Get More Rewards: How to Earn Credit Card Points Quickly

Rouselle Isla

Rouselle Isla

Last updated January 18, 2024

Do you want to know how to earn credit card points? Most rewards points come from daily spending, but there are ways to boost your potential to earn more. 

The key is to use your credit card often to earn significant points. But your credit card spending should align with your spending habits and financial capacity so that you can pay them off in full and on time.

What are Credit Card Points? 

how to earn credit card points - what are points

Credit card points are a type of reward that banks offer their customers. Aside from points, credit cardholders can also earn airline miles and cashback. 

With each type of credit card, you earn points at a set rate per peso you spend. Earning rates differ per bank and credit card. Some have a fixed points system, while others double or triple your points for specific bonus categories. 

For example, travel credit cards offer more points when you make travel-related purchases such as airline tickets, tour packages, or hotel room bookings. 

How Do Credit Card Points Work? 

Use your credit card for various purchases and transactions to start earning points. It's as simple as that! 

Wondering what to do with credit card points? Once you accumulate enough, you can redeem them for items like gift certificates, shopping credits, cashback, or annual fee waivers. 

How to Earn Credit Card Points Fast in the Philippines

how to earn credit card points

Want to know the best way to earn credit card points? Take note of the excellent credit card hacks below to learn how to earn more points on your credit card. 

✔️ Get That Sign-Up Bonus

When you apply and get approved for a new credit card, you can get a sign-up bonus or a welcome gift, such as a significant amount of points, miles, cash, or physical gifts. 

To receive the bonus or gift, meet your credit card issuer’s spend requirement within the first few months of activating the card. 

✔️ Make Referrals

Some banks also give referral bonuses when their existing cardholders invite family or friends to apply for a credit card. You must send them the referral link to qualify for the referral bonus or points. The number of points you’ll get for a successful referral depends on your credit card issuer.

✔️ Check the Fine Print

Make sure you understand the terms and conditions of your credit card provider's rewards program.

For instance, you might be planning to accumulate a certain number of points to redeem a specific reward. Double-check to see if your points have an expiry date. Check which categories will enable you to earn points as well. 

Otherwise, all your efforts to earn points might go down the drain. 

✔️ Choose the Right Card for You

Most importantly, choose the credit card that suits your lifestyle.

If you plan to frequently use your card to pay for groceries, choose an option that will let you earn points for that. Meanwhile, frequent jetsetters should go for cards that accumulate points for overseas spending. 

You can earn double, triple, or even 5x rewards points when you use your qualified credit card on specific spending categories.

Check out some of the best rewards credit cards below:

Credit Card Points Earn Rate
UnionBank Rewards Credit Card 
UnionBank Rewards Credit Card - Aug 2023
APPLY NOW
  • 1 non-expiring point for every ₱30 spend
  • 3x non-expiring points for shopping and dining here and abroad
Metrobank Titanium Mastercard® 
METROBANK TITANIUM MASTERCARD
APPLY NOW
  • 1 point for every ₱20 spend
  • 2x rewards points for dining, online, or department store purchases
HSBC Red Mastercard
hsbc red
APPLY NOW
  • Up to 4x bonus points for every ₱20 spend on dining and online transactions, shopping, and overseas spending
  • 1 rewards point for every ₱20 spend
Security Bank Gold Mastercard
Gold_Contactless_2022-2026-1
APPLY NOW
  • 1 point for every ₱20 spend 
  • Non-expiring points
BPI Rewards Card
BPI Rewards Card
APPLY-NOW
  • 1 BPI Point for every ₱35 spend
  • Exclusive deals all year round
BPI Platinum Rewards Card
BPI Plat Rewards

bpi platinum rewards

  • 2 BPI Points for every ₱30 local spend
  • 2 BPI Points for every ₱20 foreign online or overseas transactions 

 

Find more details and credit card options below:

💳 How to Earn Credit Card Points in UnionBank 

Earn points with purchases made using your UnionBank credit card. Depending on your UnionBank credit card, you can collect points for as low as ₱30 qualified spend.

Here are some of the best rewards credit cards from UnionBank:

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card
  • 1 non-expiring point for every ₱30 spend
  • 3x non-expiring points for shopping and dining here and abroad

🎁 Free Gift from Moneymax: Marshall Emberton II, Dolce Gusto Genio S Plus, Apple AirPods 2, or JBL Tune 720BT, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

Get a Marshall Emberton II worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, JBL Tune 720BT Wireless Headphones worth ₱4,699, or Giftaway cash credits worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank welcome gift promo runs until June 30, 2024 only.

Per DTI Fair Trade Permit No. FTEB-193077 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193104 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-194518 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


UnionBank PlayEveryday

UnionBank PlayEveryday
  • 1 point for every ₱10 spend
  • 500 points when you set up your profile
  • 300 points for every referral

UnionBank Go Rewards Gold Visa

UnionBank Go Rewards Gold Visa

1 Go Rewards Point for every ₱200 spend

UnionBank Cebu Pacific Gold

UB Cebu Pacific Gold
  • 1 Go Rewards Point for every ₱200 spend
  • 1 Go Rewards Point for every ₱100 spend in Cebu Pacific 

UnionBank Miles+ Platinum Visa

UnionBank Miles+ Platinum Visa
  • 1 point for every ₱25 spend
  • 1.5 points for all travel-related spend

💳 How to Earn Credit Card Points in Metrobank 

Metrobank offers different credit cards that let you earn rewards points on your purchases. Earn points faster when you use qualified Metrobank credit cards on specific categories.

Metrobank Titanium Mastercard®

Metrobank Titanium
  • 1 point for every ₱20 spend
  • 2x rewards points for dining, online, or department store purchases

Metrobank Platinum Mastercard®

Metrobank Peso Platinum Mastercard
  • 1 point for every ₱20 spend
  • Free 310,000 rewards points (for first-time Metrobank cardholders who apply until January 31, 2024 and meet a minimum spend of ₱70,000 within 60 days from the card approval date)

Metrobank World Mastercard®

Metrobank World Mastercard
  • 1 point for every ₱20 spend
  • 2x points for every ₱20 international spend
  • Free 300,000 rewards points (for first-time Metrobank cardholders who apply until January 31, 2024 and meet a minimum spend of ₱90,000 within 60 days from the card approval date)

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or JBL Clip 5

moneymax metrobank credit card promo

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until June 30, 2024

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between a Dolce Gusto Piccolo XS worth ₱5,199, a JBL Clip 5 worth ₱3,799, or Giftaway cash credits worth ₱2,500.

This Moneymax Metrobank eGift/Dolce Gusto/JBL promo runs until June 30, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-194371 Series of 2024. Terms and conditions apply. 

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.


Metrobank Rewards Plus Visa

Metrobank Rewards Plus Visa
  • 1 point for every ₱20 spend
  • 2x rewards points on gadget and electronics purchases, delivery services, and online spend

💳 How to Earn Credit Card Points in HSBC 

Earn shopping points or air miles with every purchase you make with your HSBC credit card. Through the HSBC Accelerated Rewards program,[1] shop at any online or shopping merchant to earn bonus points faster.

If you have the following HSBC credit cards, here’s how to get rewards points:

HSBC Red Mastercard

HSBC Red Mastercard
  • Up to 4x bonus points for every ₱20 dining, online, shopping, and overseas spend
  • 1 rewards point for every ₱20 spend

🎁 Free Gift from Moneymax: Giftaway Cash Credits, JBL Flip 6, or JBL Wave Beam

moneymax hsbc credit card promo

Eligible cards: HSBC Red Mastercard and Gold Visa Cash Back

Promo period: Until June 30, 2024

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 welcome gift! Choose from free Giftaway cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Wave Beam worth ₱3,799

This Moneymax HSBC Giftaway/JBL promo runs until June 30, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-192974 Series of 2024. Terms and conditions apply. 


HSBC Premier Mastercard

HSBC Premier
  • 4 bonus points for every ₱20 spent on overseas purchases
  • 3x bonus points on local shopping or dining

💳 How to Earn Credit Card Points in Security Bank 

To earn points on your Security Bank credit card, use it to pay for groceries and other lifestyle purchases. Accumulate points with Security Bank’s rewards credit cards, such as the ones below: 

Security Bank Gold Mastercard

Security Bank Gold Mastercard

  • 1 point for every ₱20 spend 
  • Non-expiring points

Security Bank Platinum Mastercard

Security Bank Platinum Mastercard
  • 2 points for every ₱20 spend
  • Points convertible to air miles and other exclusive rewards

Security Bank World Mastercard

Security Bank World Mastercard
  • 3 points for every ₱20 spend 
  • Non-expiring points

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, JBL Charge 5 Speaker, or Sony WH-CH520 Wireless Headphones

security bank welcome gift

Eligible cards: Gold Mastercard, Complete Cashback Platinum Mastercard, Platinum Mastercard, World Mastercard

Promo period: Until June 30, 2024

Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: ₱2,500 Giftaway cash credits, a JBL Charge 5 worth ₱7,599, or Sony WH-CH520 Wireless Headphones worth ₱3,299.

This Moneymax Security Bank Giftaway/JBL/Sony credit card promo runs until June 30, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-194368 Series of 2024.  Terms and conditions apply. 


Security Bank Classic Mastercard

Security Bank Classic Mastercard
  • 1 point for every ₱20 spend 
  • Non-expiring points

💳 How to Earn Credit Card Points in BPI 

Whenever you use your BPI credit card, you earn BPI Points, which you can use to redeem air miles, gift certificates, or shopping credits.

Here are some of the best rewards credit cards from BPI and the corresponding points you can earn per qualified spend: 

BPI Edge Card

BPI Edge Card
  • 1 BPI Point for every ₱50 spend
  • Points convertible to exciting rewards and freebies

BPI Rewards Card

BPI Rewards Card
  • 1 BPI Point for every ₱35 spend
  • Exclusive deals all year round

BPI Gold Rewards Card

BPI Gold Rewards Card
  • 1 BPI Point for every ₱35 spend
  • Points redeemable for shopping credits, gift vouchers, air miles, and more

BPI Platinum Rewards Card

BPI Platinum Rewards Card
  • 2 BPI Points for every ₱30 local spend
  • 2 BPI Points for every ₱20 foreign online or overseas transactions 

BPI Signature Card

BPI Signature Card
  • 2 BPI Points for every ₱20 spend 
  • Points redeemable for miles, shopping credits, or gift certificates from premium merchants

💳 How to Earn Credit Card Points in RCBC 

Want to know how to earn points with your RCBC credit card? Get an RCBC credit card suited to your needs and lifestyle. For instance, there’s an RCBC credit card that lets you earn double rewards points on two of your preferred categories. 

Here are some RCBC credit cards and their corresponding credit card points earn rates:  

RCBC Flex Visa

RCBC Flex Visa

  • 2x rewards points for every ₱50 spend on two preferred categories
  • 1 rewards point for every ₱125 supermarket, drugstore, and fuel spend
  • 1 rewards point for every ₱250 utility spend
  • 1 rewards point for every other ₱50 spend 

RCBC Gold Mastercard

RCBC Gold Mastercard
  • 1 rewards point for every ₱36 dining, shopping, and travel spend 
  • 1 rewards point for every ₱125 supermarket, drugstore, and fuel spend
  • 1 rewards point for every ₱250 utility spend

RCBC AirAsia Credit Card

RCBC AirAsia
  • 2 AirAsia BIG points for every ₱25 AirAsia spend
  • 1 AirAsia BIG point for every ₱28 domestic retail spend
  • 1 AirAsia BIG point for every ₱22 international retail spend

RCBC Visa Platinum

RCBC Visa Platinum
  • Preferred Airmiles for as low as ₱25 overseas spend or ₱48 local spend
  • 1 Preferred Airmile = 1 point with AirAsia Rewards, Asia Miles, or Mabuhay Miles

RCBC Visa Infinite

RCBC Visa Infinite
  • 5 rewards points for every ₱30 spend online or overseas in-store
  • 3 rewards points for every ₱30 local online spend
  • 1 rewards point for every ₱250 utility spend
  • 1 rewards point for every other ₱30 spend 

Related reading: 

How to Earn Credit Card Points: FAQs

how to earn credit card points - faqs

1. When do credit card points expire?

Fortunately, most credit card providers in the Philippines don't enforce expiration dates on their rewards programs. However, banks such as HSBC have a two- or three-year expiry on rewards points.

With non-expiring rewards, you can redeem points anytime as long as your credit card account is in good standing. Generally, this means the following:

  • Not violating the credit card terms and conditions
  • Paying credit card bills on time and in full, or at least the minimum amount due
  • Maintaining an active and valid credit card account
  • Staying below credit card limit

Related: Say Goodbye to Late Payments with These Credit Card Payment Methods

2. Can I lose my earned points?

Yes, the bank may forfeit your accumulated points, under any of the following circumstances:

  • Inactive, delinquent, suspended, blocked, or canceled credit card account
  • Defaulting on credit card payments (at least 90 days overdue)
  • Breaking any rule in the credit card terms and conditions
  • Exceeding credit card limit
  • Fraud and abuse in earning rewards points
  • Lost card
  • Conversion to another credit card type

Keep your account in good standing so your hard-earned credit card rewards points won't go to waste.

Read more: Ask Moneymax: What is Credit Card Delinquency and How to Avoid It?

3. My credit card points are about to expire. What should I do?

Redeem your points immediately before they become invalid. Most banks now allow rewards redemption online. Go to your issuer's website, find its credit card rewards page, and complete the online form.

Final Thoughts

The process of how to earn credit card points fast will depend on your credit card’s earning structure and point value. So be strategic. Be smart with your everyday spending—don’t use up your credit card limit and don’t spend beyond your means. 

Understand fully how your credit card’s rewards program works. The better you understand how to get rewards points on your credit card, the more you can maximize your credit card usage and expand your rewards-earning potential.

Overwhelmed by the many card choices out there? Compare options via Moneymax to find the best rewards credit card. Click the banner to get started! 

Compare credit cards with Moneymax

Sources: [1] HSBC Accelerated Rewards 

Rouselle has over eight years of writing experience in the personal finance niche. She has written feature stories, articles, and how-to guides on various personal finance and trending lifestyle topics. Before that, she briefly worked in banking and was a licensed life insurance advisor. When not writing, Rouselle likes to read books and binge-watch films and series. Follow Rouselle on Linkedin.

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