Best Credit Cards in the Philippines — October 2026 (Every Category)
The best credit cards in the Philippines for October 2026: top picks for cashback, online shopping, dining, fuel, travel, lounge access and more, ranked by net annual value after fees and caps.
We picked a winner (honest math)
The best credit card in the Philippines for October 2026 depends on what you spend on, but on our standard monthly profile the highest net value comes from Security Bank Complete Cashback Platinum, at about ₱6,600 a year after fees and caps. Below, we rank the top cards in each category, using the same reward engine that powers every card page, and we show the assumptions so you can check them against your own spending.
Best credit cards in the Philippines by category (October 2026)
| Our pick | Best for | Est. net / year | Annual fee |
|---|---|---|---|
| Security Bank Complete Cashback Platinum | Everyday spending | ~₱6,600 | ₱3,000/yr |
| Security Bank Complete Cashback Platinum | Groceries and supermarkets | ~₱9,100 | ₱3,000/yr |
| Security Bank Complete Cashback Platinum | Fuel | ~₱8,900 | ₱3,000/yr |
| HSBC Live+ | Travel and miles | ~₱6,600 | ₱5,000/yr |
Estimates after annual fee and reward caps, on the profile described below. Your own number will differ.
How we picked these cards
Each ranking is a net annual value: the rewards a card pays on the monthly profile below, minus its annual fee and foreign-currency costs, after applying the monthly caps and the exclusions in its terms. Sign-up bonuses and travel insurance are left out, so a one-off bonus cannot outrank a card that pays every year. We assume a typical earner in the Philippines, around ₱30,000/mo, and leave out cards that need much more. Brand-linked cards (for example a fuel or e-commerce co-brand) are valued with an assumed share of spend at their partner, which is flagged in the "watch out for" column. All amounts are in Philippine pesos. Card details in this edition were last verified between July 2026.
| Category | Per month |
|---|---|
| Groceries | ₱8,000 |
| Dining and food delivery | ₱5,000 |
| Fuel | ₱4,000 |
| Online shopping | ₱7,000 |
| Travel | ₱3,000 |
| Bills and utilities | ₱3,500 |
| International spend | ₱1,500 |
| Everything else | ₱3,000 |
| Total per month | ₱35,000 |
Category lists re-weight this profile so the category being ranked is a large share of spend, as described in each section.
Best credit card for everyday spending in the Philippines
If you want one card for most of your spending in the Philippines, rank on what it earns across groceries, dining, online, bills and everything else, after fees and caps. This is the most "typical wallet" view, and it is where flat-rate and broad-bonus cards do best.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Security Bank Complete Cashback Platinum | ~₱6,600 | ₱3,000/yr | ₱25,000/mo | Cap: Shared ₱1,000/mo · ₱12,000/year cap. |
| BPI Amore Cashback | ~₱2,600 | ₱2,050/yr | ₱15,000/mo | Cap: ₱15,000/year rebate cap. |
| RCBC Flex Gold Visa | ~₱2,600 | ₱3,000/yr | ₱25,000/mo | Reward value is our estimate; confirm the points table. |
For everyday spending, Security Bank Complete Cashback Platinum leads at about ₱6,600 a year, with BPI Amore Cashback next at ₱2,600 and RCBC Flex Gold Visa at ₱2,600. The 61% lead is wide enough that you would need a very different spending mix to flip it. Check the monthly cap on the bonus rate and whether the card needs a minimum monthly spend before it pays out.
If you earn more than the typical income we assume, a higher-income card is worth a look: HSBC Live+ (asks for ₱33,334/mo) would net roughly ₱7,200 a year and Metrobank Cashback Visa (asks for ₱58,334/mo) would net roughly ₱3,500 a year.
Everyday picks on CardHungry
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Strong runner-up at ₱2,579/yr net — roughly ₱3,991 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Worth a look — ₱2,550/yr net among the eligible cards on this list.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Strong runner-up at ₱2,579/yr net — roughly ₱3,991 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Worth a look — ₱2,550/yr net among the eligible cards on this list.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Security Bank Complete Cashback Platinum₱6,570#1Security Bank Complete Cashback Platinum₱6,570
- #2BPI Amore Cashback₱2,579#2BPI Amore Cashback₱2,579
- #3RCBC Flex Gold Visa₱2,550#3RCBC Flex Gold Visa₱2,550
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for groceries in the Philippines
Grocery bonuses are common but often narrow: some cards pay only at named supermarkets, others cap the reward at a few hundred a month. We weighted groceries to about 40% of spend and looked at what the best cards keep.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Security Bank Complete Cashback Platinum | ~₱9,100 | ₱3,000/yr | ₱25,000/mo | Cap: Shared ₱1,000/mo · ₱12,000/year cap. |
| UnionBank Cash Back Visa Platinum | ~₱6,200 | ₱4,500/yr | ₱15,000/mo | Cap: ₱15,000/year. |
| BPI Amore Cashback | ~₱5,300 | ₱2,050/yr | ₱15,000/mo | Cap: ₱15,000/year rebate cap. |
Security Bank Complete Cashback Platinum keeps the most on this profile, roughly ₱9,100 a year; UnionBank Cash Back Visa Platinum comes in at ₱6,200, BPI Amore Cashback at ₱5,300. That lead of ₱3,800 a year is large, even with its ₱3,000/yr fee. Confirm the store types that count and the monthly cap, since groceries are a high-frequency, low-ticket category.
Groceries and supermarkets picks on CardHungry
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Strong runner-up at ₱2,579/yr net — roughly ₱3,991 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
UnionBank Cash Back Visa Platinum
UnionBank
Net / yr
₱2,029
Fee
₱4,500
Top
Up to 6% cashback
- ✓Worth a look — ₱2,029/yr net among the eligible cards on this list.
- ✓Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
BPI Amore Cashback
BPI
Net / yr
₱2,579
Fee
₱2,050
Top
4% cashback
- ✓Strong runner-up at ₱2,579/yr net — roughly ₱3,991 behind #1 on the same spend mix.
- ✓Best for groceries (supermarket) — 4% cashback, up to ₱15,000/year rebate cap.
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
UnionBank Cash Back Visa Platinum
UnionBank
Net / yr
₱2,029
Fee
₱4,500
Top
Up to 6% cashback
- ✓Worth a look — ₱2,029/yr net among the eligible cards on this list.
- ✓Best for groceries (supermarket) — Up to 6% cashback, up to ₱15,000/year.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Security Bank Complete Cashback Platinum₱6,570#1Security Bank Complete Cashback Platinum₱6,570
- #2BPI Amore Cashback₱2,579#2BPI Amore Cashback₱2,579
- #3UnionBank Cash Back Visa Platinum₱2,029#3UnionBank Cash Back Visa Platinum₱2,029
Estimated net value on a shared spend profile — not marketing headline rates.
Best fuel credit card in the Philippines
Fuel cards live and die on which pumps they cover and the monthly spend ceiling on the bonus. With fuel at about 40% of spend, this list favours cards with a real fuel rate over generic cashback.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Security Bank Complete Cashback Platinum | ~₱8,900 | ₱3,000/yr | ₱25,000/mo | Cap: Shared ₱1,000/mo · ₱12,000/year cap. |
| UnionBank Shell Power Visa Platinum | ~₱5,700 | ₱2,800/yr | ₱15,000/mo | Cap: ₱15,000/year cap. |
| RCBC Flex Gold Visa | ~₱3,500 | ₱3,000/yr | ₱25,000/mo | Reward value is our estimate; confirm the points table. |
Expect around ₱8,900 a year from Security Bank Complete Cashback Platinum, against ₱5,700 for UnionBank Shell Power Visa Platinum and ₱3,500 for RCBC Flex Gold Visa. Security Bank Complete Cashback Platinum is ₱5,400 a year ahead of the last card here, a lead that survives moderate changes in spending. The headline rate usually applies only at a named fuel brand, and the surcharge waiver has its own per-transaction limits.
Fuel picks on CardHungry
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Strong runner-up at ₱2,550/yr net — roughly ₱4,020 behind #1 on the same spend mix.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
UnionBank Shell Power Visa Platinum
UnionBank
Net / yr
-₱291
Fee
₱2,800
Top
Up to 5% cashback
- ✓Worth a look — -₱291/yr net among the eligible cards on this list.
- ✓Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Strong runner-up at ₱2,550/yr net — roughly ₱4,020 behind #1 on the same spend mix.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
Security Bank Complete Cashback Platinum
Security Bank
Net / yr
₱6,570
Fee
₱3,000
Top
5% cashback
- ✓Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
- ✓Best for groceries — 5% cashback, up to Shared ₱1,000/mo · ₱12,000/year cap.
UnionBank Shell Power Visa Platinum
UnionBank
Net / yr
-₱291
Fee
₱2,800
Top
Up to 5% cashback
- ✓Worth a look — -₱291/yr net among the eligible cards on this list.
- ✓Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Security Bank Complete Cashback Platinum₱6,570#1Security Bank Complete Cashback Platinum₱6,570
- #2RCBC Flex Gold Visa₱2,550#2RCBC Flex Gold Visa₱2,550
- #3UnionBank Shell Power Visa Platinum-₱291#3UnionBank Shell Power Visa Platinum-₱291
Estimated net value on a shared spend profile — not marketing headline rates.
Best travel and miles credit card in the Philippines
Travel cards trade higher fees for miles, lounge access and lower foreign-currency costs. This ranking puts travel and international spend at about 45% of the profile and values points at the rate in our catalog, so a card whose points you transfer at a better rate can do better than shown. Perks such as insurance are not in the numbers.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| HSBC Live+ | ~₱6,600 | ₱5,000/yr | ₱33,334/mo | Cap: Shared ₱1,250/statement cap. |
| RCBC Flex Gold Visa | ~₱1,800 | ₱3,000/yr | ₱25,000/mo | Reward value is our estimate; confirm the points table. |
| BDO American Express Cashback | ~₱230 | ₱3,000/yr | ₱35,000/mo | Overseas spend: 2% cashback. |
HSBC Live+ tops the travel and miles list (₱6,600 a year), ahead of RCBC Flex Gold Visa (₱1,800) and BDO American Express Cashback (₱230). That lead of ₱6,300 a year is large, even with its ₱5,000/yr fee. Check how points convert to miles or vouchers, and whether the lounge benefit needs a minimum spend.
Travel and miles picks on CardHungry
HSBC Live+ Credit Card
HSBC
Net / yr
₱7,174
Fee
₱5,000
Top
8% cashback
- ✓Best net value on this list — about ₱7,174/yr in your pocket after fees on typical spends.
- ✓Best for dining — 8% cashback, up to Shared ₱1,250/statement cap.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Strong runner-up at ₱2,550/yr net — roughly ₱4,624 behind #1 on the same spend mix.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
BDO American Express Cashback
BDO
Net / yr
₱930
Fee
₱3,000
Top
2% cashback
- ✓Worth a look — ₱930/yr net among the eligible cards on this list.
- ✓Best for overseas spend — 2% cashback.
RCBC Flex Gold Visa
RCBC
Net / yr
₱2,550
Fee
₱3,000
Top
2× Rewards Points
- ✓Strong runner-up at ₱2,550/yr net — roughly ₱4,624 behind #1 on the same spend mix.
- ✓Best for groceries, fuel, or travel (pick 3) — 2× Rewards Points, up to Modeled ~2% cash-equivalent.
HSBC Live+ Credit Card
HSBC
Net / yr
₱7,174
Fee
₱5,000
Top
8% cashback
- ✓Best net value on this list — about ₱7,174/yr in your pocket after fees on typical spends.
- ✓Best for dining — 8% cashback, up to Shared ₱1,250/statement cap.
BDO American Express Cashback
BDO
Net / yr
₱930
Fee
₱3,000
Top
2% cashback
- ✓Worth a look — ₱930/yr net among the eligible cards on this list.
- ✓Best for overseas spend — 2% cashback.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HSBC Live+ Credit Card₱7,174#1HSBC Live+ Credit Card₱7,174
- #2RCBC Flex Gold Visa₱2,550#2RCBC Flex Gold Visa₱2,550
- #3BDO American Express Cashback₱930#3BDO American Express Cashback₱930
Estimated net value on a shared spend profile — not marketing headline rates.
How to choose among these
- Start with where most of your money goes. A card that is third in a category you rarely use is worse than a modest card in the category you use daily.
- Check the monthly cap before the percentage. A 10% rate that stops at a small monthly ceiling can pay less than a flat 2% with no cap once you spend normally.
- Look at the fee against your real spending, not ours. Our table shows the fee and the spend at which it is waived, where the bank publishes one.
- Apply to one card first. Each application is a hard enquiry, and a decline on your first card makes the next harder.
Get a personalized recommendation
Articles are generic — your best card depends on income and spends. Match in 2 minutes, no CIC pull.
Start free matchRates, caps, and offers are sourced from public issuer and platform terms and may change — see how we calculate net annual value.
Frequently asked questions
What is the best credit card in the Philippines in October 2026?+
On our standard spending profile the highest net value comes from Security Bank Complete Cashback Platinum, at about ₱6,600 a year after fees and caps. The best card for you depends on where you spend, so use the category sections above: a card that wins on dining may be mediocre for fuel.
How are the rankings calculated?+
We estimate the annual rewards each card pays on a monthly spending profile, subtract the annual fee and foreign-currency costs, and apply the monthly caps and exclusions in each card’s terms. Points are valued at the rate in our catalog. Sign-up bonuses are left out so a one-off bonus cannot outrank a card that pays every year. Our methodology page documents each assumption.
Do I need a high income for these cards?+
Everyday lists assume an income around ₱30,000/mo and only include cards asking for that or less. Travel and lounge lists allow cards that ask for up to 2.5 times that. Each table shows the minimum income the bank states, and banks can still decline you for other reasons.
Does checking these cards affect my CIC score?+
No. CardHungry never pulls your CIC report. A hard enquiry happens only when you apply to the bank, so apply to one card you are likely to get rather than several at once.
How often is this list updated?+
We publish a new edition each month and update the numbers whenever a card’s terms change. This is the October 2026 edition; the next one is due in the first week of the following month. Every card page shows the date its details were last verified.