Best Rewards & Points Credit Cards in the Philippines 2025 | Compare, Earn, and Spend Smarter
Updated: Nov 5, 2025
By comparing the best rewards credit cards in the Philippines, Filipinos can find the one that fits their lifestyle, maximize every peso spent through points and perks, and build responsible spending habits — turning everyday purchases into smarter, more informed financial decisions.
Turn every swipe into savings and rewards. Compare the best points-earning credit cards in the Philippines side-by-side — see which cards give higher multipliers for online and overseas spend, exclusive lounge perks, non-expiring points, and low forex fees.
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Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | UnionBank Rewards Credit Card | ₱67,999 | 3 points / ₱30 | ₱180,000 | Shopping and Dining | ||
 | BPI Rewards Card | ₱63,700 | 1 point / ₱35 | ₱180,000 | Points Seekers | ||
 | Metrobank Titanium Mastercard® | ₱64,490 | 2 points / ₱20 | ₱180,000 | Everyday Shopper | ||
 | HSBC Red Platinum Mastercard | - | - | 4 points / ₱20 | ₱400,000 | Online & Overseas Spenders | |
 | Security Bank Gold Mastercard | - | - | 1 BetterBanking point / ₱20 | ₱360,000 | Daily Spend Reward | |
 | Metrobank Platinum Mastercard® | ₱64,490 | 1 point / ₱20 | ₱700,000 | Foodies Perks | ||
 | Security Bank World Mastercard | - | - | 3 BetterBanking point / ₱20 | ₱3,000,000 | Frequent Traveler | |
 | Metrobank World Mastercard® | ₱64,490 | 3 points / ₱20 | ₱1,500,000 | Frequent Flyers | ||
 | RCBC Flex Gold Visa | ₱60,000 | 2 points / ₱50 | ₱500,000 | Rewards Seekers | ||
 | RCBC Gold Mastercard | ₱60,000 | 1 point / ₱36
| ₱500,000 | - | ||
 | RCBC Flex Visa | ₱60,000 | 2 points / ₱50 | ₱250,000 | Rewards Seekers | ||
 | RCBC Black Card Platinum Mastercard | ₱60,000 | 5 points / ₱30 | ₱1,000,000 | - | ||
 | RCBC Visa Infinite | ₱60,000 | 5 points / ₱30 | ₱2,000,000 | High Spenders | ||
 | RCBC World Mastercard | ₱60,000 | 1 point / ₱10 | ₱2,000,000 | - | ||
 | RCBC JCB Platinum | ₱60,000 | 1 point per ₱25 | ₱1,000,000 | Points Earners | ||
 | RCBC JCB Classic | ₱60,000 | 1 point / ₱36 | ₱250,000 | - | ||
 | RCBC Classic Mastercard | ₱60,000 | 1 point / ₱36 | ₱250,000 | - |
Don’t miss out on these great deals:
🚀 Boost Your Wallet with BPI & Moneymax 🚀
Apply for a new BPI credit card via Moneymax and get a welcome gift worth up to ₱3,700! Choose from cool gadgets like a Xiaomi TV Box, photo printer, action camera, or ₱2,000 cash credit.
Apply by Dec 15, 2025 to claim your reward
Participating Products:
BPI Amore Cashback Card
:
For Ayala Malls Shoppers
BPI Rewards Card
:
For Points Seekers
BPI Petron Card
:
For Petron-loyal Motorists
BPI Amore Platinum Cashback Card
:
For Restaurant-Goers
BPI Gold Rewards Card
:
For Rewards Seekers
BPI Platinum Rewards Card
:
For Lounge Access and Airmiles
BPI Visa Signature Card
:
For Low Value Forex
How to Qualify?
Apply by Dec 15, 2025 to claim your reward
Rewards - Dining Spend Local/Overseas
3 reward pointsRewards - Base Rate
1 point per ₱30Rewards - Retail Spend
3 reward pointsRewards Bonus Cap
No cap on points earningApply through Moneymax and choose from 7 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
Rewards Points
1 point per ₱35Annual 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
Rewards - Dining Spend
2 reward pointsRewards - Base Rate
1 point per ₱20Rewards - Department Store Spend
2 reward pointsRewards - Online Spend
2 reward pointsApply 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
Rewards - Overseas Spend
4 points per ₱20Rewards - Base Rate
1 point per ₱20Rewards - Retail Spend
4 points per ₱20Rewards - Dining Spend
4 points per ₱20- 4x reward points on online, shopping, dining, and overseas spend
- Earn 1 reward point for every ₱20 spend
- 6% rebate on your first Caltex fuel spend; 3% rebate year-round
- Ideal for: online shopping and dining worldwide
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱2,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Rewards Points Baseline
1 point per ₱20Annual 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
Rewards - Dining Spend
Up to 50 %Rewards - Base Rate
1 point per ₱20Annual Fee
FreeMin. Annual income
₱ 700,000Apply 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
Rewards - Base Rate
3 point per ₱20Annual 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
Rewards - Dining Spend
Up to 50 %Rewards - Base Rate
1 point per ₱20Rewards - Overseas Spend
2 reward pointsAnnual Fee
₱ 6,000Apply 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
Rewards - Department Store Spend
2 point per ₱50Rewards - Base Rate
1 point per ₱50Rewards - Fuel Spend
2 point per ₱125Rewards - Travel Spend
2 point per ₱50Apply through Moneymax and choose from 2 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
Rewards - Department Store Spend
1 point per ₱125Rewards - Base Rate
1 point per ₱36Rewards - Grocery Spend
1 point per ₱125Rewards - Fuel Spend
1 point per ₱125Apply 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
Rewards Department Store
2 point per ₱50Rewards Points Baseline
1 point per ₱125Rewards Points Dining
2 point per ₱50Rewards Points Transport
2 point per ₱50Apply through Moneymax and choose from 2 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
Rewards - Overseas Spend
5 point per ₱30Rewards - Base Rate
1 point per ₱30Rewards - Online Shopping
3 point per ₱30Annual Fee
₱ 3,600 per yearApply 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
Rewards Overseas Online
5 points per ₱30Rewards - Base Rate
1 point per ₱30Rewards Overseas In-Store
5 points per ₱30Rewards Supermarket
1 point per ₱30Apply through Moneymax and choose from 2 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
Rewards - Overseas Spend
1 point per ₱10Rewards - Base Rate
1 point per ₱30Annual Fee
₱ 3,600 per yearMin. Annual income
₱ 2,000,000Apply 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
Rewards - Base Rate
1 point per ₱25Annual Fee
₱ 3,600 per yearMin. Annual income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 2 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
Rewards Points Grocery
1 point per ₱125Rewards Points Baseline
1 point per ₱36Rewards Points Petrol
1 point per ₱125Annual Fee
₱ 1,500 per yearApply 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
Rewards Points Baseline
1 point per ₱36Annual 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.