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Time to Reap the Rewards: How to Use Your Credit Card Points

Rouselle Isla

Rouselle Isla

Last updated August 09, 2023

Most banks have credit card rewards programs that let you exchange points for exclusive items, like gift certificates, hotel accommodations, air miles, annual fee waivers, and prepaid load. You can redeem these by accumulating enough points with every swipe of your card.

If you don’t know what to do with them, here’s a quick guide on how to use credit card points. 

How Credit Card Rewards Points Work

how to use credit card points - how points work

One great advantage of being a credit cardholder is earning rewards points. These points are incentives that banks offer to frequent card users. Use your card in partner establishments to earn points, which you can then exchange for gift cards, products, and even flights.

Note that the rewards earn rate differs by card and by bank. Check out these cards:


Credit Card Points Earn Rate
UnionBank Rewards Credit Card 
UnionBank Rewards Credit Card - Aug 2023
  • 1 non-expiring point for every ₱30 spend
  • 3x non-expiring points for shopping and dining here and abroad
Metrobank Titanium Mastercard® 
  • 1 point for every ₱20 spend
  • 2x rewards points for dining, online, or department store purchases
HSBC Red Mastercard
hsbc red
  • 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
  • 1 point for every ₱20 spend 
  • Non-expiring points
BPI Rewards Card
BPI Rewards Card
  • 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 



Read this article to know how credit card rewards programs work and how to claim credit card points.

❗ Reminders Before Redeeming Credit Card Points

  • Some banks declare only the primary cardholder as eligible for credit card points. Check with your bank’s policy on earning points and redeeming rewards.
  • Credit card points are non-transferable.
  • The credit card account should be in good standing to redeem rewards.

Read more: How to Earn Credit Card Points and Get Those Exciting Rewards Fast

How to Use Credit Card Points in the Philippines

Here’s how you can redeem credit card rewards points from the top banks in the Philippines.


how to use credit card points - unionbank

UnionBank has quite a lineup of credit cards. Does yours earn points whenever you spend? 

📌 Which UnionBank Credit Cards are Eligible for Rewards?

  • Rewards Credit Card
  • Classic Visa
  • Gold Visa
  • Platinum Visa
  • Miles Plus Visa
  • Miles Platinum Visa
  • PlayEveryday
  • Cebu Pacific Platinum 
  • Cebu Pacific Gold
  • Philippine Academy of Ophthalmology Visa
  • Go Rewards Gold Visa 
  • Go Rewards Platinum Visa
  • Suy Sing Visa
  • Riviera Golf Club Visa
  • Cebu Parklane International Hotel Visa
  • Burgoo Visa
  • Racks Visa 
  • The North Face Visa
  • Insular Life Visa
  • Home Depot Visa
  • Philippine Medical Association Visa
  • Ateneo Alumni Association Visa 
  • University of the Philippines Alumni Association Visa
  • De La Salle - College of Saint Benilde Alumni Association Visa
  • Don Bosco Alumni Association Visa
  • De La Salle Alumni Visa
  • Assumption Alumni Association Visa
  • La Salle Greenhills Visa

📌 How Many UnionBank Credit Card Points to Claim Rewards?

Log in to your UnionBank Online account to view rewards and their corresponding points.

📌 How to Redeem Rewards with UnionBank Credit Card

  1. Log in to the UnionBank Online app and click the credit card account to view your available points. 
  2. Browse the rewards catalog to redeem the available rewards you can redeem. 
  3. Once you decide on an item, enter the details required. 
  4. Review your redemption details and then click Proceed with Redemption
  5. You'll receive a notification that your redemption has been submitted. 

🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!

moneymax unionbank rewards credit card no annual fee promo

Eligible card: UnionBank Rewards Credit Card

Promo period: Until February 29, 2024

Say goodbye to annual fees forever and hello to next-level rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until February 29, 2024 only. Per DTI Fair Trade Permit No. FTEB-178773 Series of 2023.

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


how to use credit card points - metrobank

Want to know how to use Metrobank credit card points? With your accumulated points, redeem gifts, gadgets, air miles, and charitable donations. 

📌 Which Metrobank Credit Cards are Eligible for Rewards?

The Rewards Plus Visa, Titanium Mastercard®, World Mastercard®, Travel Platinum Visa, and Platinum Mastercard® let you earn one point for every ₱20 spent. Plus, you earn extra points when you use specific cards on qualified spending categories or at certain establishments.

On the other hand, the Metrobank Travel Platinum Visa lets you earn one mile for every ₱17 spent overseas or on airlines and hotel accommodations.

📌 How Many Credit Card Points to Claim Metrobank Rewards

Visit the Metrobank Credit Card Points Redemption Catalogue[1] to check your rewards points’ equivalent.

📌 How to Check Points in Metrobank Credit Card

  1. Go to metrobankcard.mymcc.gift.
  2. Under the Promo Title tab, click Check Progress.
  3. Click Claim and select Universal eGC for your token code.
  4. Click the Use This button to get the token code. 

📌 How to Redeem Metrobank Credit Card Points

Chat with @MiaOfMetrobankCard on Facebook Messenger to redeem your rewards instantly:

  1. Type Card Services and hit send. 
  2. To go to the secure page, Click to Proceed.
  3. Enter your 16-digit card number, and then close the browser.
  4. Next, type Redeem Rewards to receive a One-Time Password on your registered mobile number. 
  5. Type the security code. 
  6. You’ll receive your total rewards points. Choose how you want to view your rewards for redemption (by Category, Points, or Product Code).
  7. Wait for your eVoucher to be sent via SMS.

You may call Metrobank Credit Cards Customer Service at +632-88-700-700 for further inquiries or assistance. Premium credit cardholders may email customerservice@metrobankcard.com or call +632-88-700-707. 

📌 How to Convert Metrobank Points to Mabuhay Miles

If you have the Travel Platinum Visa, you can earn one mile for every ₱17 qualified spend (airlines, hotel bookings, and foreign currency transactions). Once you have enough points to convert to Mabuhay Miles, you can redeem an award seat on Philippine Airlines. 

The minimum number of points is 10,000 to start redeeming Mabuhay Miles (with increments of 10,000 points).

Read more: 7 Tipid Tips for Using Your Credit Card Abroad

📌 How to Convert Metrobank Credit Card Points to Cash

You can’t convert your Metrobank credit card points to cash as they don’t have financial or commercial value. Once you’ve redeemed them, you also can’t convert them back to credit card rewards points. 

🎁 Free Gift from Moneymax: ₱2,500 eGift, Xiaomi Redmi Soundbar, or JBL Wave Beam True Wireless Earbuds 

moneymax metrobank credit card promo - giftaway egift xiaomi redmi soundbar jbl wireless earbuds

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

Promo period: Until February 29, 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 from a ₱2,500 eGift voucher via Giftaway, a Xiaomi Redmi Soundbar (worth ₱2,499), or JBL Wave Beam True Wireless Earbuds (worth ₱3,799) as your free special gift.

This Moneymax Metrobank eGift/Xiaomi/JBL promo runs until February 29, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-184526 Series of 2024. Terms and conditions apply.

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


how to use credit card points - hsbc

HSBC is big on giving cardholders Bonus Points for every spend!

📌 Which HSBC Credit Card is Eligible for Rewards?

With the Red Mastercard, you earn 4x Bonus Points for every ₱20 you spend and 4x Bonus Points on dining, overseas, and online transactions via its Accelerated Rewards[2] program. 

📌 How Many HSBC Credit Card Points to Claim Rewards

Visit the HSBC Rewards Catalogue[3] to find out how many Bonus Points you need for each item. 

📌 How to Redeem Rewards with HSBC Credit Card

  1. Accomplish and submit the Online Rewards Redemption Form on the HSBC website.
  2. Tick the terms and conditions box before you submit your form.
  3. Wait for the SMS from HSBC within five working days for your redemption status confirmation. 

🎁 Free Gift from Moneymax: Giftaway Credits, Infinity Audio Clubz 250, or JBL Tune 520 BT

moneymax hsbc credit card promo - giftaway infinity jbl

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until February 29, 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 free welcome gift! Choose from free Giftaway credits worth ₱2,500, Infinity Audio Clubz 250 worth ₱2,599, and JBL Tune 520 BT worth ₱3,349. 

This Moneymax HSBC Giftaway/Infinity Audio/JBL promo runs until February 29, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-184120 Series of 2024. Terms and conditions apply. 

Security Bank

how to use credit card points - security bank

Whether you're a frequent traveler, die-hard shopper, or first-time credit cardholder, a Security Bank credit card meets your spending needs and lets you earn points. 

📌 Which Security Bank Credit Cards are Eligible for Rewards?

  • Classic Mastercard 
  • Gold Mastercard 
  • Platinum Mastercard 
  • World Mastercard

The Security Bank Classic and Gold Mastercard both let you earn one point for every ₱20 spent. Earn two points with the Platinum Mastercard for every ₱20 spent while earning three points with the World Mastercard for every ₱20 spent. 

personal loan with low interest rate in the philippines - unionbank Personal Loan - Apply Now

📌 How Many Credit Card Points to Claim Security Bank Rewards

Check the featured rewards and their corresponding points on the Security Bank Credit Card Rewards page.[4]

📌 How to Redeem Rewards with Security Bank Credit Card

  1. Click the Enter Store button under Start Redeeming on the Security Bank Rewards page.
  2. You can see the tabs featuring different reward categories. Select from the available rewards and hit Add to Cart

For example, if you want to convert your Security Bank Points to Mabuhay Miles, click Travel and add Mabuhay Miles to your cart. 

🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or Nescafe Dolce Gusto Mini Me

security bank welcome gift - egift sony wireless headphones nescafe dolce gusto mini me

Eligible cards: Select Security Bank credit cards

Promo period: Until February 29, 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: a ₱2,500 Giftaway eGift voucher; Sony WH-CH520 wireless headphones worth ₱3,299; or a Nescafe Dolce Gusto Mini Me Coffee Machine (worth ₱6,990).

This Moneymax Security Bank Giftaway/Sony/Nescafe credit card promo runs until February 29, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-183905 Series of 2024.  Terms and conditions apply


how to use credit card points - bpi

Use your BPI credit card to earn points and exchange them for exciting rewards. 

📌 Which BPI Credit Cards are Eligible for Rewards?

  • Blue Mastercard
  • Gold Mastercard
  • Platinum Rewards Mastercard
  • Visa Signature 
  • eCredit Mastercard

Earn two BPI rewards points for every ₱20 you charge to your Visa Signature or for every ₱30 local spend on your Platinum Rewards Mastercard. 

The Blue, Gold, and e-Credit Mastercard earn you one BPI Point for every ₱35 qualified spend. Meanwhile, the Edge, Corporate Classic, and Corporate Mastercard let you earn one BPI Point for every ₱50 spend. 

📌 How Many Points for BPI Credit Card Points Redemption

Simply visit the online BPI credit card points redemption catalog[5] and see how many points you need to redeem specific rewards. 

📌 What's the BPI Credit Card Point Equivalent to Peso?

It depends on what BPI credit card you have. For instance, for the Blue, Gold, and e-Credit Mastercard, every qualified ₱35 spend is equivalent to one BPI Point.

📌 How to Convert BPI Credit Card Points to Cash

Although you can't convert BPI Points to cash, you can redeem shopping credits. Use your shopping credits to pay for purchases or your outstanding credit card balances. 

📌 How to Claim BPI Credit Card Points

Don’t know how to use or redeem your BPI credit card points? Use the VYBE app:

  1. Log in to the app and tap BPI Rewards.
  2. Browse the available rewards.
  3. To choose your reward, tap Redeem Reward.  

Alternatively, call the BPI 24-hour customer service line at +632-889-10000 or email your redemption request to help@bpi.com.ph with the email subject line “Rewards Redemption.” Provide your customer name and number, the item code, and the number of BPI credit card points for conversion. 

You may also proceed to your branch of account and coordinate with the Relationship Manager for your rewards redemption.


how to use credit card points - rcbc

RCBC has a big line-up of credit cards. Is your RCBC credit card eligible to earn rewards points?

📌 Which RCBC Credit Cards are Eligible for Rewards?

Gold and Classic Cards

  • Flex Visa 
  • Classic Mastercard 
  • Classic JCB
  • Gold Mastercard
  • Flex Gold Visa 
  • Gold JCB

Premium Cards

  • Visa Infinite 
  • Visa Platinum 
  • World Mastercard 
  • Black Card Platinum Mastercard 
  • Diamond Card Platinum Mastercard 
  • JCB Platinum 
  • UnionPay Diamond Card
  • YGC Rewards Plus Program 
  • Hexagon Club

Co-Branded Cards 

  • Zalora Credit Card
  • Landmark Anson’s Mastercard 
  • Mango Mastercard 
  • AirAsia Credit Card 

The equivalent of RCBC points to pesos depends on your RCBC credit card and the specific transaction. But you earn rewards points for every ₱30 qualified spend and every ₱250 Fast BillPay transaction.

📌 How Many RCBC Credit Card Points to Claim Rewards

Check out its Rewards Points page[6] to learn how many points are required per credit card to redeem rewards. 

📌 How to Redeem Rewards with RCBC Credit Card

To redeem your rewards, call +632-8888-1888. You may also send an email to email@service.rcbcbankard.com.


how to use credit card points - aub

Aside from enjoying flexible payment terms and great shopping and dining deals, you can also earn rewards points with every qualified spend on eligible AUB credit cards.

📌 Which AUB Credit Cards are Eligible for Rewards?

  • Platinum Mastercard
  • Gold Mastercard 
  • Classic Mastercard 
  • Easy Mastercard

The AUB credit cards above each earn 1 rewards point for every transaction worth ₱50.

📌 How Many AUB Credit Card Points to Claim Rewards

The AUB Credit Cards Rewards page[7] states how many points are required to redeem an item.

📌 How to Redeem Rewards Using AUB Credit Card

Redeem rewards by calling the AUB Customer Service Hotline at +632-8282-8888 or filling out the online redemption form on the AUB Online Banking or AUB Mobile App. 


how to use credit card points - pnb

There are plenty of PNB credit cards that let you earn rewards points with your spending.

📌 Which PNB Credit Cards are Eligible for Rewards?

The following PNB credit cards let you earn 1 rewards point for every ₱70 spend. You can exchange your points for Mabuhay Miles or cash credits.

  • Essentials Mastercard
  • Platinum Mastercard 
  • Diamond UnionPay

PNB Co-Branded Credit Cards

  • Alturas Visa
  • Alumni Association of Asian Institute of Management Platinum Mastercard 
  • Jewelmer Joaillerie Platinum Mastercard
  • Alumni Association of Xavier School (AAXS) Mastercard
  • Ateneo de Zamboanga University (AdZU) Platinum Mastercard
  • Immaculate Conception Academy Alumnae Association (ICAAA) Platinum Mastercard
  • The Travel Club Platinum Mastercard

For the following PNB-PAL Mabuhay Miles credit cards, the points conversions are as follows:

  • PNB-PAL Mabuhay Miles World Mastercard: ₱30 = 1 Point = 1 Mile 
  • PNB-PAL Mabuhay Miles Platinum Mastercard:  ₱48 = 1 Point = 1 Mile 
  • PNB-PAL Mabuhay Miles NOW Mastercard: ₱58 = 1 Point = 1 Mile 

Related reading: Fly for Free When You Convert Your Credit Card Points to Miles

📌 How Many PNB Credit Card Points to Claim Rewards

You need a block of 500 rewards points to redeem ₱125 Cash Credits or 2,000 rewards points to redeem 2,000 Mabuhay Miles. 

📌 How to Redeem Rewards with PNB Credit Card

Call the PNB Cards 24/7 Customer Service Hotline at +632-8818-9818 or fill out the PNB Credit Card Rewards Redemption Form[8] and email it to PNBCreditCards@pnb.com.ph.

Related reading: Credit Card Rewards: When Do Points Expire?

Final Thoughts

An exciting rewards program would entice anyone to apply for a credit card. But keep in mind that these rewards are just a bonus. To manage your spending, find the right credit card and make sure you know how to maximize its features—such as how to use credit card points. 

Compare credit cards with Moneymax today! 

Compare credit cards with Moneymax


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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