October 2026. The top pick in every category, ranked by what you keep after fees.
Best overall: Security Bank Complete Cashback Platinum
About ~₱6,600 a year after fees and caps, on a typical month of spending.
Best for fuel
Security Bank Complete Cashback Platinum: ~₱8,900 a year. Annual fee: ₱3,000/yr.
Best for travel and miles
HSBC Live+: ~₱6,600 a year. Annual fee: ₱5,000/yr.
Net value per year: rewards minus fees, after monthly caps. No sign-up bonuses, no sponsored ranking.
All 4 lists, the assumptions, and what to check before you apply.
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