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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:

LJC Credit Card


  • Monthly membership fee of Php80 and P60 for the extension
  • Get year round discounts
  • Avail of birthday discounts and enjoy fine dining all with RCBC Bankard LJC credit card

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!



  • Pay for just Php2500 annual for your membership card
  • Get cash advance service fee of Php300 or 6%, whichever is higher!
  • Enjoy 53 interest free days and just 3.50% finance charge
  • Transfer your balance with just 1.25%
  • Convert your rewards point with FREE miles!



  • 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!

Featured Articles:

Featured Article 5

Ever thought of getting a credit card but don’t know where to start? For majority of cardholders we know, credit cards are terrific tools that certainly have very great advantages.

We at have surveyed many customers and here is what came out…

Its very handy payment. That’s the big thing, right? You don’t have to worry about being robbed or something because you don’t have that big cash with you. Even if you’re just making small purchases, it’s a big help. Plus, the fact that we are in the on-line shopping age, it’s a total must have.

On the spot loans. When you’re short of cash, a credit card will be there to save you from the embarrassment of not being able to pay as it will help you make up for your purchase. To avoid any fees, just pay your balance in full.

You have no idea as to where you’re spending your money? People have the tendency to say they don’t know where half of their money went. With a credit card, you can easily track your purchases on your monthly payments. So if you think your wife spent too much for the month, check on your bill, who knows, it might even be you…

It’s easier to pay off. It’s easy to pay credit card bills. All you have to do is find an ATM with your checking or an easy account transfer. Good news is you don’t have to wait a month to pay it off. And guess what, some even lets cardholders pay their bills ONLINE. So say goodbye long lines; Hello to convenience!

You get rewards.

Every time you make transactions you earn point or “rewards” that you can exchange for either gift checks, vouchers, exclusive items or maybe the cash back system. We’re not saying that you use your credit card non-stop to avail of these, but as a matter of fact, it is a nice bonus.

Very exclusive deals. How would you spell exclusive? Its “c-r-e-d-i-t-c-a-r-d”. Why? Because you get a lot of high class services that are only available for those people who hold the cards. Sometimes its discounts on products, dining and traveling first class. Remember the times when you really wanted to buy something and you were able to buy it because of the discount my credit card was able to give me.

We can go on and on with these, but nothing is really important than learning it by experience. Everything has its ups and downs. It’s up to you, as the card holder, to become responsible in how you manage your money. Look into the bigger picture of how credit cards make life easier and who knows you might just even love it. Just be responsible and a word of advice, pay your dues on time, all the time…