Best Rewards Credit Cards in the Philippines (2026)
Updated: Jun 30, 2026
Compare points-earning credit cards side-by-side. See multipliers for online and overseas spend, lounge perks, non-expiring points, and low forex fees. Apply via Moneymax in minutes.
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Card | Hot Reward Pick | Moneymax Reward | Annual Fee | Min. Annual Income | ||
|---|---|---|---|---|---|---|
 | UnionBank Rewards Platinum Mastercard | ₱4,000 | No Annual Fee | ₱180,000 | ||
 | BPI Rewards Card | ₱2,095 | ₱0 (No Annual Fee with Yearly Spend Requirement) | ₱180,000 | ||
 | Metrobank Titanium Mastercard | ₱4,295 | No Annual Fee - limited-time offer! | ₱180,000 | ||
 | HSBC Red Platinum Mastercard | - | - | ₱2,500 | ₱400,000 | |
 | Security Bank Gold Mastercard | - | - | ₱2,500 per year | ₱360,000 | |
 | Metrobank Platinum Mastercard® | ₱4,295 | ₱5,000 | ₱700,000 | ||
 | Security Bank World Mastercard | - | - | ₱5,000 per year | ₱3,000,000 | |
 | Metrobank World Mastercard | ₱4,295 | ₱6,000 | ₱1,500,000 | ||
 | RCBC Flex Gold Visa | - | - | ₱0 (No Annual Fee) | ₱500,000 | |
 | RCBC Gold Mastercard | - | - | ₱3,000 per year | ₱500,000 | |
 | RCBC Flex Visa | - | - | ₱0 (No Annual Fee) | ₱250,000 | |
 | RCBC Black Card Platinum Mastercard | - | - | ₱0 No Annual Fee for Life—limited-time offer! | ₱1,000,000 | |
 | RCBC Visa Infinite | - | - | ₱0 No Annual Fee for Life—limited-time offer! | ₱2,000,000 | |
 | RCBC World Mastercard | - | - | ₱3,600 per year | ₱2,000,000 | |
 | RCBC JCB Platinum | ₱4,699 | ₱0 (No Annual Fee) | ₱1,000,000 | ||
 | RCBC JCB Classic | - | - | ₱1,500 per year | ₱250,000 | |
 | RCBC Classic Mastercard | - | - | ₱1,500 per year | ₱250,000 |
Annual Fee
₱ ₱
(No Annual Fee)Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 6 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.
- No annual fee
- Free reward points
- Accelerated rewards
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱ (No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 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
- Free reward points
- Travel insurance
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
No Annual Fee - limited-time offer!Min. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 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
- No annual fee
- Dining points
- Free reward points
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: No Annual Fee - limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
2,500Min. Annual income
₱ ₱
400,000Interest Rate
3 %- 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
- Accelerated rewards
- Shopping points
- Dining points
- Credit card required
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
Annual 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
- Free rewards points
- No Annual Fee
- Nice card face
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
Annual Fee
₱ ₱
5,000Min. Annual Income
₱ ₱
700,000Interest Rate
3 %Apply through Moneymax and choose from 4 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
- No Annual Fee
- Free reward points
- Dining discount
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱5,000
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱700,000
Minimum Age: 21 years old
Annual 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.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
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
Annual Fee
₱ ₱
6,000Min. Annual Income
₱ 1,500,000Interest Rate
3 %Apply through Moneymax and choose from 4 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
- No Annual Fee
- Free reward points
- Fine dining
- High income requirement
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
Annual Fee
₱ ₱
0 (No Annual Fee)Min. Annual Income
₱ ₱
500,000Interest Rate
3 %- 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.
- Airport lounge
- Travel insurance
- Free reward points
- High income requirement
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
3,000 per yearMin. Annual Income
₱ ₱
500,000Interest Rate
3 %- 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.
- Free reward points
- Travel insurance
- High income requirement
- Credit card required
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
0 (No Annual Fee)Min. Annual Income
₱ ₱
250,000Interest Rate
3 %- 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
- Dining points
- Shopping points
- Travel insurance
- Airport lounge
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
0 No Annual Fee for Life—limited-time offer!Min. Annual Income
₱ ₱
1,000,000Interest Rate
3 %- 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.
- Shopping points
- Online shopping points
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱0 No Annual Fee for Life—limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
0 No Annual Fee for Life—limited-time offer!Min. Annual Income
₱ ₱
2,000,000Interest Rate
3 %- 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.
- No-brainer rebate
- Retail rebate
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱0 No Annual Fee for Life—limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
3,600 per yearMin. Annual income
₱ ₱
2,000,000Interest Rate
3 %- 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.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
0 (No Annual Fee)Min. Annual Income
₱ ₱
1,000,000Interest Rate
3 %Apply through Moneymax and choose from 3 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.
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
1,500 per yearMin. Annual Income
₱ ₱
250,000Interest Rate
3 %- 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
- Free reward points
- Travel insurance
- Exclusive discounts
- Good for beginners
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
1,500 per yearMin. Annual Income
₱ ₱
250,000Interest Rate
3 %- 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
- Free reward points
- Travel insurance
- Exclusive discounts
- Good for beginners
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.