Credit Card Rewards & Cashback Maximizer Calculator

Learn how to maximize points, cashback, and rewards while avoiding high-interest charges.

Introduction

Imagine this: you’re spending ₱15,000 a month on groceries, bills, and online shopping.
What if you could earn ₱500 to ₱1,500 back every single month — just by using the right credit card?

For many first-time Filipino credit card users, maximizing cashback and rewards points can feel confusing. But with the right card strategy and the help of a Credit Card Rewards & Cashback Maximizer Calculator, you can earn more, save more, and spend smarter.

How Credit Card Rewards & Cashback Work

Credit cards in the Philippines generally offer two main benefits:

1. Cashback Credit Cards 💸

You get a percentage of your spending back as cash
Example: Spend ₱10,000, get ₱300 cashback
Best for: Groceries, bills, fuel, and daily expenses

2. Rewards Points Credit Cards 🎁

You earn points for every peso spent
Example: 1 point per ₱30 → Use points to redeem gift cards, gadgets, or miles
Best for: Shoppers, travelers, and frequent spenders

Top 5 Best Rewards & Cashback Credit Cards in the Philippines

Bank	Credit Card	Cashback / Rewards Rate	Annual Fee	Minimum Income	Best For
BPI	BPI Amore Cashback	Up to 4% cashback on groceries & bills	₱2,050	₱20,000	Everyday spenders
Citi	Citi Cash Back Card	Up to 6% cashback on groceries	₱4,500	₱21,000	Big spenders on essentials
Security Bank	Complete Cashback	5% cashback on groceries, 4% fuel	₱3,000	₱15,000	Families & bulk buyers
Metrobank	Metrobank Rewards Plus	1 point per ₱20 spent	₱2,500	₱20,000	Points lovers
RCBC	RCBC Flex Visa	Choose 2 categories for 2x rewards	₱3,000	₱15,000	Flexible spenders

How to Maximize Your Rewards & Cashback

Step 1 — Choose the Right Card for Your Spending Habits

If you spend mostly on groceries, pick Citi Cash Back or Security Bank Complete Cashback.
If you shop online frequently, RCBC Flex Visa works best.
If you want universal rewards, Metrobank Rewards Plus is great.

Step 2 — Focus on High-Rebate Categories

Use one card for groceries
Another for fuel and travel
Avoid using a single card for all expenses, so you maximize category-specific rewards.

Step 3 — Always Pay in Full

To truly maximize cashback, avoid paying interest.
Credit card interest rates in PH are 3% to 3.5% per month — this can cancel out your rewards.

Step 4 — Use the Calculator Before Spending

Use the Credit Card Cost Calculator to:

Estimate your cashback potential
See how much interest you’ll pay if you don’t settle in full
Plan your monthly repayment strategy

Sample Cashback Maximization Scenario

Monthly Expense	Amount Spent	Cashback Rate	Cashback Earned
Groceries	₱8,000	5%	₱400
Fuel	₱3,000	4%	₱120
Bills & Utilities	₱4,000	2%	₱80
Online Shopping	₱5,000	1%	₱50
Total	₱20,000	—	₱650 cashback / month

That’s ₱7,800 a year — just for spending the same amount you already do.

Pro Tips for First-Time Credit Card Users

Start with one cashback card and one rewards card
Automate your bill payments for guaranteed cashback
Always check category caps — some banks limit cashback per month
Track your rewards regularly using your bank’s mobile app

TL;DR — Quick Summary

Credit cards can help you earn cashback & rewards while spending
Choose a card based on your spending categories
Always pay in full to avoid losing rewards to interest
Use the Credit Card Cost Calculator to maximize savings

FAQs

1. What is the best cashback credit card in the Philippines?

The Citi Cash Back Card and BPI Amore Cashback are among the best for groceries and bills.

2. How much cashback can I earn per month?

It depends on your spending and the card. Typically, ₱500 to ₱1,500 per month is possible.

3. Do I still earn cashback if I pay the minimum?

Yes, but it’s not worth it. Interest charges can wipe out your rewards.

4. Can I use multiple cards to maximize rewards?

Absolutely! Use one card for groceries and another for fuel to optimize benefits.

5. How can I calculate my rewards potential?

Use the Credit Card Cost Calculator to estimate cashback, points, and total costs.

Credit Card Rewards and Cashback Maximizer Calculator