Best Cashback Credit Cards Philippines 2026 — Earn While You Spend

How Cashback Credit Cards Work in the Philippines

Philippine cashback cards return a percentage of your spending as a statement credit, direct deposit to your bank account, or in some cases a GCash or Maya transfer — depending on the bank. Most cards earn 0.2%–1% on general spending, with higher rates (3%–8.88%) on specific categories like groceries, dining, fuel, or online purchases.

The metric that matters is the effective cashback rate after deducting the annual fee. A card earning 1% with a ₱5,000 annual fee breaks even at ₱500,000 in annual spending. A no-annual-fee card earning 0.5% is better for most Filipinos at lower spend levels. The category structure also matters — many cards only unlock their highest rate on specific merchant categories, and most cap monthly earnings at ₱1,000–₱1,250 per billing cycle.

Cards also differ on where the rebate lands. Some post it as automatic statement credit, reducing your next bill. Others require manual redemption through an app or a minimum accumulated rebate before you can claim. Check the redemption mechanism before applying — an unredeemed rebate is not the same as cash in hand.

The 7 Standout Cashback Cards — Detailed Breakdown

These seven cards cover the widest range of Filipino spending habits — from grocery-heavy households and weekend diners to structured multi-category spenders and no-fee digital natives. Income requirements range from ₱15,000 to ₱83,333/month.

1. UnionBank Cash Back Visa Platinum — Best for Grocery Shoppers and Utility Bill Payers

Few cards match the UnionBank Cash Back Visa Platinum on accessibility versus rate: 6% cashback on supermarket purchases and 2% on Meralco utility bills, starting from a ₱15,000/month income threshold (₱20,883 for non-carded applicants). A family spending ₱20,000 monthly at the grocery gets ₱1,200 back per month — ₱14,400 over a year, well ahead of the ₱4,500 annual fee (typically waived the first year). The key advantage here is that grocery and utilities are non-discretionary spend: the rebate accrues passively without changing any shopping behavior.

2. HSBC Live+ Credit Card — Best for Dining, Entertainment and Weekend Spenders

The HSBC Live+ Credit Card punches above its income bracket: 8% cashback on dining and entertainment, 5% on shopping, and 2% on fuel — all at a ₱16,667/month minimum income requirement, which is one of the lowest thresholds for a card with this earning structure. The ₱2,500 annual fee is modest relative to the rate. For Filipinos who eat out regularly, catch movies, and shop on weekends, the 8% dining rate competes directly with cards requiring more than five times the income. It is a strong primary card for young professionals and dual-income households in Metro Manila.

3. Security Bank Complete Cashback Platinum — Best for Structured Everyday Spenders

The Security Bank Complete Cashback Platinum is the most structured card in the market: a clear tiered rate across five daily categories — 5% groceries, 4% gas, 3% utilities, 2% dining, 1% shopping. No tricks, no minimum spend unlocks for the higher tiers, and no rotating category schedule to track. The ₱3,000 annual fee is reasonable, and the income requirement is ₱65,000/month, placing it in the mid-tier bracket. For cardholders who want a single card covering the full spectrum of essential Filipino household expenses — market runs, gas station fill-ups, Meralco and internet bills, and occasional restaurant visits — this is the most complete cashback structure available.

4. Metrobank Cashback Visa — Best for Families with School-Age Children

Where the Security Bank card covers gas and utilities, the Metrobank Cashback Visa covers a category most family cards ignore: 5% cashback on school and bookstore purchases, alongside groceries and telecommunications. That combination — school fees, supermarket, and mobile plan in one card — is rare and specifically valuable during the June–August enrollment season and back-to-school months. The monthly rebate cap is ₱1,000/cycle, maxing out at around ₱20,000 in covered category spending per billing period. Annual fee is ₱3,500 (waived year one), minimum income ₱15,000/month.

5. EastWest Bank Visa Platinum — Best All-Around Premium Cashback

If income qualification is not a barrier, the EastWest Bank Visa Platinum holds the highest headline rate in the Philippine market: 8.88% cashback on dining, department stores, travel, and utilities, with a 0.3% base rate on everything else. The ₱83,333/month income requirement limits access, but for cardholders who qualify, the 8.88% rate across four major spending categories — including travel — is unmatched. The ₱5,000 annual fee is justified at any meaningful monthly spend level within those categories. This is the go-to card for senior professionals, frequent travelers, and household heads with higher budgets who want maximum cashback without micromanaging category splits.

6. BPI Amore Platinum Cashback — Best for Premium Dining and Food Delivery

The BPI Amore Platinum Cashback card targets a specific lifestyle profile: 4% cashback on dining and food delivery, 1% on shopping, and 0.3% elsewhere — combined with complimentary Ayala mall lounge access and parking vouchers. At ₱83,333/month income requirement and a ₱5,000 annual fee (waived year one), it sits in the premium tier. The dining and food delivery focus — covering both GrabFood and foodpanda orders — makes it particularly practical in Metro Manila where delivery is a daily habit. For cardholders who already qualify for premium cards, this is the strongest food-spend option from a Big Four bank.

7. Maya Landers Cashback Everywhere — Best No-Annual-Fee Card

The Maya Landers Cashback Everywhere Card keeps it simple: up to 5% at Landers Superstores, 2% on dining, and 1% on everything else — with the annual fee waived permanently, not just for the first year. Managed entirely through the Maya app, it removes the threshold-tracking and fee-waiver math that complicates most traditional bank cards. For Filipinos who shop at Landers regularly or want a low-friction everyday card that earns something on every transaction without an annual cost, this is the most practical no-fee cashback option alongside MariCard.

Top 20 Cashback Credit Cards in the Philippines — Full Ranking

The right card is determined by your dominant spending category, income bracket, and appetite for tracking caps and minimum spend rules. The table below covers all major Philippine cashback cards with their key rates, annual fees, and income requirements — use it to identify where your current spending would earn the highest return.

3 Things to Know Before You Apply

Most applicants focus on the headline cashback rate and miss the fine print that determines actual returns. These three mechanics trip up new cardholders most often.

The Minimum Spend Requirement. Cards like the EastWest EveryDay Titanium and Metrobank Cashback Visa require you to spend a certain amount across non-bonus categories — retail shopping, utilities, or dining — before you unlock the maximum cashback rate on your priority category like groceries or fuel. If you only use the card for its primary category and nothing else, you may earn a lower effective rate than advertised.

The Monthly Cap. Most Philippine cashback cards set a ceiling of ₱1,000–₱1,250 maximum rebate per billing cycle. Once you hit that threshold, your earning rate resets to the base rate (usually 0.2%–0.3%) until the next cycle. The Metrobank Cashback Visa, for example, caps at ₱1,000/cycle — meaning maximum optimization requires around ₱20,000 in category spending per month. Beyond that, you are earning at the base rate regardless of spend.

The BPI ₱1,000 Rule. For BPI Amore cards, cashback is only earned on local transactions in increments of ₱1,000. A transaction of ₱1,900 earns cashback only on the first ₱1,000 — the remaining ₱900 does not count. This is a meaningful limitation for mid-size purchases between ₱1,000–₱2,000 and is worth factoring into calculations before choosing a BPI Amore card as a primary grocery or dining card.

Matching Your Card to Your Spending Lifestyle

The single highest-return strategy is to match card to dominant category, then use a flat-rate no-fee card for everything else. Use the UnionBank Cash Back Visa Platinum at the supermarket (6%). Swipe the HSBC Live+ at restaurants and weekend entertainment (8%). Use the Petron BPI or Shell Power Platinum card every time you fill up. For everything else — online purchases, convenience stores, miscellaneous — use MariCard or Maya Landers Cashback Everywhere, both of which earn 1% with zero annual fee and no spending thresholds to track.

For online shopping specifically — Shopee, Lazada, TikTok Shop, foreign websites — the Security Bank Wave Mastercard's 1% flat online cashback with waived annual fee is a clean default. For foodpanda regulars, the EastWest foodpanda Visa at up to 7% cashback on deliveries is the most category-specific high-rate card available for food delivery.

"The best cashback strategy is not one card — it is the right card per category and a zero-fee catch-all for everything else."

How to Stack Card Cashback With E-Wallet Promos

No Annual Fee Options Worth Considering

Three cards stand out as no-fee options with genuine cashback (not just points): Maya Landers Cashback Everywhere (5% at Landers, 2% dining, 1% all others — waived forever), Security Bank Wave Mastercard (1% on all online transactions — waived forever), and MariCard from MariBank (1% unlimited on all transactions — ₱0 annual fee, zero FX markup for international online purchases). For Filipinos who shop internationally online, MariCard's FX markup savings alone can exceed the cashback value of a traditional card on the same transaction. See the full MariCard review for details on the debit-credit hybrid feature.

No-fee cards win at lower spending levels and for anyone who does not want to track minimum spend thresholds or annual fee waiver conditions. The tradeoff is accepting a lower headline cashback rate (1%–2%) compared to premium category cards (5%–8.88%). If your monthly spend across category purchases stays below ₱15,000, the no-fee 1% card often outperforms a fee card on a net basis.

Frequently Asked Questions