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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.

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 August 31, 2024 and meet an annual spend of ₱180,000. 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 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN a Samsung Galaxy Z Flip 6!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱2,500 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 January 2025

Get THIS welcome gift!

Dolce Gusto Genio S Basic

Valid until

31 January 2025

Get THIS welcome gift!

Jisulife Pro1s Handheld Fan

Valid until

31 January 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Gift Options

WIN a Samsung Galaxy Z Flip 6!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan

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

FEATURED

HSBC Red Mastercard

Annual Fee

₱ 2,500 per year

Min. Annual Income

₱ 200,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN an Apple iPhone 16 Pro!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱3,000 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Flip 6

Valid until

31 January 2025

Get THIS welcome gift!

Nescafe Dolce Gusto Piccolo XS

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Smart Band 9

Valid until

31 January 2025

Get THIS welcome gift!

JBL Tune 520BT

Valid until

31 January 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Gift Options

WIN an Apple iPhone 16 Pro!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱3,000 eGift; or
JBL Flip 6; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Smart Band 9; or
JBL Tune 520BT

Metrobank Titanium Mastercard®

Annual Fee

Free

info

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN a Samsung Galaxy Z Flip 6!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱2,500 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 January 2025

Get THIS welcome gift!

Dolce Gusto Genio S Basic

Valid until

31 January 2025

Get THIS welcome gift!

Jisulife Pro1s Handheld Fan

Valid until

31 January 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Gift Options

WIN a Samsung Galaxy Z Flip 6!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan

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 Mastercard

Annual Fee

₱ 2,500 per year

Min. Annual Income

₱ 200,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN an Apple iPhone 16 Pro!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱3,000 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Flip 6

Valid until

31 January 2025

Get THIS welcome gift!

Nescafe Dolce Gusto Piccolo XS

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Smart Band 9

Valid until

31 January 2025

Get THIS welcome gift!

JBL Tune 520BT

Valid until

31 January 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Gift Options

WIN an Apple iPhone 16 Pro!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱3,000 eGift; or
JBL Flip 6; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Smart Band 9; or
JBL Tune 520BT

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

RCBC Mango Mastercard

Annual Fee

₱ 1,200 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

Things to consider for this product:

check

Shopping points

check

Installment

check

Exclusive discounts

check

Online shopping points

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 October 31, 2024 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 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN a Samsung Galaxy Z Flip 6!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱2,500 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 January 2025

Get THIS welcome gift!

Dolce Gusto Genio S Basic

Valid until

31 January 2025

Get THIS welcome gift!

Jisulife Pro1s Handheld Fan

Valid until

31 January 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

Gift Options

WIN a Samsung Galaxy Z Flip 6!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan

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

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱800,000. After the No Annual Fee promo, annual fee is ₱6,000.

Min. Annual Income

₱ 1,500,000

info

₱125,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Christmas Cheer Giveaway

WIN a Samsung Galaxy Z Flip 6!

+ 1 other gift options

Valid until

31 December 2024

Get THIS welcome gift!

₱2,500 eGift

Valid until

31 January 2025

Get THIS welcome gift!

JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 January 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 January 2025

Get THIS welcome gift!

Dolce Gusto Genio S Basic

Valid until

31 January 2025

Get THIS welcome gift!

Jisulife Pro1s Handheld Fan

Valid until

31 January 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Fine dining

remove

High income requirement

Gift Options

WIN a Samsung Galaxy Z Flip 6!; or
WIN an Apple AirPods Gen 4!

Gift Options

₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan

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

₱ 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

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: ₱ 600000

Landline Required: Required

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

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 455000

Landline Required: Required

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Government-issued ID
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 180000

Landline Required: Required

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

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: ₱ 600000

Landline Required: Required

Maybank Gold Visa

Annual Fee

₱ 2,500 per year

info

Free for the first year

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

Maybank Standard Mastercard

Annual Fee

₱ 2,000 per year

info

Free for the first year

Min. Annual Income

₱ 195,000

info

₱16,250 Monthly

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

Annual Fee

₱ 2,000 per year

info

Free for the first year

Min. Annual Income

₱ 195,000

info

₱16,250 Monthly

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

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline Required: Not required

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

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline requirement: Not required

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Required Documents

Regular Employee
Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 600000

Landline Required: Not required

Maybank Platinum Mastercard

Annual Fee

₱ 3,500 per year

info

Free for the first year.

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

Annual Fee

₱ 1,500 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Interest Rate

3 %

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

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: ₱ 180000

Landline requirement: Required

Maybank Platinum Visa

Annual Fee

₱ 3,500 per year

info

Free for the first year.

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

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

Annual Fee

₱ 1,500 per year

Min. Annual Income

₱ 120,000

info

₱10,000 Monthly

Interest Rate

3 %

Things to consider for this product:

check

Shopping points

check

Dining points

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline requirement: Required

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Minimum Annual Income : ₱ 2400000

Landline Required: Not required

PNB Essentials Mastercard

Annual Fee

₱ 1,200 per year

Min. Annual Income

₱ 120,000

info

₱10,000 Monthly

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Proof of income
Government-issued ID
Signed Certificate of Employment

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 120000

Landline Required: Not required

RCBC Landmark Anson's Mastercard

Annual Fee

₱ 960 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

Things to consider for this product:

check

No-brainer rebate

check

Supermarket rebate

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Proof of income

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 180000

Landline Required: Required

AUB Platinum Mastercard

Annual Fee

Free

info

No annual fee for life

Min. Annual Income

₱ 1,200,000

info

₱100,000 Monthly

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

Annual Fee

Free

info

No annual fee for life

Min. Annual Income

₱ 252,000

info

₱21,000 Monthly

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

Annual Fee

₱ 2,500 per year

info

Free for the first year

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

Annual Fee

Free

info

No annual free for life

Min. Annual Income

₱ 600,000

info

₱50,000 Monthly

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

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

Annual Fee

₱ 3,600 per year

info

₱3,600 for Platinum Mastercard, ₱3,000 for Gold Visa, ₱1,500 for Classic Visa.

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

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

Annual Fee

₱ 3,600 per year

info

Monthly charge of ₱300

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

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

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

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
Signed Certificate of Employment
Proof of income

Self-Employed

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: ₱ 300000

Landline Required: Required

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

Terms and Conditions :

Step to Apply :

Credit Card Required : Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline Required : Required

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

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Signed Certificate of Employment
Active landline / mobile phone number
Proof of income

Self-Employed

Audited Financial Statements
Business registration/permits
Active landline / mobile phone number

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1200000

Landline Required: Required

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

RCBC JCB Classic

Annual Fee

₱ 1,500 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

Exclusive discounts

check

Good for beginners

RCBC Classic Mastercard

Annual Fee

₱ 1,500 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

Exclusive discounts

check

Good for beginners

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

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 300000

Landline requirement: Not required

EastWest Platinum Mastercard

Annual Fee

Free

info

No annual fee for life

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

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 1800000

Landline requirement: Not required

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

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

-Valid TIN / SSS / GSIS or UMID number

- Photocopy of the latest BIR Form 2316 or W2

- Original Certificate of Employment and Income (COEI)

- 3 months original pay slip

Self-Employed

-Valid TIN / SSS / GSIS or UMID number

-Audited Financial Statements (if applicable)

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 480000

Landline requirement: Not required

What is a rewards credit card?

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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?

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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?

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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

Metrobank Titanium Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

Security Bank Gold Mastercard

Things to consider for this product:

Quick Facts

RCBC Mango Mastercard

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

Security Bank World Mastercard

Things to consider for this product:

Quick Facts

Metrobank World Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

RCBC Flex Gold Visa

Things to consider for this product:

Quick Facts

RCBC Unionpay Diamond Card

Things to consider for this product:

Quick Facts

Bank of Commerce Gold Mastercard

Things to consider for this product:

Quick Facts

Robinsons Bank DOS Mastercard

Things to consider for this product:

Quick Facts

RCBC Gold Mastercard

Things to consider for this product:

Quick Facts

Maybank Gold Visa

Things to consider for this product:

Quick Facts

Maybank Standard Mastercard

Things to consider for this product:

Quick Facts

Maybank Visa Classic

Things to consider for this product:

Quick Facts

PNB Diamond UnionPay

Things to consider for this product:

Quick Facts

PNB-PAL Mabuhay Miles Platinum Mastercard

Things to consider for this product:

Quick Facts

PNB Platinum Mastercard

Things to consider for this product:

Quick Facts

Maybank Platinum Mastercard

Things to consider for this product:

Quick Facts

RCBC Flex Visa

Things to consider for this product:

Quick Facts

Maybank Platinum Visa

Things to consider for this product:

Quick Facts

RCBC Black Card Platinum Mastercard

Things to consider for this product:

Quick Facts

Bank of Commerce Classic Mastercard