Best Rewards Credit Cards of 2023
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 in Philippines below.
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Citi Rewards Mastercard
Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 point for every ₱30 spent
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1 point for every ₱30 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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Citi Grab Card
Best for Rewards, Shopping, Groceries, Dining, Entertainment
Main Feature
Platinum Tier upgrade and benefits for first 6 months
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Platinum Tier upgrade and benefits for first 6 months
Annual Fees
₱3,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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HSBC Red Mastercard
Best for Shopping, Dining, Fuel
Main Feature
Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
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Get 4X points on online shopping and dining. 3% rebate on Caltex Fuel.
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱200000
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HSBC Advance Visa Credit Card
Best for Rewards, Shopping, Fuel
Main Feature
Up to 4x faster rewards when shopping online
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Up to 4x faster rewards when shopping online
Annual Fees
₱2,500
Monthly Interest Rate
3.2%
Min Annual Income
₱200000
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HSBC Premier Mastercard
Best for Rewards, Shopping, Dining, Entertainment, Bill Payment, No Annual Fee
Main Feature
No annual fee for life and accelerated rewards
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No annual fee for life and accelerated rewards
Annual Fees
No Fee
Monthly Interest Rate
3.1%
Min Annual Income
₱
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RCBC Bankard Classic Card
Best for Rewards, Shopping, Groceries, Fuel
Main Feature
1 Rewards point per ₱36 spent shopping
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1 Rewards point per ₱36 spent shopping
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱250,000
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Mercury Drug Citi Card
Best for Rewards, Shopping, Groceries, Bill Payment
Main Feature
1 point for every ₱200 spent any Mercury Drug store
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1 point for every ₱200 spent any Mercury Drug store
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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Citi Prestige Card
Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 Thank You Point with each ₱30 spent
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1 Thank You Point with each ₱30 spent
Annual Fees
₱12,000
Monthly Interest Rate
3.5%
Min Annual Income
₱1000000
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Bank of Commerce World MasterCard
Best for Rewards, Travel, Shopping, Dining, Rewards
Main Feature
5x Rewards Points for travel-related spending
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5x Rewards Points for travel-related spending
Annual Fees
₱5,000
Monthly Interest Rate
2.95%
Min Annual Income
₱1,200,000
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Security Bank Gold Rewards MasterCard
Best for Rewards, Shopping
Main Feature
1 Point per ₱20 spent
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1 Point per ₱20 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.50%
Min Annual Income
₱440,000
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Metrobank World MasterCard
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱6,000
Monthly Interest Rate
3.5%
Min Annual Income
₱4,000,000
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Metrobank Rewards Plus Visa
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱350,000
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Metrobank Peso Platinum MasterCard
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱700,000
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Metrobank Femme Visa
Best for Shopping, Easy Approval, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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Metrobank Femme Signature Visa
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
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1 Rewards Point per ₱20 spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱800,000
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AUB Classic MasterCard
Best for No Annual Fee, Easy Approval, Shopping, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
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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
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AUB Easy MasterCard
Best for No Annual Fee, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
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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
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AUB Gold MasterCard
Best for No Annual Fee, Shopping, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
+ See MoreMain 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
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AUB Platinum MasterCard
Best for No Annual Fee, Shopping, Rewards
Main Feature
No annual fee for life and 1 Rewards Point per ₱20 spend
+ See MoreMain 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
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BPI Blue MasterCard
Best for Easy Approval, Shopping, Rewards
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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Withdraw up to 30% of your credit limit and receive 1 Real Thrills Reward Point for every ₱35 spent.
Annual Fees
₱1,550
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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BPI Visa Signature Card
Best for Shopping, Rewards
Main Feature
1 Real Thrills Rewards Premium Point per ₱20 spend
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1 Real Thrills Rewards Premium Point per ₱20 spend
Annual Fees
₱5,500
Monthly Interest Rate
3.5%
Min Annual Income
₱1,200,000
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BPI Gold MasterCard
Best for Shopping, Rewards
Main Feature
Cash advance up to 100% of credit limit during emergencies
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Cash advance up to 100% of credit limit during emergencies
Annual Fees
₱2,250
Monthly Interest Rate
3.5%
Min Annual Income
₱480,000
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BDO Diamond UnionPay
Best for Shopping, Rewards
Main Feature
1 Point per ₱40 local/USD 1 international spend
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1 Point per ₱40 local/USD 1 international spend
Annual Fees
₱5,000
Monthly Interest Rate
3%
Min Annual Income
₱420,000
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BDO Gold MasterCard
Best for Shopping, Bill Payment, Rewards
Main Feature
1 Point per ₱50 spend
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1 Point per ₱50 spend
Annual Fees
₱2,400
Monthly Interest Rate
3.25%
Min Annual Income
₱420,000
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BDO Gold UnionPay
Best for Shopping, Rewards
Main Feature
1 Point per ₱50 local/USD 1 international spend
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1 Point per ₱50 local/USD 1 international spend
Annual Fees
₱2,400
Monthly Interest Rate
3.25%
Min Annual Income
₱420,000
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BDO JCB Gold
Best for Shopping, Rewards
Main Feature
1 Point per ₱50 spend
+ See MoreMain Feature
1 Point per ₱50 spend
Annual Fees
₱2,400
Monthly Interest Rate
3.25%
Min Annual Income
₱420,000
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BDO JCB Platinum
Best for Shopping, Travel, Rewards
Main Feature
1 Point per ₱40 spend
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1 Point per ₱40 spend
Annual Fees
₱4,500
Monthly Interest Rate
3%
Min Annual Income
₱420,000
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BDO Platinum MasterCard
Best for Shopping, Dining, Rewards
Main Feature
1 Point per ₱40 local/USD 1 international spend
+ See MoreMain Feature
1 Point per ₱40 local/USD 1 international spend
Annual Fees
₱4,500
Monthly Interest Rate
3%
Min Annual Income
₱420,000
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BDO ShopMore MasterCard
Best for Shopping, Easy Approval, Rewards
Main Feature
0.50 Peso Point per ₱200 spend
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0.50 Peso Point per ₱200 spend
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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BDO Visa Gold
Best for Dining, Entertainment, Rewards
Main Feature
2x Points on dining and entertainment spends
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2x Points on dining and entertainment spends
Annual Fees
₱2,400
Monthly Interest Rate
3.25%
Min Annual Income
₱420,000
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BDO Visa Platinum
Best for Shopping, Shopping, Dining, Rewards
Main Feature
1 Point per ₱40 local/USD 1 international spend
+ See MoreMain Feature
1 Point per ₱40 local/USD 1 international spend
Annual Fees
₱4,500
Monthly Interest Rate
3%
Min Annual Income
₱600,000
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RCBC Bankard JCB Platinum
Best for Shopping, Dining, Rewards
Main Feature
1 Rewards point per ₱25 spend in Japan
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1 Rewards point per ₱25 spend in Japan
Annual Fees
₱3,600
Monthly Interest Rate
3.5%
Min Annual Income
₱498,000
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RCBC Bankard Gold Card
Best for Shopping, Groceries, Fuel, Rewards
Main Feature
1 Rewards point per ₱36 spent shopping
+ See MoreMain Feature
1 Rewards point per ₱36 spent shopping
Annual Fees
₱3,000
Monthly Interest Rate
3.5%
Min Annual Income
₱360,000
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RCBC Bankard Flex Visa
Best for Shopping, Groceries, Dining, Fuel, Rewards
Main Feature
2 Rewards points per ₱50 spent on two choice categories
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2 Rewards points per ₱50 spent on two choice categories
Annual Fees
₱1,500
Monthly Interest Rate
3.5%
Min Annual Income
₱250,000
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RCBC Bankard Black Card Platinum MasterCard
Best for Travel, Rewards
Main Feature
1 non-expiring Rewards point per ₱36/ USD 1 spend on shopping and dining
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1 non-expiring Rewards point per ₱36/ USD 1 spend on shopping and dining
Annual Fees
₱3,600
Monthly Interest Rate
3.50% / 2.50%
Min Annual Income
₱498,000
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RCBC Bankard Visa Infinite Card
Best for Cash Back, Shopping, Dining, Rewards
Main Feature
5% rebate at local or international clothing retail shops
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5% rebate at local or international clothing retail shops
Annual Fees
₱3,600
Monthly Interest Rate
3.5%
Min Annual Income
₱498,000
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EastWest Dolce Vita Titanium MasterCard
Best for Shopping, Dining, Rewards
Main Feature
1 Dolce Vita Charm per ₱100 spend
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1 Dolce Vita Charm per ₱100 spend
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱300,000
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EastWest Platinum MasterCard
Best for No Annual Fee, Shopping, Entertainment, Rewards
Main Feature
1 Platinum Rewards Point per ₱40 spend.
+ See MoreMain Feature
1 Platinum Rewards Point per ₱40 spend.
Annual Fees
No Fee
Monthly Interest Rate
2.75%
Min Annual Income
₱1,800,000
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EastWest Priority Visa Infinite Card
Best for No Annual Fee, Travel, Shopping, Rewards
Main Feature
No annual fees for life and 1 Infinite Rewards Point per ₱10 spend
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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
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EastWest Visa Platinum Credit Card
Best for Shopping, Dining, Entertainment, Rewards
Main Feature
3% Cash Rewards for spending at department stores and dining
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3% Cash Rewards for spending at department stores and dining
Annual Fees
₱2,750
Monthly Interest Rate
3.5%
Min Annual Income
₱480,000
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Maybank Visa Platinum
Best for Cash Back, Travel, Shopping, Rewards
Main Feature
1% cash back on overseas spend
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1% cash back on overseas spend
Annual Fees
₱3,500
Monthly Interest Rate
3%
Min Annual Income
₱600,000
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Maybank Visa Infinite
Best for Travel, Shopping, Cash Back, Rewards
Main Feature
1% Cashback on Overseas Spend*
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1% Cashback on Overseas Spend*
Annual Fees
₱3,500
Monthly Interest Rate
3%
Min Annual Income
₱600,000
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PNB Platinum MasterCard
Best for Shopping, Travel, Rewards
Main Feature
1 point per ₱70 spend
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1 point per ₱70 spend
Annual Fees
₱3,000
Monthly Interest Rate
3%
Min Annual Income
₱480,000
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Security Bank Platinum MasterCard
Best for Travel, Shopping, Rewards
Main Feature
Travel perks and 1 Point for every ₱20 spent
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Travel perks and 1 Point for every ₱20 spent
Annual Fees
₱4,000
Monthly Interest Rate
3.50%
Min Annual Income
₱1,300,000
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Security Bank Classic Rewards MasterCard
Best for Easy Approval, Shopping, Rewards
Main Feature
1 Point per ₱20 spend
+ See MoreMain Feature
1 Point per ₱20 spend
Annual Fees
₱2,000
Monthly Interest Rate
3.50%
Min Annual Income
₱180,000
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