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Earn Cashback and Points With the Best Credit Card for Groceries

Venus Zoleta

Venus Zoleta

Last updated November 10, 2023

Are you spending more money on groceries lately? These days, using a credit card just for grocery purchases is a wise and practical decision, whether you shop at a supermarket or an online grocery store.

A dedicated card for groceries lets you track your grocery spending and manage your budget better. You can also get cash back, rewards, discounts, and special offers from your issuing bank.

There are plenty of options for the best credit card for groceries in the Philippines. But the right one for you will depend on your preference. You can earn cashback or rewards with your card or get something that lets you save on credit card fees.

Based on such criteria, here are some of our recommendations for the best credit card for grocery shopping. 

Credit Card Grocery-Related Benefits
UnionBank Rewards Credit Card
2023 UnionBank Rewards VISA
APPLY NOW
Grocery rewards earn rate: 1 point per ₱30 spend
Metrobank Titanium Mastercard®
METROBANK TITANIUM MASTERCARD
APPLY NOW
Grocery rewards earn rate: 2 points on online spend / 1 point for every ₱20 spend on all other categories
HSBC Red Mastercard
hsbc red
APPLY NOW
Grocery rewards earn rate: 1 point per ₱20 spend / 4x points per ₱20 online spend
Security Bank Complete Cashback Platinum Mastercard
Security Bank Complete Cashback Platinum Mastercard
APPLY NOW
Grocery cashback rate: 5% 
Security Bank Gold Mastercard
Security Bank Gold Mastercard 2023
APPLY NOW
Grocery rewards earn rate: 1 rewards point for every ₱20 spend
BPI Amore Cashback Card
BPI Amore Cashback Card
APPLY NOW
Grocery cashback rate: 4% 
RCBC Landmark Anson's
rcbc landmark ansons
COMPARE NOW
Grocery cashback rate: 5% at Landmark Supermarket
Robinsons Cashback Mastercard
robinsons cashback mastercard
COMPARE NOW
Grocery cashback rate: Up to 3% at Robinsons Supermarket; up to 1% at other supermarkets
 

For more details and credit card options, read on.

Best Credit Cards for Groceries in the Philippines with Cashback

🛒 Security Bank Complete Cashback Platinum Mastercard

Security Bank Complete Cashback Platinum Mastercard

  • Grocery cashback rate: 5%
  • Minimum monthly income requirement: ₱29,167

We start our list of the best credit cards for groceries with the award-winning cashback credit card from Security Bank: the Complete Cashback Platinum Mastercard. It won the bank the New Consumer Lending Product of the Year at the Asian Banking and Finance Retail Banking Awards 2023 for its best-in-class rewards and rebate program for practical spending.[1]

Indeed, it's the most practical card to use for grocery shopping. Earn a high 5% rebate on your supermarket purchases, 4% on fuel, 3% on utilities, 2% on dining, and 1% on shopping.

This translates to savings of up to ₱12,000 cashback per year. What's more the rebates are automatically credited to your account.

Other features and benefits:

  • E-commerce purchase protection insurance worth up to US$200
  • Unlimited access to the Marhaba Lounge

Fees and charges:

  • Annual fee: ₱3,000 (free for the first year)
  • Interest rate: 3%
  • Late payment fee: ₱1,000 or unpaid minimum due, whichever is lower
  • Overlimit fee: ₱500

🎁 Free Gift from Moneymax: ₱2,500 eGift, JBL Bluetooth Speaker, or Sony Wireless Headphones

security bank welcome gift - egift jbl bluetooth speaker sony wireless headphones

Eligible cards: Select Security Bank credit cards:

Promo period: Until April 30, 2024

Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher, a JBL Horizon 2 Bluetooth Clock Radio Speaker worth ₱5,354, or Sony WH-CH520 Wireless Headphones worth ₱3,299.

This Moneymax Security Bank Giftaway/JBL/Sony credit card promo runs until April 30, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-189987 Series of 2024.  Terms and conditions apply


🛒 BPI Amore Cashback Card

BPI Amore Cashback Card
  • Grocery cashback rate: 4% 
  • Minimum monthly income requirement: ₱15,000

Enjoy cashback all year round when you use your BPI Amore Cashback Card for all your essential and local spending, whether in-store or online. Charge your grocery spending on your BPI Amore card to earn 4% cashback. 

There’s also the option to convert your straight supermarket purchases to installments at low add-on rates.

Other features and benefits:

  • Cashback for every ₱1,000 local spend
  • 1% cashback on drugstore and utilities spend
  • 0.3% cashback on other local spend
  • Up to 36 months installment 

Fees and charges:

  • Annual fee: ₱2,050 (free for the first year)
  • Interest rate: 3%
  • Late payment fee: ₱850 or unpaid minimum, whichever is lower

Read more: Big Deals With BPI: Top BPI Credit Card Promos This 2023

🛒 UnionBank Gold Mastercard

  • Grocery cashback rate: 1%
  • Minimum monthly income requirement: ₱30,000

With this UnionBank credit card, all your purchases—including groceries—earn a 1% rebate. Any cash back earned with the Gold Mastercard isn't limited and doesn't expire, so you can save money on your purchases and redeem your rebates anytime.

Other features and benefits:

  • 1% cash back on all purchases
  • No maximum rebate cap

Fees and charges:

  • Annual fee: ₱2,500
  • Interest rate: 3%
  • Late payment fee: ₱1,000
  • Overlimit fee: ₱500

Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More

🛒 RCBC Landmark Anson’s Mastercard

RCBC Landmark Ansons
  • Grocery cashback rate: 5% at Landmark Supermarket
  • Minimum monthly income requirement: ₱15,000

Do you live or work near a Landmark establishment? This co-branded RCBC credit card is perfect for maximizing the cash back on your purchases at Landmark Supermarket, Anson's, and Landmark Department Store.

Unlike other cashback credit cards in the Philippines, the RCBC Landmark Anson’s Mastercard has no maximum rebate cap, which means there's no limit to the cashback you can earn in a month or year. Also, transactions made with this card earn rewards points—so it's a cash back-and-rewards credit card in one.

However, only straight-charge transactions from Mondays to Fridays qualify for rebates.

Other features and benefits:

  • 5% cashback on purchases at Landmark Department Store and Anson's
  • No maximum rebate cap
  • 1 rewards point per ₱50 spend at Landmark and Anson's or per ₱83.33 elsewhere

Fees and charges:

  • Monthly fee: ₱80
  • Interest rate: 3%
  • Late payment fee: ₱850 the minimum amount due, whichever is lower
  • Overlimit fee: ₱600

Read more: Make Spending Rewarding: RCBC Credit Card Promos to Grab

🛒 Robinsons Cashback

Robinsons Cashback

  • Grocery cashback rate: Up to 3% at Robinsons Supermarket / Up to 1% at other supermarkets
  • Minimum monthly income requirement: ₱15,000 (if single) / ₱20,000 (if married)

Loyal Robinsons shoppers can save a great deal on groceries with Robinsons Bank's cashback credit card.

Earn up to ₱20,000 rebate yearly when you shop at Robinsons Supermarket, Robinsons Department Store, Robinsons Appliances, South Star Drug, Daiso, and other Robinsons-affiliated merchants.

Transactions worth over ₱3,500 at other establishments also qualify for cashback of up to 1%.

Other features and benefits:

  • Up to 3% cash back at Robinsons-branded and Robinsons-affiliated stores
  • Up to 1% cash back on purchases (minimum of ₱3,500) at non-Robinsons merchants

Fees and charges:

  • Annual fee: ₱2,500
  • Interest rate: 3%
  • Late payment fee: ₱750
  • Overlimit fee: ₱750

Read more: Save Big Time with These Robinsons Bank Credit Card Promos in 2023

Best Credit Cards with Grocery Rewards

🛒 UnionBank Rewards Credit Card

UnionBank Rewards Credit Card
  • Grocery rewards earn rate: 1 point per 30 spend
  • Minimum monthly income requirement: ₱15,000

The Rewards Credit Card from UnionBank is one of the best credit cards with grocery rewards because of its fast earning rate. You earn 1 point for every 30 spend anywhere, including supermarkets, online stores, and food delivery apps.

Accumulated points can be redeemed for cash credits, gadgets, merchandise, and more!

Other features and benefits:

  • 1 point per 30 spend on all other types of purchases
  • 3x points for shopping and dining transactions in the Philippines and abroad

Fees and charges:

  • Annual fee: ₱2,500 (Free for life if you apply and get approved on or before November 30, 2023)[2]
  • Interest rate: 3%
  • Late payment fee: 1,500 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: ₱1,500 or the highest overlimit amount during the billing period, whichever is lower

🎁 Free Gift from Moneymax: E-Gift, Wireless Earbuds, or Headphones

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until April 30, 2024

Get a pair of Apple AirPods 2 worth ₱8,490, a JBL Tune 720BT worth ₱4,699, or a Giftaway eGift worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank welcome gift promo runs until April 30, 2024 only. Per DTI Fair Trade Permit No. FTEB-187582 Series of 2024. 

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


🛒 Metrobank Titanium Mastercard®

Metrobank Titanium
  • Grocery rewards earn rate: 2 points on online spend / 1 point for every ₱20 spend on all other categories
  • Minimum monthly income requirement: ₱15,000

Do you prefer to do your grocery shopping online? With the Metrobank Titanium Mastercard®, you can earn double rewards points for all your online spending, including groceries. 

Other features and benefits:

  • 1 non-expiring point for every ₱20 spend
  • 2x points for online, delivery, telco, and gadget transactions

Fees and charges:

  • Annual fee: ₱2,500
  • Interest rate: 3%
  • Late payment fee: ₱1,000 or the minimum amount due, whichever is lower
  • Overlimit fee: ₱750

🎁 Free Gift from Moneymax: ₱2,500 eGift, Dolce Gusto Piccolo XS, or JBL Wave Beam True Wireless Earbuds 

moneymax metrobank credit card promo - giftaway egift dolce gusto piccolo xs jbl wave beam

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until April 30, 2024

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between a ₱2,500 eGift voucher via Giftaway, a Dolce Gusto Piccolo XS worth ₱5,199, or a JBL Wave Beam worth ₱3,799 as your free special gift.

This Moneymax Metrobank eGift/Dolce Gusto/JBL promo runs until April 30, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-187470 Series of 2024. Terms and conditions apply.

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.


🛒 HSBC Red Mastercard

HSBC Red Mastercard
  • Grocery rewards earn rate: 1 point per ₱20 spend / 4x bonus points per ₱20 online spend 
  • Minimum monthly income requirement: ₱16,667.67

HSBC Red Mastercard gives 1 rewards point per ₱20 spend on groceries. You can earn rewards even faster by buying items online, which offers 4x points per ₱20 spend. This makes it one of the best credit cards for groceries and online shopping.

To get an HSBC Red Mastercard, you should have a credit card issued in the Philippines for at least six months. You can also qualify for a welcome gift if you apply for this HSBC credit card within the promo period.

Other features and benefits:

  • Waived annual fees for first-time HSBC cardholders 
  • 4x bonus points on dining, shopping, and international transactions
  • 1 point per ₱20 spend on all other types of purchases
  • 6% rebate on the first Caltex fuel purchase plus 3% rebate all year round

Fees and charges:

  • Annual fee: ₱2,500
  • Interest rate: 3%
  • Late payment fee: ₱700 or the unpaid minimum balance, whichever is lower
  • Overlimit fee: ₱500

Read more: Lavish Lifestyle for Less: Best HSBC Credit Card Promos This 2023


🎁 Free Gift from Moneymax: Giftaway Credits, JBL Flip 6, or JBL Tune 520 BT

moneymax hsbc credit card promo

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until April 15, 2024

Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting welcome gift! Choose from free Giftaway credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Tune 520BT worth ₱3,349

This Moneymax HSBC Giftaway/JBL promo runs until April 15, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-188586 Series of 2024. Terms and conditions apply. 



🛒 Security Bank Gold Mastercard

Security Bank Gold Mastercard

  • Grocery rewards earn rate: 1 point for every ₱20 spend
  • Minimum monthly income requirement: ₱40,000

The Security Bank Gold Mastercard lets you earn 1 rewards point for every ₱20 spend. Collect points to redeem items such as e-gift certificates, airline miles, and items. So shop for groceries and charge them to your Security Bank Gold Mastercard to earn points.

Other features and benefits:

  • Non-expiring points
  • Worldwide acceptance and access to exclusive Mastercard promos 
  • Up to five supplementary credit cards 
  • Unlimited access to Marhaba Lounge at NAIA 1 and 3

Fees and charges:

  • Annual fee: ₱2,500 (waived for the first year)
  • Interest rate: 3%
  • Late payment fee: ₱1,000 or unpaid minimum, whichever is lower
  • Overlimit fee: ₱500

Related reading: Secure These Deals: Top Security Bank Credit Card Promos to Enjoy

🛒 RCBC Flex Gold Visa

RCBC Flex Gold Visa
  • Grocery rewards earn rate: 2 points per ₱125 spend
  • Minimum monthly income requirement: ₱50,000

The Flex Gold Visa allows you to maximize your rewards from grocery shopping. True to its name, this RCBC credit card provides flexibility. 

Double your points on your supermarket purchases and two other spending categories. You also have the option to switch your preferred categories for receiving 2x points every billing cycle if your spending habits change.

Other features and benefits:

  • 2x points per ₱50 spend on two other categories of your choice (aside from groceries): household appliances, department store, gas, or travel
  • 1 point per ₱50 purchase at other non-service merchants
  • 1 point per ₱125 purchase at service merchants
  • 1 point per ₱250 utility bills payment

Fees and charges:

  • Annual fee: ₱3,000 (waived on the first year)
  • Interest rate: 3%
  • Late payment fee: ₱850 or the minimum amount due, whichever is lower
  • Overlimit fee: ₱600

🛒 China Bank Platinum Mastercard

Chinabank Platinum
  • Grocery rewards earn rate: 1 point for every ₱30 spend
  • Minimum monthly income requirement: ₱20,833

The China Bank Platinum Mastercard is another excellent option for a grocery credit card as it lets you earn one rewards point for every ₱30 shopping spend. This premium credit card also comes with other perks and privileges that allow you to maximize your spending, whether it’s for dining or fuel transactions. 

Other features and benefits:

  • 5% fuel rebate at any gas station
  • Exclusive discounts at partner establishments 
  • Up to ₱20 million travel insurance coverage

Fees and charges:

  • Annual fee: ₱3,500 (waived for the first year)
  • Interest rate: 3%
  • Late payment fee: ₱750 or the minimum amount due, whichever is lower
  • Overlimit fee: ₱500

Best No Annual Fee Credit Cards for Groceries in the Philippines

🛒 PNB Ze-Lo Mastercard

PNB Ze-Lo Mastercard

Minimum monthly income requirement: ₱10,000

This new PNB credit card is great for low-income earners and first-timers who need a card to pay for groceries and other essentials without the burden of steep fees.

On top of its waived annual fees, the PNB Ze-Lo Mastercard also has a lower interest rate than the industry standard. No worries when you suddenly fall short of budget because you won't be charged when you miss a payment due date or exceed your credit limit.

Fees and charges:

  • Annual fee: No annual fee for life
  • Interest rate: 2.5%
  • Late payment fee: None
  • Overlimit fee: None

Related reading: Money-Saving Deals and Privileges: Top PNB Credit Card Promos for 2023

🛒 AUB Easy Mastercard

AUB Easy Mastercard-1
  • Grocery rewards earn rate: 1 point for every ₱50 spend
  • Minimum monthly income requirement: ₱50,000

Aside from its waived annual fees, this AUB credit card's payment flexibility makes it easy on the budget. Choose when, how often, and how much to pay for your credit card bill. For instance, you can set your due date/s every payday, whether once or twice a month.

The Easy Mastercard isn't just affordable to own but also rewarding to use. Rack up non-expiring points, as the card lets you earn one reward point per ₱50 spend. It's one of the best credit cards for groceries if you wish to save money on annual fees.

Key features and benefits:

  • 1 rewards point per ₱50 spend
  • Flexible credit card payment frequency and due date

Fees and charges:

  • Annual fee: No annual fee for life
  • Interest rate: 3%
  • Late payment fee: ₱1,000 for the monthly payment option, ₱500 for the semi-monthly, and ₱250 for the weekly payment option, or unpaid minimum amount due, whichever is lower

Read more: Do More with Your Card: Top AUB Credit Card Promos This 2023 

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

After comparing the different options listed above, here are our top four recommendations for grocery credit cards:

  • Best grocery cashback credit card: Security Bank Complete Cashback Mastercard
  • Credit card with the best grocery rewards: HSBC Red Mastercard
  • Best no annual fee grocery credit card: AUB Easy Mastercard
  • Best credit card for online grocery shopping: Metrobank Titanium Mastercard®

How to Use a Credit Card in Grocery Stores

best credit card for groceries in the Philippines - How to use a credit card in grocery stores

If you're wondering how to pay for groceries using a credit card, the process is simple. Present your card to the cashier, who will swipe it on the point-of-sale (POS) terminal. You'll be asked to enter your PIN using the terminal or put your signature on the charge slip. Then wait for your card and receipt.

However, there's a faster and safer way to pay for groceries with your credit card. You can simply tap your card over the POS terminal at the counter if your card has the contactless payment icon. The POS terminal is contactless-enabled if your total purchase amounts to ₱2,000 or below. Contactless payments don't require a signature or PIN.

Final Thoughts

The best credit card for groceries in the Philippines allows you to maximize the benefits you want from your card—be it cash back, rewards, or savings on credit card fees. If you don't have any of these grocery credit cards yet, apply for one now and start reaping the rewards.

Compare credit cards with Moneymax

Sources:

Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore Hallyu Tita, she loves bingeing Korean shows on Netflix while bonding with her cats. Follow Venus on LinkedIn.

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