Best Rewards Credit Cards in the Philippines (2025)
Updated: Aug 26, 2025
Compare points-earning credit cards side-by-side. See multipliers for online and overseas spend, lounge perks, non-expiring points, and low forex fees. Apply via Moneymax in minutes.
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Card | Hot Reward Pick | Moneymax Reward | Annual Fee | Min. Annual Income | |||
|---|---|---|---|---|---|---|---|
 | UnionBank Rewards Credit Card | ₱128,440 | Free | ₱180,000 | |||
 | BPI Rewards Card | ₱63,299 | ₱1,550 per year | ₱180,000 | |||
 | Metrobank Titanium Mastercard® | ₱64,490 | Free | ₱180,000 | |||
 | Security Bank Gold Mastercard | - | - | ₱2,500 per year | ₱360,000 | ||
 | Metrobank Platinum Mastercard® | ₱64,490 | Free | ₱700,000 | |||
 | Security Bank World Mastercard | - | - | ₱5,000 per year | ₱3,000,000 | ||
 | Metrobank World Mastercard® | ₱64,490 | ₱6,000 | ₱1,500,000 | |||
 | RCBC Flex Gold Visa | ₱62,999 | ₱3,000 per year | ₱500,000 | |||
 | RCBC Gold Mastercard | ₱60,000 | ₱3,000 per year | ₱500,000 | |||
 | RCBC Flex Visa | ₱62,999 | ₱1,500 per year | ₱250,000 | |||
 | RCBC Black Card Platinum Mastercard | ₱60,000 | ₱3,600 per year | ₱1,000,000 | |||
 | RCBC Visa Infinite | ₱62,999 | ₱6,000 per year | ₱2,000,000 | |||
 | RCBC World Mastercard | ₱60,000 | ₱3,600 per year | ₱2,000,000 | |||
 | RCBC JCB Platinum | ₱60,000 | ₱3,600 per year | ₱1,000,000 | |||
 | RCBC JCB Classic | ₱60,000 | ₱1,500 per year | ₱250,000 | |||
 | RCBC Classic Mastercard | ₱60,000 | ₱1,500 per year | ₱250,000 |
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 8 premium rewards:
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 1,550 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn 2x rewards points on dining, department store, and online purchases
- Earn one (1) point for every ₱20 spend
- Enjoy exclusive credit card features from Metrobank
- Ideal for: money-savvy cardholders shopping for essentials
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: Free
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 2,500 per yearMin. Annual Income
₱ 360,000Interest Rate
3 %- Free annual fee for the first year
- Earn one (1) reward point for every ₱20 spend
- Secure online shopping with SecureCode
- Enjoy exclusive rewards and promos all year round
- Ideal for: reward seekers and frequent online shoppers
Repayment Details
Minimum Payment: ₱500
Fees
Annual Fee: ₱2,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Annual Fee
FreeMin. Annual Income
₱ 700,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn 1 reward point for every ₱20 spend
- Up to 50% off on premium dining offers
- eCommerce purchase protection up to $200
- No annual fee for your first supplementary card
- Ideal for: premium dining perk seekers
Repayment Details
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: Free
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱700,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 3,000,000Interest Rate
3 %- Waived annual fee on the first year.
- Earn 3x points for every ₱20 spend.
- Membership to more than 1,000 lounges in over 500 airports worldwide.
- Free travel insurance coverage up to ₱10 million.
- Dining, spa, and retail offers from select exclusive airport merchants.
- Ideal for: travel aficionados who want more travel perks.
Repayment Details
Minimum Amount Due : ₱500
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱3,000,000
Minimum Age: 21 years old
Annual Fee
₱ 6,000Min. Annual Income
₱ 1,500,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Get 2x reward points for international purchases
- Earn 1 reward point for every ₱20 spend
- Enjoy up to 50% off on luxury dining deals
- Ideal for: frequent travelers and premium perk seekers
Repayment Details
Minimum Amount Due: 5 %
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱6,000
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,500,000
Minimum Age: 18 years old
Annual Fee
₱ 3,000 per yearMin. Annual Income
₱ 500,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn 2x rewards points on three preferred categories.
- Change your preferred categories once every billing cycle.
- Exchange your rewards points for shopping vouchers or redeem as cash rebates.
- With free travel insurance (Travel Plus Lite) and purchase protection.
- Get access to the Marhaba/Skyview Airport Lounge.
- Ideal for: millennials who are leveling up in life.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ 3,000 per yearMin. Annual Income
₱ 500,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Earn reward points for as low as ₱36 per spend.
- Exchange your points to air miles and other rewards.
- Free travel insurance and purchase protection for every travel.
- Access free budget monitoring tools to help organize your finances.
- Ideal for: money-savvy cardholders and frequent flyers.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ 1,500 per yearMin. Annual Income
₱ 250,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn 2x rewards points on two preferred categories
- Change your preferred categories once every billing cycle
- Exchange your rewards points for shopping vouchers or redeem as cash rebates
- With free travel insurance (Travel Plus Lite) and purchase protection
- Get access to the Marhaba/Skyview Airport Lounge
- Ideal for: shoppers who want financial flexibility
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Non-expiring reward points.
- Free Travel Insurance up to ₱1,000,000.
- Free Purchase Protection up to P50,000.
- Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.
- 0% installment for your purchases abroad.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 65 years old
Annual Fee
₱ 6,000 per yearMin. Annual Income
₱ 2,000,000Interest Rate
3 %Apply through Moneymax and choose from 5 premium rewards:
- Earn reward points for as low as ₱36 per spend.
- Get 5% rebate at any local or international clothing shops.
- Free travel insurance up to ₱1 million along with other travel perks.
- Free-for-life supplementary cards for up to nine cardholders.
- Ideal for: cardholders who love to shop and travel.
Fees
Annual Fee: ₱6,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ 3,600 per yearMin. Annual income
₱ 2,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Earn reward points for as low as ₱36 per spend.
- Enjoy exclusive deals with Mastercard Moments.
- Free travel insurance and purchase protection.
- Free supplementary cards up to nine cardholders.
- Ideal for: shopaholics and travel enthusiasts.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Earn reward points for as low as ₱25 per spend.
- Access to world-class travel benefits and offers.
- Free travel insurance of up to ₱1 million for every trip.
- Free access to the Marhaba/Skyview Airport Lounge.
- Ideal for: frequent travelers locally and internationally.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 1,500 per yearMin. Annual Income
₱ 250,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Earn one (1) reward point for every ₱36 spend
- Earn one (1) reward point for every ₱125 supermarket, drugstore, or gas station spend
- Free travel insurance and purchase protection up to ₱50,000
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and first-time cardholders
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ 1,500 per yearMin. Annual Income
₱ 250,000Interest Rate
3 %Apply through Moneymax and choose from 1 premium rewards:
- Earn reward points for as low as ₱36 per spend
- Convert your points to air miles and other rewards
- Free travel insurance and purchase protection
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and frequent flyers
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Best Rewards Credit Cards in the Philippines (2025)
Compare points-earning cards side-by-side. Find the fastest earn rates, top multipliers for online/overseas spend, lounge perks, and non-expiring points, then apply in minutes through Moneymax.
Updated for 2025 • Terms, caps, and promos may change. Check the application page for full details
Quick Compare (Editor’s Picks for Points Hunters)
| Credit Card | Why It Stands Out |
|---|---|
| HSBC Red Platinum Mastercard | 4× bonus points on online & overseas spend; broad acceptance; solid base earn. |
| UnionBank Rewards Credit Card | Consistent 3× multiplier on shopping/dining; flexible redemptions. |
| Metrobank Titanium Mastercard® | 2× points on online, department store & dining; accessible income tier. |
| Security Bank World Mastercard | Up to 3× non-expiring points + strong lounge bundle (6 global + unlimited local). |
| RCBC Visa Infinite | 5× overseas & 3× local online multipliers; unlimited local lounge; premium protections. |
| Metrobank World Mastercard® | 3× points on foreign currency; 1.85% FX fee; 2 global passes + unlimited local lounges. |
Multipliers may have category definitions, caps, or registration requirements. Review bank T&Cs before applying.
How to Choose a Rewards Card
- Map your top 2-3 spend areas (online, overseas, dining, groceries, travel) and pick a card with matching multipliers.
- Prefer non-expiring points if you redeem less frequently.
- Check foreign transaction fees (1.85% is among the lowest locally).
- Look for lounge access if you fly 2-3×/year; otherwise maximize pure earn rate.
- Confirm redemption value (e.g., points → miles or shopping credits) and any annual fee waivers.
Moneymax Pro Tip Pair one “everyday accelerator” (e.g., online/dining 2-4×) with one “overseas/miles” card. This combo usually beats a single do-it-all card.
FAQs
Do rewards points expire?
Some banks offer non-expiring points (e.g., Security Bank; RCBC). Others may expire always check T&Cs.
Which is better - cashback or rewards?
If you redeem often for statement credits, cashback is simpler. If you travel or like merchant GCs/miles, rewards points can deliver more value when multiplied.
Can I convert points to air miles?
Yes, many programs let you convert points to miles. Check partner programs and conversion rates on the bank’s rewards page.
Disclaimer: Features may change without prior notice and can vary by promo period, merchant category definitions, or how transactions are posted.