Credit Card Cashback Calculator Philippines

How to use this calculator

Enter how much you spend on the card each month in each category.
Type the cashback rate for each category from your card terms.
Add a monthly cashback cap if your card has one, and the annual fee.
Read your monthly and yearly cashback, the net benefit after the fee and the effective rate.
Compare two cards by changing the rates and fee, and pick the one with the higher net benefit.

How to choose a cashback card that really pays

A card with a high cashback rate on dining does nothing for you if you mostly spend on groceries. The best card is the one that matches your own spending mix. Caps and annual fees can also change the answer, so the headline rate is only part of the story.

This calculator uses your real monthly spend and the rates on the card to estimate monthly and yearly cashback, applies the cap and subtracts the annual fee. It also shows the effective rate, which is the cashback you actually earn per peso spent.

Compare current card offers on BDO, BPI and Mastercard, and read our guide to the best cashback credit cards.

How cashback is calculated

Cashback for each category equals the spend times the rate. The monthly total is the sum, limited by your monthly cap if you enter one.
Yearly cashback is the monthly cashback times 12. Net benefit is yearly cashback minus the annual fee.
Effective rate is monthly cashback divided by total monthly spend.
Rates, caps and conditions vary by card and change often. Enter the terms from your card or the bank page, and remember that interest on unpaid balances can erase any cashback.

Tips to save more

Pay your full balance every month so interest never cancels your cashback.
Match the card to your biggest spending category.
Check whether the annual fee is waived with enough spend.
Do not spend more just to earn cashback.

Frequently asked questions

How do I compute credit card cashback?

Multiply the amount you spend in each category by its cashback rate, add them up, and apply any monthly cap. The calculator does this for five common categories.

Is an annual fee worth it?

It is worth it when your yearly cashback is clearly higher than the fee. The net benefit row shows the difference, and the break-even spend shows how much you must spend to cover the fee.

What is an effective cashback rate?

It is your total cashback divided by your total spend. It shows what the card really earns on your own spending mix.

Does cashback beat paying interest?

No. Credit card interest is far higher than any cashback, so only use a card for cashback if you pay the full balance every month.

Where can I find card promos?

Check the BDO, BPI, UnionBank, Mastercard and Visa pages for current card offers and promos.

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This calculator gives estimates for planning only. It is not financial, tax or legal advice. Confirm exact figures with your employer, bank, lender or the relevant government agency.