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Rewards Credit Cards in the Philippines

Take advantage of reward points! Get a rewards credit card according to your lifestyle and needs.

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FEATURED
UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
info
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

FEATURED
Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
info
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

FEATURED
HSBC Red Mastercard

HSBC Red Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
JBL Flip 6
JBL Flip 6

+ 2 other gift options

Valid until

15 April 2024

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Security Bank Gold Mastercard

Security Bank Gold Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 360,000
Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Free rewards points

check

No Annual Fee

check

Nice card face

RCBC Mango Mastercard

RCBC Mango Mastercard

Annual Fee
₱ 1,200  per year
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Installment

check

Exclusive discounts

check

Online shopping points

HSBC Red Mastercard

HSBC Red Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
JBL Flip 6
JBL Flip 6

+ 2 other gift options

Valid until

15 April 2024

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Metrobank Platinum Mastercard®

Metrobank Platinum Mastercard®

Annual Fee
₱ 5,000
info
Min. Annual Income
₱ 700,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Get a welcome gift + 120,000 reward points!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

Security Bank World Mastercard

Security Bank World Mastercard

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 3,000,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
info
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Metrobank World Mastercard®

Metrobank World Mastercard®

Annual Fee
₱ 6,000
Min. Annual Income
₱ 1,500,000
info
Monthly Effective Interest Rate
3  %

Offer Available

Get a welcome gift + 120,000 reward points!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Fine dining

remove

High income requirement

RCBC Flex Gold Visa

RCBC Flex Gold Visa

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

RCBC Unionpay Diamond Card

RCBC Unionpay Diamond Card

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Bonus air miles

check

Travel insurance

remove

High income requirement

Bank of Commerce Gold Mastercard

Bank of Commerce Gold Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 455,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Installment

check

Dining points

check

Shopping points

check

Exclusive discounts

Robinsons Bank DOS Mastercard

Robinsons Bank DOS Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 180,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Free reward points

check

Exclusive discounts

check

Good for beginners

RCBC Gold Mastercard

RCBC Gold Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

remove

High income requirement

remove

Credit card required

Maybank Gold Visa

Maybank Gold Visa

Annual Fee
₱ 2,500  per year
info
Min. Annual Income
₱ 420,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Overseas rebate

check

Exclusive discounts

remove

High income requirement

BPI Gold Rewards Card

BPI Gold Rewards Card

Annual Fee
₱ 2,250  per year
Min. Annual Income
₱ 480,000
Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Insurance installment

check

Exclusive discounts

UnionBank Cebu Pacific Gold

UnionBank Cebu Pacific Gold

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 360,000
Monthly Effective Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel points

check

Nice card face

check

Exclusive discounts

Maybank Standard Mastercard

Maybank Standard Mastercard

Annual Fee
₱ 2,000  per year
info
Min. Annual Income
₱ 195,000
info
Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

Maybank Visa Classic

Maybank Visa Classic

Annual Fee
₱ 2,000  per year
info
Min. Annual Income
₱ 195,000
info
Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

PNB Diamond UnionPay

PNB Diamond UnionPay

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 120,000
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Exclusive discounts

BPI Rewards Card

BPI Rewards Card

Annual Fee
₱ 1,550  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

PNB-PAL Mabuhay Miles Platinum Mastercard

PNB-PAL Mabuhay Miles Platinum Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 1,200,000
Interest Rate
2  %

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

PNB Platinum Mastercard

PNB Platinum Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

Maybank Platinum Mastercard

Maybank Platinum Mastercard

Annual Fee
₱ 3,500  per year
info
Min. Annual Income
₱ 650,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Overseas rebate

check

Exclusive discounts

remove

High income requirement

RCBC Flex Visa

RCBC Flex Visa

Annual Fee
₱ 1,500  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

Maybank Platinum Visa

Maybank Platinum Visa

Annual Fee
₱ 3,500  per year
info
Min. Annual Income
₱ 650,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Overseas rebate

check

Exclusive discounts

remove

High income requirement

RCBC Black Card Platinum Mastercard

RCBC Black Card Platinum Mastercard

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Online shopping points

check

Travel insurance

remove

High income requirement

Bank of Commerce Classic Mastercard

Bank of Commerce Classic Mastercard

Annual Fee
₱ 1,500  per year
Min. Annual Income
₱ 120,000
info
Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Dining points

check

Installment

check

Exclusive discounts

BPI Edge Card

BPI Edge Card

Annual Fee
₱ 1,320  per year
info
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Installment

check

Nice card face

check

Exclusive discounts

PNB-PAL Mabuhay Miles World Mastercard

PNB-PAL Mabuhay Miles World Mastercard

Annual Fee
₱ 6,000  per year
Minimum Annual Income
₱ 2,400,000
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

Bonus air miles

check

Installment

check

Exclusive discounts

remove

High income requirement

PNB Essentials Mastercard

PNB Essentials Mastercard

Annual Fee
₱ 1,200  per year
Min. Annual Income
₱ 120,000
info
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Good for beginners

RCBC Landmark Anson's Mastercard

RCBC Landmark Anson's Mastercard

Annual Fee
₱ 960  per year
Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

No-brainer rebate

check

Supermarket rebate

check

Installment

check

Exclusive discounts

AUB Platinum Mastercard

AUB Platinum Mastercard

Annual Fee
Free
info
Min. Annual Income
₱ 1,200,000
info
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

AUB Classic Mastercard

AUB Classic Mastercard

Annual Fee
Free
info
Min. Annual Income
₱ 252,000
info
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Exclusive discounts

check

Choose your annual fee

Maybank Gold Mastercard

Maybank Gold Mastercard

Annual Fee
₱ 2,500  per year
info
Min. Annual Income
₱ 420,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

AUB Gold Mastercard

AUB Gold Mastercard

Annual Fee
Free
info
Min. Annual Income
₱ 600,000
info
Monthly Effective Interest Rate
2  %

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

RCBC Visa Infinite

RCBC Visa Infinite

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 3,600,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

No-brainer rebate

check

Retail rebate

check

Travel insurance

remove

High income requirement

RCBC YGC Rewards Plus Platinum Mastercard

RCBC YGC Rewards Plus Platinum Mastercard

Annual Fee
₱ 3,600  per year
info
Min. Annual Income
₱ 230,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Airport lounge

check

Exclusive discounts

check

Good for beginners

RCBC World Mastercard

RCBC World Mastercard

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 3,600,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

AirAsia Credit Card

AirAsia Credit Card

Annual Fee
₱ 3,600  per year
info
Min. Annual Income
₱ 250,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Travel points

check

Bonus air miles

check

Airport lounge

check

Exclusive discounts

RCBC JCB Platinum

RCBC JCB Platinum

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Platinum Rewards Card

BPI Platinum Rewards Card

Annual Fee
₱ 4,000  per year
Min. Annual Income
₱ 1,000,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Online shopping points

check

Airport lounge

remove

High income requirement

RCBC Zalora Credit Card

RCBC Zalora Credit Card

Annual Fee
₱ 4,000  per year
Min. Annual Income
₱ 300,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Online shopping points

check

Online shopping rebate

check

Travel insurance

check

Exclusive discounts

Bank of Commerce Platinum Mastercard

Bank of Commerce Platinum Mastercard

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Dining points

check

Travel insurance

remove

High income requirement

UnionBank Cebu Pacific Platinum

UnionBank Cebu Pacific Platinum

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Travel points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Signature

BPI Signature

Annual Fee
₱ 5,500  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Bank of Commerce World Mastercard

Bank of Commerce World Mastercard

Annual Fee
₱ 6,000  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Travel points

check

Travel insurance

remove

High income requirement

RCBC Diamond Card Platinum Mastercard

RCBC Diamond Card Platinum Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

remove

High income requirement

UnionBank PlayEveryday

UnionBank PlayEveryday

Annual Fee
₱ 1,500  per year
Min. Annual Income
₱ 360,000
info
Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Free reward points

check

Good for beginners

check

Exclusive discounts

RCBC JCB Classic

RCBC JCB Classic

Annual Fee
₱ 1,500  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

RCBC Classic Mastercard

RCBC Classic Mastercard

Annual Fee
₱ 1,500  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

Go Rewards Gold Visa

Go Rewards Gold Visa

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Free reward points

check

Exclusive discounts

check

Shopping points

remove

Good for beginners

Go Rewards Platinum Visa

Go Rewards Platinum Visa

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Free reward points

check

Airport lounge

check

Travel insurance

remove

Shopping points

UnionBank Miles+ Visa Signature

UnionBank Miles+ Visa Signature

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 360,000
Interest Rate
3  %

Offer Available

Win an iPhone 15 Pro Max + FREE welcome gift!
Apple Airpods 2
Apple Airpods 2

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No expiry miles

check

Travel insurance

check

Airport lounge

EastWest Dolce Vita Titanium Mastercard

EastWest Dolce Vita Titanium Mastercard

Annual Fee
₱ 2,000  per year
Min. Annual Income
₱ 300,000
Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Good for beginners

check

Low foreign currency conversion fee

remove

Exclusive discounts

EastWest Platinum Mastercard

EastWest Platinum Mastercard

Annual Fee
Free
info
Min. Annual Income
₱ 1,800,000
Interest Rate
3  %

Things to consider for this product:

check

No Annual Fee

check

Travel insurance

check

Airport lounge

check

Shopping points

EastWest Gold Mastercard

EastWest Gold Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 480,000
Interest Rate
3  %

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Contactless payment

remove

Exclusive discounts

Need some help?

No worries, we've got you covered!

What is a rewards credit card?

expand_more

As the name implies, a rewards credit card offers certain rewards every time you purchase with the card. The more you use a rewards credit card, the higher the value of rewards you can qualify for.

How does a rewards credit card work?

expand_more

Every time you use your rewards credit card to complete a purchase, you get corresponding reward points on what you purchased. Accumulate enough points and you can redeem exciting rewards like discounts on select stores, gift certificates, free meals, airfare and hotel discounts, and other exciting freebies.

How to earn reward points?

expand_more

You can earn points by simply using your credit card in partner establishments. Earned rewards points can be used to redeem gift cards, products, and even flights. Keep your eyes peeled for the latest credit card promos and how to redeem rewards points from your credit card provider.

In the Philippines, each reward point on credit cards is typically worth about ₱20 to ₱200. But the actual rewards rate varies per issuing bank and the spending category (e.g., shopping, dining, travel, groceries, online, overseas, etc.). 

For instance, some rewards credit cards offer the same rewards rate across all kinds of purchases, while others allow earning higher or lower points on certain spending categories.

Which credit card transactions don’t earn reward points?

expand_more

Certain transactions, such as cash advances and casino/gambling, don’t earn rewards points. Payments for credit card fees and charges don’t earn points, too.

Do rewards points on credit cards expire?

expand_more

Points earned on most rewards credit cards in the Philippines don’t expire, while points on a few cards are valid for up to two or three years.

What are the types of credit card rewards?

expand_more
  • Shopping Rewards. This is the most common out of all the credit card rewards out there. The reward you’ll get will be based on the amount of points you’ve accumulated. You can then exchange your points for special items, gift certificates, and free meals on various establishments.
  • Cash Rewards. Your credit card rewards can also take the form of cash rebates and credits. For example, you can get an HSBC Gold Visa Cash Back to enjoy lots of rebates. You can get up to 5% rebate on your dining spend, 3% rebate on fuel purchases at Caltex, and 0.5% on all other spend.
  • Travel Rewards. Travel rewards are beneficial for cardholders looking to get more out of their travels. Credit cards with this type of reward will get you perks like free trips to any destination, discounts on airfare tickets, and priority check-in and luggage on air ports.
  • Lifestyle Rewards. Credit card rewards can also take the form of lifestyle services and items. A good example is the EastWest Platinum Card that rewards cardholders with discounts on select resorts and restaurants in the Philippines.

How to redeem rewards points?

expand_more

The rewards points redemption process varies per credit card provider, as banks have their own rules and set a certain number of points for redeeming a particular reward.

Once sufficient points are accumulated, the cardholder can use them in exchange for benefits such as gift certificates, vouchers, cash rebates, air miles, merchandise, annual fee waivers, charity donations, and more.

Cardholders can view their points and choose their desired rewards online through the issuing bank’s website. Redemption can also be done online or through the bank’s customer service hotline.

Typically, only cardholders in good credit standing are allowed to redeem points. Those who max out their credit limit and fail to pay at least their minimum balance aren’t likely to qualify for points redemption. On top of that, instead of receiving rewards, they end up paying interest on the outstanding balance.

Should I get a rewards credit card?

expand_more

Getting a rewards credit card is the right option for you under the following circumstances:

  • You’re sure that you can pay your credit card bill in full and on time every month.
  • You’re interested in the perks offered by rewards credit cards.
  • You know how to use and manage a credit card responsibly.
  • You’re disciplined enough to control your spending.

How do I choose the best credit card for rewards?

expand_more
  • Points Expiration. Hoarding reward points is great and all, just make sure they don’t expire. You should know the expiry date of your reward points so you can redeem them as soon as possible. Or if you don’t want to go through all that trouble, get yourself a credit card with no-expiry reward points.
  • Participating Merchants. Choose a rewards credit card that has an existing partnership with your favorite stores or restaurants. Or if you don’t have a preference, find a card with the most number of participating merchants so you can receive your reward wherever you swipe your card.
  • Signing Bonuses or Welcome Gifts. To entice potential cardholders, credit card providers offer welcome gifts or signing bonuses.
  • Tiered vs Flat Scheme. A tiered rewards system raises the percentage of your rewards as you use your credit card more often. For example, a rewards card might offer you 2% cash back for every ₱200 spent. Keep spending and you’ll get 3% cash back or higher. Meanwhile, a flat rewards system has a fixed reward, regardless of how often you use your card.