Best Credit and Debit Cards for Online Shopping in the Philippines
Juliah 18 Mar 2025 07:39EN

Online shopping in the Philippines has been a trend nowadays; it has become a major part of our everyday lives. Because of the increased internet access and smartphone usage, buying online has become so easy and productive for everyone, with platforms like Shopee, Lazada, Zalora, Shopify, Shein, TikTok Shop, and many more dominating all over the internet.
But by using the right payment method, specifically debit and credit cards, you can have cashback rewards, discounts, and also installment plans
In this article, we will explore the best credit and debit cards for online shopping in the Philippines; it can help you decide which one suits your needs.
Credit Cards vs. Debit Cards

Before choosing a card that you think is suitable for you, it is important to understand the difference between credit and debit cards:
Best Credit Cards for Online Shopping in the Philippines

If you always shop online and want extra perks, credit cards can offer cashback and installment options.
Here are the top credit cards for online shopping in the Philippines:
1. BPI Amore Cashback Card
This card is best for cashback; it lets you earn a cashback for every Php1,000.00 local spend, both in-store or online. You can earn 4% on supermarkets, 1% on drug stores and utilities, and 0.3% on everything else.It has no annual fee for the first year, and every transaction is secured with OTP verification.
2. Metrobank Titanium Mastercard
This card is best for rewards and installment; it has no annual fees with a minimum of Php180,000 annual spend for new cardholders until March 31, 2025. You can enjoy 1 never-expiring point for every Php20.00 spent and 2x points on online, department store, and dining transactions.3. Citi Rewards Card
This card can help you earn points on every purchase that you make; you can earn 1 rewards point per 30.00 pesos, and it has flexible points redemption like shopping or travel. It allows you to accumulate Citi ThankYou Points, which can be converted into miles, earned through online and offline shopping.
4. Security Bank Click Visa
This card is best for online security and convenience; it is designed for consistent and frequent online shoppers; you will receive a real-time SMS alert for every transaction that you make; and it has high fraud protection with Visa's Verified by Visa system. You can earn 1 rewards point for every 20.00 pesos you spend on the card, and it has no expiration.
5. HSBC Red Mastercard
This card is best for online shopping promos and discounts; you can earn up to 4x rewards points on your online shopping; it has exclusive deals and discounts with its partner merchants; and it also has an extra layer of security, including OTP verification. You can earn 1 bonus point for every 20.00 pesos spent. You can exchange your bonus points for gift certificates, air miles, and many more.Best Debit Cards for Online Shopping in the Philippines

For those who want to spend only what they have, debit cards offer a secure and convenient way to go online without worrying about their credit limits. Here are some of the best debit cards for online shopping in the Philippines.
1. BPI Debit Mastercard
This card is best for everyday online transactions that you make; it is one of the most well-known brands in the global payment system, especially in the Philippines, and it can be connected to both debit and credit cards. You can secure your payments with OTP verification. Can also be used for subscriptions like Netflix, Spotify, ShopeePay, and many more.2. UnionBank EON Visa Debit Card
It is a debit card that allows users to earn Go Rewards points for every purchase made using Visa and Bancnet; it can be redeemed at various partner establishments. You can earn 1 Go Reward Point for every Php400 spent. Deposits are insured by PDIC up to Php1,000,000 per depositor. This works like a prepaid card and is ideal for controlled spending; it is also accepted on global e-commerce platforms like Amazon and eBay.3. GCash Mastercard
This debit card is best for e-wallet users who love to shop online; it is linked to your GCash balance for easy top-ups, and it can be used for Shopee, Lazada, and food delivery apps. It is widely accepted by local and international merchants.4. Paymaya Visa/Mastercard
This is best for virtual card payments because it offers both virtual and physical cards, no bank account is required, and has extra security features like an OTP verification for every transaction.5. CIMB Visa Debit Card
This debit card is best for online banking and seamless transactions, linked to all of CIMB's digital savings accounts. It has no annual fees and can be used for international online purchases.Some tips that can make your online transactions secure:
1. Enable your OTP (One-time Password) for added protection
2. Only shop on your trusted websites; always check the https and verified sellers.
3. Please avoid using public Wi-Fi when making online transactions.
4. Always check and monitor your transaction history.
5. Set your spending limits on your cards for you to prevent unauthorized charges.
Conclusion:

Choosing the best credit card or debit card for your online shopping depends on our everyday needs; credit cards offer rewards, cashback, and installment plans, while debit cards provide a more controlled spending experience.
For frequent online shoppers, a credit card like BPI Amore Cashback or Metrobank Titanium Mastercard may be ideal.
For budget-conscious buyers: A debit card like GCash Mastercard or BPI Debit Mastercard offers safe and easy transactions.
Whatever your choice is, always prioritize your security for every transaction. It is your responsibility to be responsible for every online transaction that you make.

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