Top 3 Cashback Cards Filipinos Should Have in 2025

In the Philippines, cashback credit cards have become a popular choice for consumers seeking to earn rewards on their everyday spending. These cards offer a straightforward way to save money, providing a percentage of your purchases back as a rebate. Whether you're a frequent shopper, a dining enthusiast, or someone who spends significantly on utilities, there's a cashback card tailored to your needs.

This comprehensive guide explores the top cashback credit cards available in the Philippines, offering insights into promo stacking strategies, a rewards calculator concept, point expiration policies, high-reward spending categories, and redemption options favored by millennials and Gen Z. By the end of this article, you'll be equipped with the knowledge to choose the best cashback credit card that aligns with your spending habits and financial goals.

Top 3 Cashback Credit Cards in the Philippines

When it comes to earning cashback on your everyday expenses, the right credit card can make all the difference. In the Philippines, several cashback credit cards offer impressive rewards across a variety of spending categories. Whether you're a frequent shopper, dining enthusiast, or someone who spends on utilities, the top cashback cards can help you make the most of your spending. Let’s take a closer look at three of the best options available in 2025:

1. UnionBank Rewards Credit Card

• Earn 3x non-expiring reward points on local and international purchases.
• No annual fee for life, making it cost-effective.
• Points can be redeemed for cash credits, gadgets, and air miles
• Ideal for frequent shoppers and diners.

2. HSBC Red Mastercard
   

• 4x bonus points on local and overseas dining, online shopping, and retail purchases.
• 6% rebate on your first Caltex fuel purchase, 3% year-round on fuel purchases.
• Points can be redeemed for gift certificates, appliances, and air miles
• Perfect for online shoppers and foodies.

3. Metrobank Titanium Mastercard

• 2x reward points on dining, department store, and online purchases.
• No annual fee for the first year, subject to meeting minimum spend requirements.
• Points can be redeemed for e-gift cards, air miles, and donations
• Great for frequent shoppers and dining enthusiasts.

Read more: Rebates Galore: 9 Best Cashback Credit Cards in the Philippines

Maximize Cashback with Smart Spending and Redemptions

Getting the most out of these best cashback credit cards means using them wisely—especially in high-reward categories, stacking promos, and redeeming points in ways that fit your lifestyle.

✅ High-Reward Categories

Beyond groceries and gas, cards like the HSBC Red Mastercard and Metrobank Titanium Mastercard^® reward dining, online shopping, and overseas purchases—perfect for frequent foodies, travelers, and digital shoppers.

✅ Promo Stacking = Bigger Savings

Combine your card’s cashback with exclusive merchant promos, discount codes, or seasonal offers. For example, using the UnionBank Rewards Credit Card during e-commerce sales can earn you 3x points plus additional merchant discounts or vouchers.

✅ Easy Redemptions Millennials & Gen Zs Love

These cards offer flexible redemptions like e-gift cards, gadgets, travel perks, or even mobile load. With non-expiring or easy-to-use rewards programs, you can redeem on your terms—no stress, just savings.

Read more: Get More Rewards: How to Earn Credit Card Points Quickly

Sample Rewards Calculator: Monthly Spending Breakdown

To help you determine which card offers the best value based on your spending habits, here's a breakdown of potential rewards for each featured card:

Note: Points are based on the standard earning rates for each card. Actual rewards may vary depending on specific promotions and spending patterns.

Credit Card Rewards Comparison: Point Expiration Policies

Understanding a credit card's point expiration policy is crucial in maximizing your rewards. Here's a comparison of the point expiration policies for the top three cashback credit cards:

The UnionBank Rewards Credit Card stands out with its non-expiring points, allowing you to accumulate rewards without the pressure of expiration. In contrast, the HSBC Red Mastercard and Metrobank Titanium Mastercard^® have points that expire after three years, which may influence your redemption strategy.

Cashback vs Rewards Card: Which One Works for You?

When choosing between a cashback credit card and a rewards credit card, your lifestyle and spending priorities matter.

• Cashback Cards (like the HSBC Red Mastercard or Metrobank Titanium Mastercard^®) are ideal for those who prefer instant savings on everyday expenses. You get a fixed percentage back—no need to track complicated points systems. This makes cashback cards straightforward and satisfying for budget-conscious users.
• Rewards Cards (such as the UnionBank Rewards Credit Card) work better for people who love to maximize value over time. Points can be converted into a variety of perks—from flights to shopping vouchers. If you’re strategic and patient, rewards cards can offer more flexibility and long-term benefit.

If you value simplicity and quick returns, a cashback card may suit you best. But if you enjoy optimizing for bigger redemptions like travel or premium items, a rewards card could be more rewarding.

Read more: Cashback vs Rewards Credit Card: How to Choose the Better Option

Final Thoughts

Choosing the best cashback credit card ultimately comes down to understanding your spending patterns and financial goals. Cards like the UnionBank Rewards Credit Card, HSBC Red Mastercard, and Metrobank Titanium Mastercard^® each offer unique benefits tailored to different types of consumers. Whether you’re looking for high cashback rates on dining, groceries, or utilities, or simply want to enjoy straightforward savings on everyday purchases, there’s a card that suits your needs.

To make the most of your card, remember to explore promo stacking strategies and take advantage of high-reward categories like dining, utilities, or even mobile load. Additionally, understanding how to redeem credit card points can help you unlock even more value. By comparing the credit card rewards programs, you can ensure you’re getting the most out of your spending and enjoying the benefits that matter most to you.

Want to find the best cashback card for your lifestyle? Use Moneymax’s credit card comparison tool to explore and compare your options, and maximize your rewards today!