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Cash Back Credit Cards in the Philippines

Q: What are the types of cashback credit cards?

Cards with Variable Cashback Rates. These cashback credit cards offer tiered rewards, with different rates for different spending categories. There’s a higher rebate rate for certain categories. So it makes sense to choose a cashback card with the highest rebate for the category you spend most often.Cards with a Fixed Cashback Rate. Cashback cards with a flat rate are simpler to use than those with variable rates. You earn a fixed rebate percentage on all purchases with your cashback credit card. No need to remember confusing spending categories and double-check them with the issuing bank.

Earn cash rebates on your purchases. Compare and find the best cash back credit card for you here!

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Annual Income

₱

Feature

Offers available

Annual fee waiver

BPI

HSBC

Metrobank

RCBC

UnionBank

UnionBank Cash Back Visa Platinum

Cashback Supermarket

Up to 6 %

Annual Fee

₱ 4,500 per year

Min. Annual Income

₱ 180,000

info

₱250,000 for non-carded applicants

2 Offers Available

No Minimum Spend Required!

Apple AirPods 4

Valid until

31 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

31 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

31 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

31 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

31 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

₱5,000 eGift

Valid until

31 December 2025

Things to consider for this product:

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Supermarket rebate

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Exclusive discounts

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Good for beginners

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Rebate cap applied

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Gift Options

₱5,000 eGift

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Any government-issued & signed identification document
Photocopy of the latest BIR Form 2316 or W2
Original Certificate of Employment and Income (COEI)
1 month original pay slip

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline requirement: Not required

UnionBank Platinum Mastercard

Cash Back - Base Rate

1 %

info

Earn 1% cash back on all spending categories.

Annual Fee

₱ 3,000 per year

Min. Annual Income

₱ 600,000

Offer Available

No Minimum Spend Required!

Apple AirPods 4

Valid until

31 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

31 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

31 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

31 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

31 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

31 July 2025

Things to consider for this product:

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No-brainer rebate

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Overseas rebate

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Airport lounge

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High income requirement

Terms and Conditions :

Step to Apply :

Cash Advance Monthly Effective Interest Rate: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 600000

Landline Required: Not required

UnionBank Shell Power Visa Platinum

Cashback Petrol

5 %

info

5% rebate on Shell fuel spend

Annual Fee

₱ 2,800 per year

Min. Annual Income

₱ 180,000

info

₱180,000 for carded individuals; ₱250,000 for non-carded individuals

Offer Available

No Minimum Spend Required!

Apple AirPods 4

Valid until

31 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

31 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

31 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

31 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

31 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

Generous rebates

check

Exclusive discounts

check

Ideal for car owners

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Proof of income: Signed Certificate of Employment, BIR 2316, latest 3 months payslips or ITR, 3 months copy of your Bank Statement of Account from another bank, proof of pension

Eligibility :

Minimum Age: 18 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline requirement: Not required

HSBC Live+ Credit Card

Cashback Dining

8 %

info

Minimum spend of ₱10,000 required. Rebates capped at ₱1,250 per month/cutoff.

Annual Fee

₱ 5,000 per year

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Free on the first year

Min. Annual Income

₱ 400,000

Offer Available

No Minimum Spend Required!

₱3,500 eGift

Valid until

31 July 2025

No Minimum Spend Required!

₱3,500 Philippine Airlines Voucher

Valid until

31 July 2025

No Minimum Spend Required!

JBL Clip 5

Valid until

31 July 2025

No Minimum Spend Required!

Nescafe Dolce Gusto Piccolo XS

Valid until

31 July 2025

Things to consider for this product:

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Generous cashback on all dining spend

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Exciting cashback rates for fun

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Exclusive deals in Southeast Asian countries

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Credit card required

Metrobank Platinum Mastercard®

Rewards - Dining Spend

Up to 50 %

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Up to 50% off on premium dining offers.

Annual Fee

Free

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Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until June 30, 2025 and meet an annual spend of ₱400,000. After the No Annual Fee promo, annual fee is ₱5,000.

Min. Annual Income

₱ 700,000

info

₱58,333 Monthly

Offer Available

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No Annual Fee

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Free reward points

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Dining discount

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High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 700000

Landline Required: Not required

BPI Amore Cashback Card

Cashback Supermarket

4 %

Annual Fee

₱ 2,050 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Offer Available

No Minimum Spend Required!

₱2,000 eGift

Valid until

31 July 2025

No Minimum Spend Required!

Anker Soundcore V20i

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Dustmite Wired Vacuum

Valid until

31 July 2025

Things to consider for this product:

check

No-brainer rebate

check

Supermarket rebate

check

Installment

check

Exclusive discounts

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 180000

Landline requirement: Required

BPI Amore Platinum Cashback Card

Cashback Dining

4 %

info

Get 4% cash back on dining and online delivery spend.

Annual Fee

₱ 5,000 per year

Min. Annual Income

₱ 1,000,000

Offer Available

No Minimum Spend Required!

₱2,000 eGift

Valid until

31 July 2025

No Minimum Spend Required!

Anker Soundcore V20i

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Dustmite Wired Vacuum

Valid until

31 July 2025

Things to consider for this product:

check

No-brainer rebate

check

Dining rebate

check

Food delivery

remove

High income requirement

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1-year primary credit cardholders, a copy of your credit card statement from another bank.

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 1000000

Landline Required: Required

BPI Petron Card

Cashback Petrol

3 %

info

3% rebate on Petrol fuel transactions (maximum of ₱15,000 per year)

Annual Fee

₱ 1,550 per year

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Offer Available

No Minimum Spend Required!

₱2,000 eGift

Valid until

31 July 2025

No Minimum Spend Required!

Anker Soundcore V20i

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Dustmite Wired Vacuum

Valid until

31 July 2025

Things to consider for this product:

check

No-brainer rebate

check

Petrol rebate

check

No Annual Fee

remove

Rebate cap applied

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 60 years old

Min. Annual Income: ₱ 180000

Landline requirement: Required

RCBC Visa Infinite

Cash Back - Retail Spend

5 %

info

Get 5% rebate at any local or international clothing shops.

Annual Fee

₱ 6,000 per year

Min. Annual Income

₱ 2,000,000

Offer Available

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No-brainer rebate

check

Retail rebate

check

Travel insurance

remove

High income requirement

What is a cashback credit card?

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A cashback credit card, also known as a rebate credit card, is a type of rewards card that earns you cash rebates for every purchase. These cards make your life simpler because unlike other rewards credit cards, you know exactly how much you’ll be paid back without dealing with complicated point systems.

How does a cashback credit card work?

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Using one is quite simple. When you shop using a rebate credit card, the issuing bank pays back a percentage—anywhere from 0.20% to 6%—of your monthly purchases into your credit card account. For instance, if a cashback credit card has 1% rebate, you’ll get ₱1 for every ₱100 qualified purchase.

What are the types of cashback credit cards?

expand_more

Cards with Variable Cashback Rates. These cashback credit cards offer tiered rewards, with different rates for different spending categories. There’s a higher rebate rate for certain categories. So it makes sense to choose a cashback card with the highest rebate for the category you spend most often.

Cards with a Fixed Cashback Rate. Cashback cards with a flat rate are simpler to use than those with variable rates. You earn a fixed rebate percentage on all purchases with your cashback credit card. No need to remember confusing spending categories and double-check them with the issuing bank.

How to redeem cashback or cash rebate?

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Typically, cash credits earned from spending with cashback cards are credited to the cardholder’s account every month. The credit card provider may or may not require redemption of cash rebates.

For example, HSBC and Security Bank automatically post cash credits to a credit card account, so cardholders don’t need to redeem.

Does a cashback credit card come with fees?

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Cashback credit cards aren’t exactly cheap to own. Their annual fees range from ₱2,500 to ₱3,500. Fortunately, interest rates in the Philippines are now capped at 2% so that’s one less worry for cardholders.

So when choosing a cashback credit card, make sure that the savings you’ll get from the rebates offset the high annual fee and interest rate. Consider also the other credit card fees that might cancel out your rewards.

Should I get a cashback credit card?

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Apart from its convenience and simplistic rewards system, credit cards with cashback can help you save money, cover some of your expenses, and even build a good credit history. Cashback credit cards in the Philippines vary not only in their rebate rates but also the ways to earn and redeem some cash back.

How do I choose the best credit card with cashback?

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Rebate Caps. Most credit cards with cashback in the Philippines put a limit on the amount you can earn every month. The maximum rebate is typically around ₱1,000. Once you exceed that, you can start earning cash rebates again at the start of the next cycle.

Non-Eligible Transactions. Certain types of transactions may not be eligible to earn rebates. Check the fine print for the exemptions to earning rebates from a cashback credit card.

Required Minimum Spend. To qualify for a certain cashback rate, you have to meet the bank’s minimum spend requirement.

Cashback Eligibility Period. Cashback rates for most rebate credit cards in the Philippines can be earned any time of the year. But some credit cards with cashback offer seasonal rebates for specific spending categories.

Cash Back Credit Cards in the Philippines

UnionBank Cash Back Visa Platinum

2 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Platinum Mastercard

Offer Available

Things to consider for this product:

Quick Facts

UnionBank Shell Power Visa Platinum

Offer Available

Things to consider for this product:

Quick Facts

HSBC Live+ Credit Card

Offer Available

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

BPI Amore Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

BPI Amore Platinum Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

BPI Petron Card

Offer Available

Things to consider for this product:

Quick Facts

RCBC Visa Infinite

Offer Available

Things to consider for this product:

Quick Facts

Quick Facts

Need some help?

What is a cashback credit card?

How does a cashback credit card work?

What are the types of cashback credit cards?

How to redeem cashback or cash rebate?

Does a cashback credit card come with fees?

Should I get a cashback credit card?

How do I choose the best credit card with cashback?