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.

Short answer Best overall: Security Bank Complete Cashback Platinum. Best for travel and miles: HSBC Live+. Best for fuel: Security Bank Complete Cashback Platinum. The full list by category is just below.

Best credit cards in the Philippines by category (October 2026)

Top pick in each 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.

The monthly spending profile behind these rankings (the Philippines)

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.

What to know about the Philippines this month HSBC Live+ pays its higher cashback tiers only if you spend at least ₱10,000 a month on the card, and one ₱1,250 monthly cap is shared across its dining, shopping and travel tiers. The estimate here assumes you meet the spend. Philippine cashback cards usually cap rewards per statement cycle; the cap is what separates them, not the headline percentage. Most issuers waive the first-year annual fee; the fees shown are the ongoing amount from year two.

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.

Estimated net value per year on a typical monthly profile

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

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.

Estimated net value per year, profile weighted toward groceries and supermarkets

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

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.

Estimated net value per year, profile weighted toward fuel

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

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.

Estimated net value per year, profile weighted toward travel and miles

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

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.

Run your own numbers These are averages for a typical profile. Open any card page, or take the quiz, to see the estimate on your own spending. We never pull your credit report, and we earn a commission from some issuers only if you are approved, which does not change the ranking.

Comparisons

Best Credit Cards in the Philippines — October 2026 (Every Category)