Ready for your next adventure?
Planning to celebrate a momentous event with family or travel overseas for an unforgettable holiday experience?
Thinking of rewarding yourself a new gadget or perhaps a refreshing body massage?
Whether you’re swiping your card here or abroad, make sure you get the most of the best credit card promos of 2019.
Learn how you can maximise rewards and perks as cardholders.
And if you’re thinking of getting your new credit card, we compared the annual fees and monthly rates for your reference. Check out what’s in store for you.
| Credit Card | Minimum Income Requirement / EMI | Annual Fee |
| EastWest Practical Mastercard | PHP 120,000 / 3.25% | Principal: PHP1,400.00 Supplementary: PHP700.00 |
| PNB Essentials Mastercard | PHP 150,000 / 3.25% | Principal: PHP1,200.00 Supplementary: PHP0.00 |
| BPI Edge Mastercard | PHP 180,000 / 3.50% | Principal: PHP1,320.00 Supplementary: PHP660.00 |
| BDO Standard Mastercard | PHP 180,000 / 3.50% | Principal: PHP1,500.00 Supplementary: PHP750.00 |
| EastWest Bank Visa/Mastercard Classic | PHP 180,000 / 3.50% | Principal: PHP1,500.00 Supplementary: PHP750.00 |
| Metrobank Classic | PHP 180,000 / 3.54% | Principal: PHP1,500.00 Supplementary: PHP800.00 |
| HSBC Red Mastercard | PHP 200,000 / 3.50% | Principal: PHP1,500.00 Supplementary: PHP750.00 |
| Citibank Rewards | PHP 250,000 / 3.50% | Principal: PHP2,500.00 Supplementary: PHP1,250.00 |
| AUB Classic Master | PHP 252,000 / 3.50% | No annual fees |
| AUB Mastercard Gold | PHP 600,000 / 2.25% | No annual fees |
Welcome gifts: eGifts, freebies, free trips, waived annual fees
New credit card holders, great news for you! Enjoy your welcome gifts like eGifts, rebates, free trips, and waived annual fees if you own any of the following credit cards.
eGifts worth up to P5,000
Citi credit card holders
Apply for any of the Citi cards below from now until June 30, 2019, and claim your welcome gifts, either eGift (eGC) or free round-trip tickets to Japan. It’s available for new customers only. Use your newly-approved credit card within sixty (60) days to meet the required amount spent, either single or accumulated spending.
- Citi Prestige (spend P40,000) – credited as 120,000 points, (2) round trip tickets to Japan
- Citi PremierMiles (P40,000) – credit as 30,000 points, (1) round trip ticket to Japan
- Citi Rewards (P20,000) – eGift of P5,000 Nike Park or Uniqlo
- Citi Cash Back (P20,000) – eGift of P5,000 SM Gift Pass
- Shell Citi (P20,000) – P5,000 rebates
- Mercury Drug Citi (P20,000) – P5,000 rebates
UnionBank credit card holders
If you apply for UnionBank CashBack Gold or Platinum Master Card from now until June 30, 2019, claim your free P2,000 Under Armour eGC. The promo is only available for new principal cardholders.
A single or accumulated spending of P20,000 within the 90 days from card approval date.
BDO credit card holders
For new BDO Visa Classic cardholders issued from March 1 to June 30, 2019, you get a free Soleus or Kenneth Cole Timewear. The promo is available only for first-time customers. The credit card is used within 90 days from card receipt date, or up to September 30, 2019, whichever comes first; the amount spent is either single or accumulated spending.
- P20,000 – (1) Soleus Chicked-US Series Timewear (valued at P2,950)
- P45,000 – (1) Kenneth Cole Timewear (valued at 7,050)
For new cardholders of BDO Visa Platinum, you get free Samsonite luggage when you use your card within the 90 days from card receipt or until September 30, 2019. You must meet the minimum spending, single or accumulated.
- P300,000 or USD 6,000 – (1) medium-sized Samsonite Orfeo Spinner Luggage
- P600,000 or USD 12,000 – 2-piece Samsonite Orfeo Spinner Luggage set
Waived annual fees
HSBC credit card holders
Want to avoid those annual fees? When you apply for an HSBC Red Mastercard via an online channel or www.hsbc.com.ph, enjoy the waived annual fees for life. You have to be a new HSBC card holder and apply during the promo period.
You’ll be saving P1,500 per year for the Red Mastercard. The free annual fee for life can’t be converted to cash. The promo is also available for Gold Cash Back Visa and Platinum Visa credit card applicants.
Apply now online and the promo period is extended until May 31, 2019
AUB credit card holders
Enjoy waived annual fees on the principal and supplementary cards on AUB Master Gold and Platinum Mastercard. You also get one of the lowest interest rates at 2.25% EMI. Cardholders earn 1 point for every PHP20.00 and earn twice (2x) as much rewards points when you use the Gold card overseas, whilst earn (4x) reward points for the Platinum card for transactions outside the Philippines.
Travel and leisure: free travel insurance, air mile conversion, and discounts
Are you a frequent traveller? Choose the right credit card that provides more perks for your travelling needs. Maximise those reward points and air miles and enjoy any of the following:
EastWest credit card holders
If you’re a cardholder of Visa/Mastercard Classic, Visa Platinum or Platinum Mastercard, you get free comprehensive travel accident, travel inconvenience protection up to P20 million if you use your card to book your travel fare. Cardholders can also convert the reward points into air miles once you accumulated the eligible number of points.
HSBC credit card holders
HSBC Red Mastercard also offers reward points to be converted into air miles. Every PHP 20.00 spent is equal to one bonus point, which good give you more accumulated points if you frequently use it.
HSBC Platinum Visa cardholders earn (1) airmile for a minimum spend of P25.00, and you also earn 4x rewards points on your overseas purchases for every P20.00, plus earn 1 point for other purchases.
Metrobank credit card holders
Metrobank Classic card offers reward points to be converted into air miles from aircraft partners such as PAL, Cathay Pacific Airlines, or Singapore Airlines. Every PHP 20.00 is also equal to one rewards point. If you’re a Platinum Visa holder, you get triple rewards when you book local airlines, hotel accommodation and overseas spending. Every P17.00 is equal to (1) point.
Get up to 80% off at Club Wyndham Asia when you avail the holiday packages using your Metrobank credit cards, except for Metrobank Dollar Mastercard. Book now until July 31, 2019. Stay period until December 31st, 2019.
PNB credit card holders
PNB Essentials Mastercard offers free travel insurance for up to 1 million. Your initial redemption of 2,000 points is equivalent to 2,000 Mabuhay miles. However, every PHP 50.00 is accumulated to 1 point.
BPI credit card holders
Book from January 15 to December 31, 2019, for your hotels on your next holiday on Agoda and use BPI eCredit Mastercard, BPI Blue Mastercard, and BPI Gold Mastercard to enjoy up to 7% off. Visit and book via www.agoda.com/bpicards
STAY PERIOD: January 15, 2019 to June 30, 2020
BDO credit card holders
Discover different places and enjoy discounts and freebies when you use your BDO credit cards on hotel bookings. Save up to 50% off on accommodations.
Qualified cards: BDO Mastercard, Visa, JCB, UnionPay and Diners Club Credit Cards, American Express Cards issued by BDO
- Up to 20% off at The Ascott Limited (Promo period: March 1 to May 31, 2019)
- Up to 50% off at Hilton Manila (Promo period: March 20 to June 30, 2019)
- 50% off at Holiday Inn Express Manila (Promo period: February 15 to December 29, 2019)
Dining & shopping: discounts, promo codes and more
Use your credit card to shop, earn more points and get discounts and freebies from your dining and shopping sprees.
BPI credit cards
- Get P600 off with a minimum purchase of P1000 using your BPI credit cards (list of qualified cards) on Food Panda, valid from now until June 30, 2019. Use Code BPIPANDA600
- Get your Chicken Joy meal or bucket if you qualify for BPI Visa credit cards promo. Shop using your Amore Visa, Amore Visa Platinum or Visa Signature and redeem your minimum P3000 single receipt or P25,000 instalment receipt from now until June 22, 2019. Redemption period: Until August 21, 2019, registration via text or email required for the redemption.
- Get your free Shakey’s pizza when you shop using your BPI credit cards and redeem your minimum P3000 single receipt or P25,000 instalment receipt from now until June 22, 2019. Redemption period: Until August 21, 2019, registration via text or email required for the redemption.
Qualified Cards: Blue Mastercard, eCredit Mastercard, Edge Mastercard, Gold Mastercard, Petron-BPI Mastercard, SkyMiles Mastercard, SkyMiles Platinum Mastercard
BDO credit cards
- Get 40% off at The Café, Hyatt Regency Manila City of Dreams from now until May 31, 2019
- 50% off Birthday Treat at Crowne Plaza Manila Galleria from now until December 30, 2019
Qualified cards: BDO Mastercard, Visa, JCB, UnionPay and Diners Club Credit Cards American Express Cards issued by BDO.
RCBC credit cards
Enjoy your KFC free treats when you spend P5,000 for a minimum single-receipt or P25,000 for straight or instalment spend from now until June 25, 2019, with your RCBC Bankard Mastercard. Redemption period until August 31, 2019.
Free Greenwich Treats for RCBC Bankard Visa, with same mechanics above on spending. Spend period is from now until June 20, 2019. Redemption period until August 31, 2019.
Metrobank credit cards
Use your Metrobank Credit card from now until May 15, 2019, and get a FREE JBL Headphone T450 for minimum single-receipt instalment purchase of P35,000, or a Samsung J2 Core Mobile Phone for minimum single-receipt instalment purchase of P70,000 at Abenson stores.
Which of these will you avail? If you have other suggestions, drop them in comments below.