Ready for your next adventure?
Planning to celebrate a milestone with family, or eyeing a long-overdue trip to Japan or Bali? Maybe you’re just tired of paying full price at your favorite restaurants when everyone else at the table seems to be getting a discount.
Whatever your goal, one thing is certain: if you’re going to swipe anyway, you might as well get something back for it.
Welcome to the updated guide to the best credit card promos in the Philippines for 2026.
From waived annual fees and welcome eGCs to dining discounts and travel perks, here’s what’s worth knowing right now.
If you’re still shopping for a new card, we’ve also put together a quick comparison of annual fees and interest rates to help you make a smart choice from the start.
Quick comparison: annual fees and interest rates (2026)
Before diving into the promos, here’s a snapshot of some of the top cards available today. Note that the BSP caps interest on unpaid credit card balances at 3% per month (36% annually), so if a bank is quoting you anything higher than that, something is off.
| Credit card | Minimum annual income | Annual fee | Interest rate |
|---|---|---|---|
| PNB Ze-Lo Mastercard | ₱120,000 | No annual fee | 1.88% / month |
| BPI Rewards Card | ₱180,000 | ₱1,550 / year | 3% / month |
| UnionBank U Visa Platinum | ₱180,000 | Free for life | 3% / month |
| UnionBank Rewards Visa Platinum | ₱180,000 | ₱2,500 | 3% / month |
| Metrobank Titanium Mastercard | ₱180,000 | Free for life (via promo) | 3% / month |
| BPI Amore Cashback Card | ₱180,000 | ₱2,050 / year | 3% / month |
| HSBC Red Mastercard | ₱400,000 | Free for life (via promo) | 3% / month |
| Metrobank Platinum Mastercard | ₱700,000 | ₱5,000 | 3% / month |
| RCBC JCB Platinum | ₱1,000,000 | ₱3,600 | 3% / month |
| RCBC Visa Platinum | ₱1,000,000 | ₱5,000 | 3% / month |
| Metrobank World Mastercard | ₱1,500,000 | ₱6,000 | 3% / month |
If you’re a first-time cardholder or someone who hates paying annual fees on principle, cards with no annual fee for life are still the easiest place to start.
The UnionBank U Visa Platinum and the Metrobank Titanium Mastercard remain two of the strongest options in that lane.
Welcome gifts, eGCs, and fee waivers
New credit card holders, this section is for you. The 2026 promo landscape is still competitive, but the strongest offers now come directly from banks’ own promo pages rather than third-party gift campaigns.
BPI credit cards: Back-to-Back Perks promo
BPI is currently running its Back-to-Back Perks promo, which offers up to ₱18,000 worth of eGCs plus waived annual membership fees when cardholders meet the required spend within the applicable spend period.
For the cards most relevant to everyday users, the current promo structure includes:
- BPI Rewards Card: ₱6,000 welcome eGCs with ₱30,000 spend; yearly spend requirement of ₱180,000 to waive annual fees
- BPI Gold Rewards Card: ₱6,000 welcome eGCs with ₱30,000 spend; yearly spend requirement of ₱180,000 to waive annual fees
- BPI Amore Cashback Card: ₱6,000 welcome eGCs with ₱30,000 spend; yearly spend requirement of ₱180,000 to waive annual fees
- BPI Platinum Rewards Card: ₱12,000 welcome eGCs with ₱60,000 spend; yearly spend requirement of ₱400,000 to waive annual fees
The Petron BPI Card is also included in the same promo with ₱6,000 welcome eGCs for ₱30,000 spend and a yearly spend requirement of ₱180,000 to waive annual fees.
If you want a bank-direct BPI promo that’s easier to defend editorially, this is the one to feature instead of third-party gadget campaigns.
UnionBank cards: no annual fee and cashback picks
Even without a third-party gift promo, the UnionBank U Visa Platinum still stands out because it comes with no annual fees for life, a 10% rebate on interest charges when you pay at least the minimum amount due on time, and no overlimit or late payment fees.
It also keeps the entry bar manageable with a minimum annual income requirement of ₱180,000, which makes it one of the more accessible lifetime-no-annual-fee cards in the market.
The UnionBank Cash Back Visa Platinum is also worth noting if your household spends heavily on essentials, because it offers 6% cashback on grocery purchases.
Metrobank Titanium Mastercard: lifetime free annual fees until June 30, 2026
Here’s a promo that’s still worth moving quickly on. Apply for a Metrobank Titanium Mastercard during the current promo period ending June 30, 2026, and you can qualify for lifetime free annual fees for both the principal card and one supplementary card.
To lock it in, you need to:
- Be a new Metrobank credit cardholder, with no existing or canceled Metrobank card in the last 6 months
- Enroll in the Metrobank Online App within 90 days of card approval
- Spend at least ₱30,000 within 90 days from the card approval date
The Titanium Mastercard also earns 2 reward points for every ₱20 spent on dining, department store purchases, and online shopping, which makes it a strong everyday card even after the promo is secured.
HSBC Red Mastercard: waived annual fee for life via promo
The HSBC Red Mastercard is another card often worth watching for fee-waiver promos. Its base annual fee is ₱2,500, but promo-led waived-for-life offers do show up, which is why it remains a practical card to monitor if you want strong rewards on shopping and dining without paying annual fees long-term.
You’ll typically need a minimum annual income of ₱400,000 to qualify for the card.
Bank of Commerce: no annual fee for life until June 30, 2026
Another option worth considering for those who want to skip the annual fee entirely: Bank of Commerce is running a lifetime fee waiver promo for new cardholders approved until June 30, 2026.
The spend requirement varies by card tier: ₱60,000 for Classic, ₱100,000 for Gold, and ₱150,000 for Platinum. Once you hit the required spend, the annual fee is waived for life.
Travel and leisure
Planning to travel this year? Several Philippine credit cards come with travel benefits that can make your trips more comfortable and less expensive, especially if you regularly charge flights or hotel stays to your card.
BPI Rewards Card: free travel insurance up to ₱2 million
The BPI Rewards Card comes with complimentary travel insurance of up to ₱2 million when you charge your travel fare to the card.
It also earns 1 reward point for every ₱35 spent, and the points do not expire.
RCBC Visa Platinum: air miles, lounge access, and up to ₱5 million in travel insurance
For frequent flyers with the income to match, the RCBC Visa Platinum remains one of the more travel-loaded cards in the market.
Key perks include:
- 1 air mile for every ₱25 spent on international transactions, and ₱48 per mile locally
- Free travel insurance up to ₱5 million
- Complimentary Priority Pass membership
- Up to 100% temporary increase in credit limit during travel periods
The minimum annual income requirement is ₱1,000,000, while the annual fee is ₱5,000.
RCBC JCB Platinum: Marhaba and Skyview lounge access
If you prefer a JCB card, the RCBC JCB Platinum includes free travel insurance up to ₱1 million and complimentary access to Marhaba and Skyview airport lounges.
It earns 1 reward point per ₱25 spent and comes with an annual fee of ₱3,600.
UnionBank travel cards: Miles Plus and Cebu Pacific options
If Cebu Pacific is your airline of choice, UnionBank’s co-branded travel cards are still worth exploring, especially for cardholders who want to turn everyday spend into airline rewards.
The UnionBank Miles Plus lineup is also a useful option for travelers who prefer broader airline flexibility over a single-airline setup.
Dining and shopping
If your idea of a great credit card promo is a restaurant discount on a Friday night or a better cashback rate on your weekly spend, this is where the value becomes more immediately visible.
BPI cards: dining promos and everyday cashback
BPI’s official promotions page continues to feature rotating dining, hotel, and lifestyle offers for BPI and Robinsons Bank cardholders, including restaurant discounts and travel-and-leisure deals across partner merchants.
For everyday value, the BPI Amore Cashback Card remains one of the strongest practical picks. It earns 4% cashback on supermarkets, 1% on drug stores and utilities, and 0.3% on all other local retail spend. Cardholders also get unlimited access to Ayala Malls’ customer and family lounges.
BDO cards: dining discounts at partner restaurants
BDO continues to run one of the busiest dining promo calendars among major issuers, with recurring restaurant offers for different card tiers.
If you dine out often, BDO’s offers page is still worth checking regularly because restaurant partners and discount structures rotate throughout the year.
Metrobank Titanium and premium cards: points and dining perks
The Metrobank Titanium Mastercard earns 2 reward points for every ₱20 spent on dining, department store purchases, and online shopping.
The higher-tier Metrobank cards, such as the Platinum Mastercard and World Mastercard, are also commonly positioned for premium dining and travel perks, making them worth comparing if you have the income to qualify.
UnionBank Rewards Visa Platinum: 3x points on dining and shopping
The UnionBank Rewards Visa Platinum earns 3 reward points for every ₱30 spent on dining and retail spend, both locally and abroad.
Its points are non-expiring and can be redeemed for cash credits, merchandise, or air miles, making it a solid all-around rewards card for frequent spenders.
China Bank Cash Rewards Mastercard: 6% cashback on non-essentials
The China Bank Cash Rewards Mastercard remains a card worth comparing if most of your discretionary spend goes toward lifestyle categories.
It offers up to 6% cashback on non-essential spending categories, which typically include purchases such as dining, clothing, and entertainment.
EastWest Visa Platinum: cashback on select categories
The EastWest Visa Platinum is still marketed as a high-cashback card for selected spending categories, but this is one area where you should review the latest issuer page carefully before publishing a hard number.
Some comparison pages and older references show 8.88%, while current product references may show a lower figure, so it’s safer editorially to describe it as a high-rate cashback card unless you verify the latest percentage directly from EastWest.
Which promo should you go for?
Here’s a quick cheat sheet based on what you’re after:
- Best for zero annual fees forever: UnionBank U Visa Platinum or Metrobank Titanium Mastercard, provided you meet the Metrobank promo conditions
- Best current BPI bank-direct promo: BPI Back-to-Back Perks, which offers welcome eGCs plus annual fee waiver spend targets
- Best for grocery cashback: UnionBank Cash Back Visa Platinum
- Best for supermarket cashback and Ayala Malls perks: BPI Amore Cashback Card
- Best for frequent flyers: RCBC Visa Platinum
- Best for dining rewards: Metrobank Titanium Mastercard or a strong BPI card paired with current BPI dining promos
- Best for everyday rewards: UnionBank Rewards Visa Platinum
One last thing to keep in mind: the BSP’s interest rate cap of 3% per month on unpaid credit card balances is a ceiling, not a reason to carry a balance.
The real promo is always paying your balance in full.
Which of these cards will you be applying for this quarter?