There’s a reason why credit cards are synonymous with shopping. After all, they’re the most convenient way to pay for any kind of purchase. Aside from security features, shoppers also get to avail of flexible installment plans and exclusive promos to help them save with every swipe or tap.
The question now is, what are the best credit cards for shopping for money-savvy Filipinos like you? To help you sift through the seemingly limitless choices, here’s an extensive list of credit cards suited for all kinds of shopping. We hope seeing all your credit card options in one place will help you choose easily!
How to Choose the Best Credit Card for Shopping: 4 Must-Have Features
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As with any other product out there, you can’t just pick a credit card willy-nilly. Consider these important factors when searching for your shopping companion.
☑️ Robust Rewards Program
Shopping with a credit card means potentially racking points with every purchase, so make sure to get a credit card with a generous rewards program. The lower the required minimum spend per point, the bigger your rewards in the long run.
Look for a credit card with a wide range of rewards in its catalog as well. You can redeem shopping vouchers, gift certificates, air miles, cash rebates, and other useful rewards.
☑️ High-Percentage Cash Rebates
The best credit card for shopping should also earn you high-percentage rebates on your purchases. Imagine getting some of your cash back when shopping for essentials like groceries, appliances, and even fuel. The higher the rebate percentage for your preferred category, the better.
☑️ Exclusive Promos with Partner Stores
The perfect shopping credit card should come with an arsenal of exclusive promos and deals. If you want to learn how to use a credit card in a shopping mall and enjoy discounts at the same time, avail of credit card promos in retail outlets!
☑️ Flexible Installment Plans
Planning to buy high-ticket items like gadgets and furniture? Get yourself a credit card with a flexible installment plan that has 0% interest. Almost all credit cards offer installments payable for up to 24 months or more.
17 Best Credit Cards for Shopping in the Philippines
Here's a look at some of the best cards for shopping:
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Credit Card
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Shopping Perks |
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UnionBank Rewards Credit Card
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Metrobank Titanium Mastercard®
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HSBC Red Mastercard
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Security Bank Complete Cashback Mastercard
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Security Bank Gold Mastercard
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BPI Amore Cashback Card
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For more details and credit card options, read on.
💳 UnionBank Rewards Credit Card
📌 UnionBank Rewards Credit Card Shopping Perks
- 3x non-expiring rewards points when you shop and dine here and abroad
- 1 non-expiring rewards point for every ₱30 spend
📌 UnionBank Rewards Credit Card Key Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
With the UnionBank Rewards Credit Card, earn 1 point for every ₱30 spend. If you love shopping and exploring new restaurants locally and internationally, you get to triple your rewards points! You can then use your points to redeem exciting freebies, points transfers, cash credits, and more.
Read this UnionBank Rewards review to learn more.
🎁 Free Gift from Moneymax: Apple AirPods 2, Dolce Gusto Mini Me, Marshall Willen, JBL Tune 720BT, or Giftaway Cash Credits
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Eligible card: UnionBank credit cards
Promo period: Until September 30, 2024
Get Apple AirPods 2 worth ₱8,490; Nescafe Dolce Gusto Mini Me worth ₱6,699; Marshall Willen Speaker worth ₱6,590; JBL Tune 720BT Wireless Headphones worth ₱4,699; or Giftaway cash credits worth ₱4,000! Just apply for any eligible UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank welcome gift promo runs until September 30, 2024 only.
Per DTI Fair Trade Permit No. FTEB-199168 Series of 2024. Terms and conditions apply.
Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
💳 UnionBank Lazada Credit Card
📌 UnionBank Lazada Credit Card Shopping Perks
- 6 Lazada Credits for every ₱200 spent on Lazada purchases and bills payments
- 1 Lazada Credit for every ₱200 spent on all other purchases and transactions
- Free ₱5,000 Lazada Credits as welcome gift
- Free ₱50 monthly shipping vouchers at Lazada
- ₱500 discount vouchers for Lazada Sales all year round
📌 UnionBank Lazada Credit Card Key Features
- Annual fee: ₱3,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
If you prefer shopping online, the UnionBank Lazada Credit Card is the way to go. Maximize your spending and earn up to 6x Lazada Credits for your purchases. You can then use these credits for your next transactions.
Plus, you get free shipping and discount vouchers. Talk about saving while spending!
💳 UnionBank Cash Back Visa Platinum
📌 UnionBank Cash Back Visa Platinum Shopping Perks
- Up to 6% rebate on supermarket purchases
- Up to 2% cash back on Meralco bill payments through UnionBank Online
- 0.20% cash back on all other purchases
📌 UnionBank Cash Back Visa Platinum Key Features
- Annual fee: ₱4,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Want to save money on essential spending? Get rebates of up to 6% on your grocery shopping with the UnionBank Cash Back Visa Platinum. You can also get cash back on bill payments and all other purchases.
Don't worry, your cash back won't expire—you can redeem them any time you wish. Read this card to learn more about the UnionBank Cash Back Visa Platinum.
💳 UnionBank PlayEveryday
📌 UnionBank PlayEveryday Shopping Perks
- Gamified approach to spending and rewards
- 1 rewards point for every ₱10 spend
- Rewards redeemable via the UnionBank Online app
📌 UnionBank PlayEveryday Key Features
- Annual fee: ₱1,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
The UnionBank PlayEveryday just might be your ticket to earning rewards points in a flash, as every ₱10 spend earns 1 point. Plus, you get full access to all active UnionBank credit card promos, which could help you save more on your next shopping spree.
Learn more by checking out this PlayEveryday review.
💳 UnionBank Go Rewards Gold Visa
📌 UnionBank Go Rewards Gold Visa Shopping Perks
- 1 Go Rewards Point for every ₱200 spend
- Welcome gift of ₱3,000 Go Rewards Points for ₱30,000 spend within 60 days from receipt of card
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from partners
📌 UnionBank Go Rewards Gold Visa Key Features
- Annual fee: ₱3,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
Enjoy the many perks of the Go Rewards lifestyle program[1] when you get the UnionBank Go Rewards Gold Visa.
Earn 1 Go Rewards Point for every ₱200 spend wherever Visa is accepted. Use your accumulated points to pay for purchases at over 2,000 partner stores. You also get to enjoy exclusive UnionBank, Visa, and Go Rewards partner merchant offers!
💳 UnionBank Go Rewards Platinum Visa
📌 UnionBank Go Rewards Platinum Visa Shopping Perks
- 1 Go Rewards Point for every ₱100 spent in Robinson Retail Group Stores
- 1 Go Rewards Point for every ₱200 spend
- Welcome gift of ₱5,000 Go Rewards Points for ₱50,000 spend within 60 days from receipt of card
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from partners
📌 UnionBank Go Rewards Platinum Visa Key Features
- Annual fee: ₱5,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
The UnionBank Go Rewards Platinum Visa card offers upgraded benefits compared to its Gold counterpart. Along with the points mentioned previously, you can also earn 1 Go Rewards Point for every ₱100 spent in Robinson Retail Group Stores.
Aside from the shopping perks, you also get travel perks, such as free airport lounge access and free travel insurance.
💳 Metrobank Titanium Mastercard®
📌 Metrobank Titanium Mastercard® Shopping Perks
- 2x rewards points on dining, department store, and online purchases
- 1 rewards point for every ₱20 spend
- E-commerce protection
📌 Metrobank Titanium Mastercard® Key Features
- Annual fee: ₱2,500 (waived for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Do you tend to alternate between shopping online and shopping at department stores? Enter the Metrobank Titanium Mastercard®.
Use this card to earn twice the rewards points on department store and online purchases. You also get 1 point for every ₱20 spend.
Your online purchases are safe with this card’s e-commerce protection feature, which serves as insurance in case your items get lost or damaged along the way.
🎁 Free Gift from Moneymax: Cash Credits, Dolce Gusto Genio S Basic, Sony WH-CH520, JBL Go 4, or Xiaomi Redmi Bluetooth Soundbar
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Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®
Promo period: Until September 30, 2024
How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.
Choose between a Nescafe Dolce Gusto Genio S Basic worth ₱7,199; Sony WH-CH520 Wireless Headphones worth ₱3,299; JBL Go 4 Ultra-portable Bluetooth speaker worth ₱2,599; or Xiaomi Redmi Bluetooth Soundbar worth ₱2,499; or Giftaway cash credits worth ₱2,500.
This Moneymax Metrobank eGift/Dolce Gusto/Sony/JBL/Xiaomi promo runs until September 30, 2024 only. Hurry and apply now!
Per DTI Fair Trade Permit No. FTEB-199163 Series of 2024. Terms and conditions apply.
Note: Applicant must be an existing credit cardholder in good standing for at least six months.
💳 HSBC Red Mastercard
📌 HSBC Red Mastercard Shopping Perks
- 1 rewards point for every ₱20 spend
- 4x points on shopping, online, dining, and overseas transactions
- Installments of up to 36 months with 0% interest at participating merchants
📌 HSBC Red Mastercard Key Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱16,666.67
Want to earn rewards points four times faster? The HSBC Red Mastercard could be the perfect credit card for you.
Aside from earning 1 rewards point for every ₱20 spend, this credit card will also earn you quadruple the points for every dining, shopping, online, and overseas transaction. If you’re a rewards seeker, an HSBC credit card is your best bet.
Before you apply for this shopping credit card, check out this HSBC Red Mastercard review.
🎁 Free Gift from Moneymax: Giftaway Cash Credits, JBL Flip 6, or Dolce Gusto Piccolo XS
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Eligible cards: HSBC Red Mastercard, Live+ Credit Card
Promo period: Until September 30, 2024
Not an HSBC credit cardholder yet? Apply for an eligible HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting welcome gift! Choose from free Giftaway cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a Dolce Gusto Piccolo XS worth ₱5,199.
This Moneymax HSBC Giftaway/JBL/Dolce Gusto promo runs until September 30, 2024 only. Hurry and apply now!
Per DTI Fair Trade Permit No. FTEB-201324 Series of 2024. Terms and conditions apply.
💳 Security Bank Complete Cashback Mastercard
📌 Security Bank Complete Cashback Shopping Perks
- 5% cashback on groceries
- 4% on fuel
- 3% on bills payments
- 2% on dining expenses
- 1% on shopping
📌 Security Bank Complete Cashback Platinum Key Features
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱65,000
If you believe that the best shopping credit card should give you the most rebates, consider getting the Security Bank Complete Cashback Platinum Mastercard.
This credit card earns you 5% cashback on groceries, 4% on fuel, 3% on bills payments, 2% on dining expenses, and 1% on shopping. Save up to ₱12,000 every year when you make this your primary shopping credit card!
Read this Security Bank Complete Cashback review for more details.
💳 Security Bank Gold Mastercard
📌 Security Bank Gold Mastercard Shopping Perks
- 1 rewards point for every ₱20 spend
- Secure online shopping with SecureCode
- Exclusive rewards and promos all year round
📌 Security Bank Bank Gold Mastercard Key Features
- Annual fee: ₱2,500
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
Do you prefer shopping online? Check out the Security Bank Gold Mastercard.
Shop safely online with its SecureCode feature. Earn points quickly with 1 rewards point for every ₱20 spend. Use these points to enjoy a variety of perks from Security Bank's wide catalog.
For more information, check out this Security Bank Gold Mastercard review.
💳 BPI Amore Cashback Card
📌 BPI Amore Cashback Shopping Perks
- 4% cashback on supermarket and department store spend
- 1% cashback on drugstore and utilities spend
- 0.3% cash back on other local retail spend, in-store or online
- Installment plans of up to 36 months with 0% interest
- Discounts and freebies at participating Ayala Malls merchants
📌 BPI Amore Cashback Key Features
- Annual fee: ₱2,050
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Love going to Ayala Malls? This is the perfect shopping credit card! The BPI Amore Cashback Card earns 4% cashback on every supermarket and department store spend.
Aside from giving you access to all BPI credit card promos, the BPI Amore Cashback Card also lets you enjoy special privileges at Ayala Malls nationwide.
💳 BPI Platinum Rewards Card
📌 BPI Platinum Rewards Shopping Perks
- 2 BPI points for every ₱30 local spend
- 2 BPI points for every ₱20 overseas spend
- Mastercard’s Purchase Protection Insurance
📌 BPI Platinum Rewards Key Features
- Annual fee: ₱4,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱83,333
Looking for another premium credit card for all your shopping needs? Feast your eyes on the BPI Platinum Rewards Card.
Earn 2 BPI points for every ₱30 local spend and ₱20 overseas spend. Easily redeem your points for shopping credits, shopping gift certificates, and more. Plus, get 24/7 credit card assistance wherever you are in the world.
💳 RCBC Flex Gold Visa
📌 RCBC Flex Gold Visa Shopping Perks
- 2x rewards points for three preferred categories: grocery, fuel, travel, department store, or household appliances
- Installments of up to 36 months for straight purchases
📌 RCBC Flex Gold Visa Key Features
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
What if you can choose the spend category you want to earn rewards points from? That’s the beauty of owning the RCBC Flex Gold Visa.
With this credit card, earn twice the points from three of your preferred categories. Just choose the ones you spend on the most—grocery, gas, travel, department store, or household appliances—and you’re good to go!
💳 RCBC Visa Infinite
📌 RCBC Visa Infinite Shopping Perks
- 5x rewards points for overseas in-store and online purchases
- 3x rewards points on local online purchases
- 1 rewards points on supermarket, gas, and drugstore spend
- Installment of up to 36 months for straight purchases
📌 RCBC Visa Infinite Key Features
- Annual fee: ₱6,000
- Interest rate: 3%
- Minimum monthly income requirement: ₱300,000
RCBC boasts a wide range of shopping credit cards that fit any budget. If you’re a high-income shopper, the RCBC Visa Infinite could be your next premium credit card.
Some of this card’s premium perks include up to 5x rewards points on your shopping haul and easy access to RCBC credit card promos.
💳 RCBC Mango Mastercard
📌 RCBC Mango Mastercard Shopping Perks
- 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
- Non-expiring points, which can be exchanged for shopping vouchers at Mango
📌 RCBC Mango Mastercard Key Features
- Annual fee: ₱1,200
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
If you're a loyal Mango shopper, you have to get the RCBC Mango Mastercard. Enjoy a 0% installment of up to six months on your next Mango shopping haul. Earn non-expiring points with your card and exchange them for Mango vouchers.
You also get first dibs on each new season’s catalog offers, plus exclusive access to Mango VIP Sale events.
💳 RCBC Landmark Anson's Mastercard
📌 RCBC Landmark Anson's Mastercard Shopping Perks
- No-cap 3% rebate on straight purchases every weekday at Landmark and Anson’s
- Non-expiring points for every spend outside Landmark and Anson’s
📌 RCBC Landmark Anson's Key Features
- Annual fee: ₱960
- Interest rate: 3%
- Minimum monthly income requirement: ₱15,000
Is Landmark your go-to supermarket/department store and Anson's your foolproof shop for appliances and gadgets? Maximize your purchases at both with the RCBC Landmark Anson's Mastercard.
Enjoy a 3% rebate on straight purchases at Landmark and Anson's every weekday. Rack up plenty of points even when shopping outside of Landmark and Anson’s. You can then exchange the points for exclusive gift certificates or cash credit at these stores.
Best Credit Cards for Shopping: FAQs
1. What is the best credit card for shopping in the Philippines?
The answer depends on how you’re going to use your shopping credit card. Here are some recommendations according to purpose:
- UnionBank Rewards Credit Card - Best for international shopping
- UnionBank Lazada Credit Card - Best for online shopping
- HSBC Red Mastercard – Best for earning points quickly
- HSBC Platinum Visa Rebate – Best for cashback
2. Is a PIN required for credit card shopping?
No, you don’t need to input a PIN when shopping using a credit card. The cashier will only ask for your valid ID and your signature to authenticate the transaction.
3. How do I use a credit card for shopping?
If you're still learning how to use a credit card for shopping, note that you don’t need to hand out anything else at the counter other than your credit card and a valid ID. It’s that simple!
If the price of the item you’re buying is within your credit limit, you won’t have any problems shopping using your credit card.
Final Thoughts
Getting the best credit card for shopping is one thing—using and managing your card responsibly is another. Shop smartly, resist the urge to splurge, and always pay your credit card bill in full and on time. Doing so will help you maximize the benefits of your credit card.
Discover Other Top Credit Cards in the Philippines
Is a shopping credit card not quite what you're looking for? If you want a credit card that offers luxurious travel perks, check out the Metrobank World Mastercard® or Security Bank World Mastercard. For leveled-up lifestyle perks, the BPI Signature Card is a good bet.
Compare more options through Moneymax. Click the banner below to get started.
Source: [1] Go Rewards
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