Which credit card earns the most on dining in the Philippines?

We ran ₱4,000 a month of restaurant and cafe spending (₱48,000 a year) through 130+ Philippine credit cards. Below is what each general-purpose card would earn back a year, what it costs to hold, and the conditions that decide whether the number is real. Figures are estimates from public issuer terms as of September 2026.

General-purpose cards, ranked by rewards after the annual fee

#	Card	Rewards a year	Annual fee	After fee	Conditions
1	Live+ Credit Cardcashback HSBC	₱3,840	None	₱3,840	8% back on dining, up to ₱15,000 a year. The higher rates only apply when you spend ₱10,000 or more in the statement cycle, and HSBC asks for at least ₱400,000 a year in income. No annual fee once you spend ₱60,000 within 60 days of approval and register on the HSBC PH app.
2	Freedom Mastercardpoints China Bank	₱959	None	₱959	Flat 1 point per ₱30 on everything, with no bonus categories, and no annual fee for life.
3	Visa Platinumcashback EastWest Bank	₱4,262	₱3,600	₱662	About 8.9% back on dining, but the same ₱15,000 yearly cap is shared with department stores, fuel, utilities, airlines and hotels. Fee is ₱3,600, waived at ₱1.5 million in yearly spend or by an occasional first-year promo.
4	S&R Co-Brand Credit Cardcashback UnionBank	₱480	None	₱480	1% back on dining and shopping anywhere (its 3% rate is only at S&R stores). No annual fee.
5	Rewards Platinumpoints UnionBank	₱360	None	₱360	3x points on dining and shopping (1 point per ₱10), otherwise 1 point per ₱30. No annual fee. We couldn't reach UnionBank's own site to confirm, so these rates come from secondary sources.
6	Black Card Platinum Mastercardpoints RCBC (Bankard)	₱200	None	₱200	Flat 1 point per ₱36 on everyday spend. No annual fee once you spend ₱20,000 within 60 days of getting the card.
7	Platinum Mastercardpoints EastWest Bank	₱150	None	₱150	Flat 1 point per ₱40 on everything. No annual fee for life.

Annual fees are shown at full price. Many banks waive the first year or waive the fee at a spending level, which would raise the "after fee" figure; the Conditions column says where we found a waiver. Points and miles are valued at each card's cash or catalog redemption value in our database.

Cards that only earn at one store or app

This one pays a big rate, but only on orders placed through one app. If you don't use it, it earns very little.

	Card	Rewards a year	Annual fee	After fee	Conditions
	foodpanda Visacashback EastWest Bank	₱4,800	₱1,200	₱3,600	10% back on foodpanda app orders (about ₱400 a month, then 3%), with an overall ₱1,000 monthly cashback cap; only about 0.3% elsewhere. Good only if you order on foodpanda a lot. Fee waived in year one.

Before you apply

Caps. Most cashback cards stop paying the bonus rate after a yearly limit. Once you hit it, you earn only the base rate.
Minimum spend. Several 5% cards need a minimum monthly spend or a minimum amount per receipt. If you don't hit it, you earn much less than the table shows.
Your spending isn't ₱4,000 a month. These numbers scale with what you actually spend, and caps hit at different points. The calculator below lets you use your own figures.
Eligibility. Cards have income requirements and approval isn't guaranteed. Check the bank's current terms.

Try it with your own spending

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Also see: Which credit card earns the most on groceries? · All guides