If you’re looking for the best credit cards in the Philippines for online shopping, we have rounded up a few in this article that offer great features, privileges, and rewards.
These cards are not only great for online shopping, but for restaurants, travel, and more. For a quick overview, see the table below.
| Credit Card | Key Features |
| Security Bank Rewards Mastercard | Non-expiring Reward Points
1 Reward Point for every 20 PHP spend |
| BDO ShopMore Mastercard | .50 Peso Point for every 200 PHP spend |
| HSBC Red Mastercard | 1 Bonus Point for every 20 PHP spend
4x Bonus Points for overseas purchases |
| Citi Rewards Card | 1 reward point for every 30 PHP retail spend
High credit limit Over 5,000 partner establishments in the Philippines and in the world |
| AUB Easy Mastercard | 1 Reward Point for every 20 PHP spend
Can be linked to PayPal Flexible payments |
Security Bank Rewards Mastercard
With this credit card, you earn rewards for both in-store and online purchases. With every 20 PHP you spend, you earn 1 reward point.
Reward points for this credit card do not expire, so you can go ahead and spend as much as you can and save points for your dream rewards.
Once you have saved up enough points, you can select your rewards from the rewards catalogue and simply download them.
Take your pick from different restaurant vouchers, shopping e-gift certificates, travel tours, and air miles, just to name a few.
With the Security Bank Rewards Mastercard, you also enjoy security whenever you shop online. It comes with the eSecure feature so that whenever you transact online, you get a one-time password or PIN via SMS. This helps you set a limit for your online transactions, as well as protect you from fraudulent or unauthorized transactions.
And because it’s a Mastercard credit card, you can shop with ease and convenience at millions of establishments worldwide (online and offline).
Enjoy exclusive perks and discounts when you dine or shop using your Security Bank Rewards credit card. These include freebies, enjoy buy 1 take 1 offers, and you can also take advantage of big discounts when you dine specifically at partner establishments. It’s important to note however, that some of these partner restaurants will require a minimum spend in order to take advantage of the discount.
It’s not just about discounts – you can also avail of zero interest installment plans when you purchase appliances, electronics, sports equipment, jewelry pieces, furniture pieces, shoes, bags, and more at partner establishments.
Your Security Bank Rewards credit card should be current and active, and you should also be in good credit standing to avail of the zero interest plans.
Get this credit card and enjoy free annual fees on your first year. If you have family members who also love to shop, dine, or travel, you can have up to 5 supplementary cards for them as well.
BDO ShopMore Mastercard
The BDO ShopMore Mastercard offers as much as 10,000 PHP in rebates for both your online and in-store transactions.
You can get as much as a 12% rebate on special promos with a minimum amount of single-receipt purchases on installment, or with a minimum amount of cumulative purchases. Depending on the promotion, single or cumulative purchases can be anywhere from 10,000 PHP worth of retail shopping to as much as 150,000 PHP in travel spending, like flights, hotel accommodations, tours, and travel packages.
If you feel like logging off the internet and getting out of the house, you can also do your shopping at SM Department Stores or SM retail partners to earn rewards and rebates (on select days only).
When you shop in-store at partner merchants, such as the SM Store, Uniqlo, The Body Shop, Forever 21, Innisfree, SportsCentral, Ace Hardware, Pet Express, or Toy Kingdom, you earn 1 point for every 200 PHP spend.
With the BDO ShopMore Mastercard, you earn .50 Peso Point for every 200 PHP spend, both online and offline.
What’s more, you enjoy members-only perks and privileges. As a cardholder, you get exclusive access to private sales and avail of special offers and discounts.
Do you frequently shop on Lazada? You can purchase big-ticket items like cameras, laptops, or smartphones with your BDO ShopMore Mastercard and pay in installments. But only if the items you want to purchase offer installment payments.
You can pay in 3 months or up to 36 months. Just select the BDO installment option when you check out.
When you apply for this credit card, you also receive the SM Advantage Card for free.
HSBC Red Mastercard
When you use your HSBC Red Mastercard for your online and in-store purchases, you earn 4x Bonus Points for every 20 PHP spend.
You also enjoy 4x Bonus Points when you dine at participating restaurants, cafes, and bars in the Philippines.
Cardholders can also avail of the home&Away Privilege Programme for the best offers on shopping, dining, travel, electronics, health, and beauty.
You can pay for big purchases in monthly installments with its Card Balance Conversion option as well.
But unlike other credit cards whose bonus or reward points don’t expire, all earned HSBC Red Mastercard bonus points are valid only up to 3 years.
Citi Rewards Card
With this card, every 30 PHP you spend in stores and online, you earn 1 Reward Point.
There’s no limit to how many points you earn, and they never expire, so keep shopping if you want those points coming!
Earn 3x Reward Points when you use your card for shopping or dining. This is applicable whether you’re using your card in the Philippines or abroad.
If you don’t want to charge your in-store purchases to your card, you can pay for them with your Reward Points in select merchants.
The points that you earn can also be used to redeem merchandise, hotel accommodations, and free flights, and you can easily check everything up for redemption in the online rewards catalogue.
You can also avail of Citi PayLite® Installment Plan for big purchases, or Citi PayLite® After Purchase to convert big purchases into smaller monthly installments.
AUB Easy Mastercard
Every 20 PHP you spend with your AUB Easy Mastercard earns you 1 reward point.
It also comes with SecureCode that offers protection whenever you shop or transact online.
This credit card can also be linked to your PayPal account so that you can pay online merchants that only accept PayPal payments.
Simply log in to your PayPal account, click on the Add Credit Card option, key in the required information, and then confirm your billing address.
Once the credit card is added and verified, you can start shopping or buying online with your AUB Easy Mastercard through PayPal.
What’s great about this card is that any new purchases made after your statement cut-off date are not charged with interest. New transactions made after your latest statement cut-off get one month free of interest,and you will only be billed on your next month’s statement.
You can get a sample illustration of the computation here.
Our Verdict
Picking the best credit card for online spending ultimately depends on you. It should complement your spending habits, address your needs, and reward you appropriately.
If you want to get the most out of your credit card, opt for one that offers non-expiring bonus points so that you can save up for great rewards. This way, you don’t have to buy things that you don’t really need just for the sake of earning points.
It’s also important to choose a credit card that provides an extra layer of protection so that all your transactions are secure, whether online or in-store.
With that said, which of these credit cards appeal to you the most?