Best Rewards Credit Cards
We have collected the top rewards credit cards for 2020 to give you the best rewarding experience that suits your lifestyle. Whether it is shopping perks, non-expiring points, unlimited rebates, or exclusive freebies, there's a reward card for your needs. If you are still not sure what to get, check these cards and apply online now.
For those who love rewards, take a look at these list of cards and pick your choice to make the most out of your spending.
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
Bank of Commerce Cash Installment Card
- With an option to pay at a low monthly effective interest rate
- Cash Loan Re-availment
- Interest Rate (monthly)3.50%
- Annual Fee1,200 PHP
Bank of Commerce Mastercard Classic
- Earn 5x rewards point when you use your card for dining and shopping at selected establishments
- Every PHP25.00 spend is equivalent to 1 point
- Interest Rate (monthly)3.25%
- Annual Fee1,200 PHP
Bank of Commerce Mastercard Gold
- Every PHP25.00 spend is equivalent to 1 point
- With Annual Membership Fee Waiver
- Interest Rate (monthly)3.25%
- Annual Fee2,500 PHP
- Interest Rate (monthly)2.95%
- Annual Fee0 PHP
EastWest Bank Visa/Mastercard Classic
- FREE Comprehensive Travel Accident & Inconvenience Insurance up to PHP20M
- Cash advance up to 50% of your credit limit
- Interest Rate (monthly)3.50%
- Annual Fee1,500 PHP
EastWest Bank Visa/Mastercard Gold
- FREE Comprehensive Travel Accident & Inconvenience Insurance up to PHP20M
- Cash advance up to 50% of your credit limit
- Interest Rate (monthly)3.50%
- Annual Fee2,500 PHP
EastWest Dolce Vita Titanium Mastercard
- Cash advance up to 50% of your credit limit
- Avail of low interest balance transfer
- Interest Rate (monthly)3.50%
- Annual Fee2,000 PHP
EastWest EveryDay Titanium Mastercard
- Get 5% rebate on your gas, drugstore & supermarket purchases
- Cash advance up to 70% of your credit limit
- Interest Rate (monthly)3.50%
- Annual Fee2,800 PHP
- Interest Rate (monthly)2.75%
- Annual Fee0 PHP
EastWest Practical Mastercard
- Cash advance up to 50% of your credit limit
- Avail of low interest balance transfer
- Interest Rate (monthly)3.25%
- Annual Fee1,400 PHP
EastWest Singapore Airlines KrisFlyer Platinum Mastercard
- High Cash Advance Limit
- FREE Annual Fee for Life for your first Supplementary
- Interest Rate (monthly)3.50%
- Annual Fee4,000 PHP
- Interest Rate (monthly)3.50%
- Annual Fee2,750 PHP
HSBC Gold Visa Cash Back Credit Card
- FREE Annual Fee for Life Promo
- 5% Cashback on dining transactions
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
Maybank Manchester United Credit Card
- Get FREE P1,000 Planet Sports Gift Certificate when you apply and get approved
- Get up to 20% discount on various Maybank Partners
- Interest Rate (monthly)3.25%
- Annual Fee2,000 PHP
Maybank Mastercard Gold
- FREE annual fee for the first year
- Pay in local currency when you use your card abroad
- Interest Rate (monthly)3.25%
- Annual Fee2,000 PHP
Maybank Mastercard Platinum
- FREE Annual fee for the first year
- Pay in local currency when you use your card abroad
- Interest Rate (monthly)3.00%
- Annual Fee3,000 PHP
Maybank Mastercard Standard
- Pay in local currency when you use your card abroad
- EMV-compliant chip cards help prevent fraudulent transactions
- Interest Rate (monthly)3.50%
- Annual Fee1,000 PHP
Maybank Visa Classic
- Pay in local currency when you use your card abroad
- FREE annual fee for the first year
- Interest Rate (monthly)3.50%
- Annual Fee1,000 PHP
Maybank Visa Gold
- Pay in local currency when you use your card abroad
- Get Instant cash all over the world of upto 30% of your credit limit
- Interest Rate (monthly)3.25%
- Annual Fee2,000 PHP
Maybank Visa Platinum
- Get Instant cash all over the world of upto 30% of your credit limit
- Pay in local currency when you use your card abroad
- Interest Rate (monthly)3.00%
- Annual Fee3,000 PHP
Metrobank Femme Signature
- Earn rewards points for every PHP20.00 = 1 point
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- Interest Rate (monthly)3.50%
- Annual Fee5,000 PHP
Metrobank Femme Visa
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- Enjoy exclusive privileges when you use your Metrobank Femme Visa at various establishments.Â
- Interest Rate (monthly)3.50%
- Annual Fee2,000 PHP
- Interest Rate (monthly)3.50%
- Annual Fee0 PHP
Metrobank M Lite Mastercard
- Lowest interest rate of up to 2.78%
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- Interest Rate (monthly)2.49%
- Annual Fee1,500 PHP
Metrobank ON Internet Mastercard
- Earn rewards points for every PHP20.00 = 1 point
- With a secure online shopping one time password
- Interest Rate (monthly)3.50%
- Annual Fee500 PHP
Metrobank Peso Platinum Mastercard
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- FREE 1st supplementary card
- Interest Rate (monthly)3.50%
- Annual Fee5,000 PHP
Metrobank Toyota Mastercard
- Enjoy 10% discount on all Toyota dealers (applies to genuine accessories, parts and labor)
- Earn rewards points for every PHP20.00 = 1 point, 2x points at your preferred Toyota dealers
- Interest Rate (monthly)3.50%
- Annual Fee2,500 PHP
Metrobank Travel Platinum Visa
- Triple rewards on local airlines, hotel accomodation and international spending
- Unlimited airport lounge access
- Interest Rate (monthly)3.50%
- Annual Fee5,000 PHP
PNB Alumni Association of Asian Institute of Management
- Enjoy free travel insurance of up to PHP3M
- Earn a point for spending PHP50.00
- Interest Rate (monthly)2.50%
- Annual Fee0 PHP
PNB Alumni Association of Xavier School Mastercard
- Enjoy free travel insurance of up to PHP3M
- Earn a point for spending PHP50.00
- Interest Rate (monthly)3.25%
- Annual Fee0 PHP
PNB De la Salle Zobel Alumni Association Mastercard
- Pay your children's tuition on installment at low interest rates
- Enjoy free travel insurance of up to PHP3M
- Interest Rate (monthly)3.25%
- Annual Fee2,500 PHP
PNB Diamond UnionPay
- 0% interest on installment and choose your preferred payments
- Redeem your points for cash credits anytime. PHP50.00 is equal to 1 point and 4 points are equal to PHP1.00.
- Interest Rate (monthly)3.25%
- Annual Fee3,000 PHP
PNB Essentials Mastercard
- Redeem your points for cash credits anytime. PHP50.00 is equal to 1 point and 4 points are equal to PHP1.00.
- Enjoy free travel insurance of up to PHP1M
- Interest Rate (monthly)3.25%
- Annual Fee1,200 PHP
PNB Immaculate Conception Academy Alumnae Association Mastercard
- Enjoy free travel insurance of up to PHP3M
- 0% interest on installment and choose your preferred payments
- Interest Rate (monthly)3.25%
- Annual Fee0 PHP
PNB Jewelmer Joaillerie Mastercard
- 20% discount on your birthday month at Jewelmer Joaillerie and loyalty gifts for accumulated transactions
- Earn 1 point for spending PHP40.00 at Jewelmer Joaillerie
- Interest Rate (monthly)3.25%
- Annual Fee2,500 PHP
PNB Platinum Mastercard
- Enjoy free travel insurance of up to PHP3M
- Redeem your points for Cash Credits anytime. PHP50.00 is equal to 1 point and 4 points are equal to PHP1.00.
- Interest Rate (monthly)3.25%
- Annual Fee2,500 PHP
PNB Visa Classic
- Enjoy free travel insurance of up to PHP1M
- 0% interest on installment and choose your preferred payments
- Interest Rate (monthly)3.25%
- Annual Fee300 PHP
PNB Visa Gold
- Enjoy free travel insurance of up to PHP1M
- 0% interest on installment and choose your preferred payments
- Interest Rate (monthly)3.25%
- Annual Fee600 PHP
RCBC Bankard Black Card Platinum Mastercard
- FREE annual membership fee up to 5 supplementary cards
- Travel Insurance up to PHP1M
- Interest Rate (monthly)3.50%
- Annual Fee3,600 PHP
RCBC Bankard Classic Card
- FREE accident, inconvenience & medical insurance of more than PHP500,000.00 for local travel and PHP1M for international travel
- Pay in peso when you charge in various currencies abroad
- Interest Rate (monthly)3.50%
- Annual Fee1,500 PHP
RCBC Bankard Diamond Card Platinum Mastercard
- Earn rewards point for every spend of PHP50.00 = 1 point
- FREE annual fee for the first year
- Interest Rate (monthly)3.50%
- Annual Fee2,500 PHP
RCBC Bankard Fully Booked Mastercard
- 10% rebate at Fully Booked, Bibliarchand sketch books when you charge a minimum of PHP20,000.00, 0.50% rebate on out store spending.
- 0% installment plan of up to 12 months
- Interest Rate (monthly)3.50%
- Annual Fee1,500 PHP
RCBC Bankard Gold Card
- FREE Travel Accident Insurance PHP500,000.00 local, PHP1,000,000.00 international
- FREE annual fee for the first year
- Interest Rate (monthly)3.50%
- Annual Fee3,000 PHP
RCBC Bankard Landmark Anson's Mastercard
- Earn rewards points for every spending of PHP50.00 = 1 point
- Enjoy 5% rebate on Landmark department stores
- Interest Rate (monthly)3.50%
- Annual Fee960 PHP
RCBC Bankard LJC Mastercard
- Earn reward points for every spend of PHP100.00 = 1 point
- Get a free bottle of wine as a welcome gift
- Interest Rate (monthly)3.50%
- Annual Fee960 PHP
RCBC Bankard Mango Mastercard
- Earn rewards points for every spending of PHP125.00 = 1 point
- 0% installment plan of up to 12 months
- Interest Rate (monthly)3.50%
- Annual Fee1,200 PHP
RCBC Bankard Sta. Lucia Mall Mastercard
- Earn rewards points for every spending of PHP100.00 = 1 point
- 0% installment plan of up to 12 months
- Interest Rate (monthly)3.50%
- Annual Fee1,200 PHP
RCBC Bankard Visa Infinite Card
- Earn rewards points for every spend of PHP36.00 = 1 point
- Waived Annual Fee for the first 9 supplementary
- Interest Rate (monthly)3.50%
- Annual Fee3,600 PHP
RCBC Bankard Wilcon Mastercard
- Earn rewards points for every spending of PHP200.00 = 1 point
- Earn 3x rewards points for your purchases at Wilcon
- Interest Rate (monthly)3.50%
- Annual Fee1,200 PHP
Security Bank Complete Cashback
- Earn Non-expiring Reward points P20=1 point
- Waived Annual Fee for the first year
- Interest Rate (monthly)3.50%
- Annual Fee3,000 PHP
Security Bank Mastercard Classic
- Earn non-expiring rewards points PHP20.00 = 1 point
- Set your own limit when shopping online
- Interest Rate (monthly)3.50%
- Annual Fee2,000 PHP
Security Bank Mastercard Gold
- Earn non-expiring rewards points PHP20.00 = 1 point
- Waived annual fee for the first year
- Interest Rate (monthly)3.50%
- Annual Fee2,500 PHP
- Interest Rate (monthly)3.25%
- Annual Fee4,000 PHP