If the biggest chunk of your monthly budget goes to supermarket purchases, then you deserve to have a good cash back credit card that will help you save money with your spending.
Read on to see which cash back credit cards in the Philippines are best to use at supermarkets.
Citi Cash Back Card
| Citi Cash Back Card at a Glance | |
| Annual Fee | First year is free
3,500 PHP |
| Supplementary Card Annual Fee | 1,750 PHP |
| Finance Charge | 3.5% |
| Cash Advance Fee | 3% or 500 PHP, whichever is high |
| Minimum Income Requirement | 15,000 PHP / month for credit cardholder
20,850 PHP / month if no existing credit card |
With the Citi Cash Back, you can receive up to 6% cash back on your supermarket spending. Use this card to settle your Meralco bills online or via Citi One Bill and you can get up to 2% cash back.
For all your other spending, earn 0.20% cash back.
For example, your supermarket expenses total to 15,000 PHP per month, and your Meralco bills amount to 5,000 PHP. For all your other purchases, let’s say you spend a total of 20,000 PHP. Here’s a sample breakdown of cash back that you can earn.
Note that this does not reflect the actual amount you will earn. It’s only for illustration purposes:
| Total monthly spend | 40,000 PHP |
| Total monthly cash back | 1,000 PHP |
| Annual cash back | 12,000 PHP |
With the right amount of spending (at least 10,000 PHP each month), you can save as much as 12,000 PHP per year.
Cash back that you earn with this credit card is also non-expiring.
Security Bank Complete Cash Back Card
| Security Bank Complete Cash Back Card at a Glance | |
| Annual Fee | 3,000 PHP |
| Supplementary Card Annual Fee | 1,500 PHP |
| Finance Charge | 3.5% |
| Cash Advance Fee | 5% of cash advance amount or 500 PHP, whichever is higher |
| Minimum Income Requirement | 30,000 PHP / month |
The Security Bank Complete Cash Back credit card offers cash back on the following categories:
- 5% cash back on groceries
- 4% cash back on gas
- 3% cash back on utilities
- 2% cash back on dining
- 1% cash back on shopping
You can also earn higher cash back as much as 5% when you fuel up at participating SeaOil branches in the country.
There is no minimum spend to earn cash back, but online and overseas transactions are not included.
You can earn as much as 12,000 PHP in cash back every year, and the maximum rebate you can earn per month is 1,000 PHP. No need to call the bank, too, because your cash back is automatically credited.
EastWest Bank EveryDay Card
| EastWest Bank EveryDay Card at a Glance | |
| Annual Fee | 2,800 PHP |
| Supplementary Card Annual Fee | 1,400 PHP |
| Finance Charge | 3.50% |
| Cash Advance Fee | 3% of the cash advance amount of 600 PHP, whichever is higher |
| Minimum Income Requirement | 40,000 PHP / month |
With the EastWest Bank Everyday Card, you can earn as much as 5% cash back on essential spending when you spend 10,000 PHP and above.
Earn 3% cash back when you spend below 10,000 PHP but more than 5,000 PHP, and 0.5% cash back when you spend below 5,000 PHP.
This is applicable on both local and overseas transactions, as long as they are non-installment transactions. However, wholesale purchases at warehouse club establishments, as well as auto-charged insurance premiums and Quick Bills payments are excluded.
The monthly cap for cash back that you can earn with this card is 1,000 PHP.
BDO American Express Cash Back Credit Card
| BDO American Express Cash Back Credit Card at a Glance | |
| Annual Fee | Free on the first year
3,000 PHP |
| Supplementary Card Annual Fee | Free on the first year
1,500 PHP |
| Finance Charge | 3.50% |
| Cash Advance Fee | 5% of the withdrawn amount or 500 PHP/10 USD, whichever is higher |
| Minimum Income Requirement | 35,000 PHP / month |
Being a premium credit card, you can also expect to receive premium perks and privileges with the BDO American Express Cash back credit card.
It’s pretty straightforward. Earn a 1% cash back for your local spending and 2% cash back for all your overseas spending.
There is no minimum spend amount to earn cash back, and there’s no limit to the cash back that you can earn per month. This makes it an ideal credit card for the wise shopper who wants to extend the value of their money.
Whether you’re doing your grocery shopping at SM Makati or Cold Storage in Singapore, you can expect to receive cash back on your purchases.
If you’re a new cardholder, you can also enjoy a 5% cash back within the first 3 months of issuance of your credit card.
UnionBank Platinum Mastercard
| UnionBank Platinum Mastercard at a Glance | |
| Annual Fee | 3,000 PHP |
| Supplementary Card Annual Fee | 1,500 PHP |
| Finance Charge | 3.50% |
| Cash Advance Fee | 6% of the cash advance amount or 300 PHP, whichever is higher |
| Minimum Income Requirement | 50,000 PHP / month |
With the UnionBank Platinum Mastercard, you can earn 1.5% cash back on all your spending anywhere. You don’t need to spend more on a specific spending category when you don’t have to.
The cash back that you earn also does not expire. Redeem anytime you want at your own convenience.
Just like the BDO American Express Cash Back, there’s no cap on how much cash back you can earn. You can earn savings on your spending with no limits!
HSBC Gold Visa Cash Back
| HSBC Gold Visa Cash Back at a Glance | |
| Annual Fee | 2,500 PHP |
| Supplementary Card Annual Fee | 1,250 PHP |
| Finance Charge | 3.50% |
| Cash Advance Fee | 3% of withdrawn amount of 500 PHP, whichever is higher |
| Minimum Income Requirement | 16,700 PHP / month |
You are entitled to earn cash back on your HSBC Gold Visa card as specified on the table below:
| Cash Back Category | Cash Back | Period |
| Dining Transactions | 5% | January to December |
| Back to School Transactions (including department store spending) | 1% | May to August |
| Overseas Transactions | 1% | January, April, May, December |
| All Other Transactions | 0.5% | January to December |
Your straight purchases, online transactions or foreign currency transactions are eligible to earn cash back.
The maximum cash back that you can earn with your principal card (including supplementary card) is 1,200 PHP per month.
Cash back that you will earn will be posted to your account on the fourth week of the following month. So if you earn cash back from transactions that you made from August 1 to 31, it will reflect in your account on the fourth week of September.
Do note that cash back cannot be exchanged for rewards or a Manager’s Check.
With the Gold Visa Cash Back, you can also earn a 3% cash back when you fuel up at participating Caltex stations in the Philippines.
Your fuel spending also earns you Bonus Points as well which you can use to redeem different items in the Rewards Catalogue.
Do you already own any of these cash back credit cards? Tell us what you think in the comments section.