March 19, 2026
If you’re already using a credit card for everyday purchases, you might be missing out if you’re not earning cashback. Think about it—every grocery run, fuel refill, or online order could actually put money back in your pocket.
That’s the beauty of cashback credit cards. Instead of just spending, you’re earning a portion of your money back. And in 2026, banks in the Philippines have stepped up their game, offering more competitive cashback rates, better categories, and flexible rewards systems.
But here’s the catch—not all cashback cards are created equal. Some are best for groceries, others for dining, while a few offer strong all-around rewards. The key is finding the one that matches your lifestyle.
To help you decide, here are 10 of the best cashback credit cards in 2026, along with detailed insights into how each one works and who it’s best for.
1. EastWest Visa Platinum
If you’re looking for one of the highest cashback rates in the Philippines, this card is hard to ignore. The EastWest Visa Platinum stands out with its impressive cashback across multiple spending categories.
Key Cashback Features:
- Up to 8.88% cashback on shopping, dining, fuel, and utilities
- 0.3% cashback on other purchases
- Monthly cashback cap applies
This card is perfect for people who spend regularly on lifestyle expenses. Whether it’s ordering food, booking travel, or paying bills, you’re consistently earning rebates.
Best for: Heavy spenders who want high cashback across multiple categories
2. BPI Amore Cashback Card
The BPI Amore Cashback Card is a favorite among Filipino households—and for good reason. It focuses on essential spending categories, making it ideal for everyday use.
Key Cashback Features:
- 4% cashback on groceries
- 1% cashback on drugstores and utilities
- 0.3% cashback on other purchases
If your monthly expenses revolve around groceries and bills, this card offers consistent savings.
Best for: Families and grocery-focused spending
3. HSBC Live+ Credit Card
For those who love dining out and enjoying entertainment, the HSBC Live+ card delivers strong cashback rewards in lifestyle categories.
Key Cashback Features:
- Up to 8% cashback on dining
- Up to 5% cashback on shopping and entertainment
This card is great if you frequently eat out, watch movies, or shop for leisure.
Best for: Foodies and lifestyle spenders
4. UnionBank Cash Back Visa Platinum
UnionBank’s cashback card is one of the most well-rounded options, especially for essential spending.
Key Cashback Features:
- Up to 6% cashback on groceries
- Up to 2% cashback on bills
- 0.2% cashback on other purchases
It’s a strong everyday card that rewards both groceries and utility payments.
Best for: Budget-conscious users managing household expenses
5. Metrobank Cashback Visa
The Metrobank Cashback Visa is ideal for families juggling multiple types of expenses.
Key Cashback Features:
- 5% cashback on groceries, telecom, and school-related spending
- Monthly rebate cap applies
This card stands out because it covers not just groceries—but also education and communication expenses.
Best for: Families with children or diverse monthly expenses
6. BPI Amore Platinum Cashback Card
If you want a more premium version of cashback rewards, the BPI Amore Platinum card is worth considering.
Key Cashback Features:
- Strong cashback on dining and lifestyle spending
- Enhanced rewards for higher spenders
This card is designed for people who spend more on experiences rather than just essentials.
Best for: Professionals and frequent diners
7. BPI Petron Credit Card
If you drive regularly, this card can help reduce your fuel expenses.
Key Cashback Features:
- 3% rebate on fuel purchases
- Fuel vouchers and promos for new users
Over time, these savings can add up—especially for daily commuters.
Best for: Car owners and frequent drivers
8. Maya Landers Cashback Everywhere Credit Card
This newer, digital-first credit card is gaining popularity among tech-savvy users.
Key Cashback Features:
- 1% cashback on all purchases
- Up to 5% cashback at partner stores
- Seamless app integration
Its simplicity makes it appealing—no complicated categories, just straightforward cashback.
Best for: Online shoppers and digital-first users
9. BDO American Express Cashback Card
If you frequently shop abroad or online internationally, this card offers solid value.
Key Cashback Features:
- 1% cashback on local spend
- 2% cashback on overseas transactions
It’s especially useful for travelers or those who shop from international websites.
Best for: International shoppers and travelers
10. Security Bank Cashback Options (e.g., Wave Mastercard)
Security Bank offers cashback-focused cards, particularly for online spending.
Key Cashback Features:
- Cashback on online transactions
- No annual fee options available (depending on card variant)
Community discussions also highlight these cards as practical options for everyday and online use.
“Security Bank Wave Mastercard… 1% cashback on online spend”
Best for: Online shoppers and budget-conscious users
Final Thoughts
Cashback credit cards are one of the easiest ways to save money without changing your spending habits. The key is choosing a card that matches your lifestyle.
Here’s a quick way to decide:
- Groceries & essentials: BPI Amore, UnionBank Cashback
- Dining & lifestyle: HSBC Live+, BPI Amore Platinum
- Fuel savings: BPI Petron
- All-around cashback: EastWest Visa Platinum
- Digital & online shopping: Maya Landers, Security Bank
The best card isn’t necessarily the one with the highest percentage—it’s the one that fits how you actually spend.
At the end of the day, a cashback credit card turns everyday purchases into real savings. Used wisely, it’s like getting paid to spend—something every smart consumer can appreciate in 2026.