For Your Shopping Hauls: 13 Best Credit Cards for Online Shopping

Around 8% of Filipinos use credit card payments for their online transactions, according to a study by logistics company Locad.^[1] Don’t have a credit card yet? It's time to shop around for the right credit card for cashless payments.

Credit cards make paying for your purchases convenient and contactless transactions possible. By using the best credit card for online shopping, you can earn points or rebates, too.

To help you out, we’ve compiled the top credit cards for the purpose of shopping. Consider upgrading your online shopping experience and kick-start your credit card application!

What to Look for in a Credit Card for Online Shopping

Which credit card is good for online shopping? Note that not all credit cards are the same. Some let you earn points, while some return a portion of your money as cashback.

In short, different types of credit cards come with different perks. But whichever you choose to go with, the best credit card for online shopping should offer the following: 

✔️ Security

Compared to cash, credit cards are more secure because you can recover your money from unauthorized transactions. Although you'll have to watch out for instances of credit card fraud,^[2] credit cards still offer better security features.

Credit card issuers have introduced several security features to protect credit cardholders, including One-Time Passwords (OTP), alphanumeric passwords, and even voice authentication. Unauthorized transactions can be disputed, and purchases are protected against loss or damage.

✔️ Ease of Use

Although debit cards and credit cards offer the same level of ease and convenience when used for online transactions, credit cards offer the advantage of purchasing on credit. With a credit card, you can buy something right now even if you don’t have cash available, and pay for it on your due date the following month. 

✔️ Wide Acceptance

A credit card that’s accepted anywhere gives you an edge and maximizes your purchasing power. If you have a Visa or Mastercard credit card, you can use it anywhere for online shopping.  

✔️ Perks and Rewards

If you’re looking for the best credit card for online shopping, make sure to get one that lets you earn points with your spending. You earn points whenever you use your credit card on digital shopping platforms. Most credit cards have rewards programs where you can exchange your points for free gifts. 

✔️ Minimum Spend Requirement

Although a lot of online shopping credit cards let you enjoy different benefits, some make it difficult to rack up points because of the minimum spend requirement. Opt for credit cards with reasonable spend requirements that won't force you to splurge just to earn points. 

✔️ Customer Service

Make sure to consider a credit card that has excellent customer service. Opt for a card provider where you can easily talk to a representative and get assistance regarding your credit card concerns. A good customer service department can easily provide reassurance and peace of mind whenever you encounter problems with your credit card. 

Best Credit Card for Online Shopping in the Philippines: 13 Cards to Choose From

Here's a glance at some of the top credit cards for online shopping:

Credit Card	Online Shopping Perks
UnionBank Rewards Credit Card	3x rewards points when you shop and dine here and abroad 1 rewards point for every ₱30 spend
Metrobank Titanium Mastercard®	1 rewards point for every ₱20 spend 2x points for online, dining, and department store purchases Convenient 0% installment plans for up to 24 months
HSBC Red Mastercard	4x points on online, shopping, dining, and overseas spend 1 rewards point for every ₱20 spend 0% interest installment plans for up to 36 months
Security Bank Gold Mastercard	1 rewards point for every ₱20 spend eSecure feature for setting limits on online shopping 0% installment plans for up to 24 months
BPI Rewards Card	1 rewards point for every ₱35 spend Up to 100% of your credit limit for your installment purchases with the Bonus Madness Limit Special Installment Plan payments of up to 36 months at 0%
UnionBank Lazada Credit Card	6 Lazada credits for every ₱200 spend on Lazada 1 Lazada credit for every ₱200 spend elsewhere  ₱50 free shipping voucher each month at Lazada Free ₱500 discount vouchers for five Lazada sales in a year

For more details and options, read on. 

UnionBank Rewards Credit Card

Rewards make a credit card more worthwhile. And if scoring more rewards is your goal, you can’t go wrong with the UnionBank Rewards Credit Card.

For every ₱30 you spend, you'll get 1 rewards point. Plus, you get 3x non-expiring points when you shop and dine here and abroad. Accumulate points to score exciting rewards. 

💳 UnionBank Rewards Credit Card Perks

• Earn 1 rewards point for every ₱30 spend
• 3x non-expiring reward points when you shop and dine here and abroad

💳 UnionBank Rewards Credit Card Features

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000 

Read more: Moneymax Reviews: How Rewarding is a UnionBank Rewards Credit Card?

Metrobank Titanium Mastercard^®

If you’re comparing credit cards for online shopping, consider a credit card that can earn points as quickly as possible. Enter the Metrobank Titanium Mastercard^®.

For every ₱20 spend, this credit card earns 1 rewards point. If you use the Metrobank Titanium Mastercard^® for your online shopping, you get 2x points.

The Metrobank Titanium Mastercard^® can also help with big-ticket online purchases with its 0% interest installment program for up to 24 months.

💳 Metrobank Titanium Mastercard^® Perks

• 1 rewards point for every ₱20 spend
• 2x points for online, dining, and department store purchases
• Convenient 0% installment plans for up to 24 months

💳 Metrobank Titanium Mastercard^® Features

• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000 if the applicant has a card with another bank; ₱29,167 if the applicant doesn't have another card

Metrobank Platinum Mastercard^®

Rack up points easily with the Metrobank Platinum Mastercard^®. You earn 1 rewards point for every ₱20 spend, so start shopping!

Your purchases are also in safe hands with Metrobank's eCommerce purchase protection, which offers coverage of up to US$200 for incomplete or wrong items delivered, defect or damage in delivery, and non-delivery.

💳 Metrobank Platinum Mastercard^® Perks

• 1 rewards point for every ₱20 spend
• eCommerce purchase protection of up to US$200
• Up to 50% off on premium dining offers

💳 Metrobank Platinum Mastercard^® Features

• Annual fee: ₱5,000 
• Interest rate: 3%
• Minimum monthly income requirement: ₱58,333

Read more: Metrobank World vs Platinum Mastercard^®: Which is Better for You?

HSBC Red Mastercard

If you’re looking for a more affordable credit card, then this should be at the top of your list.

Just like the HSBC credit card above, the HSBC Red Mastercard also offers accelerated rewards for your purchases. Get 4x bonus points for every ₱20 you spend on online, shopping, dining, and overseas transactions.

The HSBC Red Mastercard also comes with 0% interest installment plans of up to 36 months. Just shop from partner merchants such as Power Mac Center, Rustan’s, and the SM Store, among others.

Read this HSBC Red Mastercard review.

💳 HSBC Red Mastercard Perks

• 4x points on online, shopping, dining, and overseas spend
• 1 rewards point for every ₱20 spend
• 0% interest installment plans for up to 36 months

💳 HSBC Red Mastercard Features

• Annual fee: ₱2,500 
• Interest rate: 3%
• Minimum monthly income requirement: ₱16,667

Security Bank Gold Mastercard

If you’re considering a credit card for online shopping, don’t forget to look at its online security features. 

Aside from the usual credit card security features, Security Bank Gold Mastercard takes it a step further with its eSecure feature. Set limits for online shopping so you can avoid overspending and prevent unauthorized purchases.

For every ₱20 online spend, you earn 1 rewards point. Use points to unlock exciting rewards from Security Bank’s wide catalog of perks.

💳 Security Bank Gold Mastercard Perks

• 1 rewards point for every ₱20 spend
• eSecure feature for setting limits on online shopping
• 0% installment plans for up to 24 months

💳 Security Bank Gold Mastercard Features

• Annual fee: ₱2,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000

BPI Rewards Card

The BPI Rewards Card is one of the best credit cards you can use to shop online. Perks and rewards await when you use the card at your favorite online stores. 

Use this BPI credit card not just at local online shops, but also at stores abroad and international websites. Enjoy a low forex conversion rate of just 1.85%. 

💳 BPI Rewards Card Perks

• 1 rewards point for every ₱35 spend
• Up to 100% of your credit limit for your installment purchases with the Bonus Madness Limit
• Special Installment Plan payments of up to 36 months at 0%

💳 BPI Rewards Card Features

• Annual fee: ₱1,550 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

UnionBank Lazada Credit Card

If you want to rack up Lazada credits by earning points from your purchases, apply for this card. You can also enjoy free shipping—handy if you tend to shop for your essentials online. 

Check out this UnionBank Lazada credit card review to discover more of this card's perks.

💳 UnionBank Lazada Credit Card Perks

• 6 Lazada credits for every ₱200 spend on Lazada
• 1 Lazada credit for every ₱200 spend elsewhere 
• ₱50 free shipping voucher each month at Lazada
• Free ₱500 discount vouchers for five Lazada sales in a year

💳 UnionBank Lazada Credit Card Features

• Annual fee: ₱3,000 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱30,000

RCBC ZALORA Credit Card

Powered by RCBC, the ZALORA Credit Card is a lifestyle and fashion card that's perfect for fashionistas who wish to rack up rewards every time they shop at ZALORA.

Enjoy the luxury of free shipping for one year with a minimum spend requirement. You can still enjoy free shipping the following year if you meet the minimum annual spend requirement of ₱200,000. 

💳 RCBC ZALORA Credit Card Perks

• ₱5,000 worth of shopping credits with a minimum purchase of ₱30,000
• 6% cashback when you shop on Zalora and 2% on other online shops
• 1 rewards point for every ₱50 spend
• Purchase protection of up to ₱50,000
• Free shipping via ZNOW

💳 RCBC ZALORA Credit Card Features

• Annual fee: ₱4,000 per year (waived for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱25,000

RCBC Flex Visa

With the RCBC Flex Visa, you’re not confined to a few merchants to earn points. Earn as many rewards points as possible when you use this credit card for online shopping, whether for clothing, dining, travel, or transportation purchases. You can easily exchange your reward points for discount vouchers or cash rebates. 

For more details about this card, check this RCBC Flex Visa review.

💳 RCBC Flex Visa Perks

• 2x rewards points in two categories of your choice: clothing, dining, travel, or transportation
• Free Purchase Protection and Travel Insurance
• Unli Installment to convert straight purchases to installments of up to 36 months

💳 RCBC Flex Visa Features

• Annual fee: ₱1,500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

BPI eCredit Card

Shop with more security using the BPI eCredit Card. The BPI eCredit Card is one of the best credit cards for online shopping because it comes with a different card number for your protection, plus a lower credit limit you can personally adjust. 

Read this BPI eCredit Card review.

💳 BPI eCredit Card Perks

• 1 rewards point for every ₱35 spend
• Special offers from various online stores
• Added security for online transactions

💳 BPI eCredit Card Features

• Annual fee: No annual fee for life
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

Metrobank ON Virtual Mastercard^®

The Metrobank ON Virtual Mastercard^® serves as a companion credit card for your other Metrobank credit card for online shopping. Its annual fee is only ₱500, which you can waive in the first year. To further sweeten the deal, the Metrobank ON Virtual Mastercard^® earns 1 rewards point for every ₱20 spend.

With its E-Commerce Protection, you’re covered against wrong or incomplete items on delivery, as well as items damaged in delivery, and even non-delivery of items purchased online.

💳 Metrobank ON Virtual Mastercard^® Perks

• 1 rewards point for every ₱20 spend
• Low annual fee, which is waived in the first year
• E-Commerce Protection
• Flexible credit limit

💳 Metrobank ON Virtual Mastercard^® Features

• Annual fee: ₱500 (free for the first year)
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000

AUB Easy Mastercard

Want to maximize your online shopping experience without paying annual fees? The AUB Easy Mastercard is your best bet for the best credit card for online shopping.

With this card, choose how often you want to pay your credit card balance (monthly, bi-monthly, weekly) and how much you want to pay. You also earn 1 rewards point for every ₱20 spend online and in-store. 

To secure your online transactions, the AUB Easy Mastercard is equipped with Mastercard SecureCode, a one-time password (OTP) that verifies every purchase.

💳 AUB Easy Mastercard Perks

• Flexible payment options
• 1 rewards point for every ₱20 spend
• Mastercard SecureCode protocol for added security

💳 AUB Easy Mastercard Features

• Annual fee: Free for life
• Interest rate: 3%
• Minimum monthly income requirement: ₱21,000

Related reading:

• Moneymax Reviews: Comparing AUB’s Budget-Tier Credit Cards
• Do More with Your Card: Top AUB Credit Card Promos This 2023

How to Use a Credit Card for Shopping Online

Using a credit card is a convenient and cashless way of spending money. It also protects your bank account from unauthorized purchases. If a hacker gets hold of your debit card or digital wallet details, they can steal your money without you knowing it.

However, with a credit card, you can shield your bank account from that risk. Debit, prepaid, and credit cards are equipped with EMV chip technology that secures every transaction. But unlike debit cards, credit cards use a credit line for purchases instead of your actual money.

It’s easy to figure out how to pay using a credit card online. Here is the basic payment process most online stores in the Philippines follow:

1. When the online store asks for your mode of payment, select Credit Card.
2. Provide the following information found on your credit card.
   • 16-digit credit card number - the numbers found on the front of the card
   • Expiration date - also found on the front of the card
   • Security code - the three-digit number at the back of the card
3. Provide your billing address and city zip code if necessary.
4. Confirm your order and enjoy your purchase!

That’s it! Just a reminder: don’t give your credit card information to anyone. Avoid taking a picture of your credit card and uploading it on social media. Don’t lend your credit card to anyone, even to family and friends.

How to Protect Your Credit Card for Online Shopping

Credit cards make online shopping easy, convenient, and rewarding. But these come with fraud risks. Here's how you can protect your credit card for online shopping:

• Use your own device when shopping online. Use your own mobile phone, tablet, or computer when shopping. Devices can encrypt your passwords, username, and other financial information, making them easily accessible to other users. 
• Check the merchant URL. Some fraudulent merchants incorporate your bank’s name or other legit online shops into their URLs to entice you to shop and provide your credit card details. Verify the URL before continuing your shopping. 
• Choose a credit card with layers of security features. Not all credit cards are the same when it comes to security features. Use a credit card with a two-factor authentication feature and account alerts. 
• Don’t use all your credit cards to shop online. If possible, pay for your online purchases with a single credit card account to prevent you from exposing all your financial details. 
• Create unique passwords. Do you tend to use the same username and password for each online shopping account? Use unique passwords to minimize the risk of your sensitive personal information getting hacked. 

Final Thoughts

Online shopping and cashless transactions offer plenty of great benefits to consumers. Use any of these credit cards for online shopping so you can shop conveniently and enjoy the perks. Before you heed the urge to shop, don't forget to check out the best credit card deals you can avail of.  

Discover Other Top Credit Cards in the Philippines

Looking for other credit card options in the Philippines? Compare your options through Moneymax! For instance, if you want a credit card that offers premium travel perks instead, look into the Metrobank World Mastercard^®.  For dining perks, consider the HSBC Gold Visa Cash Back. Lastly, apply for the Security Bank Complete Cashback Platinum Mastercard if your goal is to save money on essential spend. 

Click the banner to discover more options. 

Sources:

• ^[1] Philippines’ E-commerce Shoppers at a Glance (Locad, 2023)
• ^[2] Fraud-Protection and Security (Credit Card Association of the Philippines)