Top Credit Cards for Lazada, Shopee, and E-commerce Discounts (Philippines 2025)

TL;DR (Summary)

If you shop often on Lazada, Shopee, and other e-commerce platforms, the right credit card can help you save money through discounts, cashback, and rewards points. This guide lists the best credit cards in the Philippines for online shopping in 2025, explains their perks, and shares tips for first-time credit card users.

📌 Introduction: Why Get a Credit Card for Online Shopping?

Online shopping in the Philippines is booming — especially on Lazada, Shopee, Zalora, and TikTok Shop. But did you know that using the right credit card can help you save up to ₱5,000+ per year through:

Exclusive Lazada & Shopee discounts 🎁
Cashback on every purchase 💸
Free shipping promos & vouchers 🚚
Rewards points you can redeem for shopping credits

For first-time credit card users, this guide will help you understand:

How e-commerce credit cards work
Which banks offer the best perks for online shoppers
How to choose the right card based on your shopping habits

🏦 What to Look for in an E-commerce Credit Card

Before applying, here are four things to consider when choosing a Lazada or Shopee-friendly credit card:

1. Cashback & Discounts

Look for cards that offer 5% to 10% cashback or exclusive vouchers for online shopping.

2. Partner Platforms

Some cards are exclusive to Lazada or Shopee promos, while others work across all e-commerce sites.

3. Interest Rates & Fees

If you’re a beginner, pick a card with a low annual fee and manageable interest rates.

4. Rewards & Points Conversion

Some cards give you double rewards when shopping online — great if you want to convert points into Lazada or Shopee vouchers.

🏆 Best Credit Cards for Lazada, Shopee & E-commerce Discounts (2025)

Here’s a quick comparison of the top credit cards in the Philippines for online shopping:

Credit Card	Perks for E-commerce	Best For	Partner Platforms	Annual Fee
Citi Rewards Card	3x rewards points on Lazada & Shopee	Points collectors	Lazada, Shopee, Zalora	₱2,500
BPI Amore Cashback	4% cashback on Lazada & Shopee	Budget-conscious shoppers	Lazada, Shopee, Foodpanda	₱2,000
BDO ShopMore Mastercard	Exclusive Lazada vouchers + rewards points	Frequent Lazada shoppers	Lazada, Watsons, Zalora	₱3,000
UnionBank Lazada Card	6x Lazada rewards points + free shipping vouchers	Lazada lovers	Lazada exclusive	₱3,000
Metrobank Titanium MC	3% cashback on Shopee + double points online	Shopee power users	Shopee, TikTok Shop	₱2,500

🛍️ Top 5 Credit Cards for Lazada & Shopee — In-Depth Reviews

1. Citi Rewards Card

Best for: Online shopping addicts & points collectors

Rewards: 3x points on Lazada, Shopee, Zalora
Bonus Perks: Free shipping vouchers
Why It’s Great: Perfect if you shop across multiple e-commerce platforms.

2. BPI Amore Cashback

Best for: Budget-conscious shoppers

Cashback: 4% on Lazada & Shopee
Partner Deals: Extra discounts on Foodpanda & GrabFood
Why It’s Great: Great for people who want cash savings instead of points.

3. BDO ShopMore Mastercard

Best for: Frequent Lazada buyers

Exclusive Perks: Lazada vouchers + bonus rewards points
Partner Stores: Watsons, Zalora, SM affiliates
Why It’s Great: The best pick for Lazada-focused shoppers.

4. UnionBank Lazada Card

Best for: Lazada power shoppers

Rewards: 6x Lazada points
Bonus Perks: Free shipping + early access to Lazada sales
Why It’s Great: Designed exclusively for Lazada users.

5. Metrobank Titanium Mastercard

Best for: Shopee lovers

Cashback: 3% on Shopee
Bonus Perks: Double rewards points on other e-commerce stores
Why It’s Great: Flexible for TikTok Shop and other online platforms.

🧮 Use Our Free Credit Card Cost Calculator

Before applying for any e-commerce credit card, calculate your potential cashback and rewards based on your shopping habits.

👉 Use the Credit Card Cost Calculator here

This helps you pick the most cost-efficient credit card for your Lazada and Shopee purchases.

💡 Tips to Maximize Your Lazada & Shopee Savings

Shop during double-digit sales like 9.9, 10.10, and 11.11 🛒
Use your credit card vouchers + Shopee Coins or Lazada Wallet
Always pay your balance in full to avoid high interest
Combine credit card promos with free shipping vouchers
Use the Credit Card Cost Calculator to track your yearly savings

⚠️ Common Mistakes to Avoid

Applying for too many credit cards at once 🚫
Forgetting to check the minimum spend requirement
Paying only the minimum balance → leads to high interest
Choosing a card that isn’t accepted by Lazada or Shopee

📌 TL;DR (Quick Takeaways)

Pick a card that gives high cashback or rewards for online shopping.
Match your card to your preferred e-commerce platform.
Use the Credit Card Cost Calculator before applying.
Always pay your bill in full to enjoy maximum savings.

❓ Frequently Asked Questions (FAQs)

1. What’s the best credit card for Lazada and Shopee?

UnionBank Lazada Card and BPI Amore Cashback are excellent options for 2025.

2. Can first-time credit card users apply for these cards?

Yes ✅, as long as you meet the income and document requirements.

3. Do these cards give free shipping vouchers?

Yes, some like the UnionBank Lazada Card and Citi Rewards Card offer exclusive shipping discounts.

4. How much cashback can I earn per month?

Depending on the card, you can earn up to ₱500–₱1,500 monthly if you maximize promos.

5. Should I choose cashback or rewards points?

Cashback → Best for instant savings
Rewards points → Best if you want vouchers & freebies

Top Credit Cards for Lazada, Shopee, and E-commerce Discounts