#1₱7,174/yr
HSBC Live+ Credit Card
8% cashback · Cashback Kings
Best net value on this list — about ₱7,174/yr in your pocket after fees on typical spends.
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Age 21–65 · From ₱35,000/mo income · Unsecured
Cashback Kings·BDO
Not a dining 6% card — BDO Amex Cashback pays flat local/overseas rates with no rebate cap.
Age 21–65 · From ₱35,000/mo income · Unsecured
Key Benefits
All 9 benefits →Overseas spend
2% cashback
No rebate cap
Local spend
1% cashback
No minimum spend required
Overseas spend
2%
cashback — No rebate cap
Local spend
1%
cashback — No minimum spend required
Zero sales calls. Ever.
Caps & exclusions verified · 2026-07-30
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: BDO American Express Cashback issuer page (fact-checked Jul 2026)
Flat cashback on spends — no points math
Source: BDO American Express Cashback issuer page (fact-checked Jul 2026)
Overseas spend
No rebate cap
2% cashback
Example: ₱10,000/mo spend → ≈ ₱200/mo
Local spend
No minimum spend required
1% cashback
Example: ₱10,000/mo spend → ≈ ₱100/mo
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
₱930
per year
Annual fee
₱3,000
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₱3,000 · Forex 2.5% — tap for full fees
Joining fee
Charged in first year
₱3,000
Annual / renewal fee
Charged every year unless waived
₱3,000
Forex markup
2.5%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · ₱35,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₱35,000/mo), gross rewards are about ₱4,380/year. After the ₱3,000 annual fee, net value is approximately ₱930/year. Use the calculator above to model your own spends.
₱35,000/month for salaried applicants (indicative — bank decides).
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Deeper rankings and comparisons for similar use cases.
HSBC Live+ Credit Card
8% cashback · Cashback Kings
Best net value on this list — about ₱7,174/yr in your pocket after fees on typical spends.
Security Bank Complete Cashback Platinum
5% cashback · Cashback Kings
Strong runner-up at ₱6,570/yr net — roughly ₱604 behind #1 on the same spend mix.
RCBC Flex Gold Visa
2× Rewards Points · Cashback Kings
Worth a look — ₱2,550/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
