Around five in every 10 Filipinos used online credit card payments for their transactions in 2021, according to Visa’s latest Consumer Payment Attitudes study.[1] There’s no better way to take advantage of online shopping than using the best credit card for online shopping that lets you earn points or rebates, too.
If you don’t have a credit card yet, now’s the best time to shop around for the right credit card for your cashless payments. Not only do credit cards make paying for your purchases convenient. They also make contactless transactions possible, protecting you from coronavirus when you shop in-store.
To help you out, we’ve compiled the top picks for the best credit card for online shopping and what exactly makes them a great choice. Consider upgrading your online shopping experience and kick-start your credit card application!
What to Look for in a Credit Card for Online Shopping
Not all credit cards are the same. Some cards let you earn points, while some return a portion of your money as cashback. In short, different types of credit cards offer various perks and benefits. But whichever you prefer, the best credit card for online shopping should offer the following:
1. Security
Compared to cash, credit cards are more secure because you can still recover your money from unauthorized transactions. Although experts have warned about the rise in credit card fraud during the pandemic,[2] credit cards still offer better security features.
Credit card issuers have introduced several security features to protect credit cardholders, including One-Time Passwords (OTP), alphanumeric passwords, and even voice authentication.[3] Unauthorized transactions can be disputed, and purchases are protected against loss or damage.
2. Ease of Use
Although debit cards and credit cards offer the same level of ease and convenience when used for online transactions, credit cards offer the advantage of purchasing something on credit. With a credit card, you can buy something right now even when you don’t have cash available, and pay for it on your due date the following month.
3. Acceptance
Choosing a credit card that’s accepted anywhere gives you an edge and maximizes your purchasing power. If you have a Visa or Mastercard credit card, you can use it anywhere for online shopping.
4. Perks and Rewards
If you’re looking for the best credit card for online shopping, make sure to get one that lets you earn points with your spending. Most credit cards have rewards programs where you can exchange your points for free gifts. Whether it’s a discount or a cashback, you earn points whenever you use your credit card on digital shopping platforms.
5. Minimum Spend Requirement
Although a lot of online shopping credit cards let you enjoy different card benefits, some make it difficult to rack up points because of the minimum spend requirement. Opt for credit cards with reasonable spend requirements that won't force you to spend or splurge just to earn points.
6. Customer Service
Make sure to consider a credit card that has excellent customer service. Opt for a card provider where you can easily talk to a representative and get assistance with your credit card concerns. A good customer service department can easily provide reassurance and peace of mind whenever you encounter problems with your credit card.
Best Credit Card for Online Shopping in the Philippines: 15 Cards to Choose From
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 ₱30 you spend for online and in-store purchases with this Citibank credit card for your online shopping, you'll get 1 rewards point. Accumulate points to score exciting rewards, including accessories, gadgets, and free flights. You can even convert your points to cash credits.
💳 Citi Rewards Card Perks
- Earn 1 rewards point for every ₱30 spend
- A wide array of exciting and useful rewards
💳 Citi Rewards Card Features
- Annual fee: ₱2,500
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000 (with an existing credit card) / ₱20,833 (without a credit card)
Citi Cash Back Card
Earn as much as ₱1,250 per statement cycle or ₱15,000 per year using your Citi Cash Back Card as a credit card for online shopping. Check our review here. You can also use the card to pay for food and dine within the comforts of your home.
The Citi Cashback Card also lets you enjoy exclusive online shopping deals including 15% off and free shipping when you shop online at Seiko and on sunniestudioes.com.
💳 Citi Cash Back Perks
- 6% cashback on supermarket purchases
- 2% cashback on Meralco bill payments
- 0.20% cashback on all other purchases
💳 Citi Cash Back Features
- Annual fee: ₱4,500 per year (waived for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000 (with an existing credit card) / ₱20,833 (without a credit card)
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 Platinum Visa Rebate
Premium credit cards always pack the most perks, and the HSBC Platinum Visa Rebate card is no different. Read our review about HSBC Platinum Visa Rebate card to know why you should get this card. Make sure you add this to your options for the best credit card for online shopping.
Want to earn cashback faster? Then check out the HSBC Platinum Visa’s generous rebates program. Get a 5% rebate on your shopping and travel transactions. Yes, this rebate card has your online shopping purchases covered as well!
If you’re planning to travel after the pandemic, use the HSBC Platinum Visa for your online shopping as early as now. 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 Rebate Perks
- 5% rebate on shopping (including online) and travel transactions
- 1% rebate on insurance
- 0.50% rebate on all other spend
- 6% rebate on the first Caltex transaction and 3% on Caltex fuel purchases for the whole year
💳 HSBC Platinum Visa Rebate Features
- Annual fee: ₱5,000 (Waived for a minimum spend of ₱200,000 annually when you apply until December 31, 2022)
- Interest rate: 2%
- Minimum monthly income requirement: ₱41,667
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 ₱20 you spend on online transactions and on shopping, dining, and overseas transactions.
The HSBC Red Mastercard also has 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.
💳 HSBC Red Mastercard Perks
- Get 4x points for every ₱20 online spend
- Enjoy 0% interest installment plans up to 36 months
- Get a ₱2,500 cash rebate when you get approved for the first time
💳 HSBC Red Mastercard Features
- Annual fee: ₱2,500 (Waived for a minimum spend of ₱100,000 annually when you apply until December 31, 2022)
- Interest rate: 2%
- Minimum monthly income requirement: ₱16,667
Related reading: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard
UnionBank Lazada Credit Card
If you want to rack up Lazada credits by earning points from your purchases, then apply for this card. You may check our review about UnionBank Lazada credit card and briefly check some perks you can enjoy when you use this credit card for online shopping.
💳 UnionBank Lazada Credit Card Perks
- Free ₱5,000 Lazada credits for your newly approved UnionBank Lazada credit card
- 6 Lazada credits when you spend ₱200 on Lazada and bills payments
- 1 Lazada credit for all other spending categories
- ₱50 free shipping voucher each month at Lazada
- ₱250 mega sale vouchers at Lazada to be used during the five mega sales all year round
- Free ₱500 discount vouchers for five Lazada sales in a year
💳 UnionBank Lazada Credit Card Features
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱30,000
ZALORA Credit Card
Powered by RCBC Bankard, the ZALORA Credit Card is a lifestyle and fashion card that's perfect for fashionistas who wish to rack up rewards every time they shop at Zalora. It lets you earn cashback and saves you from shipping fees with ZNow.
Getting approved for a ZALORA-branded credit card gives you the luxury of free shipping for one year with a minimum spend requirement. You can still enjoy free shipping with ZNow for the following year if you meet the minimum spend requirement of ₱200,000 per year.
💳 ZALORA Credit Card Perks
- ₱5,000 worth of shopping credits for newly approved cards. Use the newly approved card to purchase a minimum of ₱30,000.
- 6% cashback when you shop on Zalora and 2% on other online shops
- Flexible and non-expiring rewards points
💳 ZALORA Credit Card Features
- Annual fee: ₱4,000 per year (waived for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱25,000
RCBC Flex Visa
With the RCBC Flex Visa, you’re not only confined to a few merchants to earn points. You can earn as many rewards points as possible when you use this credit card for online shopping (such as clothing, dining, travel, and transportation purchases). And you can easily exchange your reward points for discount vouchers or cash rebates.
💳 RCBC Bankard Flex Visa Perks
- Earn 2x rewards points in two categories of your choice: clothing, dining, travel, or transportation
- Get free Purchase Protection and Travel Insurance
- Enjoy unli installment privileges and convert straight purchases to installment (up to 36 months)
💳 RCBC Bankard Flex Visa Features
- Annual fee: ₱1,500 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000
For more details about this card, check our RCBC Flex Visa review.
BPI Blue Mastercard
The BPI Blue Mastercard is another great option for the best credit card you can use to shop online. Perks and rewards await you when you use it at your favorite online stores.
Not only can you use the BPI Blue Mastercard at local online shops locally. You can also shop abroad and at international websites and enjoy a low forex conversion rate of just 1.85%.
💳 BPI Blue Mastercard Perks
- Earn 1 rewards point for every ₱35 spend
- Buy Now, Pay Later feature with Bonus Madness Limit you can use for installment
- Stretched payments of up to 36 months at 0% Special Installment Plan
💳 BPI Blue Mastercard Features
- Annual fee: ₱1,550 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000
BPI eCredit Card
Shop with more security with the BPI eCredit Card, which is a free companion card to your BPI Blue Mastercard or any other BPI credit card you get approved for.
The BPI eCredit Card is one of the best credit cards for online shopping because it comes with a different card number for your protection when you shop online, plus a lower credit limit you can personally adjust.
💳 BPI eCredit Card Perks
- Earn 1 rewards point for every ₱35 spend
- Special offers from different online stores
- Added security for online transactions
💳 BPI eCredit Card Features
- Annual fee: No annual fee for life
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000
Metrobank ON Virtual Mastercard
The Metrobank ON Virtual Mastercard is a companion credit card for your other Metrobank credit card that’s designed for online shopping. Its annual fee is only ₱500. and you can waive it in the first year.
And to further sweeten the deal, the Metrobank ON Virtual Mastercard earns you 1 rewards point for every ₱20 spend.
What makes the Metrobank ON Virtual Mastercard more worthwhile is its E-Commerce Protection. You’re covered against wrong or incomplete items on delivery, as well as items damaged in delivery, and even non-delivery of items purchased online.
💳 Metrobank ON Virtual Mastercard Perks
- 1 rewards point for every ₱20 spend
- Low annual fee, which is waived in the first year
- E-Commerce Protection
- Flexible credit limit
💳 Metrobank ON Virtual Mastercard Features
- Annual fee: ₱500 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱15,000
Metrobank Titanium Mastercard
If you’re 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.
For every ₱20 spend, this credit card earns you one 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 for up to 24 months.
💳 Metrobank Titanium Mastercard Perks
- Earn 1 rewards points for every ₱20 spend
- Get 2x points for online, dining, and department store purchases
- Convenient 0% installment plans for up to 24 months
💳 Metrobank Titanium Mastercard Features
- Annual fee: ₱2,500 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱29,167
AUB Easy Mastercard
Want to maximize your online shopping experience without paying annual fees? Then the AUB Easy Mastercard is your best bet if you're still reviewing the best credit card for online shopping.
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 1 rewards point for every ₱20 spend online and in-store. Also, no annual fees forever. That’s always a plus.
To secure your online transactions, the AUB Easy Mastercard is equipped with Mastercard SecureCode, a one-time password (OTP) that verifies every purchase.
💳 AUB Easy Mastercard Perks
- Choose how often and how much you want to pay
- Earn 1 rewards point for every ₱20 spend
- Mastercard SecureCode protocol for added security
💳 AUB Easy Mastercard Features
- Annual fee: Free for life
- Interest rate: 2%
- Minimum monthly income requirement: ₱21,000
Read more: Get Them While They’re Hot: AUB Credit Card Promos This 2022
Security Bank Gold Rewards Mastercard
If you’re considering a credit card for online shopping, don’t forget to look at its 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 ₱20 online spend, you earn 1 rewards point. Use your points to unlock exciting rewards from Security Bank’s wide catalog of perks.
💳 Security Bank Gold Rewards Mastercard Perks
- 1 rewards point for every ₱20 spend
- eSecure feature for setting limits on online shopping
- 0% installment plans for up to 24 months
💳 Security Bank Gold Rewards Mastercard Features
- Annual fee: ₱2,500 (free for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱40,000
Security Bank Next Mastercard
Paying for your purchases in installments is a relief, especially if you don’t have enough cash to settle the bill upfront. The Security Bank Next Mastercard automatically converts your purchases into 12 installments with an add-on rate of 1% per month.
As long as you meet the required minimum single-receipt transaction worth ₱5,000, you don't have to worry about looking for cash to pay for big-ticket items.
💳 Security Bank Next Mastercard Perks
- An auto-convert facility in easy-to-pay installments
- Protect insurance for online purchases
- 1% add-on rate per month for converted purchases
💳 Security Bank Next Mastercard Features
- Annual fee: Waived for life
- Interest rate: 2%
- Minimum monthly income requirement: ₱50,000
EastWest EveryDay Titanium Mastercard
Earning while spending with a credit card for online shopping is made possible by the EastWest EveryDay Titanium Mastercard. You can get as much as a 5% cash rebate every time you spend. You also don’t need to worry about redeeming your rebates because EastWest Bank automatically credits your account when you accumulate ₱200.
💳 EastWest EveryDay Titanium Mastercard Perks
- 5% rebate on essentials; 5% rebate on non-essentials for purchases worth ₱10,000 and above, 3% rebate for ₱10,000 and below, and 0.5% for purchases worth ₱5,000 and below.
- Automatic crediting of accumulated rebate worth ₱200
- A low currency conversion rate of 1.70%
💳 EastWest EveryDay Titanium Mastercard Features
- Annual fee: ₱2,800 per year (waived for the first year)
- Interest rate: 2%
- Minimum monthly income requirement: ₱40,000
Related: EastWest Bank Credit Card Promos 2022: Get This Year’s Most Exciting Deals
How to Use a Credit Card for Shopping Online
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 are the basic payment processes most online stores in the Philippines have.
- When the online store asks for your mode of payment, select Credit Card.
- Provide the following information found on your credit card.
- 16-digit credit card number - the numbers found on front of the card
- Expiration date - also found on front of the card
- Security code - the three-digit number at the back of the card
- Provide your billing address and city zip code if necessary.
- 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 best practice, don’t lend your credit card to anyone, even to family and friends.
How to Protect Your Credit Card for Online Shopping
Credit cards make online shopping easy, convenient, and rewarding. But these come with risks of fraud and other risks. Here are a few tips on how you can protect your credit card for online shopping:
- Use your own device when shopping online. Use your own mobile phone, tablet, or computer when shopping online. Your passwords, username, and other financial information might be encrypted into the device and will be easily accessible.
- Check the merchant URL. Some fraudulent merchants use your bank’s name or other legit online shops on their URLs to entice you to shop and provide your credit card details. Verify first the URL before continuing with your shopping.
- Choose a credit card with layers of security features. Not all credit cards are the same when it comes to security features. Better use a credit card for online shopping with a two-factor authentication feature and account alerts.
- Don’t use all your credit cards to shop online. If possible, pay for your online purchases with a single credit card account to prevent you from exposing all your financial details.
- Create unique passwords. With lots of shops online, your tendency is to use the same username and passwords to help you remember them. Use unique passwords for each online account to minimize the risks of your sensitive personal information getting hacked.
Final Thoughts
Online shopping and cashless transactions offer so many great benefits to consumers. Using any of these credit cards for online shopping allows you to shop conveniently while enjoying the perks that the credit card offers. So before you heed the shopping plea of the holidays, check out the best credit card deals you can avail yourself when you use your credit card for online shopping.
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!
Sources:
- [1] MoreShare of consumers that tried cashless payments in 2021 rises to 84%, Visa says (BusinessWorld, 2022)
- [2] Credit card fraud will increase due to the Covid pandemic, experts warn (CNBC.com, 2021)
- [3] Citi Tops 1 Million Mark for Voice Biometrics Authentication for Asia Pacific Consumer Banking Clients (Citigroup.com, 2017)
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