Cash Rewards MC
China Bank · Mastercard
Cash Rewards MC
Why pick it: 6% back on single purchases of ₱1,000 or more
Cashback card: 6% on single transactions of ₱1,000+, 1% at supermarkets, gas and drugstores; ₱299 monthly fee, ₱1,000 monthly cap.
- Score
- 49 /100
- Rank
- #20 of 123
- Annual fee
- ₱3,588
6% ang headline, pero ₱1,000 a month lang ang max rebate.
Bottom line: Sulit ito kung dining, shopping at airfare ang bulk ng gastos mo, at ₱1,000 or more ang bawat payment, hanggang sa cap. Para sa grocery at gas, ibang card na lang.
Read the full take: the math, what's good, what hurts
Annual fee: ₱3,588. Pwede mong hilingin ang waiver, bahala ang bank. Ang typical household (~₱825k a year) ay may ~₱10,500 na balik, pero negative ang travel figure (~-₱500) dahil sa foreign fee (2.50%), galing sa data. #20 ang puwesto nito sa 123 cards, 49 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- 6% cash rebate, pero single transactions lang na ₱1,000 or more, excluding grocery, gas at drugstore merchants.
- Member's Guide PDF: ₱90 ang rebate sa ₱1,500 na dining, at ₱600 sa ₱10,000 na airline ticket, per the bank.
What's bad
- Capped ang rebate sa ₱1,000 per cycle month.
- Gas at drugstores: 1% lang (₱1,000 minimum); grocery: 1% din (₱5,000 minimum).
- Foreign fee: 2.50%, kaya ibang card na lang abroad.
- Kailangan may hawak kang card ng ibang bank nang 12+ months, galing sa data.
The catch: Hindi nakalista sa Chinabank page mismo ang annual fee, foreign fee at income requirement; galing sa data ang ₱3,588 fee at ang ₱250,000 a year na income. Nasa Member's Guide PDF ang 6% rules at ang cap. Per its clause 3(d), walang earn ang auto-charge bills, utilities at installments. Hindi pinangalanan ng clause ang telco na straight payment na ₱1,000 or more, pero zero ang bilang namin dito.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; minimum income; foreign fee; 12-month other-card rule; list of excluded transactions. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱10,000 in rewards (₱10,500) and travel value (−₱500), before the ₱3,588 annual fee (on request; the bank decides)
- To qualify:
- ₱250,000 a year income; Must hold another bank's principal card 12+ months
- Bank service:
- About typical.
- Banking app:
- Its banking app's store ratings have dropped over the last 90 days (as of Oct 29, 2026).
Who can apply
- Age:
- 21 to 65.
- Employment:
- Regular employee, or self-employed with a business operating legally for 2+ years.
- Existing card:
- A principal card from another bank, with 12+ months of activity.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#20 of 123 cards open to new applicants, and #27 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value31 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend22 / 37
About ₱10,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers12 / 16
A ₱3,588 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend2 / 10
About −₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments5 / 15
0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 20 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path3 / 5
No standard card level. The score also reflects how China Bank handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: average. Service: about typical. How it is scored
- Late fee1 / 2
A late fee of ₱750 for one missed payment, or the unpaid minimum due if that is lower. How it is scored
On the default spend: about ₱10,500 a year in rewards and −₱500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱3,588
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱250,000 a year
- Also needs
- Must hold another bank's principal card 12+ months
Rewards
6% cash back on single transactions of ₱1,000 or more, except gas and drugstores (1% at ₱1,000 or more) and groceries (1% at ₱5,000 or more). Wholesale clubs, installments, auto-charge bills and utilities earn nothing.
Caps: ₱1,000 per month (groceries, fuel, tolls & car service, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Watch out for
- Rewards capped at ₱1,000 a month
Live and upcoming promos (20)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.