• Best Cash Back Credit Cards in the Philippines

    Credit Card
    Annual Fee
    Reward type
    BDO American Express Credit Card
    Annual Fee:
    P1,600
    Free for 1st year
    Reward type:
    Travel, Shopping, Utilities and Dining
    BDO American Express Gold Credit Card
    Annual Fee:
    P3,000
    Free for 1st year
    Reward type:
    Travel, Shopping, Utilities and Dining
    BDO American Express Platinum Credit Card
    Annual Fee:
    P5,000
    Free for 1st year
    Reward type:
    Travel, Shopping, Utilities, Dining, Entertainment and Premium
    East West Bank Everyday Mastercard
    Annual Fee:
    P2,800
    Reward type:
    Insurance , Gas, Groceries, Shopping and Dining
    Citi Cash Back Card
    Annual Fee:
    P2,800
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping, Utilities and Dining
    PNB Platinum MasterCard
    Annual Fee:
    P2,500
    Reward type:
    Travel, Insurance, Groceries, Shopping, Dining and Premium
    Security Bank Gold Mastercard
    Annual Fee:
    P2,000
    Reward type:
    Travel, Groceries, Shopping, Utilities, Dining and Entertainment
    Union Bank Platinum Visa Card
    Annual Fee:
    P3,000
    Reward type:
    Travel, Insurance, Shopping and Premium
    Union Bank Platinum Mastercard
    Annual Fee:
    P3,000
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment
    Standard Chartered Platinum Cash Rewards Card
    Annual Fee:
    P2,750
    Free for 1st year
    Reward type:
    Travel, Gas, Groceries, Shopping, Dining and Premium

    When we think of opting for a credit card, it goes without saying, that we choose the one which offers the most attractive perks every time we spend, especially when we spend big on our purchases. We could be spending a large amount of money on vacations or even at the sale that we have been waiting months for. We all want to get the maximum benefit out of the credit card we opt for so that spending is fun and we don’t look back with remorse on our spending decisions.

    The cashback feature of credit cards is one of the most attractive and sought after ones all over the world, and in the Philippines. What exactly is the cashback feature, you may ask?

    Cashback is an incentive based program for all credit card holders. With this feature, a certain amount of the money that you spend on your purchases is refunded into your account. Usually, cardholders receive up to 2% of their expenditure. This could be a monthly or yearly rebate. Based on your credit card spending, you could save thousands every year.

    But do we know which are the best cash back credit cards in the Philippines? Do we know which one will actually get cash back into our otherwise empty wallets?

    Here is a list of the top credit cards in the Philippines that offer the best cash back deals:

    Union Bank Platinum Credit Card

    Cash Back Rate: 1.5% on every purchase made

    Maximum Cash Back Annually: no cap

    Perks & Benefits: Apart from accumulated cashback, you receive exclusive access to Club Manila Lounge NAIA Terminal 1.

    Annual Subscription Fee: P3,000

    With the Union Bank’s Platinum Card series, you receive longer credit terms that allow you to enjoy up to 53 days of interest free period. While you receive 1.5% cashback on purchases made with this card, the rewards accumulated does not expire and you can redeem them at your convenience. Travellers also get access to the exquisite Club Manila Lounge with the Union Bank Platinum Credit Card.

    Eastwest Bank Everyday MasterCard

    Cash Back Rate: You can avail 5% cash back on purchases at gas stations, supermarkets and drug stores. 0.3% on all other purchases made with this credit card.

    Maximum Cash Back Annually: no cap

    Perks & Benefits: All rewards and rebates are automatically credited to the account along with convert to installment facility on all purchases made at partner stores.

    Annual Subscription Fee: Free for the first year. off. P2,800 second year onwards.

    With the East West Bank Everyday MasterCard, you get an immediate 5% rebate on all your essential purchases, some of which are purchases at supermarkets, gas stations and drug stores in the country when you spend at least P10,000 on all other expenses.

    Standard Chartered Platinum Cash Rewards

    Cash Back Rate: 3% on department stores and dining spends. 0.3% cashback on all other spends.

    Maximum Cash Back Annually: No cap

    Perks & Benefits: Exclusive Visa Platinum Privileges

    Annual Subscription Fee: Free for the first year. . P2,750 second year onwards.

    If you are a shopaholic and foodie, Standard Chartered platinum cash back card will be your best friend. You receive more attractive rebates when you dine at establishments that are partnered with Visa. Some of the other freebies include premiere access to the Visa Platinum Club and complimentary gifts for golfers.

    Philippines National Bank Platinum MasterCard

    Cash Back Rate: 0.5% on every purchase made

    Maximum Cash Back Annually: no cap

    Perks & Benefits: Purchase protection and attractive deals on travel insurance.

    Annual Subscription Fee: Free for the first year. P2,500 second year onwards.

    Apart from the unlimited cash back you can earn from PNB Platinum MasterCard, you also receive travel and transport accident insurance of up to P3 million. The cashback program also rewards you with 1 point for every P50 spent on your purchases made with this particular credit card.

    BDO Amerian Express Cash Back Credit Card

    Cash Back Rate: 1% on all local purchases. 2% on all purchases made overseas.

    Maximum Cash Back Annually: no cap

    Perks & Benefits: Benefits from the AmEx Selects Program and global acceptance of the credit card.

    Annual Subscription Fee: P1,600

    This special credit card is co branded with American Express and is best suited for travelers and young professionals. With this credit card, you also become a part of the AmEx Selects Program, which not only gives you freebies on purchases, but great offers from time to time with which you can get cash backs of up to 5%.

    Citi Cash Back Credit Card

    Cash Back Rate: 0.2% on all purchases

    Maximum Cash Back Annually: P12,000

    Perks & Benefits: 6% cash back at supermarkets, Meralco Enrollment and 2% cash back on all your Meralco Bills.

    Annual Subscription Fee: P3,500

    Citi cash back credit card is perfect for for anyone in family who pays bills and buys the groceries. If you spend P10,000 on non-supermarket or non-Meralco bills, you will enjoy 6% rebate at supermarkets and 2% on every Meralco bill. You also receive 0.2% cashback on all other purchases.

    Security Bank Complete CashBack MasterCard

    Cash Back Rate: 5% cashback on all supermarket purchases, 4% cashback at gas stations, 3% cashback on all utility bills, 2% cash back on dining bills and 1% cashback on all other shopping deals.

    Maximum Cash Back Annually: P12,000

    Perks & Benefits: 5 tiered rewards and rebates

    Annual Subscription Fee: P3,000

    Anyone using this cashback MasterCard for all the above mentioned purchases will receive rebates up to P1,000 every month which will be automatically credited to their monthly bills. This need not be called for redemption.

    The Complete Cashback MasterCard from Security Bank offers the most lucrative rebates among all other credit cards and in the merchant partnerships that it covers. This Security bank credit card also comes with an auto-rebate feature where there is no cap on the minimum spend required to avail this rebate.

    The credit cards mentioned above are some of the best cash back credit cards in the Philippines that offer rewards which are of benefit to everyone who want to own a credit card.

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