Best Credit Cards in the Philippines for 2025: Cashback, Low Interest & Perks

Why Choosing the Right Credit Card Matters in 2025

In today’s fast-paced digital economy, Filipinos rely more than ever on credit cards to manage daily expenses, earn rewards, and unlock lifestyle perks. But with dozens of options available, choosing the right credit card can be overwhelming. Whether you're a first-time user, a frequent online shopper, or a travel enthusiast, the right card can save you money and enhance your spending experience.

Key Features That Define the Best Credit Cards

When comparing credit cards, it’s important to focus on these factors:

• Cashback Offers

Get money back for everyday spending, especially on groceries, fuel, and bills.

• Low Interest Rates

Ideal for those who occasionally carry a balance.

• No Annual Fees

Great for budget-conscious users who want long-term value.

• Reward Points

Earn points for purchases that can be converted into discounts or gifts.

• Online Shopping Benefits

Cards that offer buyer protection, installment plans, and exclusive online deals.

Top Cashback Credit Cards in the Philippines (2025)

1. Metrobank Cashback Visa

A solid option for everyday spending.

It offers up to 5% cashback on supermarkets, gas, and utilities. Perfect for families and individuals with recurring household expenses.

Key Features: No annual fee for the first year, up to 5% cashback, contactless payments

2. BDO ShopMore Mastercard

Designed for online shoppers and SM Advantage members.

Earn rebates for purchases made in SM-affiliated stores and partner merchants.

Key Features: Cashback on retail shopping, SM Advantage points, low entry requirement

3. RCBC Flex Visa

Flexible rewards with multiple cashback categories.

Choose your preferred cashback category between groceries, gas, dining, or travel.

Key Features: Customizable cashback options, low annual fee, digital-first card

Best Low Interest Credit Cards

1. EastWest EveryDay MasterCard

One of the lowest interest rates in the market.

Ideal for users who may not pay off the full balance monthly. Interest as low as 2.49% per month.

Key Features: Affordable minimum payment, generous credit limit, simple application

2. Security Bank Complete Cashback

Low rates and multiple cashback categories.

Aside from interest savings, you enjoy 5% cashback on five major spending areas.

Key Features: Low interest, cashback on groceries, gas, utilities, dining, and travel

3. HSBC Red Mastercard

Attractive promo rates for new users.

Offers lower interest for balance transfers and big purchases.

Key Features: Installment plans, worldwide acceptance, promo interest rates

Credit Cards With the Best Perks and Rewards

1. UnionBank Rewards Credit Card

Perfect for points collectors and frequent spenders.

Earn 3x reward points on dining, shopping, and travel.

Key Features: No expiry on points, instant virtual card, mobile banking integration

2. BPI Amore Cashback Card

Great perks for Ayala Malls shoppers.

Comes with exclusive Ayala Mall privileges and up to 4% cashback.

Key Features: Dining and shopping cashback, mall discounts, e-wallet top-up rewards

3. Citi PremierMiles Card

Ideal for travel lovers and frequent flyers.

Earn miles for every purchase and enjoy access to airport lounges.

Key Features: Travel insurance, free miles on signup, global travel benefits

Tips on Choosing the Right Credit Card for Your Needs

• Know Your Spending Habits

Pick a card that rewards your typical expenses—whether it’s groceries, fuel, or travel.

• Check Interest and Fees

Even cards with great rewards may have high interest or hidden fees. Read the fine print.

• Consider Online Banking Support

Choose banks that offer user-friendly apps and real-time tracking.

• Look for Welcome Bonuses

Many banks offer incentives like free miles or waived fees for new cardholders.

How to Apply for These Credit Cards Online

Most banks now offer digital application platforms. Here’s how to apply quickly:

• Visit the official website of the bank
• Fill out the online application form
• Upload required documents (ID, income proof)
• Wait for email confirmation or SMS approval

Once approved, your virtual card may be issued instantly while you wait for the physical one.

Conclusion: Choose Wisely, Spend Smartly

With so many great credit cards available in the Philippines in 2025, finding the right one depends on your lifestyle and financial goals. Whether you value cashback, low interest, or exclusive perks, there’s a card tailored to your needs. Make informed choices, maximize your rewards, and enjoy the convenience of digital banking.

Apply smart—your ideal card might be just a few clicks away.