Enjoy These Perks: 22 Best Credit Card Promos This 2023

Jay Pagkatotohan

Jay Pagkatotohan

Last updated December 12, 2022

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 2022, 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.

🎁 Flash Deal from Moneymax: ₱10,000 GCash, AirPods 3, or Marshall Acton II Speaker

moneymax citibank gcash apple airpods marshall acton promo

Eligible cards: All Citibank credit cards

Promo period: Until February 14, 2023

Apply for any Citi credit card through Moneymax and choose your welcome gift: ₱10,000 GCash, Apple AirPods 3 (worth ₱10,990), or Marshall Acton II Bluetooth speaker (worth ₱17,490). Terms and conditions apply.

This Moneymax Citibank GCash/AirPods/Marshall promo runs until February 14, 2023 only. So hurry and apply today!

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

💳 Citibank No Annual Fee Forever and Other Perks

credit card promos - citibank no annual fee forever

Eligible card: All Citibank credit cards (except for Citi Simplicity+ Card)

Promo period: Until March 31, 2023

Citibank has upped its welcome rewards for new cardholders this 2022. 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:

  • Prestige – ₱18,000 eGift
  • PremierMiles – 30,000 never-expiring miles
  • Rewards – No annual fee for life
  • Cash Back – ₱5,000 eGift
  • Shell Citi – No annual fee for life
  • Mercury Citi – No annual fee for life

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!

Apply now

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

💳 Free Gift from Moneymax: ₱2,500 GCash, JBL Go 3 Speaker, or Mi Band 7 Smartwatch

moneymax hsbc gcash jbl go mi band promo

Eligible cards: All HSBC credit cards

Promo period: Until February 14, 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 ₱2,500 GCash, a JBL Go 3 waterproof portable speaker (worth ₱2,399), or a Mi Band 7 Smartwatch (worth ₱2,499). Promo terms and conditions apply. Hurry and apply now!

💳 Waived Annual Fees for HSBC Credit Cards

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

Promo period: Until December 31, 2022

Planning to get an HSBC credit card? If so, you’ll find HSBC’s annual fee waiver one of the best credit card promos in the Philippines! To enjoy this privilege, you must meet the following minimum accumulated spend first:

  • HSBC Gold Visa Cash Back or HSBC Red Mastercard – Minimum accumulated spend of ₱100,000 annually
  • HSBC Platinum Visa Rebate – Minimum accumulated spend of ₱200,000 annually

Apply now

💳 Up to ₱5,000 Lazada Credits with Your UnionBank Credit Card

Eligible card: UnionBank Lazada Credit Card  

Promo period: Until December 31, 2022

If you’re an avid online shopper, a Lazada-branded credit card will definitely come in handy. Apply for a UnionBank Lazada credit card and get Lazada credits worth ₱5,000. You can use these credits not only for shopping but also for paying bills or traveling.  

You can get such credit card freebies upon meeting these eligibility requirements:

  • Having a single or accumulated retail spend worth ₱40,000 with your UnionBank Lazada credit card
  • Downloading or signing up for the UnionBank Online Mobile App
  • Downloading and signing up for a Lazada account and activating your Lazada Wallet

Apply now

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.[2] Check out some of this year’s most exciting credit card promos for dining this 2022.

💳 30% Discount at Smoki Moto with Your Citi Credit Card

credit card promos - citi smoki moto

Eligible cards: All Citi credit cards

Promo period: Until November 30, 2022

Heads up, Pampanga denizens (or those planning to go up north)! If you want to upgrade from your usual K-barbecue sesh, dine at Smoki Moto by Clark Marriott Hotel in Clark.

Enjoy a 30% discount when you pay with your Citibank credit card. This offer is valid from Tuesdays to Sundays for dine-in and take-out transactions, and there’s no minimum spend required. 

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% Discount at Le Soleil de Boracay Hotel Restaurants with Your Citi Credit Card

Eligible cards: All Citi credit cards

Promo period: Until November 30, 2022

Aside from watching the gorgeous sunsets, there’s no better way to appreciate the beauty of Boracay than by eating delicious Pinoy dishes at a discount. Pay with your Citibank credit card and get 10% off on food and beverage at Le Soleil de Boracay Hotel’s Beach Café and Pool Bar.

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 ₱300 Discounts at Food Panda with Your RCBC Credit Card

Eligible cards: RCBC Mastercard, RCBC Visa, and RCBC JBC    

Promo period: Until December 31, 2022

RCBC’s partnership with foodpanda offers foodies some of the most exciting credit card promos in the Philippines. With RCBC credit cards, you don’t get only one but four discounts worth up to ₱300.

  • ₱200 discount with RCBC Mastercard (Promo Code: RCBCMC200)  – Valid for a minimum spend of ₱800; can be used up to six times
  • 25% discount with RCBC Visa (Promo Code: RCBCVISA25)  – Valid for a minimum spend of ₱1,000 with a maximum discount of ₱300; can be used up to six times
  • 25% discount with RCBC JCB (Promo Code: RCBCJCB25)  – Valid for a minimum spend of ₱700 with a maximum discount of ₱175; can be used up to six times
  • ₱200 discount for new foodpanda customers with a RCBC credit card (Promo Code: RCBCNEW200)  – Valid for a minimum spend of ₱400; one-time use only

Apply now

💳 10% Discount at Minami Saki With Your RCBC Credit Card

credit card promos - rcbc minami saki

Eligible cards: All RCBC credit cards

Promo period: Until January 2, 2023

Craving Japanese cuisine? Check out Minami Saki by Astoria! Use your RCBC credit card to get a 10% discount on your order. Just make sure that you have a minimum single-receipt bill worth ₱2,500 or a maximum bill of ₱10,000. This offer applies to both dine-in and take-out transactions.

💳 Two Yellow Cab Pizzas at a Discounted Price with Your UnionBank Credit Card

Eligible cards: All UnionBank credit cards

Promo period: Until December 31, 2022

This is the best credit card promo for all the pizza lovers out there! Use your UnionBank credit card to buy two nine-inch NY-Style Original Crust Pizzas for ₱449 or two 12-inch Thin Crust Pizzas for only ₱799. The discount applies to the following flavors:

  • Nine-inch pizza – Cheese, Hawaiian, Pepperoni
  • 12-inch pizza – Hawaiian, Pepperoni, #4 CheeseTM, Garden Special, BBQ Chicken, Manhattan MeatloversTM, and Patty Melt  

💳 Discount at Boozy with Your HSBC Credit Card

Eligible cards: All HSBC credit cards

Promo period: Until December 31, 2022

What better way to celebrate the approaching Christmas season than with some merrymaking? Complete the celebrations with invigorating spirits from Boozy. 

Use your HSBC credit card to avail of a ₱300 discount on regular-priced and discounted items. A minimum spend of ₱2,000 is required. Just use the code HSBCBOOZY300 to activate the promo.

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 2022!

💳 20% Off Shipping Fees at ShippingCart with Your HSBC Credit Card

Eligible cards: All HSBC credit cards

Promo period: Until March 31, 2023

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.[3] Make shopping with ShippingCart more exciting with exclusive offers from your HSBC credit card:

New customers: Enjoy a 20% discount on shipping fees using the HSBC promo code HSBCNEW22 (no minimum weight required, one-time use only).

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

  • Nov 1 to 30, 2022 - HSBCNOV22
  • Dec 1 to 31, 2022 - HSBCDEC22
  • Jan 1 to 31, 2023 - HSBCJAN23
  • Feb 1 to 28, 2023 - HSBCFEB23
  • Mar 1 to 31, 2023 - HSBCMAR23

Note: For existing ShippingCart customers, keep in mind that the minimum weight requirement is 12 lbs. Promo code can be only used once. 

💳 15% Discount at Meet My Feet with Your EastWest Credit Card

credit card promos - eastwest Meet My Feet

Eligible cards: All EastWest credit cards

Promo period: Until June 14, 2023 

Your tots and kids deserve footwear that effortlessly combines style and comfort. Meet My Feet has a range of shoes and sandals that knows children well. Enjoy a 15% discount with your Eastwest credit card when you shop at Meet My Feet’s online store [4] or at the following physical stores:

  • Glorietta
  • Alabang Town Center
  • Trinoma
  • Ayala Malls Manila Bay
  • Shangri-La Plaza

💳 20% Rebate at SM Retail Stores with Your RCBC Credit Card

Eligible cards: RCBC JBC

Promo period: November 19 to 21 and December 19 to 21, 2022

Shopping at an SM Retail store? Make sure your RCBC JCB credit card is with you, so you can avail of a 20% rebate. Enjoy this deal with a minimum single-receipt or accumulated spend of ₱5,000 at the following SM Retail stores:

  • SM Appliance Center
  • Our Home
  • Crate & Barrel
  • Uniqlo
  • Ace Hardware
  • Dyson
  • Crocs
  • Watsons
  • The Body Shop
  • Innisfree

💳 Up to 30% Off and Free Shipping at Edamama via Your RCBC Credit Card

Eligible cards: RCBC JBC

Promo period: Until December 31, 2022

Mommies, mommies-to-be, and baby shower invitees: here’s the best credit card promo for you. Use your RCBC credit card to get up to 30% off on baby items plus free shipping at edamama. Just use the following codes to avail of the promo:

  • RCBC30 – 30% discount for new edamama users; no minimum purchase required
  • RCBC20 – 20% discount plus free shipping nationwide for existing edamama users; minimum spend of ₱2,500 on participating brands and categories; maximum discount of ₱750
  • RCBCSAVE – 20% discount on first subscription order; maximum discount of ₱600; one-time use only

💳 Up to 20% Discount on Zalora with Your HSBC Credit Cards

credit card promos - hsbc zalora

Eligible cards: All HSBC credit cards

Promo period: Until December 31, 2022

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. Discount is capped at ₱1,000 and valid for one-time use only. Use the code HSBC2022.
  • 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 HSBC2022.
Compare credit cards with Moneymax

Read more: Applying for a Credit Card? Prepare These Credit Card Requirements First

Credit Card Promos for Travel 2023

After being cooped up at home for so long, everyone’s ready for ‘revenge travel.’ The country’s top banks know it, and that’s why they’re offering these exciting credit card promos for travel.

💳 10% Discount at ZEN Rooms PH with Your RCBC Credit Card

credit card promos - rcbc ZEN Rooms PH

Eligible cards: All RCBC credit cards

Booking period: Until December 22, 2022

Stay period: Open; must be booked within the promo period

ZEN Rooms not only provides affordable stays but also brings vacationers closer to the destination’s local scene. If you’re booking accommodation via this platform, you might as well use your RCBC credit card to avail of a 10% discount on all ZEN Rooms properties. Just use the code RCBC10 to activate the promo.

💳 Discounts on South Korea and Japan Tour Packages at JTB with Your RCBC Credit Card

Eligible cards: All RCBC credit cards

Promo period: Until February 1, 2023

Find your oppa in Seoul or visit Akihabara in Tokyo for all things anime. You can travel for less when you use your RCBC credit card to avail of an all-in Japan or Korea tour package at JTB. The same privilege extends to visa applications.

Here are the deals:

  • US$100 discount on Japan and Korea group tour packages
  • US$100 discount on Japan and Korea customized tour packages
  • US$100 discount on DAZA Japan Food Tours
  • ₱300 discount on Japan visa application
  • ₱1,500 discount on Canada and Schengen visa application

💳 15% Discount on Stays at The Manila Hotel with Your UnionBank Credit Card

Eligible cards: All UnionBank credit cards

Promo period: Until December 31, 2022

Stay period: Until January 5, 2023

Make your staycation one for the books! Visit historic destinations in the city of Manila and stay at the forever iconic The Manila Hotel. As long as you have your UnionBank credit card with you, your short break from the hustle and bustle of life doesn’t have to be overly expensive. Using your card, you can get a 15% discount on Deluxe Rooms.

💳 10% Off on Your Next Qatar Airways Flight with Your UnionBank Credit Card

credit card promos - unionbank qatar airways

Eligible cards: All UnionBank Visa credit cards

Promo period: Until March 31, 2023

Travel period: Until June 31, 2023

For those who put a premium on travel, this is the best credit card promo to avail of. Book your next flight with Qatar Airways using your UnionBank Visa credit card and enjoy savings of up to 10%.

Use the promo code APVISA22 to enjoy any of the following:

  • 7% off on Business Class Comfort fares (valid on booking classes R and I) and Economy Class Classic Fares (valid on booking classes O, T, Q, N)
  • 10% off Business Class Comfort Fares (valid on booking classes I and D) and Economy Class Convenience Fares (valid on booking classes S, V, L, M, K)

💳 30% Discount on Rooms at Apo View Hotel with Your EastWest Credit Card

Eligible cards: All EastWest credit cards

Booking period: Until May 14, 2023

Stay period: Until May 20, 2023

Davao City is a traveler’s paradise since it has a healthy mix of nature and modernity. After exploring the city, enjoy a rejuvenating stay at the iconic Apo View Hotel. Book with your EastWest credit card to enjoy 30% off on rooms based on published rates. Just use the promo code EWPERKS to avail of the promo.

On top of discounted room rates, you can enjoy a 15% discount on food at the following restaurants:

  • Blue Room
  • Café Josefina
  • Entrée Restaurant

💳 8% Discount on Hotel Bookings on Agoda with Your HSBC Credit Card

Eligible cards: HSBC Visa credit cards

Booking period: Until February 28, 2023

Stay period: Until June 30, 2023

Got travel plans for 2023? Your accommodation is just as important as your flight. Count on your HSBC Visa credit card when it comes to big savings on your hotel. Use this credit card hotel promo in 2022 to avail of an 8% discount when you book your stay via Agoda.

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!

Compare credit cards with Moneymax

Sources:

Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.