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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

EastWest Bank

HSBC

Maybank

RCBC

Robinsons Bank

UnionBank

FEATURED

UnionBank Cash Back Visa Platinum

Annual Fee

₱ 4,500 per year

Min. Annual Income

₱ 180,000

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₱250,000 for non-carded applicants

Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

₱5,000 cash credits

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

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

₱5,000 cash credits

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

FEATURED

HSBC Live+ Credit Card

Annual Fee

₱ 5,000 per year

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Free on the first year

Min. Annual Income

₱ 400,000

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

JLab Go Air Tone True Wireless Earbuds

Valid until

31 May 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 May 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

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

JLab Go Air Tone True Wireless Earbuds; or
₱2,000 eGift

FEATURED

Metrobank Platinum Mastercard®

Annual Fee

Free

info

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

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₱58,333 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Moneymax Golden Giveaway

Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!

₱1,000 eGift

Valid until

31 May 2025

Things to consider for this product:

check

No Annual Fee

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Free reward points

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Dining discount

remove

High income requirement

Gift Options

WIN a Trip to Boracay for 2!; or
Trip to Coron for Two; or
Trip to Puerto Princesa for 2; or
GoPro HERO; or
₱10,000 Giftaway Voucher; or
JBL Soundgear Frames; or
JisuLife Ultra 1

Gift Options

₱1,000 eGift

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

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.

Cash Back Credit Cards in the Philippines

UnionBank Cash Back Visa Platinum

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Live+ Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

Robinsons Cashback

Things to consider for this product:

Quick Facts

UnionBank 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 Petron Card

Offer Available

Things to consider for this product:

Quick Facts

Maybank Platinum Mastercard

Things to consider for this product:

Quick Facts

Maybank Platinum Visa

Things to consider for this product:

Quick Facts

RCBC Landmark Anson's Mastercard

Things to consider for this product:

Quick Facts

RCBC Visa Infinite

Things to consider for this product:

Quick Facts

RCBC Zalora Credit Card

Things to consider for this product:

Quick Facts

BPI Amore Platinum Cashback Card

Offer Available

Things to consider for this product:

Quick Facts

EastWest Visa Platinum

Things to consider for this product:

Quick Facts

UnionBank Cash Back Visa Platinum

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Live+ Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Shell Power Visa Platinum

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?