13 Best Credit Cards for Online Shopping in the Philippines
Updated: Aug 20, 2026
Written byMoneymax Editorial Team
Around 8% of Filipinos use credit card payments for their online transactions, according to a study by logistics company Locad.[1] Don’t have a credit card yet? It's time to shop around for the right credit card for cashless payments.
Credit cards make paying for your purchases convenient and contactless transactions possible. By using the best credit card for online shopping, you can earn points or rebates, too.
To help you out, we’ve compiled the top credit cards for the purpose of shopping. Consider upgrading your online shopping experience and kick-start your credit card application!
What to Look for in a Credit Card for Online Shopping
Which credit card is good for online shopping? Note that not all credit cards are the same. Some let you earn points, while some return a portion of your money as cashback.
In short, different types of credit cards come with different perks. But whichever you choose to go with, the best credit card for online shopping should offer the following:
✔️ Security
Compared to cash, credit cards are more secure because you can recover your money from unauthorized transactions. Although you'll have to watch out for instances of credit card fraud,[2] credit cards still offer better security features.
Credit card issuers have introduced several security features to protect credit cardholders, including One-Time Passwords (OTP), alphanumeric passwords, and even voice authentication. Unauthorized transactions can be disputed, and purchases are protected against loss or damage.
✔️ Ease of Use
Although debit cards and credit cards offer the same level of ease and convenience when used for online transactions, credit cards offer the advantage of purchasing on credit. With a credit card, you can buy something right now even if you don’t have cash available, and pay for it on your due date the following month.
✔️ Wide Acceptance
credit card for online shopping - what to look for in a credit card for online shopping
A credit card that’s accepted anywhere gives you an edge and maximizes your purchasing power. If you have a Visa or Mastercard credit card, you can use it anywhere for online shopping.
✔️ Perks and Rewards
If you’re looking for the best credit card for online shopping, make sure to get one that lets you earn points with your spending. You earn points whenever you use your credit card on digital shopping platforms. Most credit cards have rewards programs where you can exchange your points for free gifts.
✔️ Minimum Spend Requirement
Although a lot of online shopping credit cards let you enjoy different benefits, some make it difficult to rack up points because of the minimum spend requirement. Opt for credit cards with reasonable spend requirements that won't force you to splurge just to earn points.
✔️ Customer Service
Make sure to consider a credit card that has excellent customer service. Opt for a card provider where you can easily talk to a representative and get assistance regarding your credit card concerns. A good customer service department can easily provide reassurance and peace of mind whenever you encounter problems with your credit card.
Best Credit Card for Online Shopping in the Philippines: 13 Cards to Choose From
Here's a glance at some of the top credit cards for online shopping:
| Credit Card | Online Shopping Perks |
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Metrobank Titanium Mastercard®
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BPI Rewards Card
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Maya Black Credit Card
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RCBC Flex Visa |
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Metrobank Platinum Mastercard®
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Rewards make a credit card more worthwhile. And if scoring more rewards is your goal, you can’t go wrong with the UnionBank Rewards Credit Card.
For every ₱30 you spend, you'll get 1 rewards point. Plus, you get 3x non-expiring points when you shop and dine here and abroad. Accumulate points to score exciting rewards.
💳 UnionBank Rewards Credit Card Perks
- Earn 1 rewards point for every ₱30 spend
- 3x non-expiring reward points when you shop and dine here and abroad
💳 UnionBank Rewards Credit Card Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Read more: Moneymax Reviews: How Rewarding is a UnionBank Rewards Credit Card?
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Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
Metrobank Titanium Mastercard®
If you’re comparing credit cards for online shopping, consider a credit card that can earn points as quickly as possible. Enter the Metrobank Titanium Mastercard®.
For every ₱20 spend, this credit card earns 1 rewards point. If you use the Metrobank Titanium Mastercard® for your online shopping, you get 2x points.
The Metrobank Titanium Mastercard® can also help with big-ticket online purchases with its 0% interest installment program for up to 24 months.
💳 Metrobank Titanium Mastercard® Perks
- 1 rewards point for every ₱20 spend
- 2x points for online, dining, and department store purchases
- Convenient 0% installment plans for up to 24 months
💳 Metrobank Titanium Mastercard® Features
- Annual fee: ₱2,500 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000 if the applicant has a card with another bank; ₱29,167 if the applicant doesn't have another card
Metrobank Platinum Mastercard®
Rack up points easily with the Metrobank Platinum Mastercard®. You earn 1 rewards point for every ₱20 spend, so start shopping!
Your purchases are also in safe hands with Metrobank's eCommerce purchase protection, which offers coverage of up to US$200 for incomplete or wrong items delivered, defect or damage in delivery, and non-delivery.
💳 Metrobank Platinum Mastercard® Perks
- 1 rewards point for every ₱20 spend
- eCommerce purchase protection of up to US$200
- Up to 50% off on premium dining offers
💳 Metrobank Platinum Mastercard® Features
- Annual fee: ₱5,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱58,333
Read more: Metrobank World vs Platinum Mastercard®: Which is Better for You?
The BPI Rewards Card is one of the best credit cards you can use to shop online. Perks and rewards await when you use the card at your favorite online stores.
Use this BPI credit card not just at local online shops, but also at stores abroad and international websites. Enjoy a low forex conversion rate of just 1.85%.
💳 BPI Rewards Card Perks
- 1 rewards point for every ₱35 spend
- Up to 100% of your credit limit for your installment purchases with the Bonus Madness Limit
- Special Installment Plan payments of up to 36 months at 0%
💳 BPI Rewards Card Features
- Annual fee: ₱1,550 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
RCBC Flex Visa
With the RCBC Flex Visa, you’re not confined to a few merchants to earn points. Earn as many rewards points as possible when you use this credit card for online shopping, whether for clothing, dining, travel, or transportation purchases. You can easily exchange your reward points for discount vouchers or cash rebates.
For more details about this card, check this RCBC Flex Visa review.
💳 RCBC Flex Visa Perks
- 2x rewards points in two categories of your choice: clothing, dining, travel, or transportation
- Free Purchase Protection and Travel Insurance
- Unli Installment to convert straight purchases to installments of up to 36 months
💳 RCBC Flex Visa Features
- Annual fee: ₱1,500 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
How to Use a Credit Card for Shopping Online
credit card for online shopping - how to pay credit card online shopping
Using a credit card is a convenient and cashless way of spending money. It also protects your bank account from unauthorized purchases. If a hacker gets hold of your debit card or digital wallet details, they can steal your money without you knowing it.
However, with a credit card, you can shield your bank account from that risk. Debit, prepaid, and credit cards are equipped with EMV chip technology that secures every transaction. But unlike debit cards, credit cards use a credit line for purchases instead of your actual money.
It’s easy to figure out how to pay using a credit card online. Here is the basic payment process most online stores in the Philippines follow:
- When the online store asks for your mode of payment, select Credit Card.
- Provide the following information found on your credit card.
- 16-digit credit card number - the numbers found on the front of the card
- Expiration date - also found on the front of the card
- Security code - the three-digit number at the back of the card
- Provide your billing address and city zip code if necessary.
- Confirm your order and enjoy your purchase!
That’s it! Just a reminder: don’t give your credit card information to anyone. Avoid taking a picture of your credit card and uploading it on social media. Don’t lend your credit card to anyone, even to family and friends.
How to Protect Your Credit Card for Online Shopping
Credit cards make online shopping easy, convenient, and rewarding. But these come with fraud risks. Here's how you can protect your credit card for online shopping:
- Use your own device when shopping online. Use your own mobile phone, tablet, or computer when shopping. Devices can encrypt your passwords, username, and other financial information, making them easily accessible to other users.
- Check the merchant URL. Some fraudulent merchants incorporate your bank’s name or other legit online shops into their URLs to entice you to shop and provide your credit card details. Verify the URL before continuing your shopping.
- Choose a credit card with layers of security features. Not all credit cards are the same when it comes to security features. Use a credit card with a two-factor authentication feature and account alerts.
- Don’t use all your credit cards to shop online. If possible, pay for your online purchases with a single credit card account to prevent you from exposing all your financial details.
- Create unique passwords. Do you tend to use the same username and password for each online shopping account? Use unique passwords to minimize the risk of your sensitive personal information getting hacked.
Final Thoughts
Online shopping and cashless transactions offer plenty of great benefits to consumers. Use any of these credit cards for online shopping so you can shop conveniently and enjoy the perks. Before you heed the urge to shop, don't forget to check out the best credit card deals you can avail of.
Discover Other Top Credit Cards in the Philippines
Looking for other credit card options in the Philippines? Compare your options through Moneymax! For instance, if you want a credit card that offers premium travel perks instead, look into the Metrobank World Mastercard®. For dining perks, consider the HSBC Gold Visa Cash Back. Lastly, apply for the Security Bank Complete Cashback Platinum Mastercard if your goal is to save money on essential spend.
Click the banner to discover more options.
Sources:
- [1] Philippines’ E-commerce Shoppers at a Glance (Locad, 2023)
- [2] Fraud-Protection and Security (Credit Card Association of the Philippines)
About the author
Moneymax Editorial Team
The Moneymax Editorial Team consists of talented and experienced writers, editors, investors, and subject matter experts on a mission to help Filipinos build healthier financial lives. Browse the Moneymax blog for information and advice on credit cards, loans, insurance, investments, and other personal finance topics. For more financial news and articles, <a href="https://www.linkedin.com/company/moneymax-ph" target="_blank">follow Moneymax on LinkedIn.</a>
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