Knowing the Best Credit Cards in the Philippines for 2016

best-credit-cards-ph, credit-cards-in-the-philippines

One of the perks of working a full-time job is the privilege of owning a credit card. Congratulations, because you’re finally earning enough to afford one! You can now have the ease and convenience of owning a credit card for cashless transactions wherever you are in the world. You can also have the security that owning a credit card affords, especially for emergencies. But of course, with that comes the responsibility of spending within your limit and paying your credit card bills on time to maintain a good credit standing.

How do you pick the best credit card when there are so many out there promising exclusive deals and discounts? We have made this task easier for you and listed down the best credit cards in the Philippinesaccording to personal preference. Whether you want to use your credit card for entertainment, travel, groceries, dining, shopping, gassing up, or even just for cashback, there’s a credit card that’s just right for you.

Top 3 Best Shopping Credit Cards

When it comes to the best shopping credit cards in the Philippines, perks and rebates are designed specifically for shopping. Banks have various tie-ups with major brands and large shopping malls to entice cardholders to shop more with their credit card and enjoy the exclusive discounts and promotions.

bdo forever 21 credit card image

BDO Forever 21 Credit Card

BDO has tied up with American fashion retailer Forever 21 in providing you with a credit card that will make all of your Forever 21 shopping dreams a reality. For every ₱200 you spend at Forever 21 and charge to your card, you get to earn 3 points. No more queues just to try on that pretty top, either. With your BDO Forever 21 Card, you have exclusive access to Special Payment and Dressing Room Lanes. You also get to be among the first to access special Forever 21 sale events.

Spend at least ₱2,000 on any Forever 21 SM 3-Day Sales and get 21 times more points when you charge it on your BDO Forever 21 Card. Spend at least ₱3,000 and receive 21% rebate on the 21st day of the month. To apply for this credit card, the minimum monthly income must be ₱15,000. Annual fee is at ₱2,400(waived on the first year). Get the BDO Forever 21 credit card and apply now!

Highlights
• Earn 1 point for every ₱200 you spend with your BDO Forever 21 Card, including entertainment, gas, groceries, and utilities
• Exclusive deals, freebies, and treats when you shop online at partner websites
• Zero interest installment payment plans
• Cash advance features of up to 30% of your credit limit

BPI Ayala Malls Amore Visa Credit Card imageBPI Ayala Malls Amore Credit Card

If you’re looking for a credit card that you can use for shopping, as well as for dining, grocery shopping, and watching movies, the BPI Ayala Malls Amore Card is the perfect credit card to get. It’s exclusive to Ayala Malls shoppers, and you get to enjoy fun freebies and special discounts at participating Ayala Malls establishments.

You automatically receive 5% discount on Ayala Cinema tickets and get Express Lane Access. For every ₱1,000 you spend on Ayala Mall BPI-affiliated restaurants, you also get 4% rebate. Shop at supermarkets, department stores, specialty retail stores, and other partner merchants at any Ayala Mall for a minimum of ₱1,000 and enjoy even more rebates. To apply for your own, you must have a minimum monthly income of ₱15,000. Annual fee of ₱2,050 will be waived on the first year.

Sign up for your own BPI Ayala Malls Amore credit card today!

Highlights
• As much as ₱15,000 in rebates per year
• Invitation to exclusive events and reserved seats at special mall shows
• Zero interest installment payment plans
• Cash advance features of up to 30% of your credit limit

HSBC Red MasterCardHSBC Red Credit Card

The HSBC Red Card is the must-have credit card for the ultimate shopper. Receive rewards 4x faster, and enjoy special deals and exclusive privileges only with your HSBC Red credit card. For a minimum spending of ₱2,500 on groceries, travel, or dining, get 1 bonus point for each ₱10 you spend every month. When you gas up at participating Caltex gas stations and charge it to your card, you receive a 10% rebate on your first swipe, and then 3% rebate for the rest of the year.

It also comes with Secure Pay, an added layer of security that protects your password when you make online purchases. Paying your credit card bills is also made easier with its mobile payment option. The annual fee for the principal card is ₱1,200, and you must have a monthly income of at least ₱16,667 to be eligible to apply. Apply now for your own HSBC Red credit card!

Highlights
• Accelerated Rewards for accumulated spending of ₱1,500 minimum and ₱40,000 maximum per month
• Home&Away Program for cardholders to avail of exclusive discounts and enjoy freebies worldwide in over 27,000 business establishments
• Zero interest installment payment plans up to 36 months
• Auto Charge features to let you enroll and pay your bills every month

Top 3 Best Travel Credit Cards

For some people, the travel bug is alive and well. For this reason, you need a credit card that will allow you to travel far and wide, while keeping you happy and satisfied when it comes to rewards and rebates. It should also earn you non-expiring miles, provide you with lounge access anywhere, and offer a comprehensive travel insurance. Here are three of the best travel credit cards in the Philippines for your choosing.

Citibank Premier Miles Credit CardCitibank Premier Miles Credit Card

With the Citibank Premier Miles Card, you earn 1 Premier Mile for every ₱40 or ₱30 you spend on travel, gas, groceries, or shopping. The miles you earn can be used to pay for your travel expenses, which include airfare, hotel accommodations, and car rentals. Or you can exchange them for air tickets with over 60 airlines. With this credit card, you also get an insurance coverage of up to ₱5,000,000, or ₱10,000,000 for Premier Miles Platinum.

Wherever you are in the world, you can use your Citibank Premier Miles card in over 29 million establishments. There are also regular freebies, discounts, and exclusive member privileges. To start enjoying the perks of this travel credit card, your minimum monthly income should be at least ₱30,000. Annual fee is at ₱5,000. Sign up now for your own Citibank Premier Miles credit card.

Highlights
• Premier Miles earned for every ₱40 or ₱30 spent with Citibank Premier Miles or Citibank Premier Miles Platinum
• Best deals available with over 1,000 establishments in the country and over 29 million establishments worldwide
• Rewards all year round for the Member Get Member Program
• Up to 7 supplementary cards for friends and family members

BPI Skymiles MasterCard Credit Card image

BPI Delta SkyMiles Classic Credit Card

Earn points and travel the world in style with your BPI Delta SkyMiles Classic card. Charge your shopping, travel, and grocery expenses on your credit card and earn 1 mile for every ₱45 that you spend. Credit cardholders get to enjoy exclusive travel and shopping deals. You can also get as much as ₱10M travel insurance when you buy your airline ticket using your BPI Delta SkyMiles card.

To qualify for this travel credit card, you must have a minimum salary of ₱15,000. Annual fee is at ₱2,050.Apply now for a BPI Delta SkyMiles Classic credit card.

Highlights
• Cash advance features of up to 30% of your BPI Delta SkyMiles Classic Card
• Miles earned with every ₱45 spent on groceries, shopping, and travel
• Exclusive deals all year round for cardholders
• Zero interest installment plans at partner establishments

HSBC Platinum Credit Card imageHSBC Platinum Credit Card

The HSBC Platinum Card lets you enjoy exclusive deals and privileges and earn four times as much reward points. Use your credit card when you travel and receive 4 bonus points for every ₱20 that you spend. Earn three times the reward points when you shop and dine locally. When you gas up at selected Caltex gas stations, you also receive a 10% rebate on your first transaction.

A minimum monthly income of ₱41,667 is required to be eligible for this particular travel credit card. The annual fee is free on the first year, and subsequently it will be at ₱5,000.

Apply for your HSBC Platinum credit card today!

Highlights
• Air miles earned with every ₱25 you spend on your HSBC Platinum Card
• 4 bonus points for every ₱20 that you spend on local shopping and dining
• Accelerated Rewards program on accumulated spending of up to ₱60,000 per month
• Zero interest installment plans at partner establishments with payments schemes of up to 36 months

Top 3 Best Gas Credit Cards

When it comes to gas credit cards, people want the best one that will provide the most bang for their buck, especially if you purchase gas on a regular basis. It’s important to get a credit card for gas that will also offer great rewards the more frequent you swipe it.

BPI Petron MasterCard Credit Card imageBPI Petron Credit Card

The BPI Petron Card offers exclusive discounts for credit cardholders whenever you gas up at any participating Petron outlet nationwide. Get 3% fuel rebate at Petron outlets, as well as 10% discount on Petron products. When you sign up for a new BPI Petron Card, you also get ₱200 worth of fuel. You can apply for this credit card if your monthly income is at least ₱15,000. The annual fee of ₱1,550 is waived for the first year. Get your BPI Petron credit card and apply today!

Highlights
• Cash advance features of up to 30% of your credit limit
• Balance transfer at 12.00% per year for a lock-in period of 12 months
• 3% fuel rebate on participating outlets and 10% discount on Petron products
• Zero interest installment plans at partner establishments

Security Bank Classic MasterCardSecurity Bank SeaOil Credit Card

Security Bank partnered up with SeaOil Philippines to provide consumers with the best deals when it comes to fuel purchases using their Security Bank SeaOil Card. Get 4% fuel rebate when you gas up at SeaOil stations and enjoy 24/7 roadside assistance, including towing and small repairs — exclusive only for Security Bank SeaOil Card holders. What’s more, once you activate your Security Bank SeaOil credit card, you get ₱500 worth of fuel absolutely free. You also get to enjoy 10% off on SeaOil products, as well as Diners Club Privileges when you dine and travel locally and internationally.

The minimum monthly income for this card is ₱16,667, and annual fee is at ₱1,500.

Apply now for your own Security Bank SeaOil credit card!

Highlights
• Reward points earned every ₱20 you charge on your Security Bank SeaOil Card for entertainment and utilities
• ChargeLight feature available to convert purchases into monthly installments of up to 24 months
• Exclusive Diners Club privileges on hotels, leisure, shopping, and dining worldwide
• 24/7 roadside assistance and Bills Assist Online Facility

Citibank Shell Credit Card imageCitibank Shell Credit Card

If you’re looking for a credit card that will offer plenty of rebates the more frequently you use it, the Citibank Shell Card can very well be the right one for you. Enjoy a 5% rebate when you purchase Shell products, also when you spend on auto repairs, services, and accessories across the country. You also get a 5% rebate when you use it to pay for toll load and toll fees. Enjoy more cashback when you spend at least ₱10,000 per month with your card. A minimum monthly income of ₱21,000 is required, and the annual fee is at ₱2,500 (waived for the first year). Apply for your Citibank Shell credit card now and start enjoying the rewards!

Highlights
• 5% rebates on Shell products, toll fees, and auto repairs and services
• Zero interest installment payment plans at partner establishments, including previous single receipt purchases
• Exclusive and exciting rewards for members all year round
• 24/7 nationwide emergency roadside assistance

Top 3 Best Groceries Credit Cards

For most households, the highest percentage of monthly expenses goes to groceries. If you can find a credit card that offers the best rewards and highest rebates, that will definitely make one a happy shopper. Check out what three of the best credit cards for groceries in the Philippines have to offer.

BDO Shopmore Credit Card imageBDO ShopMore Credit Card

If you mostly do your shopping at SM Malls, the BDO ShopMore Mastercard is a good card to have. You automatically get a free SM Advantage Card with this credit card. Aside from the regular points that you earn on your SM Advantage Card, you also get an additional 0.5 point with your BDO ShopMore Mastercard. Also earn points for every ₱200 you spend at Petron outlets or SM Retail Affiliates. You also get to enjoy a 5% rebate for a minimum spend of ₱5,000 during SM Malls’ 3-day sales. You can apply for this card if your minimum monthly income is ₱15,000. Annual fee is just ₱900.

Sign up for a BDO Shopmore credit card today!

Highlights
• Free SM Advantage Card with your BDO ShopMore Mastercard
• Zero interest installment payment plans at partner establishments
• Exclusive deals and discounts when you use your BDO ShopMore Mastercard at partner websites
• Auto charge facility for paying utility bills

Citibank Cashback Credit Card imageCitibank Cashback Credit Card

The Citibank Cashback card is another credit card that will complement the frequent shopper in you. Get as much as 6% rebate on your groceries, and 0.2% rebate on your gas, travel, dining, and shopping bills. You also get a 2% rebate on your Meralco bill. The annual fee of ₱3,500 is waived on the first year, and you can apply for a Citibank Cashback card if your minimum monthly income is ₱20,834.

Apply for a Citibank Cashback credit card now!

Highlights
• Rebates as much as 6% on supermarket purchases, and shopping, dining, and utility bills
• Zero interest installment payment plans at partner establishments and payment terms of up to 24 months
• Exclusive deals, discounts, freebies, and upgrades with over 5,000 Citibank partner establishments worldwide
• Convenience of paying bills through Citibank Online and Citibank Mobile

Security Bank Complete Cashback Credit Card imageSecurity Bank Complete Cashback Credit Card

The Security Bank Complete Cashback Card lets you get your cash back for your daily expenses. That’s 5% rebate on your supermarket purchases, 4% rebate on your gasoline purchase, 3% rebate on your utility bill spending, and 1% rebate on your shopping purchases. You can also apply up to a max of 5 supplementary cardholders for free. The minimum monthly income required to be eligible for this credit card is ₱30,000. The annual fee of ₱3,000 is waived on the first year.

Sign up for your Security Bank Complete Cashback credit card today.

Highlights
• Rebates for your expenses on groceries, gas, utility bills, shopping, and dining
• Zero interest installment payment plans at partner establishments
• Free up to 5 additional supplementary cardholders
• Security Bank Online Banking facility and Bills Assist

Top 3 Best Dining Credit Cards

If you love to eat with family and friends, it’s great to have a credit card that’s tailor made for the serious foodie. There are many dining credit cards available in the market today, and we have three of the best and the most competitive here.

RCBC LJC Credit CardRCBC LJC Credit Card

Enjoy 10% exclusive discount on your total bill all year round each time you use your RCBC LJC Card at any LJC restaurant. As a new cardholder, you also receive a bottle of wine as a welcome gift for free. Dine at any LJC restaurant on your birth month and receive bigger discounts on your total bill. You can also earn points for every ₱100 you spend using your credit card for shopping, groceries, gas, and travel. All the points that you earn can be used to redeem LJC restaurant vouchers. To get your own RCBC LJC Card, you must have a monthly income of at least ₱13,333. The annual fee is ₱960, which is waived on the first year. Apply now for your own RCBC LJC credit card.

Highlights
• Reward points earned when you use your RCBC LJC Card on groceries, gas, utility bills, shopping, and dining
• Zero interest installment payment plans at partner establishments
• 10% discount on your total bill all year round at LJC restaurants
• Exclusive discounts, deals, and privileges for new cardholders and birthday celebrants

Union Bank Burgoo Visa Credit Card imageUnion Bank Burgoo Visa Credit Card

The Union Bank Burgoo Visa Card lets you indulge the inner foodie in you by giving you exclusive deals and discounts at Burgoo, Eat&Go, and Gumbo all throughout the year. Enjoy as much as 20% discount when you dine at Burgoo and its sister restaurants on your birthday as a special birthday treat for cardholders. Regular days, all year round, you can enjoy 15% discount. Earn points for every ₱20 you spend using your credit card. Redeem all the points you earn for Burgoo dining vouchers. To be eligible for this credit card, you must have a minimum monthly income of ₱50,000. The annual fee is at ₱1,500.

Get your Union Bank Burgoo Visa credit card today!

Highlights
• Exclusive dining privileges for Union Bank Burgoo Visa credit cardholders at Burgoo, Gumbo, and Eat&Go
• Zero interest installment payment plans up to 36 months
• Reward points for every ₱20 spent using your Burgoo Visa Card
• Auto charge facility to pay your utility bills

HSBC Gold Credit Card imageHSBC Gold Credit Card

Enjoy exclusive deals with your HSBC Gold Card and earn points when you shop, dine, gas up, and buy your groceries. Earn 1 point for every ₱20 you spend for your utility bills or your groceries, and 3x more bonus points when you use your credit card for dining or shopping. Also enjoy a 10% rebate on your first transaction when you gas up at selected Caltex stations, and 3% rebate for the whole year. For just a minimum accumulated spending of ₱1,500 each month, you can also qualify for the Accelerated Rewards program. The minimum monthly income requirement for this card is ₱16,667 and the annual fee is ₱2,500.Sign up and apply for your own HSBC Gold credit card now!

Highlights
• Exclusive deals and privileges for HSBC Gold Cardholders
• Rebates when you gas up at selected Caltex stations
• Reward points for every ₱20 spent used on dining and shopping
• Auto charge facility to pay your utility bills and HSBC Secure Pay for added security

Top 3 Best Cashback Credit Cards

Aside from the usual perks and discounts that most credit cards give to their cardholders, one more thing that you should consider when choosing a credit card is the cashback reward program. Here we have listed down three of the best cashback credit cards in the Philippines for your review.

EastWest Bank EveryDay Credit CardEastWest Bank EveryDay Credit Card

Do you want to receive rebates on purchases made on your credit card? The EastWest Bank EveryDay Card offers 5% cash rebates when you use your card to pay for gas and groceries. Shop and dine using your credit card and enjoy 5% cash rebates, with a minimum spending of ₱10,000. If you wish to share the credit card with your family members, you can apply for up to 9 supplementary cards as well. To be eligible for this card, the minimum monthly income is ₱40,000, and annual fee is at ₱2,800.

Apply now for your EastWest Bank EveryDay credit card!

Highlights
• 5% cash rebate when you use your EastWest Bank EveryDay card on gas, groceries, dining, and shopping
• Zero interest installment plan available at participating merchants
• Quick Bills Facility for convenient bills payment
• Up to 9 supplementary cards

American Express Gold Credit Card imageAmerican Express Cashback Credit Card

The American Express Cashback Card lets you earn cashback on all your spending both here and abroad. Earn 1% cashback for local expenses on groceries, shopping, travel, dining, and entertainment. Enjoy double when you use your credit card for the same expenses overseas. For cash emergencies, cash advance is available for up to 30% of your credit limit. To qualify for this card, you must have a minimum monthly income of ₱35,000. The annual fee of ₱3,000 is waived for the first year.

Apply now for your own American Express Cashback Credit Card.

Highlights
• Cashback for both local and overseas expenses charged to your credit card
• Cash advance of up to 30% of your credit limit
• Balance transfer at 13.04% per annum
• Convenient payment options available

Citibank Cashback Credit Card imageCitibank Cashback Credit Card

As much as 6% rebate can be enjoyed when you use Citibank Cashback card to pay for your groceries, and 0.2% rebate for your dining, shopping, gas, and travel expenses. When you pay your Meralco bill with your credit card, you can also receive a 2% rebate. You can pay for big purchases with Citibank’s 0% Installment Payment Plan of up to 24 months, and share your credit card with up to 7 supplementary cardholders. To qualify for this credit card, your minimum monthly income must be ₱20,834. The annual fee of ₱3,500 is waived for the first year. Sign up and apply for a Citibank Cashback credit card today!

Highlights
• Rebates as much as 6% on groceries, and 0.2% on shopping, dining, gas, and travel expenses
• Zero interest installment payment plans of up to 24 months
• Up to 7 supplementary cards for friends and family
• Convenience of paying bills through Citibank Online and Citibank Mobile

Best Entertainment Credit Cards

Whether your passion is music, movies, sports, art, or travel, you need an entertainment credit card that’s perfectly suited to your needs. If you’re looking for the best entertainment credit card in the Philippines, take a look at these three we have listed here.

Metrobank Femme Visa Credit Card imageMetrobank Femme Visa Credit Card

The serious female shopper is what Metrobank had in mind when they launched the Metrobank Femme Visa credit card. For every ₱20 you charge to your card, you earn 1 reward point, which can then be exchanged to redeem exclusive items for cardholders. You can also exchange them for air miles which you can use with Philippine Airlines, Cathay Pacific, or Singapore Airlines. You can share the card with up to 3 supplementary cardholders and assign each card’s spending limit. To qualify for this credit card, the minimum monthly income should be ₱15,000. The annual fee is ₱2,000.

Apply for a Metrobank Femme Visa credit card today!

Highlights
• Exclusive deals, freebies, and discounts for Metrobank Femme Visa cardholders at partner establishments
• Reward points earned for every ₱20 spent on gas, groceries, dining, and travel
• Redeem points earned with air miles from Philippine Airlines, Singapore Airlines, or Cathay Pacific
• Personalize and design your card with your favorite photo

EastWest Bank EveryDay Credit CardEastWest Bank Dolce Vita Titanium Credit Card

Shop with your EastWest Bank Dolce Vita Titanium card and avail of as much as 20% discount at partner establishments. For every ₱100 you spend with your credit card on shopping, gas, or travel, you get to earn 1 Charm. Charms can be exchanged for vouchers which you can use to shop at partner merchants or buy gift certificates with. Wherever you are in the world, you can use this card in over 29 million establishments in 300 countries. The minimum monthly income required for this card is ₱25,000. The annual fee is ₱2,000, which is waived on the first year.

Apply now for the EastWest Bank Dolce Vita Titanium credit card.

Highlights
• Exclusive deals for EastWest Bank Dolce Vita cardholders
• Earn points with every spending of ₱100 on shopping, utilities, gas, or travel
• Cash advance of up to 50% of the credit limit
• Up to 9 supplementary cards for family members

BPI Edge Credit Card imageBPI Edge Credit Card

Shop with your BPI Edge Card at the trendiest shops, dine at the hippest restaurants, party at the coolest clubs, and earn Real Thrills Reward Points with every ₱50 you spend. You also earn reward points when you use your credit card to pay for your utility bills, groceries, and entertainment. The BPI Edge Card also allows you to reload your mobile phone and check your balance at any BPI ATM or thru text message. To be eligible for this card, the minimum monthly income should be ₱15,000. The annual fee is ₱1,320, which is waived for the first year. Apply now for your own BPI Edge credit card!

Highlights
• Enjoy the latest trends, newest establishments, and hippest happenings in and around the Metro
• Accumulate points with every ₱50 spent on dining, shopping, groceries, and entertainment expenses
• Exclusive privileges and promotions available only to cardholders
• Apply up to 6 additional supplementary credit cards

We hope that you find our guide to the best credit cards in Philippines for 2016 useful. If you want to do a more thorough search, you can also view our entire list of available credit cards in the Philippines. Looking through it you can find the one that offers the best rewards program, the highest rebates, and the most exciting deals and discounts both here and abroad. We strongly suggest that you compare important factors such as Annual Percentage Rates, minimum repayment amounts, and annual fees and charges. You just need to shop around and compare them based on your preference. At iMoney, we aim to make it as convenient for you as possible and help you find the right credit card that fits your lifestyle.

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