Co-Branded Credit Cards for Shopping in Philippines – Updated October 2023

If you are someone with loyalty to particular shops or brands then it might be beneficial for you to get a co-branded credit card. Getting co-branded credit cards for shopping in the Philippines would open a lot of opportunities to save money by getting discounts, freebies, and more with your favorite stores.

More often than not, using co-branded credit cards for shopping with their partner merchant could also help you earn points faster.

Reward points are often redeemable or convertible to a variety of rewards such as cashback, miles, rebates, and other reward items.

If you’re wondering what a co-branded credit card is, it is a credit card that is in partnership with a consumer goods or service retailer, and the credit card issues and network.

There are lots of variety of co-branded credit cards in the Philippines and for this article, I will be listing consumer goods and services partnered credit cards only.

I will not be including airline or frequent flyer programs partnered credit cards as I have written a separate post about it (Click here if you want to see the list of travel credit cards in the Philippines).

If you are thinking of getting a credit card, check out my list of co-branded credit cards for shopping available in the Philippines

Note to Readers: Please be advised that the information written here is valid as of the time of writing but may have been updated by the time you see/read this post. Please refer to the linked Philippine bank’s webpages to get the updated details. If the links are not working by the time you see the article, please go to the bank’s homepage.

Co-branded Credit Cards for Shopping

BPI Amore Visa card and Visa Platinum card

BPI Amore is a credit card by BPI in partnership with Ayala Malls. There are two variants available, the regular Visa card and the Visa Platinum card. Both BPI Amore Visa card variants let you earn shopping rebates when you spend at your favorite shops, restaurants, and establishments at Ayala Malls.

Both Amore Visa Card and the Amore Platinum Visa card have a maximum of P15,000 rebates per calendar year. But of course, the Platinum variant will entail the holder more benefits to enjoy. The annual fee and the income requirement also vary. Please refer below for information on the annual fees and income requirements.

BPI Amore Cashback Benefits:

• Earn cash back for every P1,000 spend with an annual cap of P15,000.
  • 4% on supermarkets
  • 1% on drug stores and utilities
  • 0.3% cashback on everything else

• Unlimited access to Ayala Mall’s customer and family lounges
• Up to 24 months installment terms with fashion and retail partner merchants

BPI Amore Platinum Cashback Benefits:

• Earn cash back for every P1,000 spend with an annual cap of P15,000.
  • 4% on restaurants
  • 1% on supermarkets, department stores, and other shopping stores
  • 0.3% cashback on everything else

• Unlimited access to Ayala Mall’s customer and family lounges
• Up to 24 months installment terms with fashion and retail partner merchants
• 5% Discount on your movie tickets purchase at Ayala Cinemas
• Complimentary parking ticket at select Ayala Malls (for new cardholders)
• Enjoy one of the lowest forex conversion rates of just 1.85%.

Terms and conditions do apply so always check the details as it gets updated every now and then.

Click here if you want more information about the BPI Amore Visa card

Click here if you want more information about the BPI Amore Platinum Visa card

Related Post: BPI Amore Visa Credit Card Review

BDO Bench Mastercard

Bench is a local Philippines brand that is famous all over the country and even to the Filipino communities in various parts of the world. Everyone I know has and continually shops at Bench due to its amazing design and affordable choices of garments and accessories. If you and your family frequently buy at Bench and their partners’ stores, then check this card out.

Benefits:

• Bench Stylish Mondays (“Benefit”) 20% discount (“Offer”) every Monday is exclusive to Bench Mastercard (“Card”) Principal and Supplementary Cardholders (“Cardholders”) who will use their Card to shop at Bench, Partner Global Brands, Suyen Food Brands, and Bench Online Stores every Monday until October 30, 2023.
• Buy from over 20,000 stores nationwide and pay later at 0% interest.
• Earn 4x Peso Points for every ₱1,000 spend at Bench and Partner Global Brand Stores. (Terms and Conditions do apply).
• Free Annual Fee for the first year
• First Supplementary card free for life

Click here if you want more information about BDO Bench Mastercard

BDO Shop More Mastercard

Although this card does not look strictly like the other co-branded credit card, bearing its partner’s name, it gives you a lot of benefits when you shop at SM.

Benefits:

• Free SM Advantage Card
• Buy from over 20,000 stores nationwide and pay later at 0% interest.
• Earn 2 Peso Points for every P1000 spend, loaded automatically to the FREE SMAC that came with your Card.
• Free Annual Fee for the first year

Click here if you want more information about the BDO ShopMore Mastercard

 

RCBC Bankard Landmark Anson’s Mastercard

If you and your family frequently shop at Landmark Department Store, Landmark Supermarket, and Anson’s, then you should consider getting this card.

Benefits:

• Get a 5% Rebate on your Landmark Department Store, Landmark Supermarket, and Anson’s straight purchases every Monday to Friday (Terms and conditions apply).
• Earn Rewards points for all your purchases outside Landmark and Anson’s
• Redeem your Rewards Points and exchange them for Landmark Gift Certificates or credit to your RCBC Bankard account.
• Enjoy amazing Travel Privileges when you travel abroad– Travel Plus Lite Insurance, Purchase Protection, and Access to the PAGSS Lounge in Terminal 1 & 3 (for a fee).

Click here if you want more information about the RCBC Bankard Landmark Anson’s Mastercard

RCBC Bankard Mango Mastercard

Mango is one of the famous clothing retail shops in the Philippines. If you often buy at Mango then consider getting this card.

Benefits:

• Exclusive access to MANGO VIP Sale events
• Avail 0% installment at 3 and 6 months at MANGO, MANGO Man, and MANGO Kids
• Priority access to next season’s catalog offers and first-hand advice on the latest hot offers
• Earn non-expiring Rewards points from all your purchases which you can exchange for Shopping Vouchers at Mango
• International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection, and Access to the PAGSS Lounge in Terminal 1 & 3 (for a fee).

Click here if you want more information about the RCBC Bankard Mango Mastercard

RCBC Bankard ZALORA Credit Card

ZALORA is one of the main online shopping websites for people who are looking for trendy and fashionable clothes and accessories in the Philippines. And if you shop a lot on ZALORA, then you might want to consider getting this credit card.

Benefits:

• Free P5000 Shopping Credits as your welcome gift when you spend at least ₱30,000, single or accumulated, within 60 days from card delivery.
• Unlimited Free Shipping via ZNOW for 1 Year
• Free Virtual Card for Safe Shopping
• Up to 6% discount on cashback ZALORA and up to 2% on other online purchases
• You can earn Rewards Points for as low as ₱50 card spend anywhere, including groceries, gas, travel, dining, and even utility bill payments.
• You can also convert your Rewards Points to ZALORA Cashback or AIRMILES for free travel, use them to pay for your annual membership fee, or as a donation to any of RCBC’s partner organizations.
• VIP access to ZALORA’s exclusive sales, events, and brand launches.
• International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection, and Access to the PAGSS Lounge in Terminal 1 & 3.

Click here if you want more information about the RCBC Bankard Zalora Credit Card

 

Unionbank Home Depot Visa Card

Home Depot specializes in housing-related items where you can find almost everything you need to build or renovate your home. If you’re a homeowner or if you own rental properties then you might want to consider getting this card.

Benefits:

• 0% interest on 3 and 6-month installment terms for Home Builder Superstore items (nails, paint, tools, locks, bathroom fixtures, etc.)
• 0% interest on 3, 6, 9, 12, 15, 18, 21, and 24-month installment terms for Home Interior Superstore items (chairs, tables, sofas, entertainment centers, etc.)
• Avail of regular installments from 3 to 36 months if your preferred monthly terms or preferred product category is not covered in 1 and 2.
• Get 1 reward point for every P20 spend on your card anywhere.
• Redeem for Home Depot gift certificates, gas, dining, and shopping gift certificates.
• Get a free P500 Home Depot gift certificate which you can use to shop at any Home Depot store without any minimum spend requirement (Valid only if annual fee is paid).

Click here if you want more information about the Unionbank Home Depot Visa Card

Unionbank The Northface Visa Card

For those who love traveling and the outdoors and for those who frequently buy their equipment, gear, and specialized clothing at The Northface, this card is for you.

Benefits:

• 5% discount when you shop in The North Face, The Travel Club, and R.O.X. stores
• 30% discount on fees and priority registration in TNF-initiated events (example: TNF100, Thrill of the Trail, Great Camp Out, etc.)
• First-year annual fee is waived
• Free The North Face premium item for every P10,000 accumulated purchase in TNF stores within 3 consecutive months with your TNF Credit Card. To redeem, simply submit your accumulated receipts to any TNF store
• Free The Travel Club (TTC) premium item for every P10,000 accumulated purchase in TTC stores within 3 consecutive months with your TNF Credit Card. To redeem, simply submit your accumulated receipts to the following TTC stores: TTC Trinoma, TTC Rockwell, and TTC Alabang Town Center
• 20% discount on all regular-priced TNF items on your birth month. Please refer to the claiming instructions on the birthday postcard that will be mailed to you.
• 0% interest for 3 and 6-month installment terms on all regular-priced TNF items. The minimum transaction amount is P3,000.
• 0.99% monthly add-on interest rate on 12 or 18-month installment terms on your purchases and start to pay your first monthly amortization only after 3 months. The minimum transaction amount is P3,000.
• Earn one (1) Rewards Point for every P20 spend on your card in all establishments.
• Redeem your Rewards Points for FREE GCs in P500 and P1,000 denominations for use in any of  The North Face branches Please note that the offers are not in conjunction with the other promos or discounts.

Click here if you want more information about the Unionbank The Northface Visa Card

 

Mercury Drug Citi Card

For those who frequently buy at Mercury Drug Stores, you might want to consider getting this card because of the benefits that you could enjoy by having it.

Benefits:

• Earn 1 point for every P200 spend anywhere (except drugstores other than Mercury Drug).
• Get 5x points on up to P320,000 spend at Mercury Drug every month. Otherwise, you can still enjoy a 1x point.
• Get 3x points on health, beauty, and wellness spend including clinics, spas, gyms, salons, and ALL hospitals.
• Get 3x points on foreign currency spend.
• Enjoy ambulance service worth PHP 10,000 within Metro Manila once a year

Click here if you want to apply and if you want more information about the Mercury Drug Citi Card and other Citi credit cards

Co-branded Credit Cards for Dining

Unionbank Racks Visa Card

Racks restaurant is known for its delicious ribs and if you frequently dine in at Racks then check this card out.

Benefits:

• Enjoy a FREE Classic Caesar Salad when you use your Racks VISA Card for the first time with a minimum purchase of P800 at any Racks branch
• Free MAC and Cheese (large) for every P500 food purchase
• Free Memphis Pound Cake for every P1,000 food purchase
• Free Carbonara (single) for every P1,500 food purchase
• Come celebrate your birth month at any Racks restaurant where you’ll get a free Apple Pie A la Mode for dessert.
• Earn 1 point for every P20 you spend with your Racks Visa Card.
• Redeem your points for free dining vouchers at Racks.

Click here if you want more information about the Unionbank Racks Visa Card

 

Unionbank Burgoo Visa Card

Burgoo American Bar and Restaurant provides awesome casual dining experiences for everyone. If you love American dishes then Burgoo is one of the best places to go to. If you frequently take your friends and family to Burgoo then consider getting this card.

Benefits:

• Get a free appetizer when you use your Burgoo Visa card for the first time at any Burgoo branch. Just present the voucher upon ordering along with your Burgoo Visa Card to claim your welcome treat.
• 15% for dining transactions P300 to P5,000 and 10% for dining transactions beyond P5,000. Please note that this is not valid in conjunction with other promos and split bills are not allowed
• Earn 1 point for every P20 you spend with your Burgoo Visa Card.
• Redeem your points for free dining vouchers at Burgoo.
• 0% interest for 3 months installment on your party packages
• Get as much as a 20%* discount when you dine at Burgoo, Eat&Go, and Gumbo using your Burgoo Visa Card. Just present the birthday voucher which will be mailed to you along with your Burgoo Visa card upon ordering. Please note that this is also not valid in conjunction with other promos and terms and conditions do apply.

Click here if you want more information about the Unionbank Burgoo Visa Card

Co-branded Credit Cards for Auto and Transport

Citi Grab Credit Card

If you use Grab for your daily commute then you might want to consider getting this card. A lot of people nowadays, prefer to commute instead of owning a car because of a variety of reasons but primarily because of the cost of car ownership. Grab bridged the gap in the market by offering a comfortable commuting solution to everyone.

Benefits:

• Get a Grab Platinum Upgrade for the first 6 months. You can get upgraded within 15 business days from card approval.
• Avail of P2,000 worth of Grab Vouchers, just cash in P1,000 to your GrabPay wallet using your new Citi Grab credit card. Vouchers split among GrabCar Premium, GrabFood, GrabExpress, and GrabAssistant will be credited to your Grab account within 15 business days from cashing in.
• Receive P2,000 worth of Grab vouchers every year on your card anniversary when you spend P120,000 in 12 months
• Get P2,500 Grabpay credits if you’re a new Citi cardholder. You just have to spend at least P10,000 within 60 calendar days from card receipt to qualify for this offer. The qualified cardholder’s Grab app account needs to be verified for the gift to be successfully awarded.
• Just complete the credit card application and receive 50 GrabRewards points and get it within 15 business days in your Grab app
• 5x points on Grab spend of up to P10,000 per month
• 3x points on dining, online subscriptions, and entertainment
• Earn 1 Citi Point for every P30 spend

Click here if you want to apply and if you want to learn more information about the Citi Grab Credit Card and other Citi credit cards

Hyundai Mastercard issue by Eastwest

Another auto-co-branded credit card that will give you fuel rebates and more is the Hyundai Mastercard issued by Eastwest. If you own a car bought at an authorized Hyundai dealership, then you might want to check this card out.

Benefits:

• 5% rebate on fuel purchases at any gasoline station nationwide
• 0.5% rebate on other retail purchases at any merchant worldwide
• Enjoy 10% discount on Preventive Maintenance Services (PMS) parts & labor and selected accessories when you use your Hyundai Mastercard at any authorized Hyundai dealership. Please note that this cannot be used in conjunction with other promos and government-mandated regulations. Also, the amount paid through Hyundai Vouchers shall no longer be entitled to a 10% discount.
• New to bank principal cardholders can get Php1,000 worth of Hyundai Gift Vouchers which you may use at any authorized Hyundai dealership.

Click here if you want more information about the Hyundai Mastercard issued by Eastwest

Metrobank Card Toyota Mastercard

Toyota is definitely one of the most famous car brands in the Philippines. If you own one, then consider getting a Metrobank Card Toyota Mastercard.

Benefits:

• Get a 10% discount on genuine accessories, parts, and labor at all Toyota dealers.
• Earn double rewards points for every P20 spend at your preferred Toyota dealer.
• Enjoy a 3% fuel rebate every time you gas up at over 500 participating Petron Stations nationwide.
• 24/7 Roadside Assistance
• Earn 1 point for every Php20.00 that you spend using your Toyota Mastercard. Points can be redeemed for premium items or Airmiles.

Click here if you want more information about the Metrobank Card Toyota Mastercard

Co-branded Credit Cards for Fuel

Shell Citi Card

Please note that there’s a rebate cap of P10,000 for the Shell Citi Gold Card and P15,000 for the Shell Citi Platinum Card every calendar year. If you meet the above cap anytime within a calendar year, you will no longer earn rebates, and will only begin earning rebates again for your purchases in the next calendar year.

The 5% rebate will be applied if you use your Shell Citi Card for an Outstore spend of at least P10,000 per billing statement. Otherwise, you can still enjoy a 3% rebate on Shell fuel purchases. Outstore purchases are transactions outside of Shell fuel, outside of Auto Sweep RFID and Easytrip tollway load from accredited tollways, and outside of goods and services from card service and auto supply shops.

Additional benefits vary between the Gold and the Platinum cards. Click on the link before to see details.

Click here to learn more about Shell Citi Card and other Citi Credit Cards.

Petron-BPI Mastercard

If you frequently gas up at Petron, then BPI might be the one that you’re looking for. Aside from the free annual membership fee in the first year, you can also get a free P200 worth of fuel from Petron when you receive your card.

Please note that you can only get a maximum of P15,000.00 rebates per calendar year and to avoid confusion, please remember that the rebates are credited on the next month’s billing statement from the date of transaction.

Benefits:

• Get up to a 3% rebate on Fuel at participating Petron stations (Max of P15,000 Annually)
• The annual fee for 1st supplementary card is free for life

Click here to learn more about Petron-BPI Mastercard

Phoenix RCBC Bankard Mastercard

This would probably be the most generous card among the listed cards. There are so many benefits aside from the fuel rebate that you can get.

However, Phoenix gas stations may not be as plenty compared to Shell and Petron as of the time of writing, but they will definitely grow more in the future.

As a welcome gift, you will get Php500 worth of Phoenix Fuel to be credited to your Phoenix RCBC Bankard Mastercard for a minimum fuel spend of Php2,000 at participating Phoenix Fuel Stations nationwide within 75 days from the card issuance date.

Benefits:

• 5% fuel rebate on Phoenix Fuel purchases at participating Phoenix Fuel Stations nationwide
• Up to three (3) Free Towing and Emergency Assistance per year
• Free Accident Insurance through Assist & Assistance Concept (A & A Concept)
• Earn flexible, non-expiring Rewards points from all your purchases which you can exchange for AIRMILES, Shopping Vouchers, or Cash Credit to your RCBC Bankard
• International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection
• Access to the PAGSS Lounge in Terminal 1 & 3 (with a fee).

Click here to learn more about Phoenix RCBC Bankard Mastercard

Before You Sign Up for a Co-branded Credit Card in the Philippines

1. As I have mentioned above, please be aware that the information you see here might not be updated by the time you see this post. information such as promotions, terms and conditions, fees and interest rates, etc, often gets updated by credit card providers so be sure to check with them before you sign up.
2. Please read the Terms and Conditions, Fees, and Interest table before you decide.
3. Links to the credit cards are provided but they might be updated in the future. If the links here are not working, please go to the credit card providers’ respective websites.

Note: Updated October 27, 2023

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Do you own any of these co-branded credit cards in the Philippines? I’d love to hear your thoughts and recommendations. Thanks!