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Cash Back Credit Cards in the Philippines

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

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FEATURED
UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
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Min. Annual Income
₱ 180,000
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Monthly Effective Interest Rate
3  %

Offer Available

FREE Welcome Gift + No Annual Fees + Win ₱100,000 OR an iPhone 15 Pro Max!
Marshall Emberton II
Marshall Emberton II

+ 3 other gift options

Valid until

31 May 2024

Things to consider for this product:

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No annual fee

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Free reward points

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Accelerated rewards

FEATURED
HSBC Red Mastercard

HSBC Red Mastercard

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3  %

Offer Available

Enjoy No Annual Fees or Get a Welcome Gift!
No annual fees for life!
No annual fees for life!

+ 3 other gift options

Valid until

30 June 2024

Things to consider for this product:

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Accelerated rewards

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Shopping points

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Dining points

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Credit card required

FEATURED
Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
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Min. Annual Income
₱ 180,000
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Monthly Effective Interest Rate
3  %

Offer Available

No Annual Fees for Life + Welcome Gift!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

+ 2 other gift options

Valid until

31 May 2024

Things to consider for this product:

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No annual fee

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Dining points

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Free reward points

HSBC Gold Visa Cash Back

HSBC Gold Visa Cash Back

Annual Fee
₱ 2,500  per year
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Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3  %

Offer Available

Enjoy No Annual Fees or Get a Welcome Gift!
No annual fees for life!
No annual fees for life!

+ 3 other gift options

Valid until

30 June 2024

Things to consider for this product:

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Retail discount

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Petrol rebate

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Dining rebate

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Credit card required

Security Bank Complete Cashback Platinum Mastercard

Security Bank Complete Cashback Platinum Mastercard

Annual Fee
₱ 3,000  per year
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Min. Annual Income
₱ 780,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
JBL Wave Beam True Wireless Earbuds
JBL Wave Beam True Wireless Earbuds

+ 2 other gift options

Valid until

31 May 2024

Things to consider for this product:

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No-brainer rebate

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Petrol rebate

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Supermarket rebate

HSBC Platinum Visa

HSBC Platinum Visa

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 500,000
Monthly Effective Interest Rate
3  %

Offer Available

Get a FREE welcome gift!
JBL Flip 6
JBL Flip 6

+ 2 other gift options

Valid until

30 June 2024

Things to consider for this product:

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No-brainer rebate

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Travel rebate

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Credit card required

Robinsons Cashback

Robinsons Cashback

Annual Fee
₱ 2,500  per year
Min. Annual Income
₱ 180,000
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Monthly Effective Interest Rate
3  %

Things to consider for this product:

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No-brainer rebate

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Department store rebate

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Installment

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Exclusive discounts

UnionBank Platinum Mastercard

UnionBank Platinum Mastercard

Annual Fee
₱ 3,000  per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %

Offer Available

FREE Welcome Gift + Win ₱100,000 OR an iPhone 15 Pro Max!
Apple Airpods 2
Apple Airpods 2

+ 3 other gift options

Valid until

31 May 2024

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

BPI Amore Cashback Card

BPI Amore Cashback Card

Annual Fee
₱ 2,050  per year
Min. Annual Income
₱ 180,000
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Interest Rate
3  %

Things to consider for this product:

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No-brainer rebate

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Supermarket rebate

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Installment

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Exclusive discounts

Petron-BPI Card

Petron-BPI Card

Annual Fee
₱ 1,550  per year
Min. Annual Income
₱ 180,000
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Interest Rate
3  %

Things to consider for this product:

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No-brainer rebate

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Petrol rebate

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No Annual Fee

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Rebate cap applied

Maybank Platinum Mastercard

Maybank Platinum Mastercard

Annual Fee
₱ 3,500  per year
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Min. Annual Income
₱ 650,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

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Free reward points

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Overseas rebate

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Exclusive discounts

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High income requirement

Maybank Platinum Visa

Maybank Platinum Visa

Annual Fee
₱ 3,500  per year
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Min. Annual Income
₱ 650,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

Free reward points

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Overseas rebate

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Exclusive discounts

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High income requirement

RCBC Landmark Anson's Mastercard

RCBC Landmark Anson's Mastercard

Annual Fee
₱ 960  per year
Min. Annual Income
₱ 180,000
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Monthly Effective Interest Rate
3  %

Things to consider for this product:

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No-brainer rebate

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Supermarket rebate

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Installment

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Exclusive discounts

RCBC Visa Infinite

RCBC Visa Infinite

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 3,600,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

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No-brainer rebate

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Retail rebate

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Travel insurance

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High income requirement

RCBC Zalora Credit Card

RCBC Zalora Credit Card

Annual Fee
₱ 4,000  per year
Min. Annual Income
₱ 300,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

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Online shopping points

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Online shopping rebate

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Travel insurance

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Exclusive discounts

BPI Amore Platinum Cashback Card

BPI Amore Platinum Cashback Card

Annual Fee
₱ 5,000  per year
Min. Annual Income
₱ 1,000,000
Monthly Effective Interest Rate
3  %

Things to consider for this product:

check

No-brainer rebate

check

Dining rebate

check

Food delivery

remove

High income requirement

EastWest Visa Platinum

EastWest Visa Platinum

Annual Fee
₱ 3,600  per year
Min. Annual Income
₱ 1,000,000
Interest Rate
3  %

Things to consider for this product:

check

No-brainer rebate

check

Travel insurance

check

Annual Fee waiver

remove

High income requirement

UnionBank Cash Back Visa Platinum

UnionBank Cash Back Visa Platinum

Annual Fee
₱ 4,500  per year
Min. Annual Income
₱ 180,000
info
Interest Rate
3  %

Offer Available

FREE Welcome Gift + FREE ₱5,000 + Win ₱100,000 OR an iPhone 15 Pro Max!
Dolce Gusto Genio S Plus
Dolce Gusto Genio S Plus

+ 3 other gift options

Valid until

31 May 2024

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

Need some help?

No worries, we've got you covered!

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?

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  • 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.