How to Track and Redeem Your Credit Card Rewards Points Online

Have you ever wondered what happens to the points you earn every time you use your credit card? 🤔

For many first-time credit card users in the Philippines, one of the biggest perks of having a credit card is earning rewards points — but a lot of people don’t know how to track them or redeem them. Whether you want to convert points to cashback, get shopping vouchers, or exchange them for airline miles, understanding how to manage your rewards online will help you maximize your credit card benefits.

In this guide, we’ll walk you through how rewards points work, how to check your balance online, and how to redeem them quickly and safely. We’ll also share tips for maximizing your points and avoiding common mistakes.

What Are Credit Card Rewards Points?

Credit card rewards points are a loyalty benefit offered by banks when you use your credit card for purchases. These points accumulate based on how much you spend and can later be redeemed for freebies, vouchers, miles, or cashback.

How Rewards Points Work

Spend → Every time you use your credit card, you earn points based on your spending.
Earn → For example, some banks give 1 point per ₱30 spent.
Redeem → Once you reach the minimum points requirement, you can redeem them online.

Example:
If you spend ₱3,000 on groceries using your credit card and your bank gives 1 point per ₱30, you’ll earn 100 points. These points can later be used for discounts or rewards.

Why You Should Track Your Rewards Points

Many first-time credit card users forget to track their points, and as a result, they expire unused. By regularly monitoring your rewards:

✅ You maximize your benefits
✅ You never miss promos or exclusive deals
✅ You redeem before points expire
✅ You plan bigger redemptions like free flights or cashback

How to Check Your Credit Card Rewards Points Online

Tracking your points is now easier than ever since most Philippine banks provide online access. Here’s how you can do it:

Step 1: Log in to Your Online Banking Account

Visit your bank’s website or download their mobile app.
Use your registered username and password.

Step 2: Go to the Credit Card Section

Look for a tab like “Credit Card”, “Rewards”, or “Points Balance”.

Step 3: Check Your Points Balance

Your total available points will be displayed.
Some apps also show your redemption history and expiry dates.

Step 4: Enable Notifications (Optional but Recommended)

Activate SMS or email alerts to get updates on new rewards, promos, and point expirations.

How to Redeem Your Credit Card Rewards Points

Once you know how many points you have, you can start redeeming them. Each bank has different redemption methods, but these are the common options:

Option 1: Online Redemption via Mobile App or Website (Most Popular)

Go to the Rewards Section in your bank’s app.
Select the reward you want — vouchers, cashback, miles, etc.
Confirm your redemption.

Option 2: Call Your Bank’s Customer Service

If you’re unsure, you can call your bank’s hotline.
A representative will guide you on available rewards and process the redemption.

Option 3: Automatic Cashback (For Some Cards)

Some credit cards allow automatic cashback redemption once you hit a certain points threshold.

Comparison of Credit Card Rewards Programs in the Philippines

Bank	Sample Card	Points Earning Rate	Redemption Options	Points Expiry	Best For
BDO	BDO Rewards Mastercard	1 point = ₱50 spent	Shopping vouchers, miles, cashback	2 years	Everyday spending & groceries
BPI	BPI Rewards Card	1 point = ₱35 spent	Gift certificates, cashback, miles	3 years	Dining & travel
Metrobank	Metrobank Titanium Mastercard	1 point = ₱20 spent	Travel miles, gadgets, vouchers	No expiry on select cards	Frequent travelers
Security Bank	Security Bank Complete Cashback	5% cashback instead of points	Cashback automatically credited	No expiry	Bill payments & essentials
RCBC	RCBC Bankard Visa Platinum	1 point = ₱36 spent	Travel, gadgets, gift vouchers	2 years	Big-ticket purchases
UnionBank	UnionBank Rewards+ Visa	1 point = ₱30 spent	Cashback, Lazada vouchers, miles	2 years	Online shoppers

💡 Tip: Choose a credit card that matches your lifestyle. For example, if you shop online often, UnionBank or Citi Rewards could give you maximum value. If you travel a lot, Metrobank Titanium or BPI Rewards are better options.

Tips to Maximize Your Rewards Points

If you want to get the most out of your credit card, here are some practical tips:

1. Choose the Right Credit Card

Some cards give higher points for specific spending categories like groceries, fuel, or online shopping.

2. Consolidate Your Spending

If you have multiple credit cards, focus your spending on one card to accumulate points faster.

3. Watch Out for Promos

Banks often have bonus points promos during special seasons — take advantage of these.

4. Avoid Late Payments

If you pay late fees, the value of your rewards might be offset. Always pay on time.

5. Redeem Before Expiry

Always check your points’ expiry dates to avoid losing unused rewards.

Use Our Free Credit Card Cost Calculator

Before you spend more to earn points, make sure you understand the real cost of using a credit card.
Try our Credit Card Cost Calculator to check:

How much you’ll pay in interest
How much you need to pay monthly
How long it’ll take to pay off your balance

This will help you maximize your points without overspending.

Common Issues When Redeeming Rewards Points

Problem	Why It Happens	Solution
Points expired	Did not track expiry dates	Always check expiry details in your app
Minimum redemption not met	Some rewards require a specific number of points	Save up points before redeeming
Delayed posting of points	Purchases take time to reflect	Wait 1–2 billing cycles
Wrong reward selected	Misclick or misunderstanding	Call your bank’s hotline to correct it

TL;DR (Quick Summary)

Credit card rewards points are earned every time you spend.
You can check your points online via your bank’s mobile app or website.
Redeem your points for cashback, vouchers, airline miles, or other perks.
Always track expiry dates and maximize your points through promos and strategic spending.
Use the Credit Card Cost Calculator to manage spending and avoid unnecessary interest.

Frequently Asked Questions (FAQs)

1. Do all credit cards in the Philippines have rewards points?

No, some credit cards focus on cashback or discounts instead of points. Check your bank’s credit card features before applying.

2. How long before my rewards points expire?

Most banks in the Philippines give 2–3 years before points expire, but some premium cards have no-expiry points.

3. Can I transfer my rewards points to another person?

In most cases, no. Rewards points are non-transferable unless stated otherwise by your bank.

4. What is the best way to redeem my credit card rewards points?

Redeeming online via your bank’s app or website is the fastest and easiest method.

5. Can I use my points to pay for my credit card bill?

Some banks allow points-to-cash conversion to offset your statement balance. Check your card’s terms to confirm.

How to Track and Redeem Your Rewards Points Online