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8 Valentine’s Credit Card Promo Offers You’ll Fall in Love With  

Jay Pagkatotohan

Jay Pagkatotohan

Last updated July 01, 2023

Celebrating Valentine’s Day, for some, may mean thinner wallets. But you don’t have to break the bank if you’re wise about spending on this special day. For instance, if you own a credit card, you may get discounts and other Valentine’s promo offers at your provider’s partner merchants.

Still looking for ideas on how to celebrate Valentine’s Day this year? Wondering where you can score a sulit Valentine’s promo? Check out this list, and you might find what you’re looking for.

Valentine’s Credit Card Promo Offers on Dining

The best way to your loved one’s heart is through their stomach. This love month, take your special someone to the finest resto in the metro. Use your credit card to score one of these deals—or all of them!

❤️ Free Camembert Beignet at Terracotta

  • Eligible cards: All RCBC credit cards
  • Promo period: Until June 30, 2023

If you and your Valentine are into laidback yet luxurious dining, Terracotta should be your romantic rendezvous this love month. Check out this bistro’s stunning wine cellar and enjoy its scrumptious dishes.  

With your RCBC credit card, you can get a free order of Camembert Beignet if your minimum single-receipt bill is worth ₱3,500. This Valentine’s promo is valid only for dine-in transactions.

❤️ 40% Discount on Lunch Buffet at Spiral

valentine's day credit card promos - spiral

  • Eligible cards: The following RCBC credit cards: Visa Infinite, Platinum Mastercard, Black Platinum Mastercard, Diamond Platinum Mastercard, JCB Platinum, Visa Platinum, YGC Rewards Plus, Hexagon Club, UnionPay Diamond, World Mastercard (including Balesin and The City Club), ZALORA credit card,
  • Promo period: Until March 31, 2023

Sofitel’s Spiral is famous for its deluxe all-you-can-eat set-up featuring various international cuisines. With its 21 ateliers, you and your loved one will get to taste an eclectic selection of dishes, ranging from steaks and cheeses to seafood and curries.[1] 

Got an RCBC credit card? Whip it out and avail of a 40% discount on the lunch buffet. This love month promo is valid from Monday to Saturday and applies to a minimum of two diners and a maximum of 10 diners. Moreover, it’s only valid for the full-priced regular buffet rate.

❤️ 300 Discount on Regular-Priced Items at Boozy

  • Eligible cards: All HSBC credit cards
  • Promo period: Until June 30, 2023

Planning a candlelit dinner at home? Make it more exciting with this Valentine’s promo for 2023 from HSBC and Boozy. Buy your spirits and mixers with your HSBC credit card and enjoy a ₱300 discount on both regular-priced and discounted items. This offer requires a minimum spend of ₱2,000.

To activate the promo, just use the code HSBCBOOZY300. The best thing about this deal? You can use the code multiple times within the duration of the promo.

Valentine’s Credit Card Promo Offers on Shopping

Is receiving gifts your special someone’s love language? You don’t have to bore a hole in your pockets just to show that you’re thoughtful. Save a lot on presents with the following Valentine’s promos for 2023. Take your pick!

❤️ 20% Discount and Free Shipping at Flowerstore.ph

valentine's day credit card promos - flowerstore.ph

  • Eligible cards: All RCBC credit cards
  • Promo period: Until February 14, 2023

Since time immemorial, flowers have always made a good gift, especially during Valentine’s. A love month promo from RCBC and Flowerstore.ph gives you a 20% discount on flowers with free shipping. To avail of the offer, just use the FlowerStore PH discount code RCBCFSVD.

Take note that the discount is capped at ₱200. Meanwhile, free same-day delivery service is available in the following areas:

  • All areas of Metro Manila
  • All areas of Metro Cebu
  • All areas of Davao City
  • Select parts of Rizal (Antipolo, Cainta, Taytay)

❤️ 20% Discount on Shipping Fees at ShippingCart

  • Eligible cards: All HSBC credit cards
  • Promo period: Until March 31, 2023

Found a lovely Valentine’s present— but abroad? ShippingCart to the rescue![2] If you have an HSBC credit card, you can enjoy a 20% discount on shipping fees. Take note, though, that new and existing customers have different promo codes.

For new customers, just use the code HSBCNEW22. You can use it once for either ShippingCart AU, Korea, Japan, US, or UK warehouses. There’s also no minimum weight requirement.

For existing customers, the love month promo codes are HSBCFEB23 (applicable from February 1 to 28, 2023) and HSBCMAR23 (applicable from March 1 to 31, 2023). You can use the code once for either ShippingCart US or UK warehouses. The minimum weight requirement is 12 lbs or around 5.4 kg.  

Read more: What is the Perfect HSBC Credit Card for You?

❤️ 17% Discount at Select Seiko and Alba by Seiko

valentine's day credit card promos - seiko

  • Eligible cards: All RCBC JCB credit cards
  • Promo period: Until August 20, 2023

Give your loved one the gift of time—literally—with a classy timepiece from Seiko or Alba by Seiko. Use your RCBC JCB credit card to enjoy up to 17% discount on select watches from the brand. This Valentine’s credit card promo applies to straight transactions only.

You can avail of the offer at the following Seiko branches:

  • Ayala Malls Manila Bay
  • Glorietta
  • Ayala Center Cebu
  • Mitsukoshi Mall
  • Power Plant Mall
  • SM City North Edsa
  • SM Aura
  • SM City Cebu
  • SM Cebu Seaside
  • SM Megamall

Valentine’s Credit Card Promo Offers on Travel

This love month, go somewhere you and your SO can be alone while taking in the beauty of the world. Make your romantic getaway happen with the following Valentine’s credit card promo offers!

❤️ 50% Discount on Superior Rooms at Charlie’s El Nido

valentine's day credit card promos - charlie's

  • Eligible cards: All RCBC credit cards
  • Booking period: May 31, 2023
  • Stay period: Until June 7, 2023

With its stunning beaches, towering limestone cliffs, and picturesque islands, El Nido is easily a lovers’ paradise. After a day of island hopping and swimming, get comfy and cozy at Charlie’s El Nido.

With your RCBC credit card, you can enjoy a 50% discount on Superior Rooms (Twin or Queen) based on the best available rates. This Valentine’s promo for 2023 in the Philippines also entitles you and your loved one to the following:

  • Welcome drinks
  • Round-trip airport transfers via Lio Airport
  • Shuttle service to El Nido town and Lio beach
  • Free rebooking if the rescheduling is made three days prior to the confirmed arrival. You can rebook up to three times.

Read more: Quick and Easy RCBC Credit Card Application Guide

❤️ Up to 8% Discount at Klook

  • Eligible cards: All HSBC credit cards
  • Promo period: Until March 31, 2023

Whether you’re traveling here or abroad, you can avoid any hassles by booking your attraction tickets, tours, hotels, and more with Klook. If you have an HSBC credit card, use it to avail of up to an 8% discount on your bookings.

Here are the love month promo codes. Keep in mind that they’re valid for one-time use only.

  • HSBCKLOOK2023 – 5% discount on Klook activities and hotels
  • HSBCKLOOKSTAY – 8% discount on local stays or hotels

Read more: A First-Timer’s Guide to HSBC Credit Card Application

Best Credit Cards to Use on Valentine's Dates

It's one thing to find the right Valentine's promo, but you won't be able to enjoy it if you don't have the right credit card. Here's a quick list of great credit cards to bring for your next Valentine's date.

UnionBank Classic Visa Card

UnionBank Classic Visa Card

Who says you can't enjoy your Valentine's date and get a reward at the same time? Use your UnionBank Classic Visa Card and one reward point for every ₱35 spend when you shop for gifts and dine out with your special someone.

🎁 Rewards Rate:

  • 1 point per ₱35 spend

✅ Features and Fees:

  • Annual fee: ₱1,500
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱15,000

🎁 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 September 30, 2023

Say goodbye to annual fees forever and hello to leveled-up 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 September 30, 2023 only. Per DTI Fair Trade Permit No. FTEB-172472 Series of 2023. Click the banner above to apply now!

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


HSBC Gold Visa Cash Back

HSBC Gold Visa

Even if you can't find the right Valentine's promo, you can still score great discounts with an HSBC Gold Visa Cash Back. You'll get a 5% rebate on dining spend and a 0.5% rebate on everything else.

💰 Cashback Rate:

  • Dining: 5%
  • Fuel: Up to 6%
  • Department store: 1%
  • Overseas: 1%
  • Others: 0.5%

✅ Features and Fees:

  • Annual fee: ₱2,500
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱16,667

Security Bank Complete Cashback Mastercard

valentine's day credit card promos - Security Bank Complete Cashback Platinum

While dining out is great, nothing's sexier than having a romantic date at home with all the savings in the world. This card gets you a 5% rebate on groceries and a 2% rebate on dining to cover all the bases.

💰 Cashback Rate:

  • Groceries: 5%
  • Fuel: 4%
  • Utilities: 3%
  • Dining: 2%
  • Shopping: 1%

✅ Features and Fees:

  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱65,000

🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or De'Longhi Blade Coffee Grinder

moneymax security bank egift sony headphones delonghi credit card promo

Eligible cards: Select Security Bank credit cards

Promo period: Until November 11, 2023

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 De’Longhi Blade Coffee Grinder (worth ₱3,800).

Per DTI Fair Trade Permit No. FTEB-175575 Series of 2023. Terms and conditions apply. This Moneymax Security Bank Giftaway/De'Longhi credit card promo runs until November 11, 2023 only. Apply now!

Final Thoughts

Whether you’re spending it solo or with a partner, you can grab Valentine’s credit card promo offers with your credit card. So why not take advantage of them? Have yourself a fun Valentine’s with all your loved ones!

Compare credit cards with Moneymax


Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.


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