How to Redeem Credit Card Points in the Philippines

Venus Zoleta
·12 min read
Credit Card Points Redemption in the Philippines
Credit Card Points Redemption in the Philippines

Most banks have credit card rewards programs where you can exchange points for exclusive items, like gift certificates, hotel accommodations, air miles, annual fee waivers, and even prepaid load. All these can be redeemed by accumulating credit card points with your purchases.

How Credit Card Reward Points Work

One great advantage of being a credit cardholder is earning reward points. By using your card in partner establishments, you can earn reward points that can be exchanged for gift cards, products, and even flights.

Credit card reward points are incentives that banks offer to frequent card users.

The rewards earn rate, however, differs by card and by the bank. Metrobank, for example, gives 1 point for every PHP 20 charged on a Metrobank credit card. BPI, on the other hand, gives 1 point for every PHP 35 charged to BPI Express Credit Classic, Blue Mastercard, Gold Mastercard, and e-Credit Mastercard.

If you want to know how your credit card rewards program works, this article will give you an idea.

Related: Compare credit cards and find the right one for you

Reminders Before Redeeming Credit Card Points

  • Some banks declare only the primary cardholder as eligible for credit card points. Check with your bank’s policy on earning points and redeeming rewards.

  • Credit card points are non-transferable.

  • The credit card account should be in good standing in order to redeem rewards.

How to Redeem Credit Card Points in the Philippines

Here’s how you can redeem credit card rewards points from the top banks in the Philippines.

1. BPI

Use your BPI credit cards to earn Real Thrills Rewards Points. Earn 1 Real Thrills Rewards Point with every PHP 35 charged to your card.

Which BPI credit cards are eligible for rewards?

Earn rewards points on qualified transactions when you use the following BPI credit cards:

  • Blue Mastercard

  • Gold Mastercard

  • eCredit Mastercard

You can also earn 1 point for every PHP 50 you charge to the following credit cards:

  • Edge Mastercard

  • Corporate Classic

  • Corporate Mastercard

How many credit card points do I need to claim BPI rewards?

There are specific rewards programs for different BPI credit cards. A lot of items and deals are also up for grabs, so it’s okay if you’re not sure how to use your BPI credit card points. But you can check how many reward points are needed for redemption on the BPI Real Thrills page.[1]

What’s my BPI credit card point equivalent to peso?

This will depend on what type of BPI credit card you have. But for the eCredit Mastercard, Gold Mastercard, and BPI Express Credit, every qualified PHP 35 spend is equivalent to 1 point.

How can I redeem my credit card points from BPI?

If you wish to know how to redeem your BPI credit card points, call the BPI 24-hour customer service line at +632-889-10000 to start your rewards redemption process.

Read more: Tuition Fee Promos for Credit Cardholders

2. Citibank

Depending on which Citi credit card you have, you can earn miles, cashback, or reward points.

Which Citi credit cards are eligible for rewards?

The following Citi credit cards qualify for the Citi Rewards Program:

  • Citi Rewards

  • Platinum Mastercard

  • Platinum Visa

  • Citi Classic/Gold Visa

  • Citi Classic/Gold Mastercard

How do I earn credit card points to claim Citi rewards?

Earn 1 point for every PHP 30 you spend. You can also earn twice or thrice the reward points when you use specific Citi credit cards at participating department stores and dining establishments, or when you use your Citi credit card online or abroad.

For more information, refer to the Citi Rewards Card Program Terms and Conditions.[2]

How do I redeem rewards using my Citi credit card?

You can redeem rewards by logging onto your Citi mobile app or Citibank online. Additionally, you may call Citiphone at +632-8995-9999.

Read more:

3. EastWest Bank

If you’re an EastWest Bank credit cardholder, you can earn Limitless Rewards[3] or Infinite Rewards,[4] depending on which card you have.

Which EastWest credit cards are eligible for rewards?

The following EastWest credit cards are eligible to earn rewards points or miles, depending on the type of card.

  • Priority Visa Infinite

  • EastWest Visa and Mastercard

  • DLSAA Mastercard

  • Platinum Mastercard

  • Dolce Vita Titanium Mastercard

  • EastWest Singapore Airlines KrisFlyer World Mastercard

  • EastWest Singapore Airlines KrisFlyer Platinum Mastercard

How many EastWest credit card points do I need to claim rewards?

You can redeem a PHP 200 Limitless Rewards Voucher for 610 Rewards Points. If you have at least 2,000 Infinite Reward Points, you can also redeem 500 Kris Flyer Miles or Asia Miles.

How do I redeem rewards using my EastWest credit card?

You may redeem your rewards points by calling the EastWest Customer Service Hotline at +632-8888-1700 or emailing cards@eastwestbanker.com.

Related: Don’t Miss These EastWest Bank Credit Card Promos

reward points
reward points

4. HSBC

With its robust line of credit cards, HSBC is big on giving its cardholders bonus points for every spend. Depending on which HSBC credit card you have, you can earn bonus points with every PHP 10 or PHP 15 spend. You can also enjoy Accelerated Rewards[5] when you use your HSBC credit card on qualified merchant categories.

Which HSBC credit cards are eligible for rewards?

The following HSBC credit cards earn Bonus Points that you can exchange for different reward items:

  • Classic Visa/Mastercard

  • Premier Mastercard

  • Platinum Visa

  • Gold Mastercard

  • Red Mastercard

  • Advance Visa

How many HSBC credit card points do I need to claim rewards?

The Classic Visa/Mastercard lets you earn 1 Bonus Point for every PHP 10 spend, while the Advance Visa lets you earn 1 Bonus Point for every PHP 20 spend. For the rest of the cards, you earn 1 Bonus Point for every PHP 15 spend.

Visit the HSBC Rewards Catalogue[6] to find out how many points you need and what exciting items you can redeem.

How do I redeem rewards using my HSBC credit card?

Simply accomplish and submit the Online Rewards Redemption Form at the HSBC website to redeem your credit card points.

Read more: HSBC Credit Card Promo: Offers You Should Not Miss

5. Metrobank

From gifts to gadgets and air miles to charitable donations, you can redeem a lot of items with your accumulated Metrobank credit card points.

Which Metrobank credit cards are eligible for rewards?

The following Metrobank credit cards let you earn 1 Point for every PHP 20 spend, plus extra points when you use a specific card on qualified spending categories or at certain establishments.

  • Rewards Plus Visa

  • Toyota Mastercard

  • Titanium Mastercard

  • Femme Signature Visa

  • World Mastercard

  • Peso Platinum Mastercard

The Metrobank Travel Platinum Visa, on the other hand, lets you earn 1 Mile for every PHP 17 spend overseas or on airlines and hotel accommodations.

How many credit card points do I need to claim Metrobank rewards?

Visit the Metrobank Rewards Catalogue[7] to find out how many credit card points you need and to view all rewards on offer by credit card type.

How do I redeem rewards using my Metrobank credit card rewards points?

Chat with @MiaOfMetrobankCard on Facebook Messenger to redeem your rewards instantly.

Just follow the steps below:

  1. Type “Card Services” and hit send, after which you’ll be directed to a secure page.

  2. Enter your 16-digit card number.

  3. Select “Redeem Rewards” and type in your security code.

  4. Click on the item that you want to redeem.

  5. Wait for your eVoucher to be sent via SMS.

You may also send an email to customerservice@metrobankcard.com or call Metrobank Credit Cards Customer Service at +632-88-700-700.

Premium credit cardholders may call +632-88-700-707.

Related reading: 10 Metrobank Credit Card Promos You Shouldn’t Miss

6. RCBC

For RCBC, it’s a pretty big line-up as far as credit cards are concerned. Is your RCBC credit card eligible to earn rewards points? Check out the list here.

Which RCBC credit cards are eligible for rewards?

The following RCBC credit cards earn points that you can exchange for different rewards depending on the type of credit card you have.

Gold and Classic Cards

  • Flex Visa

  • Classic Card

  • Gold Card

  • Flex Gold Visa

Premium Cards

  • Visa Infinite

  • Visa Platinum

  • World Mastercard

  • Black Card Platinum Mastercard

  • Diamond Card Platinum Mastercard

  • JCB Platinum

  • UnionPay Diamond Card

  • YGC Rewards Plus Program

  • Hexagon Club

Co-Branded Cards

  • Landmark Anson’s Mastercard

  • Wilcon Mastercard

  • Mango Mastercard

  • Sta. Lucia Mastercard

  • AirAsia Credit Card

How many RCBC credit card points do I need to claim rewards?

To know more about how RCBC Bankard rewards points work, check out its Rewards Points page.[8] It discusses in detail the points required per credit card to redeem rewards.

How do I redeem rewards using my RCBC credit card?

To redeem your rewards, call the RCBC Bankard Customer Service at +632-8888-1888. You may also send an email to email@service.rcbcbankard.com.

Read more: 12 Exciting RCBC Credit Card Promos to Welcome 2021

credit card rewards
credit card rewards

7. Security Bank

Whether you’re a frequent traveler, die-hard shopper, or first-time credit cardholder, there’s a Security Bank credit card that meets your spending needs and lets you earn points, too.

Which Security Bank credit cards are eligible for rewards?

The following Security Bank credit cards earn points whenever you use them for shopping, dining, or traveling.

  • Mastercard Classic Rewards

  • Gold Rewards Mastercard

  • Platinum Mastercard

  • World Mastercard

How many credit card points do I need to claim Security Bank rewards?

You can check the featured rewards and their corresponding points on Security Bank’s credit cards Rewards page.[9]

How do I redeem rewards using my Security Bank credit card?

Under “Start Redeeming” on the Security Bank Rewards page, click the Enter Store button. Select from the available rewards and hit “Add to Cart.”

8. UnionBank

Finding the right credit card can make spending easier and rewarding, especially if you use your credit card a lot.

Does your Unionbank credit card earn points whenever you spend? Check which cards earn points here.

Which Unionbank credit cards are eligible for rewards?

The following Unionbank credit cards are eligible to receive points which you can exchange for different rewards.

  • Platinum Visa

  • Miles Plus Visa

  • Gold Mastercard

  • Platinum Mastercard

  • Insular Life Classic Visa

  • Insular Life Gold Visa

  • Philippine Academy of Ophthalmology Visa

  • Suy Sing Visa

  • Cebu Parklane International Hotel Visa

  • Burgoo Visa

  • Home Depot Visa

  • The North Face Visa

  • First Life Visa

  • Philippine Medical Association Visa

  • Sacred Heart School Ateneo De Cebu Visa

  • St. Paul College Pasig Visa

How many Unionbank credit card points do I need to claim rewards?

Log in to your Unionbank Online account to view rewards that you can redeem with their corresponding number of points.

How do I redeem rewards using my Unionbank credit card?

Redeeming your Unionbank credit card rewards has been made much easier and simpler. Just log in to your Unionbank Online account to view your available points, browse rewards, and redeem your rewards.

9. AUB

Aside from enjoying flexible payment terms and great shopping and dining deals, you can also earn rewards points with every qualified spend on eligible AUB credit cards.

Which AUB credit cards are eligible for rewards?

The following AUB credit cards earn 1 rewards point for every PHP 50 qualified transaction:

  • Platinum Mastercard

  • Gold Mastercard

  • Classic Mastercard

  • Easy Mastercard

How many AUB credit card points do I need to claim rewards?

The AUB Credit Cards Rewards page[10] states how many points are required to redeem an item.

How do I redeem rewards using my AUB credit card?

You may redeem rewards by calling the AUB Customer Service Hotline at +632-8282-8888 or by filling out the online redemption form on the AUB Online Banking or AUB Mobile App.

10. PNB

There’s quite a number of PNB credit cards, and here are the credit cards that let you earn reward points with your spending.

Which PNB credit cards are eligible for rewards?

The following PNB credit cards let you earn 1 rewards point for every PHP 70 spend. You can exchange your points for Mabuhay Miles or cash credits.

  • Essentials Mastercard

  • Platinum Mastercard

  • Diamond UnionPay

PNB Co-Branded Credit Cards

  • Alturas Visa

  • Alumni Association of Asian Institute of Management Platinum Mastercard

  • Jewelmer Joaillerie Platinum Mastercard

  • Alumni Association of Xavier School (AAXS) Mastercard

  • Ateneo de Zamboanga University (AdZU) Platinum Mastercard

  • De La Salle Zobel Alumni Association (DLSZAA) Platinum Mastercard

  • Immaculate Conception Academy Alumnae Association (ICAAA) Platinum Mastercard

  • The Travel Club Platinum Mastercard

For the following PNB-PAL Mabuhay Miles credit cards, the points conversions are as follows:

  • PNB-PAL Mabuhay Miles World Mastercard: PHP 30 = 1 Point = 1 Mile

  • PNB-PAL Mabuhay Miles Platinum Mastercard: PHP 60 = 1 Point = 1 Mile

  • PNB-PAL Mabuhay Miles NOW Mastercard: PHP 65 = 1 Point = 1 Mile

How many PNB credit card points do I need to claim rewards?

You need a block of 500 reward points to redeem PHP 125 Cash Credits, or a block of 2,000 rewards points to redeem 2,000 Mabuhay Miles.

How do I redeem rewards using my PNB credit card?

Fill out the PNB Credit Card Rewards Redemption Form[11] and email it to PNBCreditCards@pnb.com.ph.

Final Thoughts

An exciting credit card rewards program entices Filipinos to apply for a credit card. But keep in mind that getting these rewards is just a bonus. To manage your credit card spending, find the right credit card that can help you maximize its features. Compare credit cards with Moneymax today!

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