#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.
Loading…
Age 21–65 · From ₱25,000/mo income · Unsecured
Cashback Kings·RCBC
RCBC Flex earns Rewards Points (2× preferred). Modeled as ~1–2% value — confirm redemption tables.
Age 21–65 · From ₱25,000/mo income · Unsecured
Key Benefits
All 8 benefits →Groceries, fuel, or travel (pick 3)
2× Rewards Points
Modeled ~2% cash-equivalent
Other spends
1× Rewards Points
Modeled ~1% cash-equivalent
Groceries, fuel, or travel (pick 3)
2×
Rewards Points (cap Modeled ~2% cash-equivalent) — Points-based — redemption value varies, not guaranteed cashback
Other spends
1×
Rewards Points — Modeled ~1% cash-equivalent
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: RCBC Flex Gold Visa product page (fact-checked Jul 2026) — points value estimated, confirm redemption tables
Flat cashback on spends — no points math
Source: RCBC Flex Gold Visa product page (fact-checked Jul 2026) — points value estimated, confirm redemption tables
Groceries, fuel, or travel (pick 3)
Points-based — redemption value varies, not guaranteed cashback
2× Rewards Points
Cap: Modeled ~2% cash-equivalent
Other spends
Modeled ~1% cash-equivalent
1× Rewards Points
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
₱2,550
per year
Annual fee
₱3,000
per year
Effective return
0.6%
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 · ₱25,000/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 ₱6,000/year. After the ₱3,000 annual fee, net value is approximately ₱2,550/year. Use the calculator above to model your own spends.
₱25,000/month for salaried applicants (indicative — bank decides).
.
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.
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.
