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Cashback Cards That Deliver Real Savings
Discover cards with top cashback rates and no annual fees. Maximize your everyday savings with our expert picks for 2026.
Top Picks for Dining and Everyday Spending
Cashback rewards can significantly boost your savings, especially if you spend strategically. Here are our top picks for cards that excel in dining and everyday purchases.
HSBC Philippines Gold Visa Cash Back Credit Card
The HSBC Philippines Gold Visa Cash Back Credit Card offers a standout 5% cashback on dining. This makes it an excellent choice for those who frequently eat out and want to maximize their cashback rewards. The first-year annual fee waiver is a nice perk, though the ongoing fee remains undisclosed, which could be a drawback if you're not careful about your dining habits.
BDO Visa Platinum Cashback
Compared to HSBC's offering, the BDO Visa Platinum Cashback card provides up to 3% cashback on dining with additional Visa Platinum benefits. While the annual fee is set at PHP 3,500, it's worth it if you value the global acceptance and insurance coverage. However, a minimum PHP 350,000 annual income requirement might exclude some potential users.
If you're willing to pay a bit more upfront, the next card offers even higher rewards for frequent diners.
High-Reward Dining Cards
These cards cater to those who prioritize dining rewards and don't mind the annual fees.
BPI Amore Cashback Card
The BPI Amore Cashback Card offers a practical balance of rewards and fees. While it doesn't offer the highest cashback rate compared to its peers, it compensates with a lower annual fee and reliable customer service from a well-regarded bank.
Choosing the right cashback card depends on your spending habits. If dining is your main expenditure, the HSBC card offers the most significant benefits. However, for those seeking wide acceptance and additional perks, BDO's offering might be more suitable. For a full comparison on dining rewards, check out our detailed analysis in BPI vs BDO: Best Cashback Card for Dining Rewards.