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What is the Best Credit Card for Shopping? 17 Options for Shopaholics

Venus Zoleta

Venus Zoleta

Last updated November 21, 2023

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

how to choose the best credit card for shopping

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
UnionBank Rewards Credit Card - Aug 2023
APPLY NOW
  • 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®
METROBANK TITANIUM MASTERCARD
APPLY NOW
  • 2x points for department store and online spend
  • 1 point for every ₱20 spend
  • E-commerce protection
HSBC Red Mastercard
hsbc red
APPLY NOW
  • 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
HSBC_VISA_PLATINUM
APPLY NOW
  • 5% cashback on shopping transactions
  • 0.50% cashback on all other purchases
Security Bank Complete Cashback Mastercard
Security Bank Complete Cashback Platinum Mastercard
APPLY NOW
  • 1% cashback on shopping
  • Up to ₱12,000 cashback every year
Security Bank Gold Mastercard
Security Bank Gold Mastercard 2023
APPLY NOW
  • 1 point for every ₱20 spend
  • Secure online shopping with SecureCode
  • Exclusive rewards and promos all year round
BPI Amore Platinum Cashback Card
BPI Amore Platinum Cashback Card New

APPLY NOW

  • 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.

💳 UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

📌 UnionBank Rewards Credit Card Shopping Perks

  • 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.

Read this review to learn more.


🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!

moneymax unionbank rewards credit card no annual fee promo

Eligible card: UnionBank Rewards Credit Card

Promo period: Until February 29, 2024

Say goodbye to annual fees forever and hello to next-level 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 February 29, 2024 only. Per DTI Fair Trade Permit No. FTEB-178773 Series of 2023.

Note: The promo is exclusive to applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


💳 Metrobank Titanium Mastercard®

Metrobank Titanium

📌 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 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 

moneymax metrobank credit card promo - giftaway egift xiaomi redmi soundbar jbl wireless earbuds

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until February 29, 2024

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 February 29, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-184526 Series of 2024. Terms and conditions apply.

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.


💳 HSBC Red Mastercard

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 
  • 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 rewards points four times faster? The HSBC Red Mastercard could be the perfect credit card for you. Aside from earning 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 rewards 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 CC Blog Visual CTA - HSBC Platinum Visa Rebate

📌 HSBC Platinum Visa Shopping Perks

  • 5% cashback on shopping and travel transactions
  • 6% fuel rebate on your first purchase; 3% rebate all year round 
  • 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: Giftaway Credits, Infinity Audio Clubz 250, or JBL Tune 520 BT

moneymax hsbc credit card promo - giftaway infinity jbl

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until February 29, 2024

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 free Giftaway credits worth ₱2,500, Infinity Audio Clubz 250 worth ₱2,599, and JBL Tune 520 BT worth ₱3,349. 

This Moneymax HSBC Giftaway/Infinity Audio/JBL promo runs until February 29, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-184120 Series of 2024. Terms and conditions apply. 


💳 Security Bank Complete Cashback Mastercard

Security Bank Complete Cashback Platinum Mastercard

📌 Security Bank Complete Cashback Shopping Perks

  • 5% cashback on groceries
  • 4% on fuel
  • 3% on bills 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 bills 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!

Read this credit card review for more details. 

💳 Security Bank Gold Mastercard

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. 

For more information, check out this review


🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or Nescafe Dolce Gusto Mini Me

security bank welcome gift - egift sony wireless headphones nescafe dolce gusto mini me

Eligible cards: Select Security Bank credit cards

Promo period: Until February 29, 2024

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 Nescafe Dolce Gusto Mini Me Coffee Machine (worth ₱6,990).

This Moneymax Security Bank Giftaway/Sony/Nescafe credit card promo runs until February 29, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-183905 Series of 2024.  Terms and conditions apply


💳 BPI Amore Cashback Card

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, the BPI Amore Cashback Card also lets you enjoy special privileges at Ayala Malls nationwide.

💳 BPI Platinum Rewards Card

BPI Platinum Rewards Card

📌 BPI Platinum Rewards Shopping Perks

  • 2 BPI points for every ₱30 local spend
  • 2 BPI points 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? Feast your eyes on the BPI Platinum Rewards Card. 

Earn 2 BPI points 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

📌 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 for straight 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 rewards 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 appliancesand you’re good to go!

💳 RCBC Visa Infinite

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 of up to 36 months for straight 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

📌 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 six 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 Ansons

📌 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 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
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱15,000

Another 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 0% interest installment payment plans and free life insurance coverage.

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 
  • 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. 

💳 UnionBank PlayEveryday

UnionBank PlayEveryday

📌 UnionBank PlayEveryday Shopping Perks

  • 1 rewards point for every ₱10 spend
  • Rewards redeemable 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 1 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 PlayEveryday review.

💳 UnionBank Go Rewards Gold Visa

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 1 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

📌 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
  • Free airport lounge access

📌 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:

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

Is a shopping credit card not quite what you're looking for? If you want a credit card that offers luxurious travel perks, check out the Metrobank World Mastercard® or Security Bank World Mastercard. For practical cashback on essential spending, the BPI Amore Cashback Card is a good bet.

Compare more options through Moneymax. Click the banner below to get started. 

Compare credit cards with Moneymax

Source: [1] Go Rewards

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.

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