Get Them While They’re Hot: 19 Best Credit Card Promos

Much has been said about the convenience credit cards offer. But if there’s one thing that draws a lot of people in, it’s the wide range of promos, freebies, and discounts.

Sure, it’s the credit card companies’ way to get you to spend. But you can’t deny that you can save a lot on your purchases with these credit card promos. As a wise credit cardholder, you get to enjoy convenient and rewarding spending.

This 2023, there are deals for new cardholders, discounts for diners, offers for jet setters, and special rates for shopaholics. Keep reading to learn more.

Credit Card Promos 2023 for New Cardholders

The great thing about being a new credit cardholder is receiving a welcome gift. It also gives you a sneak peek at the deals and promos you can get once you become a loyal cardholder.

💳 Citibank No Annual Fee Forever and Other Perks

• Eligible card: All Citibank credit cards (except for Citi Simplicity+ Card)
  
• Promo period: Until June 30, 2023

Citibank has upped its welcome rewards for new cardholders this 2023. Depending on the Citi credit card you apply for within the promo period (and eventually get approved for), you may receive credit card offers like free rewards points, air miles, eGifts, or rebates.

New Citi cardholders get rewarded with the following freebies when they meet the minimum spend requirement of ₱20,000 or ₱40,000 (depending on the card) within 60 days from the card receipt date:

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Read the full promo mechanics for more info.^[1] Enjoy the most exciting credit card promos in the Philippines by applying for a Citi credit card here!

💳 Up to ₱3,000 Cash Rebate with HSBC

• Eligible cards: HSBC Platinum Visa Rebate, HSBC Red Mastercard, HSBC Gold Visa Cash Back Credit Card
• Promo period: Until May 31, 2023

• HSBC Platinum Visa Rebate
  • Cash rebate to earn: ₱3,000
  • Spend requirement: ₱15,000
• HSBC Red Mastercard and HSBC Gold Visa Cashback
  • Cash rebate to earn: ₱1,500
  • Spend requirement: ₱7,500

Here are your HSBC credit card options. Compare cards and apply for one through Moneymax!

HSBC Red Mastercard

• 4x rewards points on online and overseas transactions, shopping, and dining
• 3% rebate all year round

HSBC Gold Visa Cash Back

• 5% cash back on dining transactions
• 3% rebate all year round

HSBC Platinum Visa Rebate

• 5% rebate on shopping and travel
• 1% on insurance
• 0.50% on everything else

💳 100,000 Rewards Points with RCBC Visa Infinite Card

Eligible card: RCBC Visa Infinite 

One of the best credit card promos in 2023 for new card holders, this deal entitles you to 100,000 rewards points as long as you meet RCBC’s required spend. Just make a minimum single-receipt or accumulated spend of ₱60,000 using your new RCBC Visa Infinite credit card within 60 days from the card’s delivery. 

Once you meet the required spend, just head to RCBC’s promo registration page and input your card details.^[2]

Credit Card Promos for Travel 2023

Everyone’s enjoying their revenge travel. If you don’t want to be left behind, here are some exciting deals that will help turn your vacation plans into reality. 

💳 Up to 20% Discount on Room Rates at Anya Resort Tagaytay

• Eligible cards: Citi Visa Platinum cards, Citi Prestige Card, and Citi PremierMiles Card
• Promo period: Until December 31, 2023

A luxurious vacation awaits you and your family and friends at Anya Resort Tagaytay. Score exclusive discounts and perks when you book using your Citibank credit card. 

This credit card hotel promo entitles you to the following: 

• Up to 20% off on room rates
• Buffet breakfast for two adults and two children (below six years old)
• ₱5,000 nett dining credits
• 10% off at Niayama Wellness Center
• Complimentary upgraded welcome amenity
• Early check-in and late check-out

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

💳 10% Cashback on Booking.com

• Eligible cards: All UnionBank Visa credit cards
• Promo period: Until December 31, 2024 

Booking.com is a treasure trove of high-quality yet affordable accommodations. But with a UnionBank Visa credit card, you can get more out of this hospitality platform. 

Pay for your accommodation with your UnionBank Visa credit card and get a 10% cashback. The best thing about this promo? It’s valid until December 31, 2024, giving you a lot of time to plan your trip. 

💳 Exclusive Offers at The Farm at San Benito

• Eligible cards: All UnionBank credit cards
• Promo period: Until September 14, 2023 

Nourish your inner self with the goodness of nature at The Farm at San Benito. Book with your UnionBank credit card and enjoy these exclusive room rates: 

• Sulu Terrace –  ₱20,136 (weekdays) /  ₱24,406 (weekends)
• Banaba Deluxe –  ₱20,136 (weekdays) /  ₱24,406 (weekends)

On top of exclusive room rates, you also get to enjoy the following inclusions: 

• Welcome drinks
• 30-minute use of Acqua Pool for two guests
• 30-minute Relaxology for two guests
• Use of facilities like swimming pools and pure energy gym 
• Vegan breakfast for two guests 
• Three-course vegan lunch for two guests 
• Holistic Health Orientation with Cellular Health Screening with the Integrative Doctor 
• Access to Mindful Movements: yoga, power walking, mandala flower meditation, functional fitness, sound healing, wellness with afternoon tea, and kids’ activities
• Complimentary WiFi 

💳 Exclusive Discounts on Select Establishments in Seoul

• Eligible cards: RCBC JCB credit cards 
• Promo period: Until December 31, 2023 

Here’s an idea for your next international trip: fly to the land of idols and oppas! Explore Seoul, South Korea by visiting different establishments for shopping and memorable experiences. 

Use your RCBC JCB credit card to avail of the following perks: 

• 20% discount on ticket price at Lotte World
• 20% discount on ticket price at Everland Resort 
• 20% discount on ticket price at Caribbean Bay
• 10% discount on ticket price at Seoul Sky 
• Gold membership upgrade at Shinsegae Duty Free
• Discount upon membership at Hyundai Department Store 

💳 Exclusive Discounts and Perks at Astoria Boracay

• Eligible cards: All RCBC credit cards 
• Promo period: Until March 31, 2024

Wash away the stress of urban life with the pristine waters of Boracay. Lounge in the fine white sands as you watch people going about their day. Enjoy your vacay for less at Astoria Boracay with a credit card hotel promo from RCBC.

With your RCBC credit card, you can enjoy the following: 

• Overnight deluxe room stay for only ₱4,700 (minimum stay of two nights is required)
• 10% discount on a la carte food and drinks at White Café (valid for dine-in with a minimum spend of ₱1,000 and a maximum bill of ₱5,000)

Credit Card Promos for Dining 2023

You can’t talk about credit card promos without mentioning exclusive dining deals. After all, the origins of the modern charge card can be traced back to dining.^[3] Check out some of this year’s most exciting credit card promos for dining this 2023.

💳 Buy 1, Take 1 on Premium Steak Set Meals at Mgyuu

• Eligible cards: All Citibank credit cards 
• Promo period: Until December 31, 2023 

If you’re a steak lover looking for the best credit card promo for your next gastronomic adventure, you’ll definitely love Citibank and Myguu’s partnership. Just whip out your Citibank credit card to enjoy a buy 1, take 1 deal on Myguu’s premium steak set meals. 

Set meals start at ₱2,888. Each set includes ribeye or striploin steak (subject to availability), potato sidings of the day, mixed vegetables, soup, and dessert. 

This promo is valid for both take-out and dine-in transactions. Myguu recommends prior reservations for this promo. 

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

💳 Up to 40% Discount on Dine-In Meals at Diamond Hotel

• Eligible cards:
  • Amore Cashback Card
  • Amore Platinum Cashback Card
  • Blue Mastercard
  • Corporate Mastercard
  • Edge Mastercard
  • Gold Mastercard
  • Petron-BPI Mastercard
  • Platinum Rewards Mastercard
  • Visa Signature Card 
• Promo period: Until September 15, 2023 

Dine in luxury at Diamond Hotel and enjoy great savings with your BPI credit card. Pay with your card to avail of up to 40% discount on dine-meals. Participating restaurants include Corniche, Lobby Lounge, and Yurakuen. 

Discounts at Corniche are valid for at least two people and a maximum of 10 people. Meanwhile, promos at Lobby Lounge and Yurakuen are valid for at least two diners and a maximum of five diners. 

Don't have a BPI credit card yet? Check out these top BPI cards. Compare your options and apply through Moneymax!

BPI Blue Mastercard

• 1 BPI Point for every ₱35 spend
• Flexible installment plans with terms of up to 36 months
• Free travel insurance of up to ₱2 million
• A variety of year-round discounts and perks

BPI Amore Cashback Card

• Up to 4% cash back on supermarkets and department store spend
• Up to 1% cash back on drugstore and bills payment spend
• Up to 0.3% cash back on all other local retail spend
• Unlimited access to exclusive customer and family lounges in Ayala Malls
• One of the lowest forex conversion rates at 1.85%

BPI Gold Mastercard

• 1 BPI Point for every ₱35 spend
• Flexible installment plans with terms of up to 36 months
• Free travel insurance of up to ₱10 million
• A roster of discounts all year round

BPI Edge Mastercard

• 1 BPI Point for every ₱50 spend
• Flexible installment plans and payment options
• One of the lowest forex conversion rates at 1.85%
• Deals and discounts all year round

Petron-BPI Mastercard

• 3% rebate on fuel (maximum of ₱15,000 per year)
• Free ₱200 fuel voucher for first-time cardholders
• Flexible and convenient installment plans
• Credit limit to cash

💳 7% Discount at Winery PH

• Eligible cards: All HSBC credit cards 
• Promo period: Until December 31, 2023 

This exclusive deal from Winery PH is one of the best credit card promos in 2023 for those who have a penchant for wines and entertaining family and friends. Use your HSBC credit card to score a 7% discount on wines. 

This promo has no minimum purchase requirement. Use the code HSBCWINERYPH7 to avail of the discount. You can use the said promo code multiple times until the end of the year. 

Read more: A First-Timer’s Guide to HSBC Credit Card Application

💳 10% Discount at Bo’s Coffee

• Eligible cards: All UnionBank credit cards 
• Promo period: Until December 14, 2023 

Love coffee? You’re in for a treat at Bo’s Coffee. Just pay with your UnionBank credit card and get a 10% discount on dine-in and take-out transactions. You can enjoy this deal for a minimum spend of ₱500. 

The promo applies at the following branches: 

• Glorietta 5
• SM Mall of Asia
• S Megamall
• SM Manila
• SM San Lazaro
• Shangri-La Plaza Mall
• Filinvest Cyberzone
• SM Cebu 
• SM Seaside
• Ninoy Aquino International Airport Terminal 1 and 3

Read more: Your Simple 5-Step Guide to UnionBank Credit Card Application

Credit Card Promos for Shopping 2023

One good reason to use a credit card when shopping is to earn rewards points. But more than that, you can save a lot of money through special deals and promos. Shop and save with these exciting credit card offers for 2023!

💳 15% Discount at Seiko Philippines

• Eligible cards: All Citibank credit cards 
• Promo period: Until November 14, 2023 

Whether you’re adding a new watch to your timepiece collection or looking for a gift for a loved one, Seiko has something for you. Use your Citi credit card and get a 15% discount on all regular items at the following online shops: seikoclocks.ph, gs.seikoboutique.com.ph, and shop.seikoboutique.com.ph. 

To avail of the promo, just use this promo code format: L2CSeiko + first 6 digits of your Citi credit card.

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

💳 Up to 20% Off Shipping Fees at ShippingCart

• Eligible cards: All HSBC credit cards
  
• Promo period: Until March 31, 2024

Shopping abroad without boarding a plane? That’s possible with ShippingCart. You can get items from the US, the UK, South Korea, Australia, and Japan without shelling out a large amount of money.^[4] Make shopping with ShippingCart more exciting with exclusive offers from your HSBC credit card:

New customers: Enjoy a 15% discount on air and sea shipping fees capped at US$20 when you use the promo code HSBCNEW23 (no minimum weight required, one-time use only).

Existing customers: Avail of 20% off on shipping fees using the following HSBC promo codes:

• HSBCMAY23 - May 1 – 31, 2023
• HSBCJUN23 - June 1 – 30, 2023
• HSBCJLY23 - July 1 – 31, 2023
• HSBCAUG23 - Aug 1 – 31, 2023
• HSBCSEP23 - Sep 1 – 30, 2023
• HSBCOCT23 - Oct 1 – 31, 2023
• HSBCNOV23 - Nov 1 – 30, 2023
• HSBCDEC23 - Dec 1 – 31, 2023
• HSBCJAN24 - Jan 1 – 31, 2024
• HSBCFEB24 – Feb 1 to 29, 2024

💳 Up to 20% Discount on ZALORA

• Eligible cards: All HSBC credit cards
  
• Promo period: Until January 31, 2024

ZALORA will always be fashionistas’ and style mavens’ go-to shopping haven. Use your HSBC credit card to get a discount so you can load more items into your cart. Whether you’re a new or old ZALORA customer, you can enjoy the following perks:

• For new customers – 20% discount with no minimum spend on first order. Discount is capped at ₱1,000 and valid for one-time use only. Use the code HSBC2023.
• For existing customers – 18% discount with a minimum spend of ₱1,500. Discount is capped at ₱1,000 and valid for multiple uses. Use the code HSBC2023.

💳 15% Discount on Products from Metrobank’s Partner Shops 

• Eligible cards: All Metrobank cards 
• Promo period: Until December 31, 2023 

Make your loved one’s day sunnier with a thoughtful gift. Get your presents from Metrobank’s partner shops to score a discount using your Metrobank credit card.

Check out the following exciting offers: 

• 15% discount on Speed Regalo – Valid for a minimum spend of ₱1,000. Use the promo code SRMETROBANK upon checkout at speedregalo.com.ph. Promo period is until October 31, 2023. 
• 15% discount +  free shipping on all orders at FlowerStore.ph – Discount is capped at ₱150. Use the promo code MBFLOWER at flwr.ph/mblove. 

Read more: Metrobank Credit Card Application: A Beginner’s Guide

💳 Up to 40% Discount on Select Ogawa Products

• Eligible cards: All RCBC credit cards 
• Promo period: Until December 31, 2023

This is the best credit card promo for those who want to cap off their day with a relaxing massage. Just use your RCBC credit card to avail of up to 40% discount on select OGAWA products. 

You’ll also receive another reward if you use the other features of your RCBC credit card. Get an additional  ₱10,000 discount when you purchase a massage chair (excluding the MySofa Series) using 0% installment and Buy Now, Pay Later. 

Read more: Quick and Easy RCBC Credit Card Application Guide

Final Thoughts

Avail of the best credit card promotion to save money and get free gifts. But while it’s wise to take advantage of these credit card promos, avoid the temptation of making unnecessary purchases with your credit card just so you can get the reward you fancy. Whatever credit card promos you choose to grab, always use your card responsibly.

Planning to get a new credit card? Let Moneymax help you find the best credit cards to apply for!

Sources:

• ^[1] Ready for What’s Next with Citi Credit Cards
• ^[2] RCBC Visa Infinite Credit Card Promo Registration Page
• ^[3] When Were Credit Cards Invented: The History of Credit Cards (Forbes)
• ^[4] ShippingCart website