Best Credit Cards for Grocery Shopping and Supermarket Cashback
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Best Credit Cards for Grocery Shopping and Supermarket Cashback
TL;DR (Summary)
Looking for the best credit cards for groceries? We compared the top cards in the Philippines that offer cashback, rebates, and rewards points when shopping at supermarkets. These cards help you save more on essentials, especially if you’re doing weekly or monthly grocery runs. If you’re a first-time credit card user, we’ll guide you step by step.
🥇 Introduction: Why You Need the Right Credit Card for Groceries
For many Filipino families, grocery shopping is a weekly or monthly ritual. But what if you could save money every time you buy essentials like rice, meat, milk, or toiletries?
With the right credit card, you can:
Earn cashback on your grocery bills 🛍️
Get discounts at partner supermarkets 🏪
Accumulate rewards points for future purchases 🎁
For first-time credit card users, choosing the right one can be confusing. Don’t worry — this guide breaks down the best grocery credit cards in the Philippines for 2025, explains their benefits, and shows you how to maximize savings.
🏦 What to Look for in a Grocery & Supermarket Credit Card
Before we jump into the list, here are 4 key factors to consider when choosing a card:
1. Cashback & Rebates
Look for cards that offer 3% to 6% cashback specifically for grocery purchases.
2. Rewards Points
Some cards give 1 point per ₱30 to ₱50 spent — these points can be converted into gift certificates or free groceries.
3. Partner Supermarkets
Check if the card has special tie-ups with stores like SM, Robinsons, Puregold, or S&R for extra perks.
4. Annual Fees & Interest Rates
Make sure the annual fee is worth the rewards, especially if you’re a first-time user.
🏆 Best Credit Cards for Grocery Shopping in the Philippines (2025)
Here’s a comparison of top supermarket credit cards with high cashback and rewards:
Credit Card
Cashback / Points
Best For
Partner Supermarkets
Annual Fee
BDO Amex Cashback
5% cashback on groceries
Big savers
SM, Robinsons, Waltermart
₱3,000
Metrobank Titanium MC
4% cashback on supermarkets
Budget-conscious shoppers
Puregold, S&R, Shopwise
₱2,500
BPI Amore Cashback
4% cashback + discounts
Everyday grocery trips
Ayala Malls, Landmark, Metro
₱2,000
Security Bank Complete Cashback
5% cashback on groceries
High spenders
All major chains
₱3,000
RCBC Flex Gold Visa
2x rewards points on groceries
Points collectors
SM, Landmark, Robinsons
₱3,000
🥦 Top 5 Grocery Credit Cards — In-Depth Review
1. BDO Amex Cashback Card
Best for: Big spenders who shop at SM & Robinsons
Cashback: 5% on groceries
Minimum Spend: ₱10,000/month
Perks: Free travel insurance, exclusive deals at SM-affiliated stores
Why It’s Great: Perfect if you frequently shop at SM or Robinsons.
2. Metrobank Titanium Mastercard
Best for: Budget-conscious shoppers
Cashback: 4% on supermarkets
Partner Stores: Puregold, Shopwise, S&R
Why It’s Great: Low annual fee and high cashback for essential groceries.
3. BPI Amore Cashback Card
Best for: Ayala Malls shoppers
Cashback: 4% + extra discounts on Ayala supermarkets
Why It’s Great: Ideal for those who frequently shop in Metro Manila.
4. Security Bank Complete Cashback
Best for: Families with big monthly grocery expenses
Cashback: 5% on groceries
Why It’s Great: Works at all major supermarkets, giving you flexibility.
5. RCBC Flex Gold Visa
Best for: Rewards point collectors
Rewards: 2x points on groceries
Why It’s Great: Perfect for people who want to maximize points and redeem freebies.
🧮 Use Our Free Credit Card Cost Calculator
Before applying for any grocery credit card, calculate your potential savings based on your monthly grocery spending.
