★ Top 4 Recommended Picks
Best overall cashback rate
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EastWest Visa Platinum
Top rate
8.88% ✦
Monthly cap
₱1,250
Annual fee
₱3,600
Fee waiver
₱1.5M spend/yr
NO min. spend to activate the accelerated rates. But since the monthly cap is ₱1,250, you can earn this after spending exactly ₱14,076.58 in the 8.88% categories.
₱5,000 welcome cash credit on first ₱10,000 spend within 2 months
Up to ₱20M travel accident insurance
₱1,250 monthly cap — best suited to moderate spenders; heavy spenders will hit the ceiling quickly
Best for lifestyle spenders
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HSBC Live+
Dining rate
8% ✦
Monthly cap
₱1,250
Annual fee
₱5,000
Shopping / Entertainment
5%
Min. spend per cycle: ₱10,000 required to unlock accelerated rates and reach the monthly cap of ₱1,250 — otherwise all spend earns a flat 0.2%.
HSBC Live Dining Programme — exclusive discounts at partner restaurants
₱1,250 monthly cap — best suited to moderate spenders; heavy spenders will hit the ceiling quickly
Best for motorists
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UnionBank · Shell Power Visa Platinum
Shell fuel rebate
5% ✦
Yearly cap
₱15,000
Annual fee
₱2,800
Min. spend
None
NO min. spend to activate the accelerated rates.
5% on toll load purchases & auto services — the go-to card for Filipino car owners
Non-expiring cashback · Redeem anytime via UnionBank Online app · Shell Go+ 5,000 welcome points
₱15,000 annual cap — there is no monthly cap, meaning you can earn this ₱15k in a few months if you spend a lot. This resets on January 1 every calendar year.
Best for Robinsons brand shoppers
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Robinsons Cashback Visa
Robinsons Brands
Up to 3% ✦
Yearly cap
₱20k
Annual fee
₱2,500
Other spend
0.3%
Min. spend per transaction: ₱1,000 to qualify for cashback. Robinsons Brands spend of ₱1,000–₱3,499 earns 1%; ₱3,500 and above earns 3%.
Free first year · ₱2,500 from year 2 · Exclusive promos at Robinsons Retail brands
Cashback accumulates annually and can be redeemed anytime via BPI Help & Support
₱20,000 annual cap — there is no monthly cap, meaning you can earn this ₱20k in a few months if you spend a lot. This resets on January 1 every calendar year.
Other Cards Worth Considering
Best for overseas spend
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BDO · American Express Cashback
Overseas rate
2% ✦
Monthly cap
No cap
Monthly fee
₱250
Local rate
1%
No min. spend — no rebate cap — no category restrictions. Flat-rate cashback on every peso.
Complimentary travel & inconvenience insurance
First year is free for supplementary cards also. Card fee is charged monthly instead of annually.
Flat 1% local rate is lower than category-specific cards — best paired with a dining or grocery card
Best for families
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Metrobank
Cashback Visa
Top rate
5%
Monthly cap
₱1,000
Annual fee
₱3,500
Fee waiver
₱250K spend/yr
Min. spend per cycle: ₱12,000 to unlock that 5%. Otherwise, your rewards drop to a terrible 0.2%.
Annual fee auto-waived when you hit ₱250,000 annual spend (Promo Window)
₱1,000 monthly cap — power spenders may hit ceiling quickly
Best for household spend
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UnionBank
Cash Back Visa Platinum
Grocery rate
Up to 6% ✦
Monthly cap
₱1,250
Annual fee
₱3,500
Meralco rate
2%
Min. spend per cycle: ₱10,000 on non-grocery, non-Meralco items (like dining, retail) to unlock that 6% and 2%. Otherwise, your grocery and Meralco spend drop to a terrible 0.2%.
Never-expiring cashback. Easy to redeem in-app
₱1,250 monthly cap — best suited to moderate spenders; heavy spenders will hit the ceiling quickly
No min. spend required
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EastWest
EveryDay Titanium Mastercard
Supermarkets
Up to 5% ✦
Monthly cap
₱1,000
Annual fee
₱2,800
Gas
Up to 5%
Min. spend per cycle: Tier System — need to spend on non-category items to unlock accelerated rates.
₱10,000+ to unlock 5%.
₱5,000 to ₱9,999 to unlock 3%.
Under ₱5,000 drops to 0.5%
₱10,000+ to unlock 5%.
₱5,000 to ₱9,999 to unlock 3%.
Under ₱5,000 drops to 0.5%
₱1,000 monthly cap — power spenders may hit ceiling quickly
Landers members only
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Maya · Landers Cashback Everywhere
Landers rate
Up to 5% ✦
Yearly cap
₱200k
Annual fee
Free for Life
Dining rate
2%
Min. spend per cycle: Tier System
· Below ₱20,000: 1% Landers, 1% Dining, 1% Everywhere else.
· Spend ₱20,000 to ₱49,999: 3% Landers, 2% Dining, 2% Everywhere else.
· Spend ₱50,000 and above: 5% Landers, 2% Dining, 2% Everywhere else.
· Below ₱20,000: 1% Landers, 1% Dining, 1% Everywhere else.
· Spend ₱20,000 to ₱49,999: 3% Landers, 2% Dining, 2% Everywhere else.
· Spend ₱50,000 and above: 5% Landers, 2% Dining, 2% Everywhere else.
Exclusions: Fuel, non-Landers supermarkets, pharma, utilities, telco & government do not earn cashback points
Doubles as Landers membership card · Apply & manage entirely through the Maya app
₱200,000 annual cap — there is no monthly cap, meaning you can earn this ₱200k in a few months if you spend a lot. This resets on your application month.
Requires an active Maya account + valid Landers membership — not available to non-members