BPI Gold Rewards Card
| Annual Fee | ₱2,250/year |
| Minimum Annual Income | ₱480,000 |
| Interest Rate | 3% |
Card Details
- Use your BPI Gold Rewards Card to shop, dine, and travel for a more rewarding experience. Discover lots of discounts and freebies via the Oh My Deals! App.
- Rack up points from purchases you make anywhere in the world, whether online or in-store. Every Php 35 spend earns you 1 BPI Rewards Point.
- View, track, and redeem your points in real-time through the Vybe app.
- Stretch your payment terms up to 36 months as you enjoy Real 0% Special Installment Plan (S.I.P), Buy Now Pay Later, and additional installment limit with Bonus Madness Limit
- Always use your card abroad to enjoy one of the lowest foreign transaction service fees of just 1.85%.
- Be insured for fee whenever you travel for up to Php 10 million when you book your flights using your card.
BPI Gold Rewards Card
BPI Platinum Rewards Mastercard
| Annual Fee | ₱4,000 (free for the first year) |
| Minimum monthly income requirement | ₱83,333 |
| Interest Rate | 3% |
Card Details
- Easily earn and redeem rewards. Whether you’re shopping, dining, or traveling, earn rewards points for GCs, miles, and more with BPI Rewards Cards.
- Use your BPI Platinum Rewards Card to shop, dine, and travel for a more rewarding experience. Discover lots of discounts and freebies via the Oh My Deals! App.
- Earn two (2) BPI Rewards Points for every Php 30 local spend or for every Php20 foreign currency spent at merchants outside the Philippines, whether in-store or online.
- View, track, and redeem your points in real time through the Vybe app.
- Enjoy 0% installment on airline tickets for up to 6 months, all year round, when you book your airfare using your card.
- Enjoy convenient travel and access airport lounges worldwide with a complimentary Priority Pass membership and get up to 4 free lounge passes yearly, subject to required spend.
- Be insured for free whenever you travel for up to Php 10 million when you book your flights using your card.
- Mastercard’s Purchase Protection Insurance guards your purchases against theft and accidental damage for up to 180 days
- Enjoy priority land at 24-hour BPI Conta t Cetner and 24/7 assistance with Mastercard Travel & Lifestyle services. Plus, get access to exclusive offers with Mastercard Moments.
- Redeem your accummulated, non-expiring point for shopping credits, shopping eGCs, dining eGCs or miles, and more.
- Convert your credit limit to cash and pay it in installments up to 36 months.
- You can also avail of Cash Advance and withdraw up to 100% of your available credit limit.
BPI Platinum Rewards Mastercard
EastWest Gold Mastercard
| Annual Fee | ₱ 2,500 per year |
| Min. Annual Income | ₱ 480,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 reward point for every ₱100 spend
- Have peace of mind when you travel with its free Travel Accident and – Inconvenience Insurance coverage
- Use your EastWest Gold Mastercard or Visa anywhere in the Philippines and the world
- Enjoy a wide array of privileges when you shop, dine, and travel
- Ideal for: cardholders who put a premium on luxury and rewards
EastWest Gold Mastercard
EastWest Platinum Mastercard
| Annual Fee | Free |
| Min. Annual Income | ₱ 1,800,000 |
| Interest Rate | 3% |
Card Details
- Get lifetime free membership for your principal and supplementary cards
- Comes with a free EastWest Platinum Virtual Card that you can use when you shop online for added security
- Travel worry-free with its free Travel Accident & Inconvenience Insurance coverage
- Access VIP lounges at different airports with your Free Priority Pass membership
- Ideal for: people who love to travel and appreciate the finer things in life
EastWest Platinum Mastercard
EastWest Dolce Vita Titanium Mastercard
| Annual Fee | ₱ 2,000 per year |
| Min. Annual Income | ₱ 300,000 |
| Interest Rate | 3% |
Card Details
- Shop, dine, and unwind with exclusive deals and discounts from your favorite establishments
- Avail of special perks and privileges at different beauty, health, and wellness merchants
- Earn 1 Charm with every ₱100 you charge to your EastWest Dolce Vita Titanium Mastercard
- Accumulate Charms to redeem rewards and vouchers
- Ideal for: cardholders who frequently make lifestyle purchases
EastWest Dolce Vita Titanium Mastercard
Security Bank World Mastercard
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 3,000,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Waived annual fee on the first year.
- Earn 3x points for every ₱20 spend.
- Membership to more than 1,000 lounges in over 500 airports worldwide.
- Free travel insurance coverage up to ₱10 million.
- Dining, spa, and retail offers from select exclusive airport merchants.
- Ideal for: travel aficionados who want more travel perks.
Security Bank World Mastercard
Security Bank Gold Mastercard
| Annual Fee | ₱ 2,500 per year |
| Min. Annual Income | ₱ 360,000 |
| Interest Rate | 3% |
Card Details
- Free annual fee for the first year
- Earn one (1) reward point for every ₱20 spend
- Secure online shopping with SecureCode
- Enjoy exclusive rewards and promos all year round
- Ideal for: reward seekers and frequent online shoppers
Security Bank Gold Mastercard
Metrobank Platinum Mastercard®
| Annual Fee | Free |
| Min. Annual Income | ₱ 700,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱400,000.
- Earn 1 reward point for every ₱20 spend
- Up to 50% off on premium dining offers
- eCommerce purchase protection up to $200
- No annual fee for your first supplementary card
- Ideal for: premium dining perk seekers
Metrobank Platinum Mastercard®
Metrobank World Mastercard®
| Annual Fee | Free |
| Min. Annual Income | ₱ 1,500,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱800,000.
- Get 2x reward points for international purchases
- Earn 1 reward point for every ₱20 spend
- Enjoy up to 50% off on luxury dining deals
- Ideal for: frequent travelers and premium perk seekers
Metrobank World Mastercard®
More ways to user your credit card
Earning Cash Back or Points on Purchases
Rewards cards offer cash back, points, or miles for every dollar spent on everyday purchases like groceries, gas, dining, or online shopping. These can be redeemed for statement credits, gift cards, or travel rewards.
Sign-Up Bonuses
Many rewards cards offer attractive sign-up bonuses when you meet a certain spending threshold within the first few months. These bonuses can be a great way to quickly accumulate points or cash back.
Travel Benefits
Some rewards cards offer travel-specific perks, like points that can be redeemed for flights, hotels, or vacation packages. Many also come with additional benefits, like airport lounge access, no foreign transaction fees, and travel insurance.
Enhanced Rewards Categories
Many rewards cards offer higher earning rates in specific categories, such as 3x points on dining, 2x points on travel, or 5% cash back on rotating quarterly categories. This encourages users to make purchases in those categories to maximize rewards.
Redemption Flexibility
Points or cash back from rewards cards can often be used in various ways, such as for shopping, paying down credit card balances, or transferring to airline or hotel partners for travel bookings. This flexibility makes the rewards more valuable depending on how you prefer to redeem them.
Get rewards credit card from 3 simple process
Applying for a rewards credit card is a simple process that can be broken down into three easy steps:
Research for Ideal Rewards Credit Card
Submit an application
Approval and activation
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Top credit card questions
A rewards credit card offers benefits such as points, miles, or cash back for every dollar spent. These rewards can be redeemed for travel, merchandise, statement credits, or other perks.
The main types include cash back cards, travel rewards cards, and points-based cards. Each offers different ways to earn and redeem rewards based on your spending preferences.
Many rewards credit cards have annual fees, though some offer no-fee options. Higher-fee cards often come with enhanced benefits like bonus rewards categories, travel perks, and sign-up bonuses.
Yes, most rewards cards allow you to earn rewards on all purchases. However, some cards offer bonus rewards in specific categories like dining, travel, or groceries.
To maximize rewards, focus on using your rewards card for purchases in bonus categories, pay attention to quarterly rotating categories, and take advantage of sign-up bonuses and special promotions.
Rewards are earned based on your spending. You typically earn points, miles, or cash back for every purchase made. Some cards offer higher rewards in specific categories, like dining, travel, or groceries.
Redemption options vary by card but commonly include cash back, travel bookings, gift cards, or merchandise. Some cards allow transferring rewards to airline or hotel partners for better value.
A sign-up bonus is a one-time reward offered when you meet a specific spending threshold within the first few months of opening the card. This could be in the form of points, miles, or cash back.
Some rewards may have expiration dates, blackout periods, or specific redemption requirements. Be sure to review your card’s terms to avoid losing rewards.
Yes, you can avoid paying interest by paying your credit card balance in full each month. Carrying a balance can negate the value of the rewards due to interest charges.