Earn Points and Cashback: 13 Best Credit Cards for Grocery Shopping

Venus Zoleta

Venus Zoleta

Last updated June 20, 2024

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:

Credit Card Grocery-Related Benefits
UnionBank Rewards Credit Card
2023 UnionBank Rewards VISA
APPLY NOW
Grocery rewards earn rate: 1 point per ₱30 spend
UnionBank Cash Back Visa Platinum
unionbank cashback visa platinum
APPLY NOW
Grocery cashback rate: Up to 6%
Metrobank Titanium Mastercard®
METROBANK TITANIUM MASTERCARD
APPLY NOW
Grocery rewards earn rate: 2x points on online spend / 1 point per ₱20 spend on all other categories
HSBC Red Mastercard
hsbc red
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Grocery rewards earn rate: 4x points per ₱20 online spend / 1 point per ₱20 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 per ₱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: 3% 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 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. 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

🎁 Free Gift from Moneymax: Marshall Emberton II, Dolce Gusto Genio S Plus, Apple AirPods 2, or JBL Tune 720BT, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

Get a Marshall Emberton II worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, JBL Tune 720BT Wireless Headphones worth ₱4,699, or Giftaway cash credits 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 June 30, 2024 only.

Per DTI Fair Trade Permit No. FTEB-193077 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193104 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-194518 Series of 2024. Terms and conditions apply.

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, 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

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or JBL Clip 5

moneymax metrobank credit card promo

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

Promo period: Until June 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 Dolce Gusto Piccolo XS worth ₱5,199, a JBL Clip 5 worth ₱3,799, or Giftaway cash credits worth ₱2,500.

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

Per DTI Fair Trade Permit No. FTEB-194371 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: 4x bonus points per ₱20 online, dining, shopping, and overseas spend / 1 point per ₱20 spend
  • Minimum monthly income requirement: ₱16,667.67

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) 
  • 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 2023


🎁 Free Gift from Moneymax: Giftaway Cash Credits, JBL Flip 6, or JBL Wave Beam

moneymax hsbc credit card promo

Eligible cards: HSBC Red Mastercard and Gold Visa Cash Back

Promo period: Until June 30, 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 cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Wave Beam worth ₱3,799

This Moneymax HSBC Giftaway/JBL promo runs until June 30, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-192974 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: ₱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

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

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 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

UnionBank Cash Back Visa Platinum Credit Card
  • 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

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

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, JBL Charge 5 Speaker, or Sony WH-CH520 Wireless Headphones

security bank welcome gift

Eligible cards: Gold Mastercard, Complete Cashback Platinum Mastercard, Platinum Mastercard, World Mastercard

Promo period: Until June 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: ₱2,500 Giftaway cash credits, a JBL Charge 5 worth ₱7,599, or Sony WH-CH520 Wireless Headphones worth ₱3,299.

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

Per DTI Fair Trade Permit No. FTEB-194368 Series of 2024.  Terms and conditions apply. 


🛒 BPI Amore Cashback Card

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

RCBC Landmark Ansons
  • 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

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

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

AUB Easy Mastercard-1
  • 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

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 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.

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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