Best Cashback Credit Cards in the Philippines
Real cashback cards compared on the things that matter — the actual rate, the cap, the annual fee, and the income you need. Rates as of June 2026.
Note: links go to each provider's official site. We don't currently earn a commission from them, and rankings are ordered on the merits, not on payouts.
- Most accessible: BPI Amore — 4% at supermarkets, marketed free for life (confirm the fee with BPI), only ₱180k/yr income.
- Highest grocery rate: UnionBank Cash Back — up to 6%, if you spend ₱10k+/mo elsewhere.
- No annual fee + high grocery: Landers Cashback Everywhere — up to 5% at Landers.
- There's no single "best" card — it depends on where you spend and the caps.
Up to 6% on groceries, up to 2% on Meralco, 0.20% on everything else.
- Heavy grocery + Meralco spenders who also spend ₱10k+/mo elsewhere
- Conditions. Boosted tiers require ₱10,000/mo of non-grocery spend (otherwise everything earns 0.20%). Cashback capped at ₱1,250 per statement cycle (~₱15,000/yr). 2% Meralco only when paid via UnionBank Online.
- Annual fee. ₱4,500/yr (not waivable)
- Income. ₱180,000/yr existing clients · ₱250,000/yr new-to-bank
- As of June 2026 · confidence: medium
3–5% at Landers (tiered by spend), 2% on dining, 1% on everything else.
- Landers Superstore shoppers wanting high grocery cashback with no card fee
- Conditions. Landers tiers per month: 3% on the first ₱20k, 4% on ₱20k–50k, 5% above ₱50k. Paid as points (1 pt = ₱1), capped at ₱200,000/yr. Requires an active Landers membership.
- Annual fee. No annual fee (Landers membership required)
- Income. No published minimum (age 21–65, regular income, Landers member)
- As of June 2026 · confidence: high
5% groceries, 4% fuel, 3% bills, 2% dining, 1% on other shopping.
- Broad in-store spending across groceries, fuel and bills
- Conditions. Total cashback capped at ₱1,000/mo (₱12,000/yr) across all categories. Earned on in-store (swiped) local purchases only — online/overseas are excluded.
- Annual fee. ₱3,000/yr, waived the first year
- Income. ₱780,000/yr
- As of June 2026 · confidence: medium
4% at supermarkets, 1% on drugstores & bills, 0.3% on everything else.
- Beginners and supermarket shoppers — lowest income bar, no annual fee
- Conditions. Total cashback capped at ₱15,000/yr. Works in-store and online; forex/international earns the base rate.
- Annual fee. Marketed free for life (some sources: ₱2,050 waived at ₱180k annual spend)
- Income. ₱180,000/yr (~₱15,000/mo)
- As of June 2026 · confidence: high
“Top cashback” is the highest category rate (e.g. groceries), not a flat rate on all spending — always check the category, monthly/annual cap, and conditions above. The best card depends on where you actually spend.
Why some popular cards aren't here
Several cards frequently marketed as "cashback" are actually rewards-points cards — you earn points to redeem for vouchers or miles, not a cash rebate. To keep this list honest, we've left them off: RCBC Flex Gold Visa, HSBC Red Mastercard, Metrobank Titanium Mastercard. They can be great rewards cards, just not cashback cards — see our best rewards credit cards.
How to choose a cashback card
- Match the card to your biggest expense. Grocery-heavy? UnionBank (6%) or BPI/Landers. Fuel and bills too? Security Bank's broad tiers.
- Mind the cap. A high rate with a ₱1,000/month cap maxes out fast — the cap often matters more than the headline rate.
- Check the annual fee vs. your cashback. A ₱4,500 fee eats a lot of cashback; low- or no-fee cards (BPI, Landers) win for lighter spenders.
- Confirm you meet the income requirement before applying — a rejection can ding your record.
Use cashback responsibly
Cashback only pays off if you pay your balance in full every month. Philippine credit-card interest runs around 3% per month (~36%+ a year), which dwarfs any cashback. Treat the card like a debit card you settle monthly.
Not sure how much you can afford to charge and repay? Start from your net salary with the Take-Home Pay Calculator, and see where to keep your savings in our digital bank rate comparison.
Rates as of June 2026. Issuers change card terms without notice — always confirm the current cashback rate, caps, fees, and income requirement on the issuer's official site before applying. Informational only, not financial advice.