#1₱2,550/yr
RCBC Flex Gold Visa
2× Rewards Points · Cashback Kings
Best net value on this list — about ₱2,550/yr in your pocket after fees on typical spends.
Loading…
Age 21–65 · From ₱15,000/mo income · Unsecured
Cashback Kings·BPI
Issuer: 4% supermarkets, 1% drugstores/utilities, 0.3% other local — not dining/fuel. Annual rebate cap ₱15,000.
Age 21–65 · From ₱15,000/mo income · Unsecured
Key Benefits
All 11 benefits →Groceries (supermarket)
4% cashback
₱15,000/year rebate cap
Drugstores & utilities
1% cashback
Shared with grocery cap
Other local retail
0.3% cashback
Lounge
Ayala Malls lounge access
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: BPI Amore Cashback product page (fact-checked Jul 2026)
Flat cashback on spends — no points math
Source: BPI Amore Cashback product page (fact-checked Jul 2026)
Groceries (supermarket)
4% cashback
Cap: ₱15,000/year rebate cap
Example: ₱10,000/mo spend → ≈ ₱400/mo
Drugstores & utilities
1% cashback
Cap: Shared with grocery cap
Example: ₱10,000/mo spend → ≈ ₱100/mo
Other local retail
0.3% cashback
Example: ₱10,000/mo spend → ≈ ₱30/mo
Lounge access
Ayala Malls lounge access
Forex markup
1.85%
Based on moderate spend for this market
Est. net annual
₱2,579
per year
Annual fee
₱2,050
per year
Effective return
0.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₱2,050 · Forex 1.85% — tap for full fees
Joining fee
Charged in first year
₱2,050
Annual / renewal fee
Charged every year unless waived
₱2,050
Forex markup
1.85%
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 · ₱15,000/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 ₱4,962/year. After the ₱2,050 annual fee, net value is approximately ₱2,579/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
Dining, Fuel.
Deeper rankings and comparisons for similar use cases.
RCBC Flex Gold Visa
2× Rewards Points · Cashback Kings
Best net value on this list — about ₱2,550/yr in your pocket after fees on typical spends.
UnionBank Cash Back Visa Platinum
Up to 6% cashback · Cashback Kings
Strong runner-up at ₱2,029/yr net — roughly ₱521 behind #1 on the same spend mix.
BDO American Express Cashback
2% cashback · Cashback Kings
Worth a look — ₱930/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
