Whether you shop at a supermarket or an online store, use a dedicated credit card for grocery purchases so you can track your spending and manage your budget better. You can also get cash back, rewards, discounts, and special offers from your issuing bank.
The best credit card for groceries in the Philippines will depend on your preference. Do you want to earn cash back or rewards? Or do you want to save on credit card fees?
Based on such criteria, here are some of the best credit cards for grocery shopping:
For more details and credit card options, read on.
Best Credit Cards with Grocery Rewards
🛒 UnionBank Rewards Credit Card
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- 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. Earn 1 point for every ₱30 spend anywhere, including supermarkets, online stores, and food delivery apps.
In addition, get 3x points for shopping and dining transactions in the Philippines and abroad. Accumulated points can be redeemed for cash credits, gadgets, merchandise, and more!
Fees and charges:
- Annual fee: ₱2,500 (free for life if you apply and get approved until June 30, 2024 and meet the spend requirement)[1]
- 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
🛒 Metrobank Titanium Mastercard®
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- Grocery rewards earn rate: 2 points on online, department store, and dining 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.
Fees and charges:
- Annual fee: ₱2,500 (waived if you apply until August 31, 2024 and meet the spend requirement)
- Interest rate: 3%
- Late payment fee: ₱1,000 or the minimum amount due, whichever is lower
- Overlimit fee: ₱750
🎁 Get approved and rewarded a gift of your choice worth up to ₱3,499
![[UPDATE]_MB_CC_Choose_Your_Welcome_Gift_(June_2025)__1200x350](https://www.moneymax.ph/hs-fs/hubfs/%5BUPDATE%5D_MB_CC_Choose_Your_Welcome_Gift_(June_2025)__1200x350.png?width=438&height=128&name=%5BUPDATE%5D_MB_CC_Choose_Your_Welcome_Gift_(June_2025)__1200x350.png)
Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®
Promo period: Until June 30, 2025
Get rewarded when you apply and get approved for your preferred card via Moneymax. Choose between eGift worth ₱2,000, Oral B Vitality 100 worth ₱2,095, or the Mi Smart Air Fryer 3.5L worth ₱3,499 🎁
Per DTI Fair Trade Permit No. FTEB-226753. Series of 2025. Terms and conditions apply.
Note: Applicant must be an existing credit cardholder in good standing for at least six months.
🛒 HSBC Red Mastercard
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- Grocery rewards earn rate: 4x bonus points per ₱20 online, dining, shopping, and overseas spend / 1 point per ₱20 spend
- Minimum monthly income requirement: ₱17,000
HSBC Red Mastercard gives 1 rewards point per ₱20 spend. 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.
Fees and charges:
- Annual fee: ₱2,500 (free for the first year)
- Monthly interest rate: 3%
- Late payment fee: ₱1,500 or the unpaid minimum balance, whichever is lower
- Overlimit fee: ₱800
Read more: Steals and Deals: Best HSBC Credit Card Promos This 2024
🛒 Security Bank Gold Mastercard
- Grocery rewards earn rate: 1 point for every ₱20 spend
- Minimum monthly income requirement: ₱30,000
The Security Bank Gold Mastercard earns 1 non-expiring rewards point for every ₱20 spend. Collect points to redeem items such as e-gift certificates and airline miles. So shop for groceries and charge them to your Security Bank Gold Mastercard to earn points.
Fees and charges:
- Annual fee: ₱2,500 (free 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: 15 Security Bank Credit Card Promos for 2024
🛒 RCBC Flex Gold Visa
- Grocery rewards earn rate: 2 points on three preferred categories: grocery, gas, household appliances, department store, or travel
- 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.
Fees and charges:
- Annual fee: ₱3,000 (free for 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
- 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 1 rewards point for every ₱30 shopping spend. It also comes with a complimentary SMAC membership, so it's the perfect card if you prefer shopping at SM Supermarket, Hypermarket, or Savemore.
Fees and charges:
- Annual fee: ₱3,500 (free for the first year)
- Interest rate: 3%
- Late payment fee: ₱750 or the minimum amount due, whichever is lower
- Overlimit fee: ₱500
Best Credit Cards for Groceries in the Philippines with Cashback
🛒 UnionBank Cash Back Visa Platinum
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- Grocery cashback rate: Up to 6%
- 2% on Meralco bill payments through UnionBank Online
- 0.20% on all other purchases
- Minimum monthly income requirement: ₱15,000
We start our list of the best cashback credit cards for groceries with this UnionBank credit card. Earn up to 6% cashback on your groceries—generous, right? Cash back doesn't expire, so you can save money on your purchases and redeem your rebates anytime.
Fees and charges:
- Annual fee: ₱4,500
- Interest rate: 3%
- Late payment fee: ₱1,500
- Overlimit fee: ₱1,500
Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More
🛒 Security Bank Complete Cashback Platinum Mastercard
- Grocery cashback rate: 5%
- 4% on fuel, 3% on utilities, 2% on dining, and 1% on shopping
- Minimum monthly income requirement: ₱65,000
Use this card to get savings of up to ₱12,000 cashback per year. Rebates are automatically credited to your account.
This award-winning cashback credit card from Security Bank 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.[2]
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
🛒 BPI Amore Cashback Card
- Grocery cashback rate: 4%
- 1% cashback on drugstore and utilities spend, 0.3% cashback on other local spend
- 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, in-store or online. Charge your grocery spending on your BPI Amore card to earn 4% cashback.
You also have the option to convert your straight supermarket purchases to installments at low add-on rates.
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: Splurge and Save: 15 BPI Credit Card Promos This 2024
🛒 RCBC Landmark Anson’s Mastercard
- Grocery cashback rate: 3% at Landmark Department Store, Landmark Supermarket, and Anson’s
- Minimum monthly income requirement: ₱15,000
Do you live or work near a Landmark establishment? Use this co-branded RCBC credit card to maximize purchases at Landmark Department Store, Landmark Supermarket, and Anson’s.
This card has no maximum rebate cap, which means there's no limit to the cashback you can earn in a year. However, only straight-charge transactions from Mondays to Fridays qualify for rebates.
Transactions made outside Landmark and Anson's earn rewards points—so it's a cash back-and-rewards credit card in one.
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: RCBC Credit Card Promos: 15 Best Deals in 2024
🛒 Robinsons Cashback
- Grocery cashback rate: Up to 3% at Robinsons Stores / 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 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%.
Fees and charges:
- Annual fee: ₱2,500
- Interest rate: 3%
- Late payment fee: ₱750
- Overlimit fee: ₱750
Read more: Promo Alert: Don’t Miss These 10 Robinsons Bank Credit Card Promos
Best No Annual Fee Credit Cards for Groceries in the Philippines
🛒 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 has a lower interest rate than the industry standard.
Plus, no worries when you suddenly fall short of budget—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: Discounts, Deals, and More: 16 PNB Credit Card Promos for 2024
🛒 AUB Easy Mastercard
- Grocery rewards earn rate: 1 point for every ₱50 spend
- Minimum monthly income requirement: ₱50,000
The AUB Easy Mastercard is one of the best credit cards for groceries if you wish to save money on annual fees.
Plus, 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.
Lastly, rack up 1 rewards point per ₱50 spend with this card.
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 2024
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 credit card with grocery rewards: HSBC Red Mastercard
- Best grocery cashback credit card: UnionBank Cash Back Visa Platinum
- Best no annual fee grocery credit card: AUB Easy Mastercard
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 sign 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. 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 should allow you to maximize the benefits you want from your card—be it rewards, cash back, 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.
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