The Best Rewards Credit Cards are here

These rewards credit cards give you the most rewarding experience every time you use them.

Best Rewards Credit Card

Rewards Credit Cards

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.

  • Annual fee
    ₱1,200
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • 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
    • With Annual Membership Fee Waiver
    Get a quote Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • Every PHP25.00 spend is equivalent to 1 point
    • With Annual Membership Fee Waiver
    • Earn 5x rewards point when you use your card for dining and shopping at selected establishments
    Get a quote Card details
  • Annual fee
    Free
    Interest
    2% a month
    Minimum income
    ₱1,200,000 a year
    • Every PHP25.00 spend is equivalent to 1 point
    • Waived Annual Fee
    • Earn 5x rewards point when you use your card for dining and shopping at selected establishments
    Get a quote Card details
  • Annual fee
    ₱5,000
    Interest
    2% a month
    Minimum income
    ₱504,000 a year
    • Enjoy cashback on shopping, travel, insurance and all other spend
    • Earn 5% cash back on shopping transactions, including online
    • Earn 5% cash back on essential travel spend
    Apply with HSBC Card details
  • Annual fee
    ₱2,500
    Interest
    2% a month
    Minimum income
    ₱216,000 a year
    • Get 4x bonus points on online, dining, shopping, and overseas spend
    • Redeem items, GCs, and air miles with your bonus points
    Apply with HSBC Card details
  • Annual fee
    ₱5,000
    Interest
    3.5% a month
    Minimum income
    ₱646,153 a year
    • Earn rewards points for every PHP20 = 1 point
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    • You can personalize your card with your favorite photo
    Get a quote Card details
  • Annual fee
    ₱5,000
    Interest
    3.5% a month
    Minimum income
    ₱646,153 a year
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    • FREE 1st supplementary card
    Get a quote Card details
  • Annual fee
    ₱2,500
    Interest
    3.5% a month
    Minimum income
    ₱323,076 a year
    • Easrn 2x rewards points on dining, department store and online spend
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    Get a quote Card details
  • Annual fee
    ₱2,500
    Interest
    3.5% a month
    Minimum income
    ₱323,076 a year
    • Easrn 2x rewards points on dining, department store and online spend
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    Get a quote Card details
  • Annual fee
    ₱2,500
    Interest
    3.5% a month
    Minimum income
    ₱166,153 a year
    • 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
    • Enjoy 3% fuel rebate at any participating Petron outlet
    Get a quote Card details
  • Annual fee
    ₱5,000
    Interest
    3.5% a month
    Minimum income
    ₱700,000 a year
    • Triple rewards on local airlines, hotel accomodation and international spending
    • Unlimited airport lounge access
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    Get a quote Card details
  • Annual fee
    ₱6,000
    Interest
    3.5% a month
    Minimum income
    ₱3,692,307 a year
    • With embedded CHIP CARD that protects you from credit card fraud due to cloning
    • Earn rewards points for every PHP20 spend = 1 point
    • Get automatic purchase protection coverage of up to PHP250,000
    Get a quote Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱360,000 a year
    • Earn 1 Go Rewards point for every PHP 200 spent
    • Earn 1 Go Rewards point for every PHP 100 spent in Cebu Pacific
    • Exclusive access to Go Rewards and Cebu Pacific sale events
    Apply with UnionBank Card details
  • Annual fee
    ₱5,000
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • Earn 1 Go Rewards point for every PHP 200 spent
    • Earn 1 Go Rewards point for every PHP 100 spent in Cebu Pacific
    • Exclusive access to Go Rewards and Cebu Pacific sale events
    Apply with UnionBank Card details
  • Annual fee
    ₱2,500
    Interest
    2% a month
    Minimum income
    ₱360,000 a year
    • Worldwide Acceptance
    • Car Secure Auto-Insurance Plan
    • Bill Manager Auto-Charge facility
    Apply with UnionBank Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱360,000 a year
    • Worldwide Acceptance
    • Car Secure Auto-Insurance Plan
    • Bill Manager Auto-Charge facility
    Apply with UnionBank Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • Earn for every spending of PHP25.00 = 1 Miles+ rewards point
    • Pay your travel expenses by redeeming your rewards points
    • Travel Insurance
    Apply with UnionBank Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • 0% installment terms up to 36 months
    • Worldwide Acceptance
    • Car Secure Auto-Insurance Plan
    Apply with UnionBank Card details
  • Annual fee
    ₱3,000
    Interest
    2% a month
    Minimum income
    ₱600,000 a year
    • Car Secure Auto-Insurance Plan
    • Bill Manager Auto-Charge facility
    • Numerous Payment Channels
    Apply with UnionBank Card details
  • Annual fee
    ₱1,500
    Interest
    2% a month
    Minimum income
    ₱360,000 a year
    • Worldwide Acceptance
    • Car Secure Auto-Insurance Plan
    • Bill Manager Auto-Charge facility
    Apply with UnionBank Card details

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Frequently asked questions

Why should I pick a rewards credit card?

There are many types of credit cards available for every lifestyle. It can be quite a challenge to pin down which one is right for you. One way you can make it easy is to know what you need a credit card for.

If you need a credit card for general use and if you want to get a chance to earn more points than most credit cards then a rewards credit card might be for you.

What's the main advantage of having a rewards credit card?

Rewards credit cards supercharge your rewards earning capability to take advantage of your spending. These rewards can be redeemed as points that you can use for in exchange for airmiles, loyalty points, rebates, discounts, deals, and cash backs.