Pick a Credit Card Welcome Gift: Waived Annual Fees, Points, and More

To entice Filipinos to apply for a credit card, banks in the Philippines offer exciting credit card welcome gifts with new credit card approvals. From electronic gift certificates and cash rebates to waived annual fees, you might even want to apply for as many credit cards as possible just to get the welcome gift!

But the caveat is that you can qualify for these welcome gifts only if you’re a new-to-card or a new-to-bank applicant, meaning you don’t have an existing credit card with that particular bank yet. 

Moreover, some banks require new cardholders to meet a required spending amount within a certain period to receive the welcome gift. 

If you’re shopping for a new credit card, check out this list of welcome gifts from different credit card providers to see if you're eligible to apply and receive the gifts.  

Moneymax Welcome Gift Offers 2023

Read more: Promo Extended: Get Free ₱8,000 GCash from Moneymax!

Citi Simplicity+ Card

• No annual fees
• No overlimit fees
• No late payment fees

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

Citi Cash Back Card

• Up to 6% cash back on supermarket purchases
• Up to 2% cash back on monthly bills payments

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

Citi Rewards Card

• 1 rewards point for every ₱30 spend (non-expiring points)
• 3x points on shopping and dining

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

Citi PremierMiles Card

• Earn one PremierMile for every ₱30 spend
• VIP lounge access
• Free travel insurance coverage of up to ₱1 million

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

Citi Prestige Card

• 5x rewards points on local shopping, dining, and foreign currency spend
• Unlimited lounge access for you and up to four guests in VIP airport lounges worldwide
• Global Concierge Service

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

Mercury Drug Citi Card

• 5x rewards points on up to ₱320,000 spend on Mercury Drug
• 1 rewards point for every ₱200 spend

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

Shell Citi Card

• Up to 5% rebate on Shell fuel purchases
• As much as ₱15,000 savings per year

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

HSBC Red Mastercard

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

HSBC Gold Visa

• 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

Citibank Credit Card Welcome Gift List 2023

Do you want a Citi credit card? With Citibank’s Ready for What’s Next Promo promo,^[1] every Citi credit card comes with a unique welcome gift. And you're free to choose which offer you want!

To qualify for the welcome gift, apply for the following Citibank credit cards until March 31, 2023 and use your card within 60 days to reach the spend requirement. 

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

HSBC Credit Card Welcome Gift 2023

🎁 No Annual Fee for Life

Looking for a great HSBC credit card welcome gift? Save on annual fees forever when you apply and get approved for an HSBC Red Mastercard, Gold Visa Cash Back, or Platinum Visa Rebate card until January 31, 2023.

To qualify for this HSBC waived annual fee promo,^[4] you have to meet the minimum accumulated spend of ₱100,000 (for Red Mastercard or Gold Visa Cash Back) or ₱200,000 (for Platinum Visa Rebate) within 12 months from when your credit card has been approved.

Security Bank Credit Card Welcome Gift Offers

Exciting and valuable welcome gifts await new Security Bank credit cardholders this 2023. 

🎁 Free ₱1,000 PriceLOCQ Fuel e-GC

Gas up for free when you apply for a Security Bank credit card. This promo is open to all new Security Bank Gold Mastercard credit cardholders until January 31, 2023. To receive the free ₱1,000 PriceLOCQ e-voucher,^[2] just meet the minimum single or accumulated spend requirement of ₱40,000 on your new Security Bank Gold Mastercard. 

🎁 Free Shopping Spree or Travel to Dream Destination

Is a wardrobe makeover or a trip to your dream destination in the cards for you this year? Choose one as your welcome gift when you apply and get approved for a Security Bank Platinum or World Mastercard. 

Meet the minimum retail spend requirement of ₱60,000 with your Security Bank Platinum Mastercard or ₱70,000 with your World Mastercard^[3] within 60 days of card activation or March 31, 2023, whichever comes first. This promo applies to both single or accumulated spend.

You can also receive free 170,000 rewards points for your Platinum Mastercard and 250,020 rewards points for your World Mastercard. You can redeem items, miles, shopping and dining e-GCs, and more with your points.

UnionBank Welcome Gift Credit Card Promos

🎁 Free ₱5,000 Lazada Credits

Love to shop at Lazada? Then it’s time to get yourself a UnionBank Lazada credit card. 

Until March 31, 2023, receive free ₱5,000 Lazada credits^[5] when you apply within the promo period and get approved subsequently.

Download and sign up for an account via the UnionBank Online Mobile App. Meet the minimum single or accumulated retail spend of ₱40,000 on your new Lazada Mastercard within 60 days from card approval. You must also have a Lazada account and activate your Lazada Wallet to qualify for the free Lazada Wallet Credits.

UnionBank Lazada Credit Card

• Up to ₱6 Lazada Credits for every ₱200 Lazada spend
  
• Vouchers and free shipping

🎁 ₱12,000 The Travel Club e-GCs 

Headed for new destinations this year? Make your trip hassle-free with a travel credit card companion. You can even shop for your luggage and other travel essentials for free when you apply and get approved for the UnionBank Cebu Pacific Gold or Platinum Credit Card. 

Just meet the minimum spend requirement of ₱45,000 (single or accumulated) to get free The Travel Club e-GCs worth ₱12,000.^[6] You must also download and sign up for UnionBank Online and activate your new UnionBank credit card via the UnionBank Online app. This promo will run until February 28, 2023.

UnionBank Cebu Pacific Gold

• One Go Rewards Point for every ₱200 spend or ₱100 spend in Cebu Pacific
• Exclusive access to Go Rewards and Cebu Pacific sales

UnionBank Cebu Pacific Platinum

• 1Go Rewards Point = ₱1
• Free airport lounge access and travel insurance

🎁 ₱10,000 Tumi and ₱6,000 Delsey e-GCs

More e-GCs are up for grabs when you apply for a UnionBank credit card. Apply and get approved for the UnionBank Miles+ Platinum Visa Card or the UnionBank Gold Visa Card to receive Tumi and Delsey e-GCs.^[7] 

To qualify for the UnionBank welcome gift, you must meet the spending requirement within 65 days of receipt of your card. Spend at least ₱30,000 on your new Gold Visa Card to receive ₱6,000 Delsey e-GCs. If you have a Miles+ Platinum Visa Card, make sure to meet the ₱50,000 minimum spend to get ₱10,000 worth of Tumi e-GCs. This promo will run until January 31, 2023.

UnionBank Gold Visa

• 1 rewards point for every ₱35 spend
• Non-expiring rewards points 
• Free Marhaba Airport Lounge access at NAIA 1 and 3

UnionBank Miles+ Platinum Visa 

• 1 rewards point for every ₱25 spend
• 1.5 points for every ₱25 travel-related spend
• Free travel insurance and Marhaba Airport Lounge access

Metrobank Credit Card Welcome Gift 2023

🎁 No Annual Fees for Life

What about a Metrobank welcome gift? Get free annual fees for life^[8] when you apply and get approved for the Metrobank Titanium Mastercard or the Rewards Plus Visa. Just meet the required spend of ₱180,000 within 12 months of your card approval date. This promo will run until June 30, 2023.

Metrobank Titanium Mastercard

• Earn 2x rewards points on all department store, dining, and online spend 
• Earn one point for every ₱20 spend
• E-Commerce Protection for items purchased online

Metrobank Rewards Plus Visa 

• No annual fee for life (with ₱180,000 annual spend)
• 1 non-expiring point for every ₱20 spend
• 2x rewards points for online, telco, gadget, and delivery transactions

BPI Credit Card Welcome Gift 2023

Thinking of getting a new BPI credit card this year? Get approved for the following cards, receive cashback credits, and waive your annual fees forever!

🎁 Up to ₱30,000 Cashback Credits and Waived Annual Fees

Being a new BPI credit cardholder has never been this rewarding. With BPI’s Welcome Gift and Annual Fee Waiver Offer,^[9] receive as much as ₱30,000 cashback credits and enjoy waived annual fees when you apply and get approved for eligible BPI credit cards.

You can also avail of BPI's balance transfer feature for as low as 0%. To get your BPI credit card welcome gift, meet the required spend amount within the specified spend period. This promo runs until January 31, 2023. 

BPI Amore Cashback Card

• 4% cashback on supermarket and department store spend
• 1% cash back on bills payment and drugstore transactions

BPI Gold Mastercard

• One reward point for every ₱35 spend
• Free travel insurance coverage of up to ₱10 million

BPI Platinum Rewards Mastercard

• Up to ₱10 million free travel insurance
• Airport lounge access worldwide
• Up to 180 days of purchase protection insurance

PNB Credit Card Welcome Gift

🎁 Chance to Win a Mercedes Benz GLA 200 AMG

Apply and get approved for a PNB Platinum Mastercard, PNB-PAL Mabuhay Miles Platinum Mastercard, or PNB-PAL Mabuhay Miles World Mastercard for a chance to win a brand new Mercedes Benz GLA 200 AMG.^[10] 

Earn two raffle entries for single-receipt transactions (cross-border and e-commerce/online) and one raffle entry for all other qualified transactions for a minimum amount of ₱3,500 or US $70 until March 31, 2023. The promo period is until February 28, 2023.

PNB Platinum Mastercard

• Earn rewards points that you can redeem for Mabuhay Miles or Cash Credits
• Card Protect feature for secure shopping 
• Pay in PHP even for transactions abroad 

PNB-PAL Mabuhay Miles Platinum Mastercard

• 2,000 Mabuhay Miles welcome gift upon card activation 
• 1 rewards point = One Mile 
• Exclusive discounts at PAL Online 

PNB-PAL Mabuhay Miles World Mastercard

• 2,000 Mabuhay Miles welcome gift upon card activation 
• 1 rewards point = One Mile 
• Additional free 10,000 Mabuhay Miles for PAL transactions
• World Assist concierge services and priority check-ins
• Free annual fees for life for all supplementary cards

Final Thoughts

More than the credit card welcome gift, know the features, privileges, and fees of the credit card you’re applying for. Make sure to compare credit cards to know which card is right for you.

Read the terms and conditions carefully to see if you’re eligible for the welcome gift. More importantly, use your credit card responsibly, even if there's a minimum spend requirement to receive the welcome gift.  

Sources:

• ^[1] Ready for What’s Next with Citi Credit Cards
• ^[2] Security Bank Gold Mastercard SEAOIL Acquisition Promo
• ^[3] Security Bank Platinum and World Rewards Points Promo
• ^[4] HSBC Waived Annual Fees Promotion
  
• ^[5] UnionBank Lazada Credit Mastercard Welcome Gift Promo
• ^[6] ₱12,000 The Travel Club e-GC
• ^[7] ₱10,000 Tumi e-GCs or ₱6,000 Delsey e-GCs Welcome Gift Offer
• ^[8] 2023 Spend-Based Fee Waiver Promo for Metrobank Titanium Mastercard and Metrobank Rewards Plus Visa
• ^[9] BPI Welcome Gift and Annual Fee Waiver Offer
• ^[10] APPLY AND WIN 1 of 3 Mercedes-Benz GLA 200 AMG with your new PNB Credit Card