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 allows you to track your grocery spending and manage your budget better. You can also get cash back, rewards, discounts, and other 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 might want to earn cash back or rewards with your card, or you might prefer something that lets you save on credit card fees.
Based on such criteria, here are our recommendations for the best credit card for groceries in the Philippines.
Best Credit Card for Groceries in the Philippines with Cash Back
Citi Cash Back Card
Grocery cash back rate: Up to 6%
Minimum monthly income requirement: ₱15,000 (for existing cardholders) / ₱20,833.33 (for first-time cardholders)
Citibank offers the highest rebate rate on grocery purchases in the Philippines through the Citi Cash Back Card. To qualify for the maximum 6% rebate, the total credit card transaction (excluding groceries and Meralco bill payments) must be at least ₱10,000 per month.
As such, this is the best credit card for people with large families. Savings from this grocery cash back credit card can reach up to ₱12,000 per year. Earned rebates don't expire, so they can be used at any time. This makes it one of the best credit cards for groceries and cash back.
Other features and benefits:
- ₱5,000 Giftaway eGift Certificate[1] for new Citi Cash Back Mastercard cardholders (until November 30, 2022)
- Up to 2% cash back on Meralco bill payments through Citibank Online
- 0.20% cash back on all other purchases
- ₱1,250 maximum monthly rebate
Fees and charges:
- Annual fee: ₱4,500 (free for the first year)
- Interest rate: 2%
- Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱1,500 or the highest overlimit amount, whichever is lower
Get a Free Gift When You Apply for a Citi Credit Card Through Moneymax
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
Read more: Moneymax Reviews: Save on Essentials with a Citi Cash Back Card
Security Bank Complete Cashback Platinum Mastercard
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Grocery cash back rate: 5%
Minimum monthly income requirement: ₱65,000
If you're looking for a second (or third) credit card to use only for essential purchases in the Philippines, this cash back credit card can give you the best value.
Security Bank Complete Cashback Platinum Mastercard's tiered cash back scheme makes it one of the best credit cards for gas and groceries. Grocery purchases earn the highest rebate at 5%, followed by gas, utility payments, dining, and shopping transactions. This lets you save as much as ₱12,000 cash back per year. You can also shop with ease at affiliated merchants worldwide.
Other features and benefits:
- Cash back on other essentials: fuel (4%), utilities (3%), dining (2%), and shopping (1%)
- ₱1,000 maximum monthly rebate
Fees and charges:
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 2%
- Late payment fee: ₱1,000 or unpaid minimum, whichever is lower
- Overlimit fee: ₱500
Read more:
- Enjoy Life’s Little Luxuries with These 12 Security Bank Credit Card Promos
- Enjoy These Credit Card Dining Promos―You Deserve It!
EastWest EveryDay Titanium Mastercard
Grocery cash back rate: 0.5% to 5%
Minimum monthly income requirement: ₱40,000
The EastWest EveryDay Mastercard is ideal for high-income earners who frequently purchase both essentials and non-essentials. The cash back you'll earn depends on how much you spend on non-essentials, i.e. purchases made at merchants other than supermarkets, gasoline stations, and drugstores.
You can earn the highest rebate of 5% on essential spending (groceries, fuel, and medicines) if your non-essential purchases reach at least ₱10,000 per month. If your total monthly non-essential purchase falls between ₱5,000 and₱ 10,000, you'll get a 3% rebate on your essential purchases. Lastly, if your total non-essential transaction for the month is below ₱5,000, your cash back on essential purchases will be 0.5%.
Both local and overseas purchases made using the card will earn cash back.
Other features and benefits:
- Up to 5% cash back on other essential purchases at gas stations and drugstores
- ₱1,000 maximum monthly rebate
Fees and charges:
- Annual fee: ₱2,800
- Interest rate: 2%
- Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱700
RCBC Landmark Anson’s Mastercard

Grocery cash back 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 cash back credit cards in the Philippines, the RCBC Landmark Anson’s Mastercard has no maximum rebate cap, which means there's no limit to the cash back 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 made from Mondays to Fridays are qualified 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:
- Annual fee: ₱80 per month
- Interest rate: 2%
- Late payment fee: ₱850 the minimum amount due, whichever is lower
- Overlimit fee: ₱600
Read more: 15 RCBC Credit Card Promos You Shouldn’t Miss in 2022
Robinsons Cashback Credit Card

Grocery cash back 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 cash back credit card.
Earn up to ₱20,000 rebate every year 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 cash back of up to 1% using this Robinsons credit card.
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: 2%
- Late payment fee: ₱750
- Overlimit fee: ₱750
Read more: Save Big Time with These Robinsons Bank Credit Card Promos in 2022
UnionBank Gold Mastercard
Grocery cash back 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 at any time.
Other features and benefits:
- 1% cash back on all purchases
- No maximum rebate cap
Fees and charges:
- Annual fee: ₱2,500
- Interest rate: 2%
- Late payment fee: ₱1,000
- Overlimit fee: ₱500
Read more: UnionBank Credit Card Promos: 23 Exciting Deals and Discounts This 2022
Best Credit Card for Grocery Rewards
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 4 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 until December 31, 2022[2]
- 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: ₱1,500
- Interest rate: 3.50%
- Late payment fee: ₱700 or the unpaid minimum balance, whichever is lower
- Overlimit fee: ₱500
Read more: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard
Citi Rewards Card
Grocery rewards earn rate: 1 point per ₱30 spend
Minimum monthly income requirement: ₱15,000 (for existing cardholders) / ₱20,833.33 (for first-time cardholders)
Citi Rewards is one of the best credit cards with grocery rewards because of its fast earn rate. You earn 1 point for every ₱30 spent anywhere, including supermarkets, online stores, and food delivery apps. You can earn as many points as possible—there's no earning limit. Accumulated points don't expire, too.
Other features and benefits:
- Annual fee: Free on the first year[3] for new cardholders
- 3x points on dining and shopping
- 1 point per ₱30 spend on all other types of purchases
Fees and charges:
- Annual fee: ₱2,500 (free for the first year)
- Interest rate: 2%
- Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱1,500 or the highest overlimit amount, whichever is lower
Read more: Moneymax Reviews: How Rewarding is a Citi Rewards Card?
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
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. You can choose to 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
- Interest rate: 2%
- Late payment fee: ₱850 or the minimum amount due, whichever is lower
- Overlimit fee: ₱600
Mercury Drug Citi Card
Grocery rewards earn rate: 5 points on up to ₱320,000 spend in Mercury Drug every month / 1 point per ₱200 spend anywhere
Minimum monthly income requirement: ₱15,000 (for existing cardholders) / ₱20,833.33 (for first-time cardholders)
If you often buy groceries and medicines at Mercury Drug, you might as well get this Citibank credit card. It provides a lot of benefits for loyal customers of the Philippines' leading pharmacy chain.
With this Citi card, you can get 5x points on up to ₱320,000 total monthly purchases at Mercury Drug. Purchases exceeding that monthly limit still earn 1 point per ₱200 spend. The same earn rate applies to transactions elsewhere (except for the drugstore chain's competitors) using the Mercury Drug Citi. This is one of Citi's best credit cards for groceries and health-related purchases.
Other features and benefits:
- 3x points on health, beauty, and wellness spend
- 3x points on overseas transactions
- 24/7 ambulance service within Metro Manila worth ₱10,000 once a year
Fees and charges:
- Annual fee: ₱2,000
- Interest rate: 2%
- Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
- Overlimit fee: ₱1,500 or the highest overlimit amount, whichever is lower
Read more: Citibank Credit Card Promo Offers to Check Out This Year
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
Best No Annual Fee Credit Cards for Groceries in the Philippines
AUB Easy Mastercard

Minimum monthly income requirement: ₱21,000
Aside from waived annual fees, this AUB credit card's payment flexibility makes it easy on the budget. Choose when, how often, and how much minimum amount to pay for your credit card bill. For instance, you can opt to set your due date/s every payday, whether it's 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 1 point per ₱20 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 ₱20 spend
- Flexible credit card payment frequency and due date
Fees and charges:
- Annual fee: No annual fee for life
- Interest rate: 2%
- Late payment fee: ₱750 or the minimum amount due, whichever is lower
- Overlimit fee: None
EastWest Platinum Mastercard
Minimum monthly income requirement: ₱150,000
With its zero annual fees and low interest rate, the EastWest Platinum Mastercard allows you to save on your credit card payment. This rewards credit card comes with a free virtual card for secure online shopping.
Key features and benefits:
- 1 rewards point per ₱40 spend
- Up to ₱20 million travel insurance
- 24/7 worldwide concierge service
Fees and charges:
- Annual fee: No annual fee for life
- Interest rate: 2%
- Late payment fee: ₱1,500 or the minimum amount due, whichever is lower
- Overlimit fee: ₱500
Citi Simplicity+ Card
Minimum monthly income requirement: ₱15,000 (for existing cardholders) / ₱20,833.33 (for first-time cardholders)
Simplicity+ is Citibank's no-frills credit card. With this card, you'll never be charged annual fees, late payment fees, and overlimit fees. You'll even get 10% cash back on interest charges when you pay at least your minimum balance on time.
Fees and charges:
- Annual fee: No annual fee for life
- Interest rate: 2%
- Late payment fee: None
- Overlimit fee: None
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
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 that lets them 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 when your transaction exceeds your credit limit.
Fees and charges:
- Annual fee: No annual fee for life
- Interest rate: 2%
- Late payment fee: None
- Overlimit fee: None
What is the Best Credit Card for Groceries in the Philippines?
After comparing the different options listed above, here are our top credit cards for grocery shopping:
- Best credit card with grocery cash back: Citi Cash Back Visa
- 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: Citi Rewards 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. Just 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 is ₱2,000 or below. Contactless payments don't require a signature or PIN.
Remember to clean your hands with water and soap or rubbing alcohol after every transaction. You can even clean your credit card with an alcohol-based sanitizer or disinfecting wipe after using it.
Final Thoughts
The best credit card for groceries in the Philippines is one that allows you to maximize the benefits you want to gain from your card—be it cash back, rewards, or savings on credit card fees. If you don't have any of these credit cards for groceries yet, apply for one now and start reaping the rewards.
Discover Other Top Credit Cards in the Philippines
Looking for the Philippines' best credit card for grocery shopping? Below is a list of top credit card features with discounts and other perks. Compare your options with Moneymax!
Category | Description |
---|---|
No Annual Fee Credit Cards | Want to save money with your credit card? Skip the annual fees with these top cards. |
Rewards Credit Cards | Earn more rewards points with these best rewards credit cards! Ideal for online shopping and everyday spending. |
Cashback Credit Cards | Earn cash rebates with every purchase with a cash back credit card. Ideal for groceries and dining. |
Travel Credit Cards | Are you a frequent traveler? These best travel credit cards are ideal for racking up air miles and other travel rewards. |
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