8 Best Credit Cards for Online Shopping in the Philippines

Published: June 25, 2020 | Updated: October 15, 2020 | Posted by: Ricky Publico | Credit Card


Best Credit Cards for Online Shopping in the Philippines | Moneymax

Online shopping has become the main option for shoppers in today’s COVID-19 reality[1]. By now, you should be looking for credit cards for online shopping to make the whole process more convenient for you. Fortunately, these credit cards aren’t that hard to find.

To make it easier for you, we compiled the best credit cards for online shopping and what exactly makes them the perfect choice. Consider upgrading your shopping experience online with these credit cards.

Best Credit Cards for Online Shopping

AUB Easy Mastercard

credit cards for online shopping - aub easy mastercard

Want to maximize your online shopping experience without paying for annual fees? Then the AUB Easy Mastercard is your best bet.

One great thing about owning this credit card is that you can choose how often you want to pay your credit card balance (monthly, bi-monthly, weekly) and how much you want to pay.

If that’s not enough, you can easily earn one (1) rewards point for every PHP 20 spend on online and in-store purchases. Also, no annual fees forever. That’s always a plus.

And to secure your online transactions, the AUB Easy Mastercard is equipped with Mastercard SecureCode, a one-time password (OTP) protocol that verifies every purchase.

AUB Easy Mastercard Perks

  • Choose how often and how much you want to pay
  • Earn one (1) rewards point for every PHP 20 spend
  • Mastercard SecureCode protocol for added security

AUB Easy Mastercard Features

  • Annual fee: Free for life
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 21,000

BDO Gold Mastercard

credit cards for online shopping - bdo gold mastercard

If you’re interested in the more premium options for best credit cards for online shopping, check out BDO Gold Mastercard. It’s definitely a credit card for those looking for a lifestyle upgrade.

For starters, the BDO Gold Mastercard makes it easier to pay for big-ticket online purchases with its EasyPay Convert[2] feature. It converts every purchase into easy 3, 6, 9, 12, 18, 24 and 36 monthly installments.

It also comes with a free BDO virtual card for a more secure and convenient online shopping experience. Shop frequently with the BDO Gold Mastercard and you’ll get a free annual fee waiver if you’ve spent PHP 300,000 in a year.

BDO Gold Mastercard Perks

  • EasyPay Convert – easy installment plans with a minimum spend of PHP 3,000
  • Free annual fee waiver with an annual spend requirement of PHP 300,000
  • Comes with a free BDO virtual card for online purchases

BDO Gold Mastercard Features

  • Annual fee: PHP 2,400 (free for the first year)
  • Interest rate: 3.25%
  • Minimum monthly income requirement: PHP 35,000

Read more: Best Credit Cards for Gadget Shopping

Citi Rewards Card

credit cards for online shopping - citi rewards card

Rewards make owning a credit card more worthwhile. And if scoring more rewards is your goal, then you can’t go wrong with the Citi Rewards Card.

For every PHP 30 spend on online and in-store purchases, you get one (1) rewards point. Accumulate points to score exciting rewards that include accessories, gadgets, and free flights. You can even convert your points to cash credits.

Every credit card from Citibank can avail of Citi PayLite[3] installment plans for online spend worth PHP 3,000 and up. You can choose from 3, 6, 9, 12, 18, and 24 monthly installments with 0% interest. Use it for big-ticket purchases, utility bills, or even tuition fees.

Citi Rewards Card Perks

  • Earn one (1) rewards point for every PHP 30 spend
  • Citi PayLite installment plans with 0% interest
  • Wide array of exciting and useful rewards

Citi Rewards Card Features

  • Annual fee: PHP 2,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 20,833

HSBC Platinum Visa

credit cards for online shopping - hsbc platinum visa

Premium credit cards always pack the most rewards, and the HSBC Platinum Visa is no different. Make sure you add this to your list of credit cards for online shopping.

Want to earn rewards points faster? Then check out the HSBC Platinum Visa’s accelerated rewards program. Get 4x points for every online purchase abroad and 3x points for local purchases. You can easily convert those points for Air Miles/Kris Flyer Miles.

If you’re planning to travel after the lockdown, earn air miles by using the HSBC Platinum Visa for your online shopping. Because when you do get to travel, you get to enjoy free travel insurance and access exclusive perks at over 27,000 establishments in 160 countries.

HSBC Platinum Visa Perks

  • Earn one (1) rewards point for every PHP 20 spend
  • Get 4x points for every online purchase abroad
  • Get 3x points for every online purchase locally

HSBC Platinum Visa Features

  • Annual fee: PHP 5,000
  • Interest rate: 3.5%
  • Minimum monthly income requirement: PHP 41,667

HSBC Red Mastercard

credit cards for online shopping - hsbc red mastercard

Over to the affordable side of things, we have the HSBC Red Mastercard. If you’re looking for your next credit card, then this card should be at the top of your list.

Just like its previous counterpart, the HSBC Red Mastercard also has accelerated rewards for your purchases. Get 4x bonus points for every PHP 20 spend on online, shopping, dining, and overseas transactions.

The HSBC Red Mastercard also touts its 0% interest installment plans of up to 36 months. Just shop from their partner merchants which include Power Mac Center, Rustan’s, and the SM Store, among others.

And if you apply for your first HSBC credit card today until December 31, 2020 and spend at least PHP 5,000, you will receive a PHP 2,500 rebate[4].

HSBC Red Mastercard Perks

  • Get 4x points for every PHP 20 spend on online purchases
  • Enjoy 0% interest installment plans up to 36 months
  • Get a PHP 2,500 cash rebate when you spend PHP 5,000

HSBC Red Mastercard Features

  • Annual fee: PHP 1,500
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 16,667

Read more: 8 Best Credit Cards for Shopping

Metrobank ON Internet Mastercard

credit cards for online shopping - metrobank on internet mastercard

The Metrobank ON Internet Mastercard is one of the few credit cards designed for online shopping. For one, it’s annual fee is only PHP 500 and you can waive it in the first year.

It also has a low minimum monthly income at PHP 15,000, so it’s definitely one of the easiest credit cards to apply for. And to further sweeten the deal, the Metrobank ON Internet Mastercard earns you one (1) rewards point for every PHP 20 spend.

What makes the Metrobank ON Internet Mastercard more worthwhile is its OTP security feature. For every online purchase you make, an OTP will be sent to you to verify your order. The chances of unauthorized purchases are slim with this card in your hands.

Metrobank ON Internet Mastercard Perks

  • Earn one (1) rewards point for every PHP 20 spend
  • Cheap annual fee and low minimum income requirement
  • OTP protocol to secure online transactions

Metrobank ON Internet Mastercard Features

  • Annual fee: PHP 500 (free for the first year)
  • Interest rate: 3.54%
  • Minimum monthly income requirement: PHP 15,000

Metrobank Titanium Mastercard

credit cards for online shopping - metrobank titanium mastercard

If you are comparing credit cards for online shopping, you should include a credit card that can earn you points as quickly as possible. Enter the Metrobank Titanium Mastercard.

Because for every PHP 20 spend, this credit card earns you one (1) rewards point. And if you use the Metrobank Titanium Mastercard for your online shopping, you get 2x points.

The Metrobank Titanium Mastercard can also help you with big-ticket purchases online with its 0% interest installment program up to 24 months.

Metrobank Titanium Mastercard Perks

  • Earn one (1) rewards points for every PHP 20 spend
  • Get 2x points for online, dining, and department store purchases
  • Convenient 0% installment plans up to 24 months

Metrobank Titanium Mastercard Features

  • Annual fee: PHP 2,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 29,167

Read more: 20 Best Credit Cards You Need to Have in 2020

Security Bank Gold Rewards Mastercard

credit cards for online shopping - security bank gold rewards mastercard

If you’re considering credit cards for online shopping, don’t forget to look at their online security features. Security Bank Gold Rewards Mastercard takes it a step further.

Aside from the usual security features of credit cards, Security Bank Gold Rewards Mastercard has its eSecure feature. This lets you set limits for online shopping to avoid overspending and prevent unauthorized purchases.

And for every PHP 20 online spend, you earn one (1) rewards point. Use your points to unlock exciting rewards from Security Bank’s wide catalog of perks.

Security Bank Gold Rewards Mastercard Perks

  • Earn one (1) rewards point for every PHP 20 spend
  • eSecure feature for setting limits on online shopping
  • 0% installment plans up to 24 months

Security Bank Gold Rewards Mastercard Features

  • Annual fee: PHP 2,500 (free for the first year)
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 36,667

How to Pay Using a Credit Card Online

credit cards for online shopping - how to pay credit card online shopping

Not only is using a credit card a convenient and cashless way of spending money, it also protects your bank account from unauthorized purchases. If a hacker gets hold of your debit card or digital wallet details, they can steal your money without you knowing it.

When you use a credit card, you can shield your bank account from that risk. Debit, prepaid, and credit cards are equipped with EMV chip technology that secures every transaction. But unlike debit cards, credit cards use a credit line for purchases instead of your money.

It’s not that hard to figure out how to pay using a credit card online. Here is the basic payment process most online stores in the Philippines have.

  1. When the online store asks for your mode of payment, select Credit Card.
  2. Provide the following information found on your credit card.
  3. 16-digit credit card number – the numbers found in front of the card
    • Expiration date – also found in front of the card
    • Security code – the three-digit number at the back of the card
  4. Provide your billing address and city zip code if necessary.
  5. Confirm your order and enjoy your purchase!

That’s it! Just a reminder: don’t give your credit card information to anyone. Avoid taking a picture of your credit card and uploading it on social media. And as a best practice, don’t lend your credit card to anyone, even to family and friends.

Read more: Best Payment Options for Online Shopping

Final Thoughts

The online shopping trend won’t go away anytime soon. So as early as now, you should consider getting a credit card for your purchases. Just remember to compare all the credit cards for online shopping before applying for one. Choose wisely and enjoy your next online shopping spree!

Discover other top credit cards in the Philippines:

Looking for the best credit card offer in the Philippines? Below is a list of top credit card features with discounts and other perks. Compare your options with Moneymax!

CategoryDescription
No Annual Fee Credit CardsWant to save money with your credit card? Skip the annual fees with these top cards.
Rewards Credit Cards
Earn more rewards points with these best rewards credit cards! Ideal for online shopping and everyday spending.
Cashback Credit CardsEarn cash rebates with every purchase with a cash back credit card. Ideal for groceries and dining.
Travel Credit CardsAre you a frequent traveler? These best travel credit cards are ideal for racking up air miles and other travel rewards.

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