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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.

Filter

Annual Income

₱

Feature

Offers available

Annual fee waiver

HSBC

Metrobank

RCBC

Security Bank

UnionBank

FEATURED

UnionBank Rewards Credit Card

2 Offers Available

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

No Minimum Spend Required!

Apple AirPods 4

Valid until

21 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

21 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

21 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

21 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

21 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

21 July 2025

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

FEATURED

BPI Rewards Card

Annual Fee

₱ 1,550 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Interest Rate

3 %

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number

Signed Certificate of Employment

Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 180000

Landline requirement: Required

FEATURED

Metrobank Titanium Mastercard®

Annual Fee

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until June 30, 2025 and meet an annual spend of ₱250,000. After the No Annual Fee promo, annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

UnionBank Rewards Credit Card

2 Offers Available

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

No Minimum Spend Required!

Apple AirPods 4

Valid until

21 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

21 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

21 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

21 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

21 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

21 July 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

Metrobank Titanium Mastercard®

Annual Fee

Free

info

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

HSBC Red Platinum Mastercard

Annual Fee

₱ 2,500

Min. Annual Income

₱ 400,000

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱3,500 eGift

Valid until

31 July 2025

No Minimum Spend Required!

₱3,500 Philippine Airlines Voucher

Valid until

31 July 2025

No Minimum Spend Required!

JBL Clip 5

Valid until

31 July 2025

No Minimum Spend Required!

Nescafe Dolce Gusto Piccolo XS

Valid until

31 July 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Security Bank Gold Mastercard

Annual Fee

₱ 2,500 per year

Min. Annual Income

₱ 360,000

Interest Rate

3 %

Things to consider for this product:

check

Free rewards points

check

No Annual Fee

check

Nice card face

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income: 1 month payslip or ITR

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Deposit account: Must be a Security Bank depositor for at least 1 year.
Audited Financial Statements: In the last 2 years
Business registration/permits: SEC/DTI Registration

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 360000

Landline requirement: Required

Metrobank Platinum Mastercard®

Annual Fee

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until June 30, 2025 and meet an annual spend of ₱400,000. After the No Annual Fee promo, annual fee is ₱5,000.

Min. Annual Income

₱ 700,000

info

₱58,333 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 700000

Landline Required: Not required

Security Bank World Mastercard

Annual Fee

₱ 5,000 per year

Min. Annual Income

₱ 3,000,000

Monthly Effective Interest Rate

3 %

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income: 1 month payslip or ITR

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Deposit account: Must be a Security Bank depositor for at least 1 year
Audited Financial Statements: In the last 2 years
Business registration/permits: SEC/DTI Registration

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 3000000

Landline Required: Required

Metrobank World Mastercard®

Annual Fee

₱ 6,000

info

Free on the first year

Min. Annual Income

₱ 1,500,000

info

₱125,000 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Fine dining

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: a copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 1500000

Landline Required: Not required

RCBC Flex Gold Visa

Annual Fee

₱ 3,000 per year

Min. Annual Income

₱ 500,000

Monthly Effective Interest Rate

3 %

3 Offers Available

RCBC No Annual Fee Promo

No annual fees for life!

Valid until

01 October 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

30 September 2025

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

Meet the minimum spend requirement within 60 days of approval to enjoy No Annual Fees for Life!

RCBC Flex Visa - ₱30,000 minimum spend requirement
RCBC Flex Gold Visa - ₱40,000 minimum spend requirement

Gift Options

No annual fees for life!

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 500000

Landline Required: Required

RCBC Gold Mastercard

Annual Fee

₱ 3,000 per year

Min. Annual Income

₱ 500,000

Monthly Effective Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

remove

High income requirement

remove

Credit card required

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 500000

Landline Required: Required

RCBC Flex Visa

Annual Fee

₱ 1,500 per year

Min. Annual Income

₱ 250,000

Interest Rate

3 %

3 Offers Available

RCBC No Annual Fee Promo

No annual fees for life!

Valid until

01 October 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

30 September 2025

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

Meet the minimum spend requirement within 60 days of approval to enjoy No Annual Fees for Life!

RCBC Flex Visa - ₱30,000 minimum spend requirement
RCBC Flex Gold Visa - ₱40,000 minimum spend requirement

Gift Options

No annual fees for life!

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit card requirement: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 250000

Landline requirement: Required

RCBC Black Card Platinum Mastercard

Annual Fee

₱ 3,600 per year

Min. Annual Income

₱ 1,000,000

Monthly Effective Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Shopping points

check

Online shopping points

check

Travel insurance

remove

High income requirement

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

RCBC Visa Infinite

Annual Fee

₱ 6,000 per year

Min. Annual Income

₱ 2,000,000

Monthly Effective Interest Rate

3 %

3 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No-brainer rebate

check

Retail rebate

check

Travel insurance

remove

High income requirement

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

RCBC World Mastercard

Annual Fee

₱ 3,600 per year

Min. Annual Income

₱ 2,000,000

Monthly Effective Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

RCBC JCB Platinum

Annual Fee

₱ 3,600 per year

Min. Annual Income

₱ 1,000,000

Monthly Effective Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

RCBC JCB Classic

Annual Fee

₱ 1,500 per year

Min. Annual Income

₱ 250,000

info

₱15,000 Monthly

Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

RCBC Classic Mastercard

Annual Fee

₱ 1,500 per year

Min. Annual Income

₱ 250,000

Interest Rate

3 %

2 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

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?

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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?

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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?

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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?

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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?

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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?

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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.

Rewards Credit Cards in the Philippines

UnionBank Rewards Credit Card

2 Offers Available

Quick Facts

BPI Rewards Card

Things to consider for this product:

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Metrobank Titanium Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

UnionBank Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

HSBC Red Platinum Mastercard

Offer Available

Things to consider for this product:

Quick Facts

Security Bank Gold Mastercard

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

Security Bank World Mastercard

Things to consider for this product:

Quick Facts

Metrobank World Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

RCBC Flex Gold Visa

3 Offers Available

Things to consider for this product:

Quick Facts

RCBC Gold Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

RCBC Flex Visa

3 Offers Available

Things to consider for this product:

Quick Facts

RCBC Black Card Platinum Mastercard

2 Offers Available

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RCBC Visa Infinite

3 Offers Available

Things to consider for this product:

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RCBC World Mastercard

2 Offers Available

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RCBC JCB Platinum

2 Offers Available

Things to consider for this product:

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RCBC JCB Classic

2 Offers Available

Things to consider for this product:

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RCBC Classic Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

Quick Facts

Need some help?

What is a rewards credit card?

How does a rewards credit card work?

How to earn reward points?

Which credit card transactions don’t earn reward points?

Do rewards points on credit cards expire?