Best Credit Cards For Shopping in 2023
Our listings of shopping credit cards in Philippines from banks like BDO, BPI, Citibank, HSBC and more; give you higher perks, points or discounts for most of your shopping / online shopping needs
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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.
+ See MoreMain Feature
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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BDO ShopMore MasterCard
Best for Shopping, Easy Approval, Rewards
Main Feature
0.50 Peso Point per ₱200 spend
+ See MoreMain Feature
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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Metrobank Femme Signature Visa
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
+ See MoreMain Feature
1 Rewards Point per ₱20 spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱800,000
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Metrobank World MasterCard
Best for Shopping, Rewards
Main Feature
1 Rewards Point per ₱20 spend
+ See MoreMain Feature
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
+ See MoreMain Feature
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
+ See MoreMain Feature
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
+ See MoreMain Feature
1 Rewards Point per ₱20 spend
Annual Fees
₱2,000
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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BPI Amore Visa
Best for Shopping, Easy Approval, Dining, Entertainment, Cash Back
Main Feature
Up to 4% in rebates per ₱1,000 spend at BPI-affiliated establishments in Ayala Malls.
+ See MoreMain Feature
Up to 4% in rebates per ₱1,000 spend at BPI-affiliated establishments in Ayala Malls.
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180,000
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BPI Amore Visa Platinum
Best for Shopping, Dining, Entertainment, Cash Back
Main Feature
Up to 4% in rebates per ₱1,000 spend at BPI-affiliated establishments in Ayala Malls.
+ See MoreMain Feature
Up to 4% in rebates per ₱1,000 spend at BPI-affiliated establishments in Ayala Malls.
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱1,000,000
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BPI Edge Mastercard
Best for Shopping, Easy Approval, Dining, Entertainment
Main Feature
1 Real Thrills Point per ₱50 spend
+ See MoreMain Feature
1 Real Thrills Point per ₱50 spend
Annual Fees
₱1,320
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
+ See MoreMain Feature
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 Family Savings Credit Card
Best for Shopping, Easy Approval, Groceries
Main Feature
Low interest rate at 3%
+ See MoreMain Feature
Low interest rate at 3%
Annual Fees
₱1,350
Monthly Interest Rate
3%
Min Annual Income
₱180,000
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BPI Gold MasterCard
Best for Shopping, Rewards
Main Feature
Cash advance up to 100% of credit limit during emergencies
+ See MoreMain Feature
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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The American Express Platinum Credit Card
Best for Shopping, Groceries, Dining, Bill Payment
Main Feature
1 Rewards point for every ₱45 spent and 24/7 concierge service
+ See MoreMain Feature
1 Rewards point for every ₱45 spent and 24/7 concierge service
Annual Fees
₱5,000
Monthly Interest Rate
3%
Min Annual Income
₱1800000
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The American Express Gold Credit Card
Best for Shopping, Dining, Entertainment, Bill Payment
Main Feature
1 Rewards point for every ₱45 spent and 24/7 concierge service
+ See MoreMain Feature
1 Rewards point for every ₱45 spent and 24/7 concierge service
Annual Fees
₱3,000
Monthly Interest Rate
3.5%
Min Annual Income
₱850000
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BDO Diamond UnionPay
Best for Shopping, 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
₱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
+ 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 Gold UnionPay
Best for Shopping, Rewards
Main Feature
1 Point per ₱50 local/USD 1 international spend
+ See MoreMain Feature
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
+ See MoreMain Feature
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 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
+ See MoreMain Feature
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
+ See MoreLoading details... -
RCBC Bankard Flex Visa
Best for Shopping, Groceries, Dining, Fuel, Rewards
Main Feature
2 Rewards points per ₱50 spent on two choice categories
+ See MoreMain Feature
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 Diamond Card Platinum MasterCard
Best for Shopping, Dining
Main Feature
1 Rewards point for every ₱50 spent shopping or dining and ₱125 spent on gas or groceries.
+ See MoreMain Feature
1 Rewards point for every ₱50 spent shopping or dining and ₱125 spent on gas or groceries.
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱498,000
+ See MoreLoading details... -
EastWest Dolce Vita Titanium MasterCard
Best for Shopping, Dining, Rewards
Main Feature
1 Dolce Vita Charm per ₱100 spend
+ See MoreMain Feature
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 Visa Platinum Credit Card
Best for Shopping, Dining, Entertainment, Rewards
Main Feature
3% Cash Rewards for spending at department stores and dining
+ See MoreMain 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
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PNB Platinum MasterCard
Best for Shopping, Travel, Rewards
Main Feature
1 point per ₱70 spend
+ See MoreMain Feature
1 point per ₱70 spend
Annual Fees
₱3,000
Monthly Interest Rate
3%
Min Annual Income
₱480,000
+ See MoreLoading details... -
Metrobank Travel Platinum Visa
Best for Travel, Shopping
Main Feature
1 mile per ₱17 overseas spend
+ See MoreMain Feature
1 mile per ₱17 overseas spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱800,000
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HSBC Platinum Visa Credit Card
Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 air mile for as low as every ₱25 spent
+ See MoreMain Feature
1 air mile for as low as every ₱25 spent
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱500000
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HSBC Gold Visa Cash Back Credit Card
Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment, Fuel
Main Feature
Up to 5% cash back on dining and 0.5% cash back on all others.
+ See MoreMain Feature
Up to 5% cash back on dining and 0.5% cash back on all others.
Annual Fees
₱2,500
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
+ See MoreMain Feature
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
+ See MoreMain Feature
No annual fee for life and accelerated rewards
Annual Fees
No Fee
Monthly Interest Rate
3.1%
Min Annual Income
₱
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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
+ 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
₱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.
+ See MoreMain Feature
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 eCredit
Best for No Annual Fee, Easy Approval, Shopping, Dining
Main Feature
No annual fees for life and lower credit limit
+ See MoreMain Feature
No annual fees for life and lower credit limit
Annual Fees
No Fee
Monthly Interest Rate
3.5%
Min Annual Income
₱N.A
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The American Express Cashback Credit Card
Best for Cash Back, Shopping, Groceries, Dining, Bill Payment
Main Feature
Up to 5% cashback for first 3 months and 1% cashback thereafter.
+ See MoreMain Feature
Up to 5% cashback for first 3 months and 1% cashback thereafter.
Annual Fees
₱3,000
Monthly Interest Rate
3.5%
Min Annual Income
₱420000
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RCBC Bankard Visa Platinum
Best for Travel, Shopping, Groceries, Bill Payment, Fuel
Main Feature
1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend
+ See MoreMain Feature
1 Preferred Air Mile per ₱25 overseas spend/₱48 local spend
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱498,000
+ See MoreLoading details... -
RCBC Bankard Classic Card
Best for Rewards, Shopping, Groceries, Fuel
Main Feature
1 Rewards point per ₱36 spent shopping
+ See MoreMain Feature
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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RCBC Bankard Visa Infinite Card
Best for Cash Back, Shopping, Dining, Rewards
Main Feature
5% rebate at local or international clothing retail shops
+ See MoreMain Feature
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 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
+ See MoreMain 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
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Citi Shell Card
Best for Fuel, Shopping, Groceries, Dining, Entertainment, Bill Payment, Cash Back
Main Feature
Get up to 5% rebate on Shell Fuel purchases
+ See MoreMain Feature
Get up to 5% rebate on Shell Fuel purchases
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
+ See MoreMain Feature
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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Citi Premiermiles Card
Best for Travel, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 never-expiring PremierMile for every ₱30 spent
+ See MoreMain Feature
1 never-expiring PremierMile for every ₱30 spent
Annual Fees
₱5,000
Monthly Interest Rate
3.5%
Min Annual Income
₱360000
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Citi Cash Back Mastercard
Best for Cash Back, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
Up to 6% cashback on supermarket purchases and 0.2% on all others
+ See MoreMain Feature
Up to 6% cashback on supermarket purchases and 0.2% on all others
Annual Fees
₱3500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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Citi Rewards Mastercard
Best for Rewards, Shopping, Groceries, Dining, Entertainment, Bill Payment
Main Feature
1 point for every ₱30 spent
+ See MoreMain Feature
1 point for every ₱30 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.5%
Min Annual Income
₱180000
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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
+ See MoreMain Feature
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
+ See MoreMain Feature
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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Maybank Visa Platinum
Best for Cash Back, Travel, Shopping, Rewards
Main Feature
1% cash back on overseas spend
+ See MoreMain Feature
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*
+ See MoreMain Feature
1% Cashback on Overseas Spend*
Annual Fees
₱3,500
Monthly Interest Rate
3%
Min Annual Income
₱600,000
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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
+ See MoreMain Feature
5x Rewards Points for travel-related spending
Annual Fees
₱5,000
Monthly Interest Rate
2.95%
Min Annual Income
₱1,200,000
+ See MoreLoading details... -
PNB-PAL Mabuhay Miles World MasterCard
Best for Travel, Shopping
Main Feature
1 point = 1 Mabuhay Mile
+ See MoreMain Feature
1 point = 1 Mabuhay Mile
Annual Fees
₱6,000
Monthly Interest Rate
2.7%
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
+ See MoreMain Feature
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 Gold Rewards MasterCard
Best for Rewards, Shopping
Main Feature
1 Point per ₱20 spent
+ See MoreMain Feature
1 Point per ₱20 spent
Annual Fees
₱2,500
Monthly Interest Rate
3.50%
Min Annual Income
₱440,000
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Security Bank Complete Cashback MasterCard
Best for Cash Back, Shopping, Groceries, Dining, Bill Payment, Fuel
Main Feature
Up to 5% cashback on essential expenses
+ See MoreMain Feature
Up to 5% cashback on essential expenses
Annual Fees
₱3,000
Monthly Interest Rate
3.50%
Min Annual Income
₱360,000
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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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