BPI Amore Platinum Cashback Card
| Annual Fee | ₱5,000 |
| Minimum Annual Income | ₱1,000,000 |
| Interest Rate | 3% |
Card Details
- Allows you to enjoy cashback anywhere you shop or dine worldwide, whether in-store or online.
- Get cashback at your favorite restaurants or online food delivery services
- Earn cashback in supermarkets, department stores, and other shopping stores
- Enjoy cashback on all your other local or international spend, in-store or online
- Convert your credit limit to cash and pay it in installments up to 36 months.
- You can also avail of Cash Advance and withdraw up to 100% of your available credit limit.
- Enjoy real 0% installment, Buy Now Pay Later, and an additional installment limit with Bouns Madness Limit.
- Convert your straight purchases to installments with very low add-on rates
- Get unlimited access to Ayala Malls’ exclusive customer and family lounges and a 5% discount on your movie ticket purchase at the cinemas.
- New cardholders can also get complimentary parking tickets at select Ayala Malls as a welcome gift.
- Enjoy one of the lowest forex conversion rates of just 1.85%.
BPI Amore Platinum Cashback Card
Security Bank Complete Cashback Platinum Mastercard
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 780,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Free annual fee for the first year
- Enjoy up to 5% rebates on essential spend categories
- Exclusive access to Marhaba Lounge at NAIA 1 and 3
- Avail exclusive promos all year round
- Ideal for: money-savvy cardholders on a budget
Security Bank Complete Cashback Platinum Mastercard
HSBC Live+ Credit Card
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 200,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Up to 8% cashback on all dining spend
- Up to 5% cashback on shopping spend
- Up to 5% cashback on entertainment spend
- Ideal for: outgoing individuals craving for fun experiences
HSBC Live+ Credit Card
UnionBank Platinum Mastercard
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 600,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
UnionBank Platinum Mastercard
UnionBank Cash Back Visa Platinum
| Annual Fee | ₱ 4,500 per year |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
UnionBank Cash Back Visa Platinum
More ways to use your Cashback Credit Card
Everyday Purchases
Use your cashback credit card for regular expenses like groceries, gas, and utilities. Most cards offer 1–5% cashback on these categories, which adds up over time.
Big-Ticket Purchases
For larger purchases, such as electronics or appliances, using a cashback credit card allows you to earn rewards while covering significant costs.
Online Shopping
Many cashback cards offer bonus rewards for online shopping, especially if you shop through their associated portals or at select retailers.
Travel and Dining
Many cards offer higher cashback rates for travel-related expenses like flights, hotels, and car rentals, as well as dining out. This can help you save on vacations or frequent business trips.
Bill Payments
Paying monthly bills such as subscriptions, insurance premiums, or even taxes with a cashback credit card can earn you cashback while keeping your bills on track. Just be mindful of potential processing fees for some bill payments.
Get cashback credit card from 3 simple process
Obtaining a cashback credit card is usually a simple process that can be broken down into three easy steps:
Research and compare
Submit an application
Approval and activation
No overdraft Fees
Do all your banking safely and conveniently through our mobile app
Top credit card questions
A cashback credit card allows you to earn a percentage of your purchases back as cash rewards. Typically, the cashback is credited to your account or can be redeemed for statement credits, gift cards, or other rewards.
To maximize cashback, use your card for everyday purchases like groceries, gas, and bills, especially if your card offers higher cashback rates for these categories. Pay off your balance in full each month to avoid interest charges.
Some cashback credit cards have an annual fee, while others do not. Cards without fees typically offer lower cashback rates, but they can still be valuable if used strategically.
A flat-rate cashback card offers the same percentage of cashback on every purchase, while a rotating-category card offers higher cashback rates in specific categories (e.g., grocery stores or travel) that change quarterly.
Cashback earnings vary depending on the card. Some cards offer a flat rate (e.g., 1.5% cashback), while others offer higher rates in specific categories (e.g., 5% on groceries or gas). The amount you can earn depends on your spending habits and the card’s cashback structure.
Cashback credit cards offer rewards based on your spending. For example, you might earn 1% to 5% cashback on eligible purchases, with certain categories like groceries or gas earning higher rates. You can redeem the cashback as a credit or for other rewards.
Yes, cashback credit cards can be very worth it if used responsibly. You earn rewards on your spending, and many cards offer no annual fees or bonuses for sign-up. However, they are most beneficial when the balance is paid in full each month to avoid interest.
Cashback can usually be redeemed for statement credits, deposited into your bank account, or used for gift cards and other purchases. The exact redemption options depend on the card issuer.
Most cashback cards earn rewards on all purchases, though some cards may offer higher cashback in specific categories like groceries, dining, or travel. Be sure to check your card's terms for category details.
Most cashback credit cards do not expire, but some may impose limits or offer rewards that are only redeemable in specific time frames. Be sure to review your card's rewards program to understand any expiration policies.