Earn Cashback and Points with the Best Credit Card for Groceries

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 cash back 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. 

For more details and credit card options, read on.

Best Credit Cards for Groceries in the Philippines with Cashback

🛒 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: Tap It, Save Big: Top BPI Credit Card Promos for 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: 23 Exciting Deals and Discounts This 2023

🛒 Metrobank Cashback Visa

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

Make the most of your grocery spending with the Metrobank Cashback Visa credit card. Earn up to 5% cashback on your supermarket purchases, school, bookstore, cable and telecom spend, and streaming subscriptions.

With its balance conversion feature, you can pay for your groceries in installments with your Metrobank credit card.

Other features and benefits:

• Fast cash with your unused credit limit via Cash2Go 
• Bills payment via Bills2Pay
• 0% installment program payable in up to 24 months
• Discounts and privileges at M Here partner establishments 

Fees and charges:

• Annual fee: ₱3,500 
• Interest rate: 3%
• Late payment fee: ₱1,000 or unpaid minimum, whichever is lower
• Overlimit fee: ₱750 per occurrence 

🛒 RCBC Landmark Anson’s Mastercard

• 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% cash back 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

• 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 Classic Visa Card

• Grocery rewards earn rate: 1 point per ₱35 spend
• Minimum monthly income requirement: ₱15,000

The Classic Visa Card from UnionBank is one of the best credit cards with grocery rewards because of its fast earning rate. You earn one point for every ₱35 spent anywhere, including supermarkets, online stores, and food delivery apps.

Accumulated points can be redeemed for SM or Rustans gift certificates, cash rebates, annual fee waivers, and more!

Other features and benefits:

• 1 point per ₱35 spend on all other types of purchases
• Up to 36 monthly installment terms at 0% interest

Fees and charges:

• Annual fee: ₱1,500 (Free for life if you apply and get approved on or before July 31, 2023)^[1]
• Interest rate: 3%
• Late payment fee: ₱1,000
• Overlimit fee: ₱500

🛒 HSBC Red Mastercard

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

HSBC Red Mastercard gives one reward point per ₱20 spent on groceries. You can earn rewards even faster by buying items online, which offers four 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 12 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

🛒 Metrobank Rewards Plus Visa

• Grocery rewards earn rate: 2 points on online spend
• Minimum monthly income requirement: ₱15,000

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

Other features and benefits:

• One non-expiring point for every ₱20 spend
• Double reward 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

🛒 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

🛒 Security Bank Gold Mastercard

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

The Security Bank Gold Mastercard lets you earn one 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 reward 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: Dine and More for Less: Security Bank Credit Card Promos to Avail Of

🛒 China Bank Platinum Mastercard

• Grocery rewards earn rate: 1 Reward 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

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: PNB Credit Card Promos for 2023: Exclusive Deals and Privileges You Can Enjoy

🛒 AUB Easy Mastercard

• Grocery rewards earn rate: 1 Reward 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: Metrobank Cashback Card
• 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 Rewards Plus Card

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.

Source: ^[1] UnionBank Credit Card No Annual Fee Promo