Best Rewards Credit Cards

Rewards credit cards allow you to earn points based on your spends, that can be converted to cash, miles, and more. Please choose from our top rewards cards below.

Table of Contents

  • Citi Rewards Mastercard

    Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Rewards Mastercard

    Main Feature

    1 point for every ₱30 spent

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    Main Feature

    1 point for every ₱30 spent

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
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  • Promotion: Welcome gift of ₱2,500 GrabPay credits equivalent to 12 free rides + vouchers worth ₱2,000 (Valid till 31/12/2020)

    Citi Grab Card

    Best for Rewards, Shopping, Groceries, Dining, Entertainment

    Citi Grab Card

    Main Feature

    Platinum Tier upgrade and benefits for first 6 months

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    Main Feature

    Platinum Tier upgrade and benefits for first 6 months

    Annual Fees

    ₱3,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
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  • HSBC Red Mastercard

    Best for Shopping, Dining, Fuel

    HSBC Red Mastercard

    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

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    Main Feature

    Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱200000

    + See More
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  • Mercury Drug Citi Card

    Best for Rewards, Shopping, Groceries, Bill Payment

    Mercury Drug Citi Card

    Main Feature

    1 point for every ₱200 spent any Mercury Drug store

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    Main Feature

    1 point for every ₱200 spent any Mercury Drug store

    Annual Fees

    ₱2,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

    + See More
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  • Citi Prestige Card

    Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment

    Citi Prestige Card

    Main Feature

    1 Thank You Point with each ₱30 spent

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    Main Feature

    1 Thank You Point with each ₱30 spent

    Annual Fees

    ₱12,000

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱1000000

    + See More
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  • HSBC Advance Visa Credit Card

    Best for Rewards, Shopping, Fuel

    HSBC Advance Visa Credit Card

    Main Feature

    Up to 4x faster rewards when shopping online

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    Main Feature

    Up to 4x faster rewards when shopping online

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.2%

    Min Annual Income

    ₱200000

    + See More
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  • HSBC Premier Mastercard

    Best for Rewards, Shopping, Dining, Entertainment, Bill Payment, No Annual Fee

    HSBC Premier Mastercard

    Main Feature

    No annual fee for life and accelerated rewards

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    Main Feature

    No annual fee for life and accelerated rewards

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.1%

    Min Annual Income

    + See More
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  • RCBC Bankard Classic Card

    Best for Rewards, Shopping, Groceries, Fuel

    RCBC Bankard Classic Card

    Main Feature

    1 Rewards point per ₱36 spent shopping

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    Main Feature

    1 Rewards point per ₱36 spent shopping

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱250,000

    + See More
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  • Bank of Commerce World MasterCard

    Best for Rewards, Travel, Shopping, Dining, Rewards

    Bank of Commerce World MasterCard

    Main Feature

    5x Rewards Points for travel-related spending

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    Main Feature

    5x Rewards Points for travel-related spending

    Annual Fees

    ₱5,000

    Monthly Interest Rate

    2.95%

    Min Annual Income

    ₱1,200,000

    + See More
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  • Security Bank Gold Rewards MasterCard

    Best for Rewards, Shopping

    Security Bank Gold Rewards MasterCard

    Main Feature

    1 Point per ₱20 spent

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    Main Feature

    1 Point per ₱20 spent

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.50%

    Min Annual Income

    ₱440,000

    + See More
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  • AUB Classic MasterCard

    Best for No Annual Fee, Easy Approval, Shopping, Rewards

    AUB Classic MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

    + See More
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  • AUB Easy MasterCard

    Best for No Annual Fee, Rewards

    AUB Easy MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

    + See More
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  • AUB Gold MasterCard

    Best for No Annual Fee, Shopping, Rewards

    AUB Gold MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱600,000

    + See More
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  • AUB Platinum MasterCard

    Best for No Annual Fee, Shopping, Rewards

    AUB Platinum MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱1,200,000

    + See More
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  • BPI Blue MasterCard

    Best for Easy Approval, Shopping, Rewards

    BPI Blue MasterCard

    Main Feature

    Withdraw up to 30% of your credit limit and receive 1 Real Thrills Reward Point for every ₱35 spent.

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    Main Feature

    Withdraw up to 30% of your credit limit and receive 1 Real Thrills Reward Point for every ₱35 spent.

    Annual Fees

    ₱1,550

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180,000

    + See More
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  • BPI Visa Signature Card

    Best for Shopping, Rewards

    BPI Visa Signature Card

    Main Feature

    1 Real Thrills Rewards Premium Point per ₱20 spend

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    Main Feature

    1 Real Thrills Rewards Premium Point per ₱20 spend

    Annual Fees

    ₱5,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱1,200,000

    + See More
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  • BPI Gold MasterCard

    Best for Shopping, Rewards

    BPI Gold MasterCard

    Main Feature

    Cash advance up to 100% of credit limit during emergencies

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    Main Feature

    Cash advance up to 100% of credit limit during emergencies

    Annual Fees

    ₱2,250

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱480,000

    + See More
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  • BDO Diamond UnionPay

    Best for Shopping, Rewards

    BDO Diamond UnionPay

    Main Feature

    1 Point per ₱40 local/USD 1 international spend

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    Main Feature

    1 Point per ₱40 local/USD 1 international spend

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO Gold MasterCard

    Best for Shopping, Bill Payment, Rewards

    BDO Gold MasterCard

    Main Feature

    1 Point per ₱50 spend

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    Main Feature

    1 Point per ₱50 spend

    Annual Fees

    ₱2,400

    First year free

    Monthly Interest Rate

    3.25%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO Gold UnionPay

    Best for Shopping, Rewards

    BDO Gold UnionPay

    Main Feature

    1 Point per ₱50 local/USD 1 international spend

    + See More

    Main Feature

    1 Point per ₱50 local/USD 1 international spend

    Annual Fees

    ₱2,400

    First year free

    Monthly Interest Rate

    3.25%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO JCB Gold

    Best for Shopping, Rewards

    BDO JCB Gold

    Main Feature

    1 Point per ₱50 spend

    + See More

    Main Feature

    1 Point per ₱50 spend

    Annual Fees

    ₱2,400

    First year free

    Monthly Interest Rate

    3.25%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO JCB Platinum

    Best for Shopping, Travel, Rewards

    BDO JCB Platinum

    Main Feature

    1 Point per ₱40 spend

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    Main Feature

    1 Point per ₱40 spend

    Annual Fees

    ₱4,500

    First year free

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO Platinum MasterCard

    Best for Shopping, Dining, Rewards

    BDO Platinum MasterCard

    Main Feature

    1 Point per ₱40 local/USD 1 international spend

    + See More

    Main Feature

    1 Point per ₱40 local/USD 1 international spend

    Annual Fees

    ₱4,500

    First year free

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO ShopMore MasterCard

    Best for Shopping, Easy Approval, Rewards

    BDO ShopMore MasterCard

    Main Feature

    0.50 Peso Point per ₱200 spend

    + See More

    Main Feature

    0.50 Peso Point per ₱200 spend

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180,000

    + See More
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  • BDO Visa Gold

    Best for Dining, Entertainment, Rewards

    BDO Visa Gold

    Main Feature

    2x Points on dining and entertainment spends

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    Main Feature

    2x Points on dining and entertainment spends

    Annual Fees

    ₱2,400

    First year free

    Monthly Interest Rate

    3.25%

    Min Annual Income

    ₱420,000

    + See More
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  • BDO Visa Platinum

    Best for Shopping, Shopping, Dining, Rewards

    BDO Visa Platinum

    Main Feature

    1 Point per ₱40 local/USD 1 international spend

    + See More

    Main Feature

    1 Point per ₱40 local/USD 1 international spend

    Annual Fees

    ₱4,500

    First year free

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱600,000

    + See More
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  • RCBC Bankard JCB Platinum

    Best for Shopping, Dining, Rewards

    RCBC Bankard JCB Platinum

    Main Feature

    1 Rewards point per ₱25 spend in Japan

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    Main Feature

    1 Rewards point per ₱25 spend in Japan

    Annual Fees

    ₱3,600

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱498,000

    + See More
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  • RCBC Bankard Gold Card

    Best for Shopping, Groceries, Fuel, Rewards

    RCBC Bankard Gold Card

    Main Feature

    1 Rewards point per ₱36 spent shopping

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    Main Feature

    1 Rewards point per ₱36 spent shopping

    Annual Fees

    ₱3,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱360,000

    + See More
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  • RCBC Bankard Flex Visa

    Best for Shopping, Groceries, Dining, Fuel, Rewards

    RCBC Bankard Flex Visa

    Main Feature

    2 Rewards points per ₱50 spent on two choice categories

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    Main Feature

    2 Rewards points per ₱50 spent on two choice categories

    Annual Fees

    ₱1,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱250,000

    + See More
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  • RCBC Bankard Black Card Platinum MasterCard

    Best for Travel, Rewards

    RCBC Bankard Black Card Platinum MasterCard

    Main Feature

    1 non-expiring Rewards point per ₱36/ USD 1 spend on shopping and dining

    + See More

    Main Feature

    1 non-expiring Rewards point per ₱36/ USD 1 spend on shopping and dining

    Annual Fees

    ₱3,600

    First year free

    Monthly Interest Rate

    3.50% / 2.50%

    Min Annual Income

    ₱498,000

    + See More
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  • RCBC Bankard Visa Infinite Card

    Best for Cash Back, Shopping, Dining, Rewards

    RCBC Bankard Visa Infinite Card

    Main Feature

    5% rebate at local or international clothing retail shops

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    Main Feature

    5% rebate at local or international clothing retail shops

    Annual Fees

    ₱3,600

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱498,000

    + See More
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  • EastWest Dolce Vita Titanium MasterCard

    Best for Shopping, Dining, Rewards

    EastWest Dolce Vita Titanium MasterCard

    Main Feature

    1 Dolce Vita Charm per ₱100 spend

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    Main Feature

    1 Dolce Vita Charm per ₱100 spend

    Annual Fees

    ₱2,000

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱300,000

    + See More
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  • EastWest Platinum MasterCard

    Best for No Annual Fee, Shopping, Entertainment, Rewards

    EastWest Platinum MasterCard

    Main Feature

    1 Platinum Rewards Point per ₱40 spend.

    + See More

    Main Feature

    1 Platinum Rewards Point per ₱40 spend.

    Annual Fees

    No Fee

    Monthly Interest Rate

    2.75%

    Min Annual Income

    ₱1,800,000

    + See More
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  • EastWest Priority Visa Infinite Card

    Best for No Annual Fee, Travel, Shopping, Rewards

    EastWest Priority Visa Infinite Card

    Main Feature

    No annual fees for life and 1 Infinite Rewards Point per ₱10 spend

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    Main Feature

    No annual fees for life and 1 Infinite Rewards Point per ₱10 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    1.99%

    Min Annual Income

    ₱2,500,000

    + See More
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  • EastWest Visa Platinum Credit Card

    Best for Shopping, Dining, Entertainment, Rewards

    EastWest Visa Platinum Credit Card

    Main Feature

    3% Cash Rewards for spending at department stores and dining

    + See More

    Main Feature

    3% Cash Rewards for spending at department stores and dining

    Annual Fees

    ₱2,750

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱480,000

    + See More
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  • Metrobank World MasterCard

    Best for Shopping, Rewards

    Metrobank World MasterCard

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱6,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱4,000,000

    + See More
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  • Metrobank Rewards Plus Visa

    Best for Shopping, Rewards

    Metrobank Rewards Plus Visa

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱2,500

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱350,000

    + See More
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  • Metrobank Peso Platinum MasterCard

    Best for Shopping, Rewards

    Metrobank Peso Platinum MasterCard

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱700,000

    + See More
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  • Metrobank Femme Visa

    Best for Shopping, Easy Approval, Rewards

    Metrobank Femme Visa

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱2,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180,000

    + See More
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  • Metrobank Femme Signature Visa

    Best for Shopping, Rewards

    Metrobank Femme Signature Visa

    Main Feature

    1 Rewards Point per ₱20 spend

    + See More

    Main Feature

    1 Rewards Point per ₱20 spend

    Annual Fees

    ₱5,000

    First year free

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱800,000

    + See More
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  • Maybank Visa Platinum

    Best for Cash Back, Travel, Shopping, Rewards

    Maybank Visa Platinum

    Main Feature

    1% cash back on overseas spend

    + See More

    Main Feature

    1% cash back on overseas spend

    Annual Fees

    ₱3,500

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱600,000

    + See More
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  • Maybank Visa Infinite

    Best for Travel, Shopping, Cash Back, Rewards

    Maybank Visa Infinite

    Main Feature

    1% Cashback on Overseas Spend*

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    Main Feature

    1% Cashback on Overseas Spend*

    Annual Fees

    ₱3,500

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱600,000

    + See More
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  • PNB Platinum MasterCard

    Best for Shopping, Travel, Rewards

    PNB Platinum MasterCard

    Main Feature

    1 point per ₱70 spend

    + See More

    Main Feature

    1 point per ₱70 spend

    Annual Fees

    ₱3,000

    First year free

    Monthly Interest Rate

    3%

    Min Annual Income

    ₱480,000

    + See More
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  • Security Bank Platinum MasterCard

    Best for Travel, Shopping, Rewards

    Security Bank Platinum MasterCard

    Main Feature

    Travel perks and 1 Point for every ₱20 spent

    + See More

    Main Feature

    Travel perks and 1 Point for every ₱20 spent

    Annual Fees

    ₱4,000

    First year free

    Monthly Interest Rate

    3.50%

    Min Annual Income

    ₱1,300,000

    + See More
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  • Security Bank Classic Rewards MasterCard

    Best for Easy Approval, Shopping, Rewards

    Security Bank Classic Rewards MasterCard

    Main Feature

    1 Point per ₱20 spend

    + See More

    Main Feature

    1 Point per ₱20 spend

    Annual Fees

    ₱2,000

    First year free

    Monthly Interest Rate

    3.50%

    Min Annual Income

    ₱180,000

    + See More
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