce Gusto Coffee Machine
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Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate
Promo period: Until September 30, 2023
Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from a free eGift voucher worth ₱2,500, SM Gift Pass worth ₱2,500, or a Nescafé Dolce Gusto Piccolo XS coffee machine (worth ₱5,199).
Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023. Terms and conditions apply. This Moneymax HSBC Giftaway/SM Gift Pass/Dolce Gusto promo runs until September 30 only. So hurry and apply now!
💳 Metrobank Titanium Mastercard®
📌 Metrobank Titanium Mastercard® Shopping Perks
- 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 one 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 Soundbar, or Mi Band 7 Smartwatch
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Eligible cards: Metrobank World Mastercard®, Platinum Mastercard®, and Titanium Mastercard®
Promo period: Until September 30, 2023
How do you get an awesome 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, Xiaomi Redmi Soundbar (worth ₱2,499), or a Xiaomi Mi Band 7 smartwatch (worth ₱2,499) as your free special gift!
Per DTI Fair Trade Permit No. FTEB-175599 Series of 2023. Terms and conditions apply. This Moneymax Metrobank eGift/Xiaomi promo runs until September 30, 2023 only. So hurry and apply now!
Note: Applicant must be an existing credit cardholder from any bank excluding Metrobank for at least 9 months.
💳 Security Bank Complete Cashback Mastercard
📌 Security Bank Complete Cashback Shopping Perks
- 5% cashback on groceries
- 4% on fuel
- 3% on bill payments
- 2% on dining expenses
- 1% on shopping
📌 Security Bank Complete Cashback Platinum Key Features
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱65,000
If you believe that the best shopping credit card should give you the most rebates, consider getting the Security Bank Complete Cashback Platinum Mastercard.
This credit card earns you 5% cashback on groceries, 4% on fuel, 3% on bill payments, 2% on dining expenses, and 1% on shopping. Save up to ₱12,000 every year when you make this your primary shopping credit card!
🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or De'Longhi Blade Coffee Grinder
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Eligible cards: Select Security Bank credit cards
Promo period: Until November 11, 2023
Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher, Sony WH-CH520 wireless headphones (worth ₱3,299), or a De’Longhi Blade Coffee Grinder (worth ₱3,800).
Per DTI Fair Trade Permit No. FTEB-175575 Series of 2023. Terms and conditions apply. This Moneymax Security Bank Giftaway/De'Longhi credit card promo runs until November 11, 2023 only. Apply now!
💳 Security Bank Gold Mastercard
📌 Security Bank Gold Mastercard Shopping Perks
- 1 rewards point for every ₱20 spend
- Secure online shopping with SecureCode
- Exclusive rewards and promos all year round
📌 Security Bank Bank Gold Mastercard Key Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
Do you prefer shopping online? Check out the Security Bank Gold Mastercard.
Shop safely online with its SecureCode feature. Earn points quickly with 1 rewards point for every ₱20 spend. Use these points to enjoy a variety of perks from Security Bank's wide catalog.
💳 Security Bank Next Mastercard
📌 Security Bank Next Mastercard Shopping Perks
- Auto-converts purchases into installments of up to 12 months
- No annual fees for life
📌 Security Bank Bank Next Mastercard Key Features
- Annual fee: Free for life
- Interest rate: 3%
- Minimum monthly income requirement:
- ₱45,000 (for existing cardholders)
- ₱50,000 (for new cardholders)
The Security Bank Next Mastercard automatically converts purchases worth ₱5,000 and up into flexible installments for up to 12 months, making it ideal for high-ticket items.
While it’s not as flashy as the other shopping credit cards on this list, the Security Bank Next Mastercard still gives you access to every active Security Bank credit card promo out there.
💳 BPI Amore Cashback Card
📌 BPI Amore Cashback Shopping Perks
- 4% cashback on supermarket and department store spend
- 1% cashback on drugstore spend
- Installment plans of up to 36 months with 0% interest
- Low forex conversion rate at 1.85%
- Discounts and freebies at participating Ayala Malls merchants
📌 BPI Amore Cashback Key Features
- Annual fee: ₱2,050
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Love using shopping credit cards at Ayala Malls? Then add the BPI Amore Cashback Card to your wallet. This credit card earns you 4% cashback on every supermarket and department store spend.
Aside from giving you access to all BPI credit card promos for 2023, the BPI Amore Cashback Card also lets you enjoy special privileges at Ayala Malls nationwide.
💳 BPI Platinum Rewards Mastercard
📌 BPI Platinum Rewards Shopping Perks
- 1 rewards point for every ₱30 local spend
- 1 rewards point for every ₱20 overseas spend
- Installment plans of up to 36 months with 0% interest
📌 BPI Platinum Rewards Key Features
- Annual fee: ₱4,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱83,333
Looking for another premium credit card for all your shopping needs? Then feast your eyes on the BPI Platinum Rewards Mastercard.
Earn 1 rewards point for every ₱30 local spend and ₱20 overseas spend. Easily redeem your points for air miles, dining gift certificates, and cash rebates. Plus, get 24/7 credit card assistance wherever you are in the world.
💳 RCBC Flex Gold Visa
📌 RCBC Flex Gold Visa Shopping Perks
- 2x rewards points for three preferred categories: grocery, fuel, travel, department store, or household appliances
- Installments of up to 36 months with 0% interest for straight and overseas purchases
📌 RCBC Flex Gold Visa Key Features
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
What if you can choose the spend category you want to earn reward points from? That’s the beauty of owning an RCBC Flex Gold Visa.
With this credit card, earn twice the points from three of your preferred categories. Just choose the ones you spend on the most—grocery, gas, travel, department store, or household appliances—and you’re good to go!
💳 RCBC Visa Infinite
📌 RCBC Visa Infinite Shopping Perks
- 5% rebate at any clothing and apparel shop
- 1 rewards point for every ₱36 shopping spend
- Installment plans with 0% interest for straight and overseas purchases
📌 RCBC Visa Infinite Key Features
- Annual fee: ₱6,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱300,000
RCBC boasts a wide range of shopping credit cards that fit any budget. If you’re a high-income shopper, the RCBC Visa Infinite could be your next premium credit card.
Some of this card’s premium perks include a 5% cashback at any clothing and apparel shop worldwide, 1 rewards point for every ₱36 shopping spend, and easy access to RCBC credit card promos.
💳 RCBC Mango Mastercard
📌 RCBC Mango Mastercard Shopping Perks
- 0% installment of up to 6 months at Mango stores
- Priority access to next season’s catalog offers
- Exclusive access to Mango VIP Sale events
📌 RCBC Mango Mastercard Key Features
- Annual fee: ₱1,200
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
If you're a loyal Mango shopper, you have to get the RCBC Mango Mastercard. Enjoy a 0% installment of up to 6 months on your next Mango shopping haul. Earn non-expiring points with your card and exchange them for Mango vouchers.
You also get first dibs on each new season’s catalog offers, plus exclusive access to Mango VIP Sale events.
💳 RCBC Landmark Anson's Mastercard
📌 RCBC Landmark Anson's Mastercard Shopping Perks
- 5% rebate on straight purchases every weekday at Landmark and Anson’s
- 1 rewards point for every ₱50 spend at Landmark and Anson’s
📌 RCBC Landmark Anson's Key Features
- Annual fee: ₱960
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Is Landmark your go-to supermarket/department store and Anson's your foolproof shop for appliances and gadgets? Maximize your purchases at both with the RCBC Landmark Anson's Mastercard.
Enjoy a 5% rebate on straight purchases every weekday. Rack up plenty of points since you get 1 rewards point for every ₱50 spend at Landmark and Anson’s. You can then exchange the points for exclusive gift certificates or cash credit at these stores.
💳 UnionBank PlayEveryday
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📌 UnionBank PlayEveryday Shopping Perks
- 1 rewards point for every ₱10 spend
- Easily redeem rewards via the UnionBank Online app
📌 UnionBank PlayEveryday Key Features
- Annual fee: ₱1,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
The UnionBank PlayEveryday just might be your ticket to earning rewards points in a flash, as every ₱10 spend earns you one point. Plus, you get full access to all active UnionBank credit card promos, which could help you save more on your next shopping spree.
Learn more by checking out this UnionBank PlayEveryday review.
💳 UnionBank Go Rewards Gold Visa
📌 UnionBank Go Rewards Gold Visa Shopping Perks
- 1 Go Rewards Point for every ₱200 spend
- Welcome gift of ₱3,000 Go Rewards Points for ₱30,000 spend within 60 days from receipt of card
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from Go Rewards Partners
📌 UnionBank Go Rewards Gold Visa Key Features
- Annual fee: ₱3,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
Enjoy the many perks of the Go Rewards lifestyle program[1] when you get the UnionBank Go Rewards Gold Visa. Earn one Go Rewards Point for every ₱200 spend. Use your accumulated points to pay for purchases at your favorite Robinsons retail brands.
💳 UnionBank Go Rewards Platinum Visa
📌 UnionBank Go Rewards Platinum Visa Shopping Perks
- 1 Go Rewards Point for every ₱200 spend
- Welcome gift of ₱5,000 Go Rewards Points for ₱50,000 spend within 60 days from receipt of card
- 1 Go Rewards Point for every ₱100 spent in Robinson Retail Group Stores
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from Go Rewards Partners
📌 UnionBank Go Rewards Platinum Visa Key Features
- Annual fee: ₱5,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
The UnionBank Go Rewards Platinum Visa card offers upgraded benefits compared to its Gold counterpart. Along with the points mentioned previously, you can also earn one Go Rewards Point for every ₱100 spent in Robinson Retail Group Stores.
Aside from the shopping perks, you also get travel perks, such as free airport lounge access and free travel insurance.
Best Credit Cards for Shopping: FAQs
1. What is the best credit card for shopping in the Philippines?
The answer depends on how you’re going to use your shopping credit card. Here are some recommendations according to purpose:
- HSBC Red Mastercard – Best for earning points quickly
- HSBC Platinum Visa Rebate – Best for cashback
- Security Bank Next Mastercard – Best for installments
- RCBC Visa Infinite – Best for fashion and apparel shopping
2. Is a PIN required for credit card shopping?
No, you don’t need to input a PIN when shopping using a credit card. The cashier will only ask for your valid ID and your signature to authenticate the transaction.
3. How do I use a credit card for shopping?
If you're still learning how to use a credit card for shopping, note that you don’t need to hand out anything else at the counter other than your credit card and a valid ID. It’s that simple!
If the price of the item you’re buying is within your credit limit, you won’t have any problems shopping using your credit card.
Final Thoughts
Getting the best credit card 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. Doing so will help you maximize the benefits of your credit card.
Discover Other Top Credit Cards in the Philippines
Looking for the best credit card? Compare your options and apply through Moneymax! Click the banner to get started.
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