| 1 | PNB-The Travel Club Platinum Mastercard PNB | No annual fee For life, no conditions | - | 1% rebate on The Travel Club installment transactions | 3% at the cap, BSP Circ. 1165 | carrying a balance (3% a month) | PNB-The Travel Club Platinum Mastercard page |
| 2 | Security Bank Wave Mastercard Security Bank | No annual fee effective 29 August 2025 For life, no conditions | ₱480,000 a year | 1% cash back on online purchases, minimum ₱1,000 online spend, capped at ₱250 a month and ₱3,000 a year | 3% at the cap, BSP Circ. 1165 | earners under ₱480,000 a year; carrying a balance (3% a month) | Security Bank fee table, 29 August 2025 income and earn rate: card page |
| 3 | RCBC Landmark Anson's Mastercard RCBC | ₱80 a month First-year membership fee waived | - | 3% rebate on Monday to Friday straight-charge purchases at The Landmark Department Store, Landmark Supermarket and Anson's, with no cap | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱960 a year; heavy spending abroad (3.5% foreign fee) | RCBC Credit Cards fees and charges income and earn rate: card page |
| 4 | EastWest foodpanda Visa EastWest | ₱1,200 a year No annual fee in the first year | ₱480,000 a year | 10% cash back on the first ₱4,000 of foodpanda orders a month and 3% after, 1% on international purchases, 0.3% on everything else; capped at ₱1,000 a statement cycle | 3% at the cap, BSP Circ. 1165 | earners under ₱480,000 a year; anyone whose perks will not cover ₱1,200 a year | EastWest credit card fees and charges income and earn rate: card page |
| 5 | Petron BPI Card BPI | ₱1,550 a year effective July 2026 Waived in the first year. First supplementary card free for life | - | Earn fuel rebate of 3%. Get it at any Petron station nationwide. | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱1,550 a year; carrying a balance (3% a month) | BPI fee table, July 2026 income and earn rate: card page |
| 6 | BPI Amore Cashback Card BPI | ₱2,050 a year effective July 2026 Waived in the first year. First supplementary card free for life | - | Earn 4% on supermarkets, 1% on drug stores and utilities, and 0.3% on everything else. | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱2,050 a year; carrying a balance (3% a month) | BPI fee table, July 2026 income and earn rate: card page |
| 7 | PNB Cashback Titanium Mastercard PNB | ₱2,500 a year effective June 2026 Free for the first year. Supplementary cards have no annual fee for life | ₱120,000 a year | 8% on Wellness (January to March), Leisure (April to June), Homecare (July to September) and Retail (October to December); 3% on Dining and Online Spend (January to December); 0.2% on all your other purchases. | 3% at the cap, BSP Circ. 1165 | earners under ₱120,000 a year; anyone whose perks will not cover ₱2,500 a year | PNB fee table, June 2026 income: PNB Credit Card Application Form (PNBCardsOmnibusAF_JUN2026) |
| 8 | Robinsons Cashback Card BPI | ₱2,500 a year effective July 2026 Waived in the first year. First supplementary card free for life | - | 3% rebate on purchases of PHP 3,500 or more, and 1% on a spend of PHP 1,000 to PHP 3,499, at Robinsons brands and affiliate stores. | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱2,500 a year; carrying a balance (3% a month) | BPI fee table, July 2026 income and earn rate: card page |
| 9 | Toyota Mastercard Metrobank | ₱2,500 a year effective 15 June 2026 Waived in the first year. Supplementary: free for life on the 1st supplementary | ₱180,000 a year | 3% fuel rebate at Petron | 3% at the cap, BSP Circ. 1165 | earners under ₱180,000 a year; anyone whose perks will not cover ₱2,500 a year | Metrobank fee table, 15 June 2026 income: Metrobank credit card comparison |
| 10 | UnionBank Gold Mastercard UnionBank | ₱2,500 a year effective July 2025 | ₱360,000 a year | 1% cash back on all purchases | 3% at the cap, BSP Circ. 1165 | earners under ₱360,000 a year; anyone whose perks will not cover ₱2,500 a year | UnionBank fee table, July 2025 income: UnionBank credit card requirements |
| 11 | UnionBank Shell Power Visa Gold UnionBank | ₱2,500 a year effective July 2025 | - | Up to 5% rebate on Shell fuel, toll load and auto services with ₱10,000 monthly spend elsewhere (otherwise 3% on Shell fuel), up to ₱10,000 a year | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱2,500 a year; carrying a balance (3% a month) | UnionBank fee table, July 2025 income and earn rate: card page |
| 12 | Toyota Platinum Mastercard Metrobank | ₱2,800 a year effective 15 June 2026 Waived in the first year. Supplementary: free for life on the first two supplementary | ₱350,000 a year | 3% rebate on toll fees and fuel at all gas stations; Combined rebate of PHP 15,000 annually | 3% at the cap, BSP Circ. 1165 | earners under ₱350,000 a year; anyone whose perks will not cover ₱2,800 a year | Metrobank fee table, 15 June 2026 income: Metrobank credit card comparison |
| 13 | UnionBank Shell Power Visa Platinum UnionBank | ₱2,800 a year effective July 2025 Advertised with "No Annual Fee for Life" under the Shell Power No Annual Fees promo, terms apply | ₱180,000 a year | 5% rebate on Shell fuel, toll load and auto services, up to ₱15,000 a year | 3% at the cap, BSP Circ. 1165 | earners under ₱180,000 a year; anyone whose perks will not cover ₱2,800 a year | UnionBank fee table, July 2025 income: UnionBank card comparison |
| 14 | BDO American Express Cashback Credit Card BDO | ₱250 a month effective September 2026 Your first year's membership fee is on us! | ₱396,000 a year | Earn 1% cashback on local purchases and 2% cashback on overseas purchases. | 3% at the cap, BSP Circ. 1165 | earners under ₱396,000 a year; anyone whose perks will not cover ₱3,000 a year | BDO fee table, September 2026 income and earn rate: card page |
| 15 | China Bank @home Visa Platinum China Bank | ₱3,000 a year | ₱250,000 a year | 5% family cash back, up to ₱1,500 a month across all categories | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱250,000 a year | China Bank @home Visa Platinum fees and charges (table image, as of October 2025) income and earn rate: card page |
| 16 | UnionBank Lazada Credit Card UnionBank | ₱3,000 a year effective July 2025 | ₱360,000 a year | ₱6 in Lazada Credits per ₱200 spent at Lazada, ₱1 per ₱200 elsewhere | 3% at the cap, BSP Circ. 1165 | earners under ₱360,000 a year; anyone whose perks will not cover ₱3,000 a year | UnionBank fee table, July 2025 income: UnionBank card comparison |
| 17 | China Bank Platinum Mastercard China Bank | ₱3,500 a year effective February 2023 Waived for the first year | ₱250,000 a year | 5% rebate on fuel at any local gas station | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱250,000 a year | China Bank fee table, February 2023 income and earn rate: card page |
| 18 | China Bank Velvet Visa Signature China Bank | ₱3,500 a year effective February 2023 Waived for the first year | ₱250,000 a year | ₱800 cash back when you spend at least ₱8,000 on the 8th of the month | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱250,000 a year | China Bank fee table, February 2023 income and earn rate: card page |
| 19 | Maybank Platinum Mastercard Maybank | ₱3,500 a year effective 10 February 2023 Automatically waived with 12 uses (online, dip or tap) or ₱60,000 of spend in a year | ₱650,000 a year | 1% cashback on overseas spend | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱650,000 a year | Maybank fee table, 10 February 2023 income and earn rate: card page |
| 20 | Metrobank Cashback Visa Metrobank | ₱3,500 a year effective 15 June 2026 Waived in the first year. Supplementary: free for life on the 1st supplementary | ₱480,000 a year | Get up to PHP 12,000 rebate per year; Up to 5% rebate on groceries, telecom, school and bookstore spend, if outstore spend of PHP 12,000 is met; 0.2% Rebate on other purchases | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱480,000 a year | Metrobank fee table, 15 June 2026 income: Metrobank Cashback Visa page |
| 21 | China Bank Cash Rewards Mastercard China Bank | ₱299 a month effective February 2023 Waived for the first year | ₱250,000 a year | Up to 6% cash rebate | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱250,000 a year | China Bank fee table, February 2023 income and earn rate: card page |
| 22 | EastWest Visa Platinum EastWest | ₱4,000 a year Automatically waived upon reaching Php 1.5Mn accumulated spend for the past 12 months from card anniversary date | ₱1,000,000 a year | 8.88% Cash Rewards on straight charges at department stores, restaurants, fast food and food delivery, airlines, hotels, travel, vehicle rental, fuel and utilities; 0.3% on all other categories | 3% at the cap, BSP Circ. 1165 | earners under ₱1,000,000 a year; light spenders, who pay the ₱4,000 fee | EastWest credit card fees and charges income and earn rate: card page |
| 23 | ZALORA Credit Card by RCBC RCBC | ₱4,000 a year First-year membership fee waived | - | 6% ZALORA Cashback on ZALORA purchases and up to 2% cashback on other online purchases; Rewards Points on other spend | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱4,000 a year; heavy spending abroad (3.5% foreign fee) | RCBC Credit Cards fees and charges income and earn rate: card page |
| 24 | UnionBank Cash Back Titanium Mastercard UnionBank | ₱4,500 a year effective July 2025 | - | Up to 6% on supermarket purchases, up to 2% on Meralco bills, 0.20% on everything else | 3% at the cap, BSP Circ. 1165 | anyone whose perks will not cover ₱4,500 a year; carrying a balance (3% a month) | UnionBank fee table, July 2025 income and earn rate: card page |
| 25 | UnionBank Cash Back Visa Platinum UnionBank | ₱4,500 a year effective July 2025 | ₱180,000 a year | Up to 6% on groceries, up to 2% on Meralco bills, 0.20% on everything else | 3% at the cap, BSP Circ. 1165 | earners under ₱180,000 a year; anyone whose perks will not cover ₱4,500 a year | UnionBank fee table, July 2025 income: UnionBank card comparison |
| 26 | HSBC Live+ Credit Card HSBC | ₱5,000 a year First year waived | ₱400,000 a year | You'll earn 0.2% cashback on all transactions with your card. But if you spend at least PHP10,000 in a statement cycle, you'll earn cashback at accelerated rates of 8% for dining and 5% for shopping and entertainment. | 3% at the cap, BSP Circ. 1165 | earners under ₱400,000 a year; anyone whose perks will not cover ₱5,000 a year | HSBC Credit Card Fees and Charges income and earn rate: card page |
| 27 | China Bank World Mastercard China Bank | ₱6,000 a year effective February 2023 Waived for the first year | ₱250,000 a year | 5% rebate on fuel at any local gas station | 3% at the cap, BSP Circ. 1165 | a first card: it needs another bank's card; earners under ₱250,000 a year | China Bank fee table, February 2023 income and earn rate: card page |
| 28 | Landers Cashback Everywhere Credit Card Maya | No card fee effective 23 June 2026 The card fee is waived, but the Landers membership fee is charged to the card every year | ₱180,000 a year | 1% cashback everywhere, 2% on dining and 3% at Landers (base rate), paid as Landers cashback points. 1 point = ₱1 at Landers. | 3% at the cap, BSP Circ. 1165 | earners under ₱180,000 a year; carrying a balance (3% a month) | Maya fee table, 23 June 2026 income: Maya credit card eligibility |
| 29 | UnionBank S&R Visa Platinum UnionBank | No card fee effective July 2025 No card fee, but the S&R membership fee is charged to the card on renewal | ₱180,000 a year | 3% rebate at S&R, 1% on dining and shopping, 0.5% on everything else | 3% at the cap, BSP Circ. 1165 | earners under ₱180,000 a year; heavy spending abroad (3.525% foreign fee) | UnionBank fee table, July 2025 income: UnionBank card comparison |
| - | MariCard Credit MariBank By invitation, not ranked | No annual fee For life, no conditions | ₱120,000 a year | 1% unlimited cashback on local in-store and local online spend; supermarket, drug store and fuel spend share a ₱3,000 monthly cashback cap. | 3% at the cap, BSP Circ. 1165 | anyone the bank has not invited; earners under ₱120,000 a year | MariBank Card Product Disclosure Sheet income: MariBank Help Center |
| - | HSBC Gold Visa Cash Back Credit Card HSBC Closed to new applicants, not ranked | ₱2,500 a year First year waived | - | Earn 5% cash back on dining transactions and 0.20% cash back on all of your other transactions. | 3% at the cap, BSP Circ. 1165 | new applicants (applications closed); anyone whose perks will not cover ₱2,500 a year | HSBC Credit Card Fees and Charges income and earn rate: card page |
| - | Security Bank Complete Cashback Platinum Mastercard Security Bank Closed to new applicants, not ranked | ₱3,000 a year effective 29 August 2025 Annual fee waived for the first year | ₱780,000 a year | 5% cash back on groceries, 4% on gas, 3% on utilities, 2% on dining and 1% on shopping, capped at ₱350 a category and ₱1,100 a month; local swiped purchases only | 3% at the cap, BSP Circ. 1165 | new applicants (applications closed); earners under ₱780,000 a year | Security Bank fee table, 29 August 2025 income and earn rate: card page |
