SB Complete HSBC Gold Visa

EastWest UnionBank UnionBank S&R

Cashback Cash Back HSBC Platinum
p Description MCC Merchants Visa Plat Rewards Visa CashBack Visa
Cap PHP1,000/mo Cap PHP1200/mo Visa [4]
Cap PHP1,250/mo [2] Platinum NO CAP
[1] [3]

0001-1499: Agricultural services *0014 Taxumo N/A 0.30% 0.50% 0.5% P30 = 1 Point

0001-1499: Agricultural services *0723 Vets Unlimited PH N/A 0.30% 0.50% 0.5% P30 = 1 Point

3000-3299: Airlines PAL (Philippine Airlines) 3022 PAL (Philippine Airlines) N/A 8.88% 0.50% 5% P30 = 1 Point

3000-3299: Airlines Cebu Pacific 3072 Cebu Pacific N/A 8.88% 0.50% 5% P30 = 1 Point

3000-3299: Airlines EVA Airways 3084 Cebu Pacific N/A 8.88% 0.50% 5% P30 = 1 Point

3000-3299: Airlines Cathay Pacific 3099 Cathay Pacific N/A 8.88% 0.50% 5% P30 = 1 Point

3000-3299: Airlines Malaysia Airlines 3100 Malaysia Airlines N/A 8.88% 0.50% 5% P30 = 1 Point

3000-3299: Airlines Shangrila 3545 Shangrila N/A 8.88% 0.50% 0.5% P30 = 1 Point

Transportation–Suburban and Local

4000-4799: Transportation 4111 Cash In - Grab N/A 0.30% 0.50% 0.5% P30 = 1 Point
Commuter Passenger, including Ferries

4000-4799: Transportation Taxicabs and Limousines 4121 GrabCar N/A 0.30% 0.50% 0.5% P30 = 1 Point

4000-4799: Transportation Travel Agencies and Tour Operators 4722 Agoda N/A 8.88% 0.50% 0.5% P30 = 1 Point

4000-4799: Transportation Travel Agencies and Tour Operators 4722 Airbnb N/A 8.88% 0.50% 0.5% P30 = 1 Point

4000-4799: Transportation Travel Agencies and Tour Operators 4784 SMC Skyway N/A 8.88% 0.50% 0.5% P30 = 1 Point

Telecommunication Services including

4800-4999: Utilities
but not limited to prepaid phone *** *** UTILITIES *** 3% 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 Gigalife App N/A 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 Globe 3% 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 PLDT 3% 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 SMART 3% 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 Starlink N/A 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 Zoom Subscription N/A 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
Telecommunication Services including
4800-4999: Utilities
but not limited to prepaid phone 4814 Globe Billspay N/A 8.88% 0.50% 0.5% P30 = 1 Point
services and recurring phone services
4800-4999: Utilities Computer Network/Information Services 4816 Dropbox N/A 8.88% 0.50% 0.5% P30 = 1 Point

Cable, Satellite, and Other Pay Television

4800-4999: Utilities 4899 Bayad Online Website N/A 8.88% 0.50% 0.5% P30 = 1 Point
and Radio Services

Cable, Satellite, and Other Pay Television

4800-4999: Utilities 4899 Royal Cable Via Website N/A 8.88% 0.50% 0.5% P30 = 1 Point
and Radio Services

Cable, Satellite, and Other Pay Television

4800-4999: Utilities 4899 Skycable 3% 8.88% 0.50% 0.5% P30 = 1 Point
and Radio Services

Cable, Satellite, and Other Pay Television

4800-4999: Utilities 4899 Cignal TV 3% 8.88% 0.50% 0.5% P30 = 1 Point
and Radio Services

Utilities–Electric, Gas, Heating Oil,

4800-4999: Utilities 4900 Converge App/Website N/A 8.88% 0.50% 0.5% P30 = 1 Point
Sanitary, Water

Utilities–Electric, Gas, Heating Oil,

4800-4999: Utilities 4900 Manila Water Company 3% 8.88% 0.50% 0.5% P30 = 1 Point
Sanitary, Water

Utilities–Electric, Gas, Heating Oil,

4800-4999: Utilities 4900 Meralco Via App N/A 8.88% 0.50% 0.5% P30 = 1 Point
Sanitary, Water

Utilities–Electric, Gas, Heating Oil,

4800-4999: Utilities 4900 Meralco Via Website N/A 8.88% 0.50% 0.5% P30 = 1 Point
Sanitary, Water

Utilities–Electric, Gas, Heating Oil,

4800-4999: Utilities 4900 Unioil N/A 8.88% 0.50% 0.5% P30 = 1 Point
Sanitary, Water

5000-5599: Retail Outlet Hardware Stores 5200 Ace Hardware 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Hardware Stores 5251 Handyman 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Hardware Stores 5251 The Diy Shop 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Hardware Stores 5251 True Value 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Discount Stores 5310 Japan Home 1% 0.30% 0.50% 5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Discount Stores 5310 Mr Diy 1% 0.30% 0.50% 5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Department Stores 5311 SM Store 1% 8.88% 1% 5% P30 = 3 Points 1%

5000-5599: Retail Outlet Department Stores 5311 Rustans 1% 8.88% 1% 5% P30 = 3 Points 1%

5000-5599: Retail Outlet Department Stores 5311 Shopsm N/A 8.88% 1% 5% P30 = 3 Points 1%

Miscellaneous General Merchandise

5000-5599: Retail Outlet 5399 Alibaba N/A 8.88% 0.50% 5% P30 = 1 Point
Stores
 SB Complete HSBC Gold Visa
EastWest UnionBank UnionBank S&R
Cashback Cash Back HSBC Platinum
p Description MCC Merchants Visa Plat Rewards Visa CashBack Visa
Cap PHP1,000/mo Cap PHP1200/mo Visa [4]
Cap PHP1,250/mo [2] Platinum NO CAP
[1] [3]

Miscellaneous General Merchandise

5000-5599: Retail Outlet 5399 Amazon N/A 8.88% 0.50% 5% P30 = 1 Point
Stores

Miscellaneous General Merchandise

5000-5599: Retail Outlet 5399 Ebay N/A 8.88% 0.50% 5% P30 = 1 Point
Stores

Miscellaneous General Merchandise

5000-5599: Retail Outlet 5399 Lazada (Including Load And Bills) N/A 8.88% 0.50% 5% P30 = 1 Point
Stores

Miscellaneous General Merchandise

5000-5599: Retail Outlet 5399 Shopee N/A 8.88% 0.50% 5% P30 = 1 Point
Stores

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Pick.A.Roo N/A 8.88% 0.50% 0.5% P30 = 1 Point

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Robinson'S Dept. Store 5% 8.88% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Isetann 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Landmark 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Puregold 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Robinsons Easymart 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Savemore 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Landers 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 MERKADO 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Shopwise 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Healthy Options 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 S&R 5% 0.30% 0.50% 0.5% P30 = 1 Point 3.00%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 The Marketplace 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5000-5599: Retail Outlet Grocery Stores, Supermarkets 5411 Santis 5% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

Miscellaneous Food Stores–

5000-5599: Retail Outlet
Convenience Stores, Markets, Specialty 5499 Super50 5% 0.30% 5% 5% P30 = 1 Point 0.50%
Stores, and Vending Machine
Miscellaneous Food Stores–
5000-5599: Retail Outlet
Convenience Stores, Markets, Specialty 5499 Royce Chocolates 5% 0.30% 5% 5% P30 = 1 Point 0.50%
Stores, and Vending Machine
Service Stations (With or Without
5000-5599: Retail Outlet 5541 Shell 4% 8.88% 0.50% 0.5% P30 = 1 Point
Ancillary Services)

Service Stations (With or Without

5000-5599: Retail Outlet 5541 Petron 4% 8.88% 0.50% 0.5% P30 = 1 Point
Ancillary Services)

5600-5699: Clothing Women’s Ready to Wear Stores 5621 Net-A-Porter 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Women’s Ready to Wear Stores 5621 Shein 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Family Clothing Stores 5651 Net-A-Porter 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Family Clothing Stores 5651 Surplus 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Family Clothing Stores 5651 Zara 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Shoe Stores 5661 Skechers 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Shoe Stores 5661 Nike 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Shoe Stores 5661 CLN Celine 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Women’s Ready to Wear Stores 5691 Dior 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Women’s Ready to Wear Stores 5691 Prada 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Women’s Ready to Wear Stores 5691 Projekt 8 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Women’s Ready to Wear Stores 5691 Bottega Veneta 1% 8.88% 0.50% 5% P30 = 3 Points 1%

Accessory and Apparel Stores–

5600-5699: Clothing
Miscellaneous
5699 Gucci 1% 8.88% 0.50% 5% P30 = 3 Points 1%

Accessory and Apparel Stores–

5600-5699: Clothing
Miscellaneous
5699 Hermes 1% 8.88% 0.50% 5% P30 = 3 Points 1%

Accessory and Apparel Stores–

5600-5699: Clothing
Miscellaneous
5699 Penguin 1% 8.88% 0.50% 5% P30 = 3 Points 1%

Accessory and Apparel Stores–

5600-5699: Clothing
Miscellaneous
5699 Uniqlo 1% 8.88% 0.50% 5% P30 = 3 Points 1%

Accessory and Apparel Stores–

5600-5699: Clothing
Miscellaneous
5699 Zara 1% 8.88% 0.50% 5% P30 = 3 Points 1%

5600-5699: Clothing Family Clothing Stores Marks & Spencer 1% 8.88% 0.50% 5% P30 = 1 Point 0.50%

5600-5699: Clothing Family Clothing Stores Rustan's 1% 8.88% 0.50% 5% P30 = 1 Point 0.50%
 SB Complete HSBC Gold Visa
EastWest UnionBank UnionBank S&R
Cashback Cash Back HSBC Platinum
p Description MCC Merchants Visa Plat Rewards Visa CashBack Visa
Cap PHP1,000/mo Cap PHP1200/mo Visa [4]
Cap PHP1,250/mo [2] Platinum NO CAP
[1] [3]

5600-5699: Clothing Family Clothing Stores Trunc Ph 1% 8.88% 0.50% 5% P30 = 1 Point 0.50%

5600-5699: Clothing Family Clothing Stores Zalora 1% 8.88% 0.50% 5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Household Appliance Stores 5712 Ikea 1% 8.88% 0.50% 0.5% P30 = 3 Points 0.50%

5700-7299: Miscellaneous Household Appliance Stores 5722 Abenson 1% 8.88% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Household Appliance Stores 5722 Mi Stores 1% 8.88% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Computer Software Stores 5734 Lista App N/A 8.88% 0.50% 0.5% P30 = 1 Point

5700-7299: Miscellaneous Eating Places and Restaurants 5812 ***RESTAURANTS/FINE DINING*** 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Eating Places and Restaurants 5812 Dr. Wine Manila 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Eating Places and Restaurants 5812 Lugang Cafe 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Eating Places and Restaurants 5812 Manam Cafe 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Eating Places and Restaurants 5812 Sentro 1772 (Bad Reviews) 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Eating Places and Restaurants 5812 Starbucks Standalone Store 2% 8.88% 5% 0.5% P30 = 3 Points 1%

5700-7299: Miscellaneous Fast Food Restaurants 5814 ***FAST FOOD*** 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Angel'S Pizza In-Store (Mall) 2% 0.30% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Army Navy 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Barcino 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Bonchon 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Buddy's 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Burger King 2% 0.30% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Coco Ichibanya 2% 0.30% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Coffee Bean 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Angel'S Pizza Online N/A 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Aristocrat 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Cafe Dulcinea 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Duck & Buvette 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Foodpanda 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 French Baker 2% 0.30% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Gerry'S Grill 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Grab Subscription N/A 8.88% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Grab Food N/A 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Grab Mart N/A 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Greenwich 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Ippudo 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Jiang Nan Hotpot 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Jollibee 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Kenny Rogers 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Yayoi 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Vikings 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Four Seasons Buffet & Hotpot 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Mamou 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Manam 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%
 SB Complete HSBC Gold Visa
EastWest UnionBank UnionBank S&R
Cashback Cash Back HSBC Platinum
p Description MCC Merchants Visa Plat Rewards Visa CashBack Visa
Cap PHP1,000/mo Cap PHP1200/mo Visa [4]
Cap PHP1,250/mo [2] Platinum NO CAP
[1] [3]

5700-7299: Miscellaneous Fast Food Restaurants 5814 Mang Inasal 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Max's 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Mcdo 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Nanyang Kopitiam 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Ramen Nagi 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Red Ribbon 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Shakeys 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Texas Roadhouse 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Yakimix 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Fast Food Restaurants 5814 Yoshinoya 2% 8.88% 5% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Digital Goods: Books, Movies, Music 5815 Spotify N/A 0.30% 0.50% 0.5% P30 = 1 Point

Digital Goods: Large Digital Goods

5700-7299: Miscellaneous
Merchant (Visa) 5818 GOOGLE *Angel Studios Subs N/A 0.30% 0.50% 0.5% P30 = 1 Point
Digital Goods: Multi-Category (MC)
5700-7299: Miscellaneous Drug Stores and Pharmacies 5912 Mercury Drug 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Drug Stores and Pharmacies 5912 Southstar Drug 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Drug Stores and Pharmacies 5912 Watsons 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Sporting Goods Stores 5941 Olympic Village 1% 0.30% 0.50% 5% P30 = 3 Points 1%

5700-7299: Miscellaneous Sporting Goods Stores 5941 Adidas 1% 0.30% 0.50% 5% P30 = 3 Points 1%

5700-7299: Miscellaneous Book Stores 5942 National Book Store 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%

Office, School Supply and Stationery

5700-7299: Miscellaneous 5943 Office Warehouse 1% 0.30% 0.50% 0.5% P30 = 1 Point 0.50%
Stores

5700-7299: Miscellaneous Jewelry, Watch & Silverware Store 5944 Cartier 1% 0.30% 0.50% 5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Jewelry, Watch & Silverware Store 5944 Sincere Watch 1% 0.30% 0.50% 5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Jewelry, Watch & Silverware Store 5944 Swiss Gallery 1% 0.30% 0.50% 5% P30 = 1 Point 0.50%

5700-7299: Miscellaneous Leather Goods & Luggage Store 5948 Rimowa 1% 0.30% 0.50% 5% P30 = 3 Points 1%

5700-7299: Miscellaneous Leather Goods & Luggage Store 5948 Anello 1% 0.30% 0.50% 5% P30 = 3 Points 1%

5700-7299: Miscellaneous Pet Shops, Pet Food and Supplies 5995 Pet Express 1% 0.30% 0.50% 0.5% P30 = 3 Points 1%

Miscellaneous and Specialty Retail

5700-7299: Miscellaneous 5999 Amazon N/A 8.88% 0.50% 0.5% P30 = 3 Points
Stores

Lodging–Hotels, Motels, Resorts–not

5700-7299: Miscellaneous
elsewhere 7011 Airbnb (Maraming SCAM!) N/A 8.88% 0.50% 0.5% P30 = 1 Point
classified
Lodging–Hotels, Motels, Resorts–not
5700-7299: Miscellaneous
elsewhere 7011 Klook N/A 8.88% 0.50% 0.5% P30 = 1 Point
classified
5700-7299: Miscellaneous Health and Beauty Spas 7298 JAZZS ARTISTIC QC (Salon ng Kulot) N/A 0.30% 0.50% 0.5% P30 = 1 Point

Consulting, Management and Public

7300-7999: Business 7392 LinkedIn N/A 0.30% 0.50% 0.5% P30 = 1 Point
Relations Services

Consulting, Management and Public

7300-7999: Business 7392 TransUnion N/A 0.30% 0.50% 0.5% P30 = 1 Point
Relations Services

Consulting, Management and Public

7300-7999: Business 7523 Park N Fly N/A 0.30% 0.50% 0.5% P30 = 1 Point
Relations Services

8000-8999: Prof. Srvcs & Mem. Org. Dental and Medical Laboratories 8071 Urban Smiles N/A 0.30% 0.50% 0.5% P30 = 1 Point

9000-9999: Government Tax Payments 9311 Naia T3 (Travel Tax) N/A 0.30% 0.50% 0.5% P30 = 1 Point
MCC
3022
3072
3084
3099
3100
3545
3642
4111
4121
4722
4784
4814
4816
4899
4900
5139
5200
5211
5231
5251
5261
5309
5310
5311
5331
5399
5411
5441
5451
5499
5531
5532
5533
5541
5541
5561
5571
5611
5615
5621
5631
5641
5651
5655
5661
5681
5691
5698
5699
5712
5713
5714
5718
5719
5722
5732
5733
5734
5734
5735
5812
5814
5815
5818
5912
5921
5931
5932
5933
5940
5941
5942
5943
5944
5945
5946
5947
5948
5949
5950
5965
5970
5972
5973
5977
5978
5993
5995
5997
5998
5999
7011
7230
7278
7298
7392
7523
7531
7535
7538
7622
7699
7841
8071
9311
*0014
*0723
Anong MCC? Example: 5411 Anong Merchant Name? Location? (Macao - UP Town)
[1] 5% cashback on Grocery

4% cashback on Fuel

3% cashback on Utilities

2% cashback on Dining

1% cashback on Shopping

Capped at P1,000 per month

Only physically swiped transactions earn cashback.

P20,000 monthly spend on Grocery category to optimize.

AF: P3k

[2] EASTWEST VISA PLATINUM

8.88% cashback on Department Store, Restaurant, Travel, and Utility Bills Payment transactions

0.3% cashback on all other transactions

Capped at P1,250 per month

P14,077 monthly spend on cashback eligible categories to optimize.

Foreign Currency Conversion Rate: 1.70%

AF: P3.6k

[3] HSBC GOLD VISA CASH BACK CARD

5% cashback on Dining transactions

1% seasonal cashback Department Store and Overseas transactions

0.5% cashback on all other transactions

Capped at P1,200 per month

P24,000 monthly spend on Dining category to optimize.

Caltex fuel purchase rebate: 3%

AF: P2.5k

[4] HSBC PLATINUM VISA REBATE CARD

5% cashback on Shopping and Travel transactions

1% cashback on Local Insurance transactions

0.5% cashback on all other transactions

Capped at P1,200 per month

P24,000 monthly spend on Shopping and Travel categories to optimize.

5% cashback on Shopping and Travel transactions

1% cashback on Local Insurance transactions

0.5% cashback on all other transactions

Capped at P1,200 per month

P24,000 monthly spend on Shopping and Travel categories to optimize.

Caltex fuel purchase rebate: 3%

AF: P5k