10 Best Hotel Credit Cards in the Philippines for Discounted Stays

Almost half of your vacation is spent in the hotel room. As such, it only makes sense to scout for the best accommodation possible.

Your credit card can help you find the right accommodation for your trip. Some banks partner with leading hospitality brands, offering consumers the best deals on rooms, food and beverage, and value-added services. 

Looking for a good hotel credit card? Check out your options below: 

Best Hotel Credit Cards: 10 Options for Avid Travelers 

What is the best hotel credit card to have? Whether you’re looking to stay at a high-end hotel or at a cozy BnB, here are the best credit cards for booking hotels and other accommodations: 

Credit Card	Hotel Benefits
Metrobank World Mastercard®	Exclusive discounts at partner hotels via Mastercard Travel Rewards and gift certificates from Metrobank and its partner hotels
Metrobank Titanium Mastercard®	Exclusive discounts at partner hotels via Mastercard Travel Rewards and gift certificates from Metrobank and its partner hotels
HSBC Red Mastercard	Exclusive discounts at partner hotels via HSBC’s home&Away program
HSBC Platinum Visa Rebate	Exclusive discounts at partner hotels via HSBC’s home&Away program
HSBC Gold Visa Cash Back	Exclusive discounts at partner hotels via HSBC’s home&Away program
Security Bank World Mastercard	Exclusive hotel discounts with Mastercard and discounts with Security Bank’s partner accommodations
Security Bank Gold Mastercard	Exclusive hotel discounts with Mastercard and discounts with Security Bank’s partner accommodations
BPI Signature Card	Up to 50% off select hotels all year round
RCBC Gold Mastercard	Cashback at Booking.com and discounts at Agoda
UnionBank Miles+ Platinum Visa	Exclusive rates at partner hotels (Astoria Hotels and Resorts for 2023 and 2024)

 

💳 Metrobank World Mastercard^®

• Annual fee: ₱6,000 (waived when you apply until October 31, 2023 and meet an annual spend of ₱600,000)
• Interest rate: 3%
• Minimum monthly income requirement: ₱333,333
• Hotel perks: Exclusive discounts at partner hotels via Mastercard Travel Rewards and gift certificates from Metrobank and its partner hotels 
• Other travel perks:
  • 2x points for international spend
  • Up to 50% discount on luxury dining deals 

The Metrobank World Mastercard^® makes a great hotel credit card as it gives you access to discounts at Mastercard’s partner global hotels, such as Mandarin Oriental Hyde Park in London. 

Moreover, Metrobank and its partner local hotels offer exclusive promos. Here are some of their deals you may want to check out: 

• 25% discount at Best Western Hotel Metro Clark until January 31, 2024
• Up to 71% discount at Crimson Resort & Spa until March 31, 2024 

Looking for the best hotel credit card with no annual fee? You can get your annual fees for this card waived when you apply until October 31, 2023 and meet an annual spend of ₱600,000.

💳 Metrobank Titanium Mastercard^® 

• Annual fee: ₱2,500 (zero annual fees for carded first-time Metrobank cardholders when you apply until February 29, 2024 and meet a yearly spend of ₱180,000)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Hotel perks: Exclusive discounts at partner hotels via Mastercard Travel Rewards and gift certificates from Metrobank and its partner hotels
• Extra travel perk: Up to 2x rewards points on dining and shopping 

Even an entry-level Metrobank credit card like the Titanium Mastercard^® can double as a hotel credit card with exclusive offers. With it, you can avail of the deals mentioned above. 

Maximize your card’s power by going on shopping sprees and dining adventures while holidaymaking. Your Titanium Mastercard^® entitles you to up to 2x rewards points on both dining and shopping.  

Read more: Enjoy the Finer Things in Life: Top 15 Metrobank Credit Card Promos

💳 HSBC Red Mastercard 

• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• Hotel perks: Exclusive discounts at partner hotels via HSBC’s home&Away program 
• Other travel perks:
  • Points convertible to air miles
  • 4x rewards points on spend abroad 

Thanks to HSBC’s home&Away program,^[1] the bank’s credit cards are some of the best out there in terms of travel. Case in point, your HSBC Red Mastercard can score you discounts at exclusive hotels. As of this writing, HSBC has offers in partnership with the following hospitality brands: 

• Dusit Thani Maldives
• Lotte Hotels and Resorts 

💳 HSBC Platinum Visa Rebate 

• Annual fee: ₱5,000 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱41,667
• Hotel perks: Exclusive discounts at partner hotels via HSBC’s home&Away program 
• Other travel perks:
  • Free travel insurance 
  • 5% rebate on shopping and travel transactions 

Just like other HSBC credit cards, your Platinum Visa Rebate gives you access to exclusive hotel discounts via the home&Away program. This means that you can enjoy much more affordable rates at the hotels mentioned above. 

The Platinum Visa Rebate also makes an exciting travel companion for its perks, such as a 5% rebate on shopping and travel transactions. 

💳 HSBC Gold Visa Cash Back  

• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667
• Hotel perks: Exclusive discounts at partner hotels via HSBC’s home&Away program 
• Extra travel perk: 1% cashback on overseas spend 

The HSBC Gold Visa Cash Back isn’t a card designed for everyday spending only. It’s also one of the bank’s credit cards that offer hotel discounts via the home&Away program. 

HSBC Visa cards even previously partnered with Agoda to offer exclusive booking discounts. It may happen again in the future, so stay tuned! 

While you travel abroad, use your Gold Visa Cash Back card to shop. You’re entitled to 1% cashback on overseas spend, so make the most of it. 

Read more: Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa Cash Back

💳 Security Bank World Mastercard 

• Annual fee:  ₱5,000 (free for the first year) 
• Interest rate: 3%
• Minimum monthly income requirement: ₱250,000
• Hotel perks: Exclusive hotel discounts with Mastercard and discounts with Security Bank’s partner accommodations 
• Other travel perks:
  • Free travel insurance 
  • Complimentary airport lounge access
  • Access to Mastercard Travel Rewards 

The World Mastercard is one of Security Bank’s most elite credit cards. As such, you can expect it to offer exclusive accommodations-related privileges. 

True to form, the World Mastercard lets you access hotel credit card promotions and benefits offered by Mastercard. Looking for the best hotel credit card for free nights? You’re in luck, as its promos include the following: 

• Free one-night stay at Capella Properties (Bangkok, Ubud, Hanoi, Singapore, and Sydney)^[2] until April 30, 2024
• Instant 12% discount on hotel bookings worldwide until December 31, 2023 

For local stays, your Security Bank World Mastercard entitles you to the following: 

• 20% discount on best available rates and ₱1,000 dining credits per night at Seda BGC until October 31, 2023 
• 50% discount on Single Deluxe Room at LeBlanc Hotel and Resort Antipolo until June 15, 2024
• Exclusive rates at Lihim Resorts until May 15, 2024

💳 Security Bank Gold Mastercard 

• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000
• Hotel perks: Exclusive hotel discounts with Mastercard and discounts with Security Bank’s partner accommodations 
• Other travel perks:
  • Unlimited Marhaba Lounge access 
  • Worldwide acceptance 

The Security Gold Mastercard is another card meant for travel junkies. With this card, you can tap into the same Security Bank perks and discounts mentioned earlier. 

You can also use your Gold Mastercard to enjoy unlimited Marhaba Lounge access. Shop without worries abroad since it's accepted globally. 

💳 BPI Visa Signature 

• Annual fee: ₱5,500 
• Interest rate: 3%
• Minimum monthly income requirement: ₱100,000
• Hotel perks: Up to 50% off select hotels all year round
• Other travel perks:
  • Up to 50% off on dining all year round
  • 1.85% forex conversion rate 

Is it possible to score year-round BPI credit card hotel promos this 2023? With the BPI Visa Signature, the answer is yes. 

As one of the best credit cards for hotels, BPI Visa Signature lets you enjoy up to 50% off hotels and resorts all year round. The same discount even applies to fitness studios and wellness centers. 

And if you’re shopping abroad, just whip out your BPI Visa Signature and confidently pay for your haul; it’ll save you some money, thanks to its low forex conversion rate. 

💳 RCBC Gold Mastercard 

• Annual fee: ₱3,000 
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Hotel perks: Cashback at Booking.com and discounts at Agoda
• Other travel perks:
  • Free travel insurance
  • 0% installment on purchases abroad 

The RCBC Gold Mastercard is one of the best credit cards to use for booking hotels, as it lets you enjoy the following perks: 

• 10% cashback on accommodation bookings at Booking.com until December 31, 2023
• 10% discount on hotel bookings at Agoda until December 31, 2023

The RCBC Gold Mastercard isn’t only a credit card for hotel stays. You can use it to get free travel insurance and purchase protection, access to airport lounges, and an extra credit limit during your trip. 

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

💳 UnionBank Miles+ Platinum Visa 

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income requirement: ₱50,000
• Hotel perks: Exclusive rates at partner hotels (Astoria Hotels and Resorts for 2023 and 2024) 
• Other travel perks:
  • Free airport lounge 
  • Free travel insurance 

The UnionBank Miles+ Platinum Visa may be known for its fast accumulation of points, but it’s also one of the best credit cards for hotel stays. 

Looking for credit cards that offer hotel discounts? For 2023 to 2024, the bank has partnered with Astoria Hotels and Resorts^[3] to offer 10% off all room categories based on the best available rates. 

This discount applies to the following Astoria properties: 

• Astoria Palawan
• Astoria Current
• Astoria Boracay
• Astoria Plaza
• Astoria Greenbelt

On top of this exclusive deal, your Miles+ Platinum Visa comes with free travel insurance and free airport lounge access. 

Best Hotel Credit Cards: FAQs

1. Are credit cards required for booking hotel rooms?

Hotels do take credit cards, but most accept debit cards as well. However, some budget accommodations accept cash payments only. 

2. Are hotel credit cards worth it?

If you travel often and book accommodations, then yes, it is worth getting a credit card for this purpose. You can rack up points and save money with discounts and cashback.

3. Can you pay for a hotel stay with two credit cards?

Generally, yes, you can split the payment for your stay between two cards. However, you can use only one card to make reservations. Double-check with your accommodation for its official policy on bookings and payments.

Final Thoughts

One of the best things about hotel credit cards is that you can use them to score points when you shop and dine during your trip. And in case you’re not vacationing, you can use your card for everyday expenses. 

Still don’t know which credit card to get? Use Moneymax’s comparison tool to find the card that suits your needs and lifestyle. Click the banner below to get started. 

Sources: 

• ^[1] HSBC home&Away
• ^[2] Capella Properties
• ^[3] Astoria Hotels and Resorts