Which credit card has the highest cashback in the Philippines?

As of June 2026, the UnionBank Cash Back Visa Platinum (formerly the Citi Cash Back card) advertises the highest grocery cashback at up to 6%, but only if you spend at least ₱10,000 a month on other purchases and within a ₱1,250 per-cycle cap. For most people the BPI Amore Cashback is more accessible: 4% at supermarkets, marketed free for life (some sources note a ₱2,050 fee waived at ₱180k annual spend), and a low ₱180,000 income requirement.

Is the RCBC Flex or HSBC Red a cashback card?

No. The RCBC Flex Gold, HSBC Red, and Metrobank Titanium are rewards-points cards, not flat or category cashback cards. They earn points that you redeem for vouchers or miles, so we've left them off this cashback-specific list.

Do cashback credit cards have a cap?

Yes. Every cashback card here caps how much you can earn — for example ₱1,000/month on the Security Bank card and ₱15,000/year on the BPI and UnionBank cards. The headline rate also usually applies only to a specific category like groceries, not all spending.

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.

The quick answer (June 2026):

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.

UnionBank Cash Back Visa Platinum

UnionBank (formerly the Citi Cash Back Card) · Visa

up to 6% top cashback

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
📋 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

View UnionBank Cash Back Visa Platinum →

Landers Cashback Everywhere

Maya Bank × Landers · Visa

up to 5% top cashback

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
📋 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

View Landers Cashback Everywhere →

Security Bank Complete Cashback Platinum

Security Bank · Mastercard

up to 5% top cashback

5% groceries, 4% fuel, 3% bills, 2% dining, 1% on other shopping.

✅ Broad in-store spending across groceries, fuel and bills
📋 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

View Security Bank Complete Cashback Platinum →

BPI Amore Cashback

BPI · Visa

up to 4% top cashback

4% at supermarkets, 1% on drugstores & bills, 0.3% on everything else.

✅ Beginners and supermarket shoppers — lowest income bar, no annual fee
📋 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

View BPI Amore Cashback →

“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.

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. Card terms change and some issuer pages can't be read automatically — always confirm the current cashback rate, caps, fees, and income requirement on the issuer's official site before applying. Informational only, not financial advice.