If you’re looking for the best credit card in the Philippines, the answer really depends on your individual lifestyle—whether you want travel rewards, high cashback, dining perks, or low fees. Here’s a breakdown of standout options in 2025 based on recent comparisons:
Best Overall Rewards Card
UnionBank Rewards Credit Card A versatile all-around card praised for its simplicity and long-term value. Why it stands out: Earn 3× reward points on dining and shopping (local or abroad) 1 point for every ₱30 spent on other purchases Reward points never expire, making it highly flexible
Top Travel Cards
If you frequently travel, these are among the best for miles, lounge access, and travel perks:
UnionBank Cebu Pacific Platinum 1 Go Rewards Point per ₱100 spend at Cebu Pacific Travel insurance up to ₱10M and airport lounge access Metrobank World Mastercard 1 point per ₱20 local spend, 2× points for international spend Air miles conversion, free lounge access, dining discounts Security Bank Platinum Mastercard 2 points per ₱20 spent Travel insurance up to ₱10M and 1,300+ worldwide lounge access BPI Signature Card 2 BPI points per ₱20 spend, low Forex fees (1.85%) Premium travel perks and concierge services RCBC Visa Platinum Earn air miles in multiple spending categories Travel insurance, PAGSS Lounge access, and Visa concierge EastWest Singapore Airlines KrisFlyer Platinum Mastercard Up to 3 KrisFlyer miles per ₱45 spent Low conversion fee (1.7%) and extensive lounge access
Best for High Cashback & Everyday Use
Security Bank Complete Cashback Mastercard Great for everyday savings: Up to 5% cashback on groceries, 4% fuel, 3% utilities, 2% dining, 1% shopping Includes Marhaba Lounge access at NAIA and purchase protection
Best for Dining Enthusiasts
If you love dining out, these cards deliver great value:
UnionBank Cash Back Visa Platinum – Dining discounts UnionBank Rewards Credit Card – 3× points on dining UnionBank U Visa Platinum – 3× dining points and no annual fee for life BPI Amore Platinum Cashback Card – 4% cashback on restaurants and delivery BPI Visa Signature – 2× BPI points per ₱20 plus dining deals Metrobank World Mastercard – Dining perks with up to 50% off Metrobank Titanium Mastercard – 2× dining points HSBC Live+ – Up to 8% cashback on dining with sufficient spend HSBC Red Mastercard – 4× dining points
A Quick Snapshot by Category
Category
Recommended Card/Type
Best All‑Around Rewards
UnionBank Rewards Credit Card
Travel (Frequent Flyers)
UnionBank Cebu Pacific Platinum; Metrobank World; Security Bank Platinum; BPI Signature; RCBC Visa Platinum; EastWest KrisFlyer
Highest Cashback
Security Bank Complete Cashback Mastercard
Dining / Food Lovers
UnionBank dining cards, BPI Amore Platinum, HSBC dining cards
Community Tips from Reddit Users
Real experiences add context:
Beginner-friendly recommendations: “Start with NAFFL (No Annual Fee For Life) cards like AUB, UnionBank U Visa Platinum, Security Bank Wave Titanium…” Travel miles focus: “For domestic flights, PNB … amazing kasi may 1000 miles on activation … 1 point = 1 mile.” Cashback & low Forex fee preference: “EW Plat Visa … low foreign currency fees is also great when I’m traveling.”
Final Thoughts & How to Choose Yours
Identify your main goal: Rewards, travel perks, dining perks, or cash savings? Check fees: Is the annual fee waived initially? Are there promos for fee waiver (NAFFL)? Consider income requirements — some premium cards require higher income tiers. Explore sign-up promos — many banks waive fees or offer e-vouchers, air miles, etc., for new cardholders.
Let me know your spending habits, travel frequency, or whether you’re a beginner—I’d be happy to narrow it down!
