Best Credit Cards for Cashback on 11.11 and Black Friday Spend (Philippines)

Best Cashback Credit Card Philippines Sale Days: Quick Comparison

Last checked: October 14, 2026. If you want the best cashback credit card in the Philippines for sale days, the cards below are the ones covered on TipidNation, ranked by the kind of spending they reward. The details come from the bank offers listed on each brand page, so treat them as a starting point and confirm the latest terms with the issuer.

HSBC: Cashback for Local Carts, Points for Overseas Orders

HSBC Philippines has two cards that suit sale days. The Live+ Visa lists up to 5% cashback on shopping and entertainment and up to 8% on dining, and the higher rates need at least ₱10,000 in card spend every month. That makes it a fit for 11.11 shoppers who already spend that much. The Red Platinum Mastercard earns 4x bonus points on online, dining, shopping and overseas purchases, which suits foreign carts on Black Friday.

Before you apply, note the eligibility HSBC lists for its current welcome promos: a minimum annual income of ₱400,000 and a locally issued primary credit card from another bank held for at least six months. HSBC also lists a free carry-on luggage promo for new applicants who spend ₱40,000 within 60 days, running until November 30, 2026. Only chase a spend target if you would buy those items anyway.

Maybank: Online Cashback Program Rates Vary by Store

Maybank Philippines runs an online cashback program with rates of up to 15%. The rate varies per participating store, so the headline number will not apply to every cart. During 11.11, open the program first, find your store, and check its rate before you pay. This works best when you already know which shops you will buy from.

BDO American Express: Premium Cashback Windows

BDO is the exclusive issuer of American Express cards in the Philippines. In 2026 it has run cashback of up to ₱3,000 on spend anywhere, plus dining and buy now pay later windows. These windows change, so check BDO's promo page for any 11.11 or Black Friday offer and its minimum spend. Acceptance is the trade-off: Amex is strong in malls, hotels and online, but smaller shops may not take it. See the BDO Philippines page for the wider card family.

Visa or Mastercard: Choose the Card, Not the Network

Visa and Mastercard are payment networks issued through many banks. The cashback comes from your issuing bank, which is why HSBC Live+ (a Visa) and HSBC Red Platinum (a Mastercard) behave so differently. Both networks are widely accepted online, so pick the card with the better rewards for your spending.

Pick Your Card by Spending Style

• Pick HSBC Live+ if you reach ₱10,000 in monthly spend and shop or dine out often.
• Pick HSBC Red Platinum if most of your Black Friday carts are overseas or online.
• Pick Maybank if you shop at stores that take part in its online cashback program.
• Pick BDO American Express if you want premium cashback windows and your merchants accept Amex.
• Skip a new card if you carry a balance. Interest will cancel out cashback.

Fees, Income and Responsible Use

Cashback is not free money. Annual fees, interest on unpaid balances and foreign transaction charges can erase it. Compare total cost, not just the cashback rate, and never take on debt to chase a reward. Pay the full statement balance on time. HSBC has run annual fee waiver promos tied to spend within 60 days, and the latest window ended August 31, 2026, so ask each bank about current fee terms. Read our best credit cards for cashback guide and the best credit cards 2026 guide for fees and income notes, and our Black Friday cards and wallets post for overseas tips.

Your 5-Step Sale Day Cashback Plan

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