Still trying to find the perfect credit card for you? If you’re all for brand loyalty, there’s no better way to show your appreciation than to get a co-branded credit card that can unlock exclusive perks from your favorite brand. This list of the best co-branded credit cards in the Philippines can help you pick the perfect one.
But first, what is a co-branded credit card, you ask? While comparing credit card options, you’ll encounter specialized credit cards that bear the logo of their partner merchants. Get these cards if you frequently shop at or use the services of those brands. You’ll quickly see that you’re in for lots of rewards!
If you need more reasons to get a co-branded credit card, check out this extensive guide.
How Do Co-Branded Credit Cards Work?
Co-branded credit cards offer brand-specific benefits to loyal customers of a retail brand or members of an organization. Banks issue these cards in partnership with malls, airlines, oil companies, car dealerships, restaurant chains, clothing retailers, universities, alumni associations, and charities.
These cards work just like any regular credit card. Even if a card is jointly issued with a particular merchant, you can use it at any retailer that accepts cards from the bank or credit card network.
What makes co-branded credit cards different from other cards is that on top of standard benefits, they also offer exclusive perks such as rewards points, discounts, and rebates from the partner merchant. To enjoy these extra privileges, you have to buy from the partner merchant using the co-branded card.
In short, co-branded credit cards reward you for your loyalty to the issuing bank’s partner brand. Branded cards tied with charities and universities allow you to support their projects and programs by automatically donating half of the annual fee and a percentage of your credit card spending.
Benefits of Owning Branded Cards
Greater Rewards
The best co-branded credit cards in the Philippines provide double or triple rewards points for every purchase from the participating partner retailer. Compared to rewards programs of regular credit cards, it’s easier to earn and accumulate points with co-branded cards.
Higher Rebates
With co-branded credit cards, you can also earn cashback of up to 10% on qualified transactions with partner retailers. Rebates of co-branded cards are higher than those of regular cashback credit cards, ranging from 0.20% to 6%.
Discounts and Freebies
You can earn year-round or daily discounts on eligible purchases with a co-branded credit card. A few co-branded cards even offer birthday discounts. Loyal customers can also enjoy free welcome gifts, products, merchandise, flights, travel insurance, or purchase protection insurance.
Annual Fee Waivers
Some co-branded credit cards offer waived annual fees for life. Others provide such waivers when a cardholder meets the minimum purchase requirement at partner outlets.
Priority Access to Exclusive Sales
When a partner mall or retailer holds a sale, co-branded cardholders get to enter the shop first and line up at the priority lanes at payment counters.
Best Co-Branded Credit Cards for Shopping
If you’re looking to save a few bucks or get exclusive rewards with every swipe on your next shopping spree, take your pick from this list of co-branded credit cards:
UnionBank Lazada Credit Card
Is Lazada your go-to site for online shopping? The UnionBank Lazada Credit Card is perfect for you. Earn six times the Lazada credits for every ₱200 Lazada spend, get free vouchers during every Lazada mega sale, and score free ₱5,000 Lazada credits right off the bat. Learn more about this co-branded card in our UnionBank Lazada Credit Card review.
📌 Features and Benefits
- 6x Lazada credits for every ₱200 spend on Lazada
- 1x Lazada credit for every ₱200 spend elsewhere
- Free ₱5,000 Lazada credits for new cardholders
- Free vouchers on Lazada’s annual mega sales
💸 Fees and Charges
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
RCBC ZALORA Credit Card
If you’re all about fashion, RCBC has you covered with the RCBC ZALORA Credit Card. Enjoy a welcome gift of ₱5,000 ZALORA credits and a 6% rebate on all ZALORA spend–that should be enough reason to add this card to your list of best co-branded credit cards!
Moreover, you can earn up to 2% cash back on online spend with this card. It also comes with free travel insurance of up to ₱500,000.
📌 Features and Benefits
- Free ₱5,000 ZALORA credits when you spend ₱30,000 within 60 days of approval
- Up to 6% cash back on online ZALORA purchases
- Up to 2% cash back on other online spend
- Unlimited free shipping via ZALORA NOW[1]
- Free travel insurance up to ₱500,000
- Free purchase protection coverage of ₱50,000
💸 Fees and Charges
- Annual fee: ₱4,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱25,000
RCBC Mango Mastercard
If the previous entry isn’t enough to satisfy your fashion needs, get yourself the RCBC Mango Mastercard. Enjoy shopping at Mango stores nationwide with its 0% installment plan of up to 6 months and get priority access to each season’s catalog offers.
📌 Features and Benefits
- 0% installment of up to 6 months at Mango stores
- Priority access to next season’s catalog offers
- Exclusive access to Mango VIP Sale events
💸 Fees and Charges
- Annual fee: ₱1,200 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
RCBC Landmark Anson's Mastercard
Enjoy your visit to the nearest Landmark or Anson’s store with the RCBC Landmark Anson’s Mastercard. Get a 5% rebate when making straight purchases at Landmark Department Store, Landmark Supermarket, and Anson’s store from Monday to Friday. Plus, earn one reward point for every ₱50 spend and enjoy a whole roster of RCBC credit card promos.
📌 Features and Benefits
- 5% rebate on purchases every weekday at Landmark and Anson’s
- 1 reward point for every ₱50 spend at Landmark and Anson’s
- Exchange points for exclusive Landmark gift certificates
💸 Fees and Charges
- Annual fee: ₱960
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Best Co-Branded Credit Cards for Travel
Credit card providers usually partner with airlines and other travel-related companies to bring more savings and rewards with every travel spend. Here’s a list of co-branded credit cards to check out before you go on your next adventure.
RCBC AirAsia Credit Card
RCBC won’t disappoint with the RCBC AirAsia Credit Card. If you love traveling around the world, you can score free flights easily with purchases as low as ₱22. This credit card also offers 8,000 AirAsia Big points for new cardholders.
On top of that, you can also enjoy travel perks like priority check-in, boarding, Xpress Baggage, and a free upgrade to Freedom Flyer Platinum status.
📌 Features and Benefits
- Free 8,000 BIG Points for new cardholders
- Earn one reward point for as low as ₱22 spend
- Priority check-in, boarding, and Xpress Baggage
- Auto-upgrade to the Freedom Flyer Platinum status
💸 Fees and Charges
- Annual fee: ₱2,400
- Interest rate: 3%
- Minimum monthly income requirement: ₱20,833
UnionBank Cebu Pacific Gold
Another worthy addition to this list of best co-branded credit cards is the UnionBank Cebu Pacific Gold. As its name implies, this credit card has great perks in store for those who frequently fly with Cebu Pacific. Get one Go reward point for every ₱100 Cebu Pacific spend and ₱200 retail spend. Plus, enjoy exclusive access to Cebu Pacific seat sales to save more on your next flight.
📌 Features and Benefits
- 1 Go reward point for every ₱200 spend
- 1 Go reward point for every ₱100 spend at Cebu Pacific
- Access to exclusive Cebu Pacific seat sales
- Free life insurance of up to ₱400,000
💸 Fees and Charges
- Annual fee: ₱3,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
PNB-PAL Mabuhay Miles NOW Mastercard
If you frequent Philippine Airlines, don’t worry–the PNB-PAL Mabuhay Miles NOW Mastercard is also on this list. Right off the bat, you get 1,000 Mabuhay Miles to kickstart your air mile savings. Get a 5% discount on select PAL international flights, free travel insurance worth up to ₱1 million, and no annual fees for the first three years of using this credit card.
📌 Features and Benefits
- Free 1,000 Mabuhay Miles for new cardholders
- 5% discount on select PAL international flights
- Free annual fee waiver for the first three years
- Free travel insurance up to ₱1 million
💸 Fees and Charges
- Annual fee: ₱1,000 (free for the first three years)
- Interest rate: 3%
- Minimum monthly income requirement: ₱10,000
Best Co-Branded Credit Cards for Fuel and Car Expenses
Owning a car can get really expensive. Save more on fuel and other car expenses with this selection of co-branded credit cards that are specially made for car owners like you.
Metrobank Toyota Mastercard
Got a Toyota vehicle? Then the Metrobank Toyota Mastercard is for you. You can earn a 10% discount on every transaction at any Toyota dealership. Plus, get double the rewards for every ₱20 Toyota dealer spend. You also get a 3% rebate on Petron fuel spend, along with access to Metrobank credit card promos, all year round.
📌 Features and Benefits
- 10% discount on accessories, parts, and services at all Toyota dealers
- 2x reward points for every ₱20 spend at all Toyota dealers
- 3% rebate on fuel purchases at participating Petron stations
- Free 24/7 roadside assistance service
💸 Fees and Charges
- Annual fee: ₱2,500 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Petron BPI Card
If you often refuel your car at Petron gas stations, get the Petron-BPI Mastercard to save up to ₱15,000 on fuel every year. Get a 3% rebate on Petron fuel and a free ₱200 fuel voucher the moment you get your card. Enjoy all these perks, including all the exclusive BPI credit card promos for 2023.
📌 Features and Benefits
- 3% rebate on Petron fuel spend (maximum of ₱15,000 per year)
- Free ₱200 fuel voucher for first-time cardholders
- 0% interest installment plans up to 24 months
💸 Fees and Charges
- Annual fee: ₱1,550
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Best Co-Branded Credit Cards for Dining
UnionBank Racks Visa
If you enjoy dining at Racks, consider the UnionBank Racks Visa, the only dining-related branded card. With this card, you can enjoy exclusive perks at any Racks branch nationwide. Combine that with all the dining UnionBank credit card promos, and you get to relish your favorite meals without breaking the bank.[2]
📌 Features and Benefits
- Free Mac and Cheese per ₱500 food purchase
- Free Memphis Pound Cake per ₱1,000 food purchase
- Free Carbonara per ₱1,500 food purchase
- Free Apple Pie a la Mode at any Racks branch during the cardholder’s birth month
💸 Fees and Charges
- Annual fee: ₱1,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
Final Thoughts
How do you know if having a co-branded card is right for you? Identify the category you spend the most on and figure out your preferred brand. What’s your preferred store, airline, restaurant, or gas station where you’ll most likely use your card often? If you can answer that question, you’ll be able to reap the benefits of any of the best co-branded credit cards out there.
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