#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 ₱25,000/mo income · Unsecured
Cashback Kings·Security Bank
Issuer tiers verified; fee ₱3,000 principal (supplementary T&Cs). Cap is shared across categories.
Age 21–65 · From ₱25,000/mo income · Unsecured
Key Benefits
All 11 benefits →Groceries
5% cashback
Shared ₱1,000/mo · ₱12,000/year cap
Fuel
4% cashback
Shared cap
Utilities
3% cashback
Shared cap
Dining
2% cashback
Shared cap
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: Security Bank Complete Cashback Platinum product page (fact-checked Jul 2026)
Flat cashback on spends — no points math
Source: Security Bank Complete Cashback Platinum product page (fact-checked Jul 2026)
Groceries
5% cashback
Cap: Shared ₱1,000/mo · ₱12,000/year cap
Example: ₱10,000/mo spend → ≈ ₱500/mo
Fuel
4% cashback
Cap: Shared cap
Example: ₱10,000/mo spend → ≈ ₱400/mo
Utilities
3% cashback
Cap: Shared cap
Example: ₱10,000/mo spend → ≈ ₱300/mo
Dining
2% cashback
Cap: Shared cap
Example: ₱10,000/mo spend → ≈ ₱200/mo
Online shopping
1% cashback
Cap: Shared cap
Example: ₱10,000/mo spend → ≈ ₱100/mo
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
₱6,570
per year
Annual fee
₱3,000
per year
Effective return
1.6%
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 ₱10,020/year. After the ₱3,000 annual fee, net value is approximately ₱6,570/year. Use the calculator above to model your own spends.
₱25,000/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.
RCBC Flex Gold Visa
2× Rewards Points · Cashback Kings
Strong runner-up at ₱2,550/yr net — roughly ₱4,624 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.
