Co-Branded Credit Cards for Shopping in Philippines

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.

Most 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.

The difference between the benefits of the regular Amore Visa Card and the Amore Platinum Visa card is that the regular Visa card has a maximum of P15,000 rebates per calendar year. While the Visa Platinum card has a maximum of P25,000 rebates per calendar year. The annual fee and the income requirement also varies. Please refer to the table for information on the annual fees and income requirements.

Benefits:

1% Rebate for purchases at Supermarkets, Drug Stores, Bookstores, Department & Specialty Retail Stores, Health & Personal Care, Electronics & Household Appliances, Home Furnishing & Improvements, Leisure & Sports, Schools, School & Office Supplies, Services & Utilities
4% Rebate at Restaurants
3% Rebate for purchases at Accessories, Clothing, Leather Goods, Shoes
5% discount on your Ayala Malls Cinemas movie ticket
Express lane at Ayala Malls Cinemas ticket counter
Unlimited access to Ayala Malls’ customer and family lounges
Discounts and freebies in participating Ayala Malls merchants
Invitations to special events and promotions
Reserved seats to mall shows on a first-come, first-served basis

Please take note that to ensure the automatic earning of rebates, the transaction must be swiped using a BPI POS Terminal.

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 Forever 21 Mastercard

If you buy a lot of your clothes from Forever 21 then you might consider getting this BDO Forever 21 Mastercard to enjoy its benefits.

Benefits:

10% Discount for every P3000 minimum spend on regular-priced items
8% Birth Month Cash Rebate for P 10,000 cumulative spend anywhere for at least P3,000 spend per transaction
Earn Triple Credit Card Points when you shop at Forever 21 here and abroad (Terms and conditions apply)
Priority access to events, sale payments, and dressing room lanes
Free Annual Fee for the first year

Click here if you want more information about the BDO Forever 21 Mastercard

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:

Get a 20% discount when you shop every Monday in any Bench/Partner Global Brand like Aldo, American Eagle Outfitters, Charles & Keith, Cotton On, Karen Millen, La Senza, Mothercare, Pedro, Vero Moda, and many more every Monday for a minimum spend (See Terms and conditions).
Enjoy a 10% discount for purchases made at the BENCH & Free State Online Stores for a minimum spend of P1.500.
You can earn 2x credit card points for purchases made at any Bench/Partner Global Brand nationwide & 1 credit card point for all other purchases. Your purchases should be made at affiliated Bench/Partner Global Brand and swiped using a BDO terminal will earn double credit card points.
0% Installment options in 3 & 6 months terms in any Bench/Partner Global Brand
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
Earn 0.50 Peso Point for every P200 spend anywhere. You can use this Peso Point to pay for purchases at all SM Advantage partner establishments.
Get up to P10,000 worth of rebates on select days when you shop at The SM Store, participating SM Retail Affiliates, and partner retail brands (Terms and conditions apply).
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 Skyview Airport Lounge
Free Annual Fee for the first year

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

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RCBC Bankard Wilcon Mastercard

Wilcon specializes in selling building materials, home interior, furniture, and home appliances. If you are a home-owner or if you own various apartments that you lease out then you might benefit a lot from getting this card.

Benefits:

Earn 3X rewards points for all purchases at Wilcon
Separate Installment Limit for Installment and Regular purchases. Your Installment Limit will be equivalent to your regular credit limit.
Avail of 0% Easyterms Installment on selected items at Wilcon at 3, 6, 9, and 12 installment terms for a minimum purchase of Php3,000
Special Buys at all Wilcon stores
International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection, and Access to the Skyview Airport Lounge
Free Annual Fee for the first year

Click here if you want to know more about RCBC Bankard Wilcon 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 Skyview Airport Lounge
Free Annual Fee for the first year

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

RCBC Bankard Sta. Lucia Mastercard

Sta. Lucia Malls may not be as popular as SM but in the East of Manila, it’s one of the popular malls in town. If you live near the Rizal-Pasig-Marikina area and if you frequently shop at Sta. Lucia than in any other shopping mall, then consider getting this card.

Benefits:

Earn 1 Rewards point for every Php100 purchase at Sta. Lucia Mall Department Store, Home Gallery, and Planet Toys and earn as much as 5X Rewards points for purchases of at least Php10,000
0.5% Rebate for all retail transactions
1% year-round discount and members-only priority lane at Sta. Lucia Supermarket
FREE Movie Pass at Sta. Lucia Mall for a minimum purchase of Php3,000 at any of the participating stores at Sta. Lucia Mall
Exclusive members-only advance sale events
International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection and Access to the Skyview Airport Lounge

Click here if you want more information about the RCBC Bankard Sta. Lucia Mastercard

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 installment 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.

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.)
Have your first-year annual fee waived
Get a FREE The North Face (TNF) ID Lace worth P200. Simply present the TNF ID Lace voucher inserted in your welcome kit to any of The North Face branches.
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 then you might want to consider getting this card because of the benefits that you could enjoy by having it.

Benefits:

Get P5,000 cash credits to be credits as 5,000 points if you’re a new Citi cardholder. This is a promotional offer and you have to apply for a Mercury Drug Citi Card from now until July 31, 2020. To be qualified for the promotion, you have to spend at least P20,000 within 60 days from the card receipt.
Earn 1 point for every P200 spend anywhere (except drugstores other than Mercury Drug).
Get 5x points on up to P320,000 spend in 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 24/7 ambulance service worth P10,000 within Metro Manila once a year.
Enjoy FREE Annual Physical Exam until June 30, 2020.

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

RCBC Bankard LJC Mastercard

If you love to eat out and if you frequently go to LJC restaurants such as – Abe, Bistro Remedios, Cafe Adriatico, Cafe Adriatico Express, Cafe Havana, Fely J’s Kitchen, Larry’s Cafe Bar, Lorenzo’s Way, Abe’s Farm, and Polka Dot Bakeshop then consider getting this card.

Benefits:

10% Discount every time you dine at any LJC restaurant
Free bottle of wine as a welcome gift
Up to 50% Birthday discount on birthday month
Free Dining Gift Certificate on your card’s anniversary date
Earn non-expiring Rewards points from all your purchases which you can exchange for AIRMILES, Cash Credit to your RCBC Bankard, or Dining Vouchers that you can use at any LJC Restaurant.
International Travel Privileges – Travel Plus Lite Insurance, Purchase Protection and Access to the Skyview Airport Lounge

Click here if you want to know more about the RCBC Bankard LJC Mastercard

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 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 AmericanBar 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.

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

Co-branded Credit Cards for Auto and Transport

BDO LausAutoGroup Mastercard

If you have a car and most especially if you have bought it from one of the car dealers of Laus Group of Companies, then consider getting this card.

Benefits:

Enjoy 10 Peso points conversion for every P200 spend on fuel purchases nationwide. Please note that Peso points accumulation has a monthly rebate cap of P750 or P9,000 per year.
Avail of 10% discount on ALL LausAutoGroup dealership parts and services every time you use your card.
Take advantage of installment payment options of up to 12 months for Corporate Guarantee & Insurance Company (CGIC) insurance premiums.
Free Annual Fee for the first year
First Supplementary card free for life

Click here if you want to know more about the BDO LausAutoGroup Mastercard

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.
Enjoy prioritized booking on your Grab rides with a dedicated platinum customer hotline
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.
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.
Just complete the credit card application and receive 50 GrabRewards points and get it within 15 business days in your Grab app
10x points on Grab spend of up to P10,000 per month, until June 30, 2020
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
Exclusive 10% discount at all authorized Hyundai dealerships. Please note that this cannot be used in conjunction with other promos and government-mandated regulations. And 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.
Enjoy 24/7 roadside, medical or travel assistance offered through your One Hyundai Family (OHF) Membership Card. Please note that this benefit is subject to Hyundai Asia Resources, Inc. (HARI) approval.

Please note that rebates may be redeemed as Hyundai Vouchers which you may use to avail products or services at any authorized Hyundai dealership or exchange for gift certificates at Rustan’s Department Store. You can also use rebates to get annual membership fee waivers or cash credits.

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 Petro 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.
Free Annual Fee for the first year

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

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Co-branded Credit Cards for Fuel

Shell Citi Card

For those who frequently gas up with Shell then this card is for you. As a welcome offer, newly approved credit card owners who get approved on or before July 31, 2020 will get P5,000 Shell rebates if you meet the spend requirement of at least P20,000 within 60 days from card receipt.

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.

Benefits:

Up to 5% rebate on Shell Fuel purchases.
Get up to 5% rebate on Auto Sweep RFID and Easy Trip tollway load purchases
You can get up to a 5% rebate on auto repairs, accessories, and services nationwide

Minimum Income Requirement:

P180,000 per year if you have another credit card
P250,000 per year if you have no credit card

Annual Membership Fee:

P2,500 for Gold
P2,800 for Platinum

Click here to learn more about Shell Citi Card

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 on 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 date of transaction.

Benefits:

Get up to 3% rebate on Fuel at participating Petron stations
Annual fee for 1st supplementary card is free for life

Minimum Income Requirement:

P180,000

Annual Membership Fee:

P1,500

Click here to learn more about Petron-BPI Mastercard

Phoenix RCBC Bankard Mastercard

This would probably be the most generous card amongst 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 it will definitely grow more in the future.

As a welcome gift, you will get a 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 card issuance date. The first year’s annual membership fee is also free.

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 Skyview Airport Lounge

Minimum Income Requirement:

Please contact RCBC as it is not specified on their website.

Annual Membership Fee:

P150/Month

Click here to learn more about Phoenix RCBC Bankard Mastercard

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

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 signup.
Please read the Terms and Conditions, Fees, and Interest table before you decide.
Links to the credit cards are provided but it might be updated in the future. If links here are not working, please go to the credit card providers’ respective websites.