2023’s Best: 26 Credit Card Promos in the Philippines to Enjoy

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 in the Philippines. 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 in the Philippines for New Cardholders

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

UnionBank Rewards Credit Card

• 3x non-expiring reward points when you shop and dine here and abroad
• 1 non-expiring reward point for every ₱30 spend

Metrobank World Mastercard®

• No annual fees for carded first-time Metrobank cardholders who apply until October 31, 2023 and meet an annual spend of ₱600,000
• 2x rewards points for international purchases
• 1 rewards point for every ₱20 spend
• Up to 50% off on luxury dining deals

Metrobank Platinum Mastercard®

• No annual fees for carded first-time Metrobank cardholders who apply until October 31, 2023 and meet an annual spend of ₱400,000
• 1 rewards point for every ₱20 spend
• Up to 50% off on premium dining offers

Metrobank Titanium Mastercard®

• No annual fees for carded first-time Metrobank cardholders who apply until February 29, 2024 and meet an annual spend of ₱180,000
• 2x rewards points on dining, department store, and online purchases
• 1 rewards point for every ₱20 spend

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

Security Bank Gold Mastercard

• 1 non-expiring rewards point for every ₱20 spend 
• Worldwide acceptance and exclusive Mastercard promos 
• Up to five supplementary cards (the annual fee for the first supplementary card is waived for life)
• Unlimited Marhaba Lounge access at NAIA 1 and 3

Security Bank Complete Cashback Mastercard

• Cashback of up to 5% on five essential expenses: groceries, gas, utilities, dining, and shopping 
• As much as ₱12,000 cashback annually 
• Waived annual fee for the first year
• Exclusive Mastercard promos and discounts

Security Bank Platinum Mastercard

• 1 rewards point for every ₱20 spend
  
• Free travel insurance 
• Access to airport lounges worldwide via LoungeKey
• Mastercard E-Commerce Purchase Protection of up to US$200

Security Bank World Mastercard

• Membership to more than 1,000 lounges in over 500 airports worldwide
• Free travel insurance coverage up to ₱10 million
• Dining, spa, and retail offers from select exclusive airport merchants
• Mastercard E-Commerce Purchase Protection of up to US$200

Security Bank Next Mastercard

• No annual fee for life 
  
• Auto-convert big purchases to 12 monthly installments
• SimplyPay for expenses that require bank deposit payments (tuition fees, hospital bills, rent, business suppliers, professional service fees, etc.) 
• Online Purchase Protect Insurance coverage of up to US$20

💳 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.^[1]

Credit Card Promos in the Philippines for Travel 2023

Turn your dream vacations into reality with the following credit card promos for travel: 

💳 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 

💳 0% Installment at ACEA Beach Resort Subic

• Eligible cards:
  
  • Metrobank Mastercard®: Titanium, Platinum, World, Peso, Vantage, M Free, PSBank Credit, NCCC, Toyota, and ON Virtual
  • Metrobank Visa: Peso, Vantage, Rewards Plus, Femme, Femme Signature, Cashback Platinum, and Travel Platinum
    
• Promo period: Until December 31, 2023  

Subic offers a quick getaway from the stress of the metro, thanks to its lavish stays, high-quality restaurants, and chill bars. Book your room at ACEA Beach Resort Subic with your Metrobank card and pay it in installments at 0% interest for three months. 

This travel credit card promo for 2023 also allows you to avail of Stay Now, Pay Later for up to 90 days. To enjoy this feature, you must have at least a single-receipt spend of ₱5,000 with your Metrobank card. Applicable spends include room charges, dining, and other incidentals.  

💳 7% Discount on Hotel Bookings at Expedia 

• Eligible cards: All HSBC credit cards
• Promo period: Until December 31, 2023
• Stay period: Until March 31, 2024
  

HSBC is one of the best credit cards for travel here and abroad. Case in point, it lets you enjoy a 7% discount when you book your accommodations on Expedia. 

You have a lot of time to plan your trip as this credit card promo is valid until the end of the year. Keep in mind that this offer is non-transferrable and cannot be exchanged for cash and other products. 

💳 Exclusive Rates at LIHIM Resorts El Nido

• Eligible cards: All Security Bank Mastercard credit cards
• Promo period: Until May 15, 2024
• Stay period: Until May 31, 2024 

Wash your worries away by going on a tropical holiday in El Nido, Palawan. If you’re opting for a luxurious stay, book your villa at LIHIM Resorts El Nido. Avail of the following special rates when you pay with your Security Bank credit card: 

This travel credit card promo also entitles you and your companions to the following: 

• Roundtrip air tickets via Airswift 
• Roundtrip transfers (land and boat)
• 10,000 dining credits 
• Daily breakfast sets
• One-time set-up of full minibar with a bottle of wine
• Personalized butler service
• Two-time Warm Bamboo Massage (60 minutes)
• One-day tour to two locations with food and beverage
• Access to resort facilities: swimming pool, sauna, basketball and tennis courts, fitness studio, lounges, non-motorized water and sports equipment

💳 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 in the Philippines 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 2023.

💳 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

💳  Special Freebies at Limitless Barcade 

• Eligible cards:
• Metrobank Mastercard®: Titanium, Platinum, World, Peso, Vantage, M Free, PSBank Credit, NCCC, Toyota, and Robinsons
• Metrobank Visa: Peso, Vantage, Rewards Plus, Femme, Femme Signature, Cashback, and Travel Platinum
• Promo period: Until December 31, 2023 

If your idea of a Friday night out is singing your lungs out or playing video games with friends, Limitless is the place to be. Use your Metrobank credit card to score the following freebies: 

• Free 30 minutes for every one game set: applies to KTV, billiards, darts, and PlayStation
• Free  ₱100 arcade game card for a minimum single-receipt spend of  ₱1,000 card load
• One free cheesecake or brownie ala mode on your birth month for a minimum single-receipt spend of ₱1,500 on card load, KTV, and games 

💳  ₱350 Off Your Purchases at Boozy

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

Turn your weekend into something fancy by cooking restaurant-grade dishes and pairing them with invigorating wines or spirits. Get your fix from Boozy.ph. 

Use your HSBC credit card to enjoy a ₱350 discount. This promo applies to regular-priced items. A minimum spend of ₱3,500 is required. 

To avail of the credit card promo, just use the code HSBCBOOZY350 when you check out at Boozy.ph. 

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

💳 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. 

💳 10% Discount at Café Astoria

• Eligible cards: All Security Bank Mastercard credit cards
• Promo period: Until March 15, 2024

Staying at Astoria Plaza? Pay Café Astoria a visit and explore its gastronomic delights. Pay with your Security Bank Mastercard credit card to enjoy a 10% discount on a la carte dishes and drinks.

A minimum spend of ₱1,000 is required. Take note that alcoholic drinks, group meals, and special offers are not part of the promo. 

💳 Free Pizza Vouchers at Domino’s

• Eligible cards: All Security Bank Mastercard credit cards
• Promo period: Until April 1, 2024

Pizza lovers, unite! You can get exclusive free Domino’s pizza vouchers from Security Bank during the promo period if you’re a Security Bank Mastercard cardholder.

Redeem your voucher at participating Domino’s branches. To do so, just present the following requirements: 

• Your Security Bank Mastercard credit card
• Valid e-voucher SMS from Security Bank
• Valid ID (e.g., passport, voter’s ID, driver’s license, etc.)

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

• Eligible BPI 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

Credit Card Promos in the Philippines 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 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

💳 0% Installment at The Travel Club

• Eligible cards:
• Metrobank Mastercard®: Titanium, Platinum, World, Peso, Vantage, M Free, PSBank Credit, NCCC, Toyota, Robinsons, and ON Virtual
• Metrobank Visa: Peso, Vantage, Rewards Plus, Femme, Femme Signature, Cashback Platinum, and Travel Platinum
• Promo period: Until January 31, 2024 

Whether you’re traveling somewhere or you need a new and stylish bag to hold all your things, The Travel Club has got you covered. Shop without shelling out cash right there and then by using your Metrobank credit card. 

Avail of 0% installment up to 12 months when you meet the following minimum spend requirements: 

• Three months – Minimum spend of  ₱3,000
• Six months – Minimum spend of  ₱7,000
• 12 months – Minimum spend of  ₱20,000

This credit card spending promotion this 2023 is available at all The Travel Club branches. 

💳 0% Installment at Nike

• Eligible cards:
• Metrobank Mastercard®: Titanium, Platinum, World, Peso, Vantage, M Free, PSBank Credit, NCCC, Toyota, and Robinsons, and ON Virtual 
• Metrobank Visa: Peso, Vantage, Rewards Plus, Femme, Femme Signature, Cashback Platinum, and Travel Platinum
• Promo period: Until December 31, 2023 

This is one of the best credit card promos for sneakerheads! Use your Metrobank credit card to enjoy 0% installment on your purchases. Here are the installment schemes: 

• Three months – Minimum spend of  ₱6,000
• Six months – Minimum spend of  ₱10,000

You can avail of this credit card promo at the following Nike branches: 

• BOOTCAMP at Two Parkade BGC
• JORDAN at High Street BGC
• Greenbelt 3
• Glorietta 4
• Bonifacio High Street
• SM Megamall A
• SM Mall of Asia
• SM North EDSA
• SM Fairview
• Podium
• Robinsons Magnolia
• Robinsons Galleria
• Alabang Town Center
• UP Town Center
• Trinoma
• Ayala Manila Bay
• Ayala Feliz
• Ayala Bacolod
• Ayala Center Cebu
• Santa Rosa Outlet
• Lipa Outlet

💳 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.^[3] 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:

• 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.

💳 Up to ₱500 Off at WarehouseDad

• Eligible cards: All Security Bank Mastercard credit cards
• Promo period: Until December 31, 2023

Tech aficionados are in for a treat at WarehouseDad. Buy your new gadgets and gizmos at the official WarehouseDad online store using your Security Bank Mastercard to avail of the following discounts: 

• ₱100 discount – Minimum spend of  ₱5,000. Use this promo code: SBCWD[first 6 digits of card]P1
• ₱200 discount – Minimum spend of  ₱12,000. Use this promo code: SBCWD[first 6 digits of card]P2
• ₱500 discount – Minimum spend of  ₱25,000. Use this promo code: SBCWD[first 6 digits of card]P5

💳 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 in the Philippines, avoid the temptation of making unnecessary purchases with your credit card just so you can get the reward you fancy. Whatever 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] RCBC Visa Infinite Credit Card Promo Registration Page
• ^[2] When Were Credit Cards Invented: The History of Credit Cards (Forbes)
• ^[3] ShippingCart website