For many households, groceries make up a significant portion of monthly expenses, so using a credit card that provides cashback, rewards points, or exclusive discounts at supermarkets can help you stretch your budget further. These perks allow cardholders to earn something back with every swipe—whether it's cash rebates, loyalty points, or vouchers—making grocery shopping more rewarding. Some cards even come with installment options, waived annual fees, and tools to help you manage your spending more effectively.
With so many options available, choosing the right credit card can be overwhelming. To help you out, we’ve rounded up 11 of the best credit cards in the Philippines that offer the most value for grocery spending. Whether you're looking for high cashback rates, generous rewards programs, or cards with no annual fees, this curated list covers a wide range of needs and budgets. Find out which card fits your lifestyle and spending habits best.
Cashback, Rewards, or No Annual Fee?
Choosing the right grocery credit card depends on your priorities. If you want instant savings, cashback cards like the UnionBank Cash Back Visa Platinum, BPI Amore Platinum Cashback, or HSBC Live+ Credit Card give you a high percentage back on your supermarket spending.
For those who prefer perks, rewards cards like the BPI Visa Signature, Metrobank World Mastercard®, or UnionBank Rewards Credit Card let you earn points that you can redeem for shopping, dining, or travel. If you’re after simplicity and long-term savings, a no annual fee card like the UnionBank U Visa Platinum or UnionBank Lazada Credit Card is a smart choice—perfect for beginners or budget-conscious shoppers.
Each option brings value; it’s all about finding the one that matches your spending habits and lifestyle best.
Best Credit Cards with Highest Cashback
- BPI Amore Cashback Card
- Get up to 4% cash back on supermarkets and department store spend
- Get up to 1% cash back on drugstore and bills payment spend
- Earn up to 0.3% cash back on all other local retail spend
- Annual Fee: ₱2,050
- Minimum Income: ₱180,000/year
- Interest Rate: 3% monthly
- BPI Amore Platinum Cashback Card
- Get 4% cash back on dining and online delivery spend
- Get 1% cash back on supermarkets and department store spend
- Earn up to 0.3% cash back on other international and local retail spend
- Annual Fee: ₱5,000
- Minimum Income: ₱600,000/year
- Interest Rate: 3% monthly
- UnionBank Cash Back Visa Platinum
- Earn up to 6% cash back on groceries
- Get up to 0.20% cash back on all other purchases
- Annual Fee: ₱4,500
- Minimum Income: ₱180,000/year
- Interest Rate: 3% monthly
- HSBC Live+ Credit Card
- Up to 5% cashback on shopping and entertainment spend
- Annual Fee: ₱5,000
- Minimum Income: ₱400,000/year
- Interest Rate: 3% monthly
Read more: Rebates Galore: 9 Best Cashback Credit Cards in the Philippines
Best Credit Cards with Highest Rewards
- HSBC Red Mastercard
- 4x reward points on online, shopping, dining, and overseas spend
- Earn 1 reward point for every ₱20 spend
- Annual Fee: ₱2,500
- Minimum Income: ₱400,000/year
- Interest Rate: 3% monthly
- UnionBank Go Rewards Gold Visa
- Earn 1 point for every ₱200 spend
- 1 Go Reward point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get an Exclusive Black Membership Lane in The Marketplace and Shopwise
- Enjoy exclusive offers and deals from Go Rewards partners
- Annual Fee: ₱3,000
- Minimum Income: ₱180,000/year
- Interest Rate: 3% monthly
- BPI Visa Signature Card
- Earn 2 BPI points for every ₱20 spend
- Get up to ₱20 million free travel accident and inconvenience benefit
- Annual Fee: ₱5,500
- Minimum Income: ₱1,200,000/year
- Interest Rate: 3% monthly
- Metrobank World Mastercard
- Get 2x reward points for international purchases
- Earn 1 reward point for every ₱20 spend
- Annual Fee: Free on the first year
- Minimum Income: ₱1,500,000/year
- Interest Rate: 3% monthly
- UnionBank Rewards Credit Card
- Earn 3x non-expiring reward points when you shop and dine here and abroad
- Earn 1 non-expiring reward point for every ₱30 spend
- Redeem cash credits, merchandise, gadgets, points transfers, and more
- Annual Fee: Free; terms and conditions apply
- Minimum Income: ₱180,000/year
- Interest Rate: 3% monthly
Read more: Get More Rewards: How to Earn Credit Card Points Quickly
Best Credit Cards Offering No Annual Fee
- UnionBank U Visa Platinum
- Lifetime no annual fee
- Minimum Income: ₱360,000/year
- Interest Rate: 3% monthly
- Metrobank Titanium Mastercard
- Lifetime no annual fee (upon reaching minimum spend)
- Minimum Income: ₱180,000/year
- Interest Rate: 3% monthly
Read more: Save Money: 32 No Annual Fee Credit Cards for 2025
Top Grocery Credit Cards for Millennials and Gen Zs: Perks Edition
Looking for rewards you can actually use — like e-gift cards, shopping vouchers, mobile load, or cashback? Here’s where these cards shine:
💳 UnionBank Rewards Credit Card
Redeem points for e-gift cards, online shopping credits, mobile load, and more.
Points can be exchanged for shopping vouchers, e-GCs, and travel deals — great for online spenders.
💳 UnionBank Go Rewards Gold Visa
Points convertible into Robinsons vouchers and discounts at partner stores.
💳 UnionBank Lazada Credit Card
Earn Lazada Wallet credits — perfect for frequent online grocery or lifestyle shoppers.
💳 UnionBank Cash Back Visa Platinum
Cashback directly to your account — great for instant savings.
Cashback you can use on everyday expenses, including online purchases.
Quick tip: If you mostly shop online or want flexible rewards (like GCash top-ups, Lazada/Shopee credits, or e-GCs), UnionBank Rewards Credit Card and HSBC Red Mastercard are top choices. If you prefer real cashback savings, go for UnionBank Cash Back Visa Platinum or HSBC Live+.
Promo Stacking: Unlock Bigger Savings with Rebates, Vouchers, and Rewards
Promo stacking refers to combining multiple promotional offers (e.g., rebates, vouchers, discounts) for maximum savings on purchases. Rebates are cashback or discounts that are returned to you after a transaction, while vouchers are pre-determined discounts or credits that can be redeemed during purchases. By strategically using reward points or voucher codes together with rebates, you can significantly boost your savings and make the most of limited-time offers or ongoing deals.
Maximize your savings by stacking these perks with the right credit cards!
📑 UnionBank Lazada Credit Card
Use your rewards for Lazada shopping credits and stack with other Lazada promo codes for extra savings.
📑 UnionBank Cash Back Visa Platinum
Earn cashback while stacking with other store-specific vouchers or discounts.
Redeem points for shopping vouchers and use with ongoing promotions from retail partners.
Read more: Time to Reap the Rewards: How to Use Your Credit Card Points
Final Thoughts
Choosing the best credit card for grocery shopping depends on your needs. Cashback cards like UnionBank Cash Back Visa Platinum and BPI Amore Platinum Cashback offer instant savings, while rewards cards like BPI Visa Signature and Metrobank World Mastercard® provide long-term benefits. For simplicity, UnionBank U Visa Platinum offers great value with no annual fee.
Ready to make your grocery shopping more rewarding? Use Moneymax’s credit card comparison tool to explore and compare grocery credit cards based on cashback, rewards, and perks tailored to your needs. It’s free, easy to use, and will help you find the perfect card to maximize your savings on groceries. Try it now and start saving!
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