March 25, 2026
If you love eating out, shopping online, or treating yourself every now and then, the right credit card can make those experiences even more rewarding. Instead of just spending money, you can enjoy discounts, earn cashback, and unlock exclusive perks every time you swipe.
In 2026, many credit cards in the Philippines are designed specifically for lifestyle spending—especially dining and shopping. Whether you’re a foodie, a frequent online shopper, or someone who enjoys retail therapy, there’s a card that fits your habits.
Here are 5 credit cards with amazing dining and shopping perks that every Filipino should consider.
1. HSBC Live+ Credit Card
If your weekends are filled with restaurant visits, café hopping, and shopping trips, the HSBC Live+ Credit Card is a strong contender.
Key Perks:
- Up to 8% cashback on dining
- Up to 5% cashback on shopping and entertainment
- Exclusive dining promos and partner discounts
This card is designed for people who enjoy lifestyle spending. Whether you’re dining at your favorite restaurant or shopping for new clothes, you’ll earn meaningful cashback.
Why it stands out:
It offers one of the highest cashback rates for dining in the Philippines, making it perfect for food lovers.
Best for: Foodies and lifestyle spenders
2. BPI Amore Platinum Cashback Card
For those who want a more premium experience, the BPI Amore Platinum Cashback Card delivers both rewards and exclusivity.
Key Perks:
- High cashback on dining transactions
- Access to exclusive restaurant deals
- Lifestyle and shopping promos
This card goes beyond basic cashback—it offers curated deals and premium experiences, especially for dining and retail.
Why it stands out:
It combines luxury perks with practical rewards, making it ideal for professionals who enjoy upgrading their lifestyle.
Best for: Professionals and high spenders
3. EastWest Visa Platinum
If you want flexibility, the EastWest Visa Platinum is one of the best all-around cashback cards available.
Key Perks:
- Up to 8.88% cashback on dining and shopping
- Cashback on multiple categories including fuel and utilities
- Consistent rewards across everyday spending
This card doesn’t limit you to one type of expense—you can earn cashback whether you’re dining, shopping, or paying bills.
Why it stands out:
Its versatility makes it one of the most rewarding cards for both dining and shopping combined.
Best for: Users who want one card for everything
4. BDO American Express Cashback Card
For shoppers who love buying both locally and internationally, this card offers solid cashback benefits.
Key Perks:
- Cashback on all purchases
- Higher cashback for overseas spending
- Access to exclusive shopping promos
If you frequently shop online or buy from international brands, this card can help you maximize your spending.
Why it stands out:
It rewards global shopping, making it ideal for international purchases and online deals.
Best for: Online shoppers and international buyers
5. Security Bank Complete Cashback Platinum
The Security Bank Complete Cashback Platinum card is perfect for those who want rewards across multiple spending categories—including dining and shopping.
Key Perks:
- Cashback on dining, groceries, fuel, and shopping
- Tiered cashback structure for different categories
- High total cashback potential
This card is great for people who want to maximize cashback across their entire lifestyle—not just one category.
Why it stands out:
It offers a well-rounded cashback system that rewards both essential and lifestyle spending.
Best for: Families and all-around spenders
Final Thoughts
Dining and shopping are part of everyday life—but with the right credit card, they can also become opportunities to save and earn rewards.
Here’s a quick guide to choosing the right one:
- Best for dining: HSBC Live+, BPI Amore Platinum
- Best for shopping: BDO Amex Cashback
- Best all-around: EastWest Visa Platinum
- Best for families: Security Bank Complete Cashback
The key is to match your card with your spending habits. If you dine out often, choose a dining-focused card. If you shop online frequently, go for one with strong retail rewards.
At the end of the day, the best credit card isn’t about having more—it’s about getting more from what you already spend.