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Cash Back Credit Cards in the Philippines

Q: What are the types of cashback credit cards?

Cards with Variable Cashback Rates. These cashback credit cards offer tiered rewards, with different rates for different spending categories. There’s a higher rebate rate for certain categories. So it makes sense to choose a cashback card with the highest rebate for the category you spend most often.Cards with a Fixed Cashback Rate. Cashback cards with a flat rate are simpler to use than those with variable rates. You earn a fixed rebate percentage on all purchases with your cashback credit card. No need to remember confusing spending categories and double-check them with the issuing bank.

Earn cash rebates on your purchases. Compare and find the best cash back credit card for you here!

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Annual Income

₱

Feature

Offers available

Annual fee waiver

FEATURED

UnionBank Rewards Credit Card

Annual Fee

Free

info

No annual fees for carded first-time UnionBank cardholders when you apply until June 30, 2024 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

4 Offers Available

WIN an iPhone 16 Plus!

WIN an Apple iPhone 16 Plus!

+ 3 other gift options

Valid until

07 April 2025

Get THIS welcome gift!

2x Xiaomi Smart Band 9

+ 3 other gift options

Valid until

16 February 2025

Get THIS welcome gift!

₱1,000 eGift

Valid until

28 February 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

31 December 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Gift Options

WIN an Apple iPhone 16 Plus!; or
Dyson V8 Slim Fluffy Vacuum; or
Nespresso Lattissima One; or
FujiFilm Instax Mini Evo

Gift Options

2x Xiaomi Smart Band 9; or
2x JBL Go 4 Ultra-Portable Bluetooth Speaker; or
2x Sony WH-CH520 Wireless Headphones; or
2x ₱1,000 eGift

Gift Options

₱1,000 eGift

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit Card Required: Not required

Required Documents :

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

FEATURED

HSBC Red Mastercard

Annual Fee

₱ 2,500 per year

Min. Annual Income

₱ 200,000

Monthly Effective Interest Rate

3 %

2 Offers Available

WIN an iPhone 16 Plus!

WIN an Apple iPhone 16 Plus!

+ 3 other gift options

Valid until

07 April 2025

Get THIS welcome gift!

Nescafe Dolce Gusto Piccolo XS

Valid until

28 February 2025

Get THIS welcome gift!

JBL Flip 6

Valid until

28 February 2025

Get THIS welcome gift!

JBL Clip 5

Valid until

28 February 2025

Get THIS welcome gift!

JBL Tune 520BT

Valid until

28 February 2025

Get THIS welcome gift!

₱3,000 eGift

Valid until

28 February 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Gift Options

WIN an Apple iPhone 16 Plus!; or
Dyson V8 Slim Fluffy Vacuum; or
Nespresso Lattissima One; or
FujiFilm Instax Mini Evo

Gift Options

Nescafe Dolce Gusto Piccolo XS; or
JBL Flip 6; or
JBL Clip 5; or
JBL Tune 520BT ; or
₱3,000 eGift

FEATURED

Metrobank Titanium Mastercard®

Annual Fee

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until August 31, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

WIN an iPhone 16 Plus!

WIN an Apple iPhone 16 Plus!

+ 3 other gift options

Valid until

07 April 2025

Get THIS welcome gift!

₱2,500 eGift

Valid until

28 February 2025

Get THIS welcome gift!

JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

28 February 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

28 February 2025

Get THIS welcome gift!

Dolce Gusto Genio S Basic

Valid until

28 February 2025

Get THIS welcome gift!

JBL Tune 115TWS

Valid until

28 February 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Gift Options

WIN an Apple iPhone 16 Plus!; or
Dyson V8 Slim Fluffy Vacuum; or
Nespresso Lattissima One; or
FujiFilm Instax Mini Evo

Gift Options

₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
JBL Tune 115TWS

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.

Self-Employed

Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline Required: Not required

What is a cashback credit card?

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A cashback credit card, also known as a rebate credit card, is a type of rewards card that earns you cash rebates for every purchase. These cards make your life simpler because unlike other rewards credit cards, you know exactly how much you’ll be paid back without dealing with complicated point systems.

How does a cashback credit card work?

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Using one is quite simple. When you shop using a rebate credit card, the issuing bank pays back a percentage—anywhere from 0.20% to 6%—of your monthly purchases into your credit card account. For instance, if a cashback credit card has 1% rebate, you’ll get ₱1 for every ₱100 qualified purchase.

What are the types of cashback credit cards?

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Cards with Variable Cashback Rates. These cashback credit cards offer tiered rewards, with different rates for different spending categories. There’s a higher rebate rate for certain categories. So it makes sense to choose a cashback card with the highest rebate for the category you spend most often.

Cards with a Fixed Cashback Rate. Cashback cards with a flat rate are simpler to use than those with variable rates. You earn a fixed rebate percentage on all purchases with your cashback credit card. No need to remember confusing spending categories and double-check them with the issuing bank.

How to redeem cashback or cash rebate?

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Typically, cash credits earned from spending with cashback cards are credited to the cardholder’s account every month. The credit card provider may or may not require redemption of cash rebates.

For example, HSBC and Security Bank automatically post cash credits to a credit card account, so cardholders don’t need to redeem.

Does a cashback credit card come with fees?

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Cashback credit cards aren’t exactly cheap to own. Their annual fees range from ₱2,500 to ₱3,500. Fortunately, interest rates in the Philippines are now capped at 2% so that’s one less worry for cardholders.

So when choosing a cashback credit card, make sure that the savings you’ll get from the rebates offset the high annual fee and interest rate. Consider also the other credit card fees that might cancel out your rewards.

Should I get a cashback credit card?

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Apart from its convenience and simplistic rewards system, credit cards with cashback can help you save money, cover some of your expenses, and even build a good credit history. Cashback credit cards in the Philippines vary not only in their rebate rates but also the ways to earn and redeem some cash back.

How do I choose the best credit card with cashback?

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Rebate Caps. Most credit cards with cashback in the Philippines put a limit on the amount you can earn every month. The maximum rebate is typically around ₱1,000. Once you exceed that, you can start earning cash rebates again at the start of the next cycle.

Non-Eligible Transactions. Certain types of transactions may not be eligible to earn rebates. Check the fine print for the exemptions to earning rebates from a cashback credit card.

Required Minimum Spend. To qualify for a certain cashback rate, you have to meet the bank’s minimum spend requirement.

Cashback Eligibility Period. Cashback rates for most rebate credit cards in the Philippines can be earned any time of the year. But some credit cards with cashback offer seasonal rebates for specific spending categories.

Cash Back Credit Cards in the Philippines

UnionBank Rewards Credit Card

4 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Mastercard

2 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

2 Offers Available

Things to consider for this product:

Quick Facts

Quick Facts

Need some help?

What is a cashback credit card?

How does a cashback credit card work?

What are the types of cashback credit cards?

How to redeem cashback or cash rebate?

Does a cashback credit card come with fees?

Should I get a cashback credit card?

How do I choose the best credit card with cashback?