#1₱6,570/yr
Security Bank Complete Cashback Platinum
5% cashback · Cashback Kings
Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
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Cashback Kings·HSBC
HSBC notices/T&Cs: accelerated 8%/5%/2% only if ≥₱10k/statement; else 0.2%. Cap ₱1,250 shared (Caltex separate).
Age 21–65 · From ₱33,334/mo income · Unsecured
Key Benefits
All 8 benefits →Dining
8% cashback
Shared ₱1,250/statement cap
Shopping, entertainment & travel
5% cashback
Shared cap
Fuel (Caltex)
3% cashback
₱600/mo · first fill 6%, then 3%
Dining
8%
cashback (cap Shared ₱1,250/statement cap) — Requires ≥₱10,000/statement spend, else 0.2%
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: HSBC Live+ Credit Card notices & T&Cs (fact-checked Jul 2026)
Flat cashback on spends — no points math
Source: HSBC Live+ Credit Card notices & T&Cs (fact-checked Jul 2026)
Dining
Requires ≥₱10,000/statement spend, else 0.2%
8% cashback
Cap: Shared ₱1,250/statement cap
Example: ₱10,000/mo spend → ≈ ₱800/mo
Shopping, entertainment & travel
ChangedFrom Jul 2026 travel boost
5% cashback
Cap: Shared cap
Example: ₱10,000/mo spend → ≈ ₱500/mo
Fuel (Caltex)
3% cashback
Cap: ₱600/mo · first fill 6%, then 3%
Example: ₱10,000/mo spend → ≈ ₱300/mo
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
₱7,174
per year
Annual fee
₱5,000
per year
Effective return
1.7%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₱5,000 · Forex 2.5% — tap for full fees
Joining fee
Charged in first year
₱5,000
Annual / renewal fee
Charged every year unless waived
₱5,000
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 · ₱33,334/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 ₱12,624/year. After the ₱5,000 annual fee, net value is approximately ₱7,174/year. Use the calculator above to model your own spends.
₱33,334/month for salaried applicants (indicative — bank decides).
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Deeper rankings and comparisons for similar use cases.
Security Bank Complete Cashback Platinum
5% cashback · Cashback Kings
Best net value on this list — about ₱6,570/yr in your pocket after fees on typical spends.
RCBC Flex Gold Visa
2× Rewards Points · Cashback Kings
Strong runner-up at ₱2,550/yr net — roughly ₱4,020 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.
