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Getting More Reward Points

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The credit industry in the Philippines is at an all time high. Issuing banks are competing for your attention, and to get noticed, they have come up with different “rewards” schemes that give you everything from free movie tickets to free flights. As a consumer, you can take advantage of this and get more rewards points. Here are some tips:

  1. Choose the rewards card that is most useful to you. If you don’t travel frequently, for example, you have no use for a card that gives you airline miles. Be realistic and examine what kind of points are more practical for your current lifestyle. If you often do groceries, for instance, you may get more out of credit cards that give you extra points when you shop in certain supermarkets like SM or Rustan’s. If you are a bookworm, you may benefit more from a credit card that doubles your points whenever you shop in Fully Booked. If you eat out a lot, get a credit card that gives you free desserts or coffee in your favourite restaurants.
  2. Pay with your card, even if you have cash. If you are disciplined enough to handle your money, then go ahead and charge as much as you can on your card to get more reward points, BUT be sure to pay off the balance in full at the end of the month.

Do you have a friend who wants to make a substantial purchase with cash? Offer to pay for his/her purchase with your card, and he/she can just give you the money. This way, you get rewards for his purchase. Just be sure that you pay off the balance with the cash he gives you, or you’ll incur large interest charges.

3.   Carefully read the rewards system information the issuing bank gives you. You might be surprised at how many points you can earn just by knowing which merchants / shops are affiliated with your credit card company. For instance, you can get more points by simply getting your gas from Petron instead of Shell. You may even get more points if you pay before the due date.

Featured Credit Cards:



  • Avail of FREE Annual fee for the initial year!
  • Spend at least Php180000 per year and get FREE ANNUAL FEE FOR LIFE!
  • Shop, dine and travel anywhere around the world with the BDO MasterCard Gold!
  • Get one point for every Php50 worth of purchase and trades them for a reward you want!
  • Avail of the Dual Currency Billing Option!
  • Leave all your worries and concerns behind with the Travel Accident and Inconvenience Insurance Coverage of up to P5 Million exclusive for BDO Gold Cardholders!
  • Enjoy unlimited discounts and privileges with the BDO MasterCard Gold!
  • Worry no more with BDO’s light and easy installment programs!

MetroBank M Free MasterCard


  • Avail of finance charge rate of just 3.50%
  • Transfer your balance to your new Metrobank M Free MasterCard with just 0.79%
  • Get cash whenever you need it with Php300 or 3%, whichever is higher!

HSBC Classic and Gold Credit Card


  • No worries with your annual fees because the initial year will be for free for both the primary and supplementary card holders.
  • Get 1 Rewards point for every Php10 you make!
  • Pay less as you buy more with HIP!
  • Need assistance at the middle of the night? Relax as HSBC Classic and Gold Credit Card has 24/7 customer service ready to help you with everything you need.



<li><span style="font-size: x-small;">Pay an annual fee of Php1500</span></li>
<li><span style="font-size: x-small;">Transfer your balance with just 1.25% to your new account</span></li>
<li><span style="font-size: x-small;">Avail of cash advance of up to 3.50%&nbsp;&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></li>
<li><span style="font-size: 15px; line-height: 17px;"><span style="font-size: x-small;">Get finance charge of 3.50%</span></span></li>

Featured Articles:


Like majority of things in life, credit cards give us power that we could use to maximize our way of living. We should learn to use it wisely to avoid any hassles in the future.

But what are really the advantages of having a credit card? We, at, did a survey about the merits of having a credit card and you will be surprised at what came out…

It is a lot easier to buy things with a credit card. It gives you purchasing power that can let you buy things without you having to carry huge amounts of cash around.

You get added security if in case something you bought got lost, stolen or damaged. With both your credit Card Company and your credit card statement guaranteeing you made the purchase, you could actually get insurance on whatever you bought.

Having a good credit history not only helps you apply for a new credit card, but also helps you build a solid financial foundation when applying for other things like loans or sometimes even jobs.

Although we should avoid any expenses that is way out of our budget, it is sometimes unavoidable due to emergencies like fire, floods and the like. But the worst thing is it leads to large purchases in huge amounts of money. With a credit card, you can use money with cash advances and worry about paying it later once you’re back on track.

In addition to those, a credit card also presents further benefits like discounts, free air miles and insurances. But you have to remember that credit card companies start making money once you can’t afford paying off your charges!

The benefits of having a credit card are real and are very helpful on the condition that you take into account your spending limits.

Life is made easier with a credit card, but if used unwisely, they become financial break downs for you. If you do decide to get yourself a credit card, keep in mind these following rules:

  • Track all of your purchases.
  • Never spent beyond your budget.
  • Settle your balance at the due date.

Always bear in mind the responsibility of having a credit card. Spend within your budget and use it wisely.