8 Best Credit Cards for Dining in the Philippines

Food is one of the greatest pleasures in life. You eat not only to nourish your body but also to discover new flavors, appreciate other cultures, and socialize.

If you’re a big eater, having a credit card that matches your lifestyle will amplify your gastronomic experience through exciting rewards and exclusive perks. But how should you find the best for you?

Whether you’re a foodie who’s new to credit cards or a culinary explorer looking for a secondary card exclusively for paying your dining bills, you’re in for a treat. We’ve come up with a list of the best credit card for dining in the Philippines.

What is the Best Credit Card for Dining in the Philippines?

Some credit cards listed here not only offer dining-related perks but also practical privileges, such as 0% installment, free insurance, and rebates. Read the features carefully to find the best credit card for dining.

💳 Citi Rewards Card

Annual fee: ₱2,500
Interest rate: 3%
Minimum monthly income requirement: ₱15,000
Key features:
- 3x reward points for dining
- 1 rewards point for every ₱30 spend

If you’re a credit card newbie looking for great value, the Citi Rewards card is not only the best credit card for dining in the Philippines but also for online shopping. Every time you dine and shop with this card, you get 3x reward points.

There are two good things about this card. First, there’s no cap on earning points. Second, these points don’t expire, which means you can save them until you’re ready to use them for a purchase.

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

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💳 BPI Amore Platinum Cashback

Annual fee: ₱5,000
Interest rate: 3%
Minimum monthly income requirement: ₱83,333
Key features:
- Up to 4% cashback on dining or online food purchase
- Up to 1% cashback on department stores and supermarkets
- 0% installment plans

If your sport is earning big points through eating out, consider the BPI Amore Platinum the best credit card for restaurants. You can get up to 4% cashback when you dine or buy food online. On the other hand, you’ll earn up to 1% cashback on shop purchases, including those made at supermarkets and department stores.

The cashback rates above are applicable even if you spend at least ₱1,000 using this BPI credit card. The card also entitles you to a 5% discount on movie tickets, complimentary parking tickets (as a welcome gift), and access to family and customer lounges at Ayala Malls.

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💳 HSBC Red Mastercard

Annual fee: ₱2,500
Interest rate: 3%
Minimum monthly income requirement: ₱16,667
Key features:
- Up to 4x bonus points on dining
- 0% installment plans
- 6% rebate on fuel expenses

The HSBC Red Mastercard is the best credit card for dining aficionados and road trip lovers. Other than letting you earn up to 4x points on dining, you can enjoy a 6% rebate on your first Caltex fuel purchase. For the rest of the year, you’ll get a 3% rebate on your fuel expenses.

Love traveling abroad? Just whip out your HSBC Red Mastercard for a more rewarding shopping experience. Your card is accepted at more than 27,000 establishments in 160 countries, regions, or territories.

Another noteworthy feature of the HSBC Red Mastercard is that you can enjoy an annual fee waiver in your first year.

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💳 HSBC Gold Visa Cashback

Annual fee: ₱2,500
Interest rate: 3%
Minimum monthly income requirement: ₱16,667
Key features:
- 5% cashback on dining transactions
- 0.5% cashback on all other spend
- 0% installment plans
- Cash installment plans

If you want to earn big points every time you dine, the HSBC Gold Visa Cashback card can help you with that. Just use it to pay for your food purchase and earn 5% cashback. This offer is available all year round, giving you lots of opportunities to maximize it

For other transactions, the HSBC Gold Visa Cashback card earns you 0.50% cashback. You also get to enjoy a 3% rebate on fuel purchases at participating Caltex stations nationwide.

💳 RCBC Flex Visa

Annual fee: ₱1,500
Interest rate: 3%
Minimum monthly income requirement: ₱15,000
Key features:
- 2x rewards points on dining
- Free purchase protection insurance
- Free travel insurance worth up to ₱50,000

As its name suggests, the RCBC Flexi Visa card is a versatile option if you’re looking for the best credit card for eating out, shopping, and traveling. You can get 2x rewards points in two preferred spending categories. You can even switch to new categories every billing cycle.^[1]

If you love flying to new places, enroll in the AIRMILES Program. The points under this program don’t expire and can give you free flights if you’ve accumulated enough of them. Still on travel, the RCBC Flex Visa gives you access to the Marhaba/Skyview Airport Lounge.

💳 Security Bank Complete Cashback Platinum Mastercard

Annual fee: ₱3,000
Interest rate: 3%
Minimum monthly income requirement: ₱65,000
Key features:
- 2% cashback on dining
- Year-round cashback
- E-commerce purchase protection

The Security Bank Complete Cashback Platinum Mastercard entices foodies with 2% cashback on dining. On top of that, you get exclusive Mastercard discounts and deals at partner restaurants.

The card entitles you to other cashback on other expenses: 5% on groceries, 4% on gas, and 3% on utilities. The best thing about this card’s cashback is that you can earn it all year round. It’s also credited instantly to your account, thus allowing you to save on your monthly credit card bills.

💳 UnionBank Racks Visa Card

Annual fee: ₱1,500
Interest rate: 3%
Minimum monthly income requirement: ₱50,000
Key features:
- 1 rewards point for every ₱20 spend
- Dining freebies
- Birthday treat

Love saucy, fall-off-the-bone ribs? If yes, the UnionBank Racks Visa card is a must-have for you.

When you use this card at Racks for the first time, you’ll get a free Classic Caesar Salad for a minimum purchase of ₱800. Other freebies include Large Mac and Cheese for every ₱500 purchase, Memphis Pound Cake for every ₱1,000 purchase, and single Carbonara for every ₱1,500 purchase.

If you celebrate your birth month at any Racks branch, you’ll get a free Apple Pie a la Mode. No minimum purchase is required.

💳 UnionBank Burgoo Visa Card

Annual fee: ₱1,500
Interest rate: 3%
Minimum monthly income requirement: ₱50,000
Key features:
- 1 rewards point for every ₱20 spend
- Party package plan
- Birthday treat

The UnionBank Burgoo Visa card is the best credit card for eating out with families and friends. It entitles you to year-round dining discounts of up to 15%, making it ideal for big purchases. You can avail of this perk not only at Burgoo but also at Gumbo and Eat&Go.^[2]

Use your UnionBank Burgoo Visa card for the first time at any Burgoo branch to get a free appetizer. Meanwhile, your birthday treat includes up to 20% discount.

If you’re celebrating a special occasion at Burgoo, you can use your card to avail of the 0% installment for three months on a party package.

Final Thoughts

Looking for the best credit card for dining in the Philippines shouldn’t be a challenge since many banks offer it. One great thing about such cards is that you can also use them for other types of purchases, such as groceries and travel.

Can’t decide which card to get? Let Moneymax help you! Use our free comparison tool to find the card that suits you best.