Skip to content
SulitCard
Illustration, not the bank's artwork.

HSBC · Visa · Gold

Gold Visa Cash Back

Why pick it: 5% cashback on dining all year

Closed to new applicants: 5% dining cashback year-round, seasonal 1% department store and overseas, 0.2% elsewhere, ₱1,200 monthly cap.

Score
33 /100
Status
Closed to new
Annual fee
₱2,500
#68 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

Closed to new applicants, per the page. Kung hawak mo na, ang 5% dining cashback ang reason para i-keep.

Bottom line: Kung hawak mo na ito at dining ang biggest spend mo, i-keep mo. Kung bagong card ang hanap mo, ibang card na lang.

Read the full take: the math, what's good, what hurts

Kung hawak mo na ito, ang typical household (~₱825k a year) ay may ~₱6,500 na cashback, pero negative ang travel value (~-₱2,000) kasi may foreign fee sa computation namin. The page lists ₱2,500 from the second year; kapag humingi ka ng waiver, sa bank pa rin ang desisyon.

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

  • 5% cashback sa dining, January to December.
  • 3% Caltex rebate, up to ₱600 a month, per the Caltex rebate page.
  • Walang expiry ang cashback, galing sa data.

What's bad

  • 0.2% lang ang balik sa halos lahat ng ibang spend, at capped ang cashback sa ₱1,200 a month.
  • 1% sa department stores (May to August lang) at 1% overseas (January, April, May at December lang).
  • Per HSBC Cash Back T&C Program Offer 3, hindi nag-e-earn ng cashback ang drugstores, education, utilities, auto charge at installments.
  • Ang 3.50% na foreign fee ay galing sa data, kaya huwag itong gamitin abroad.

The catch: Mukhang outdated ang page: may COVID notice pa ito, at 0.5% sa 'all other' ang meta description pero 0.2% sa rates table. Sa table kami sumusunod.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee; minimum income. 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 ₱4,500 in rewards (₱6,500) and travel value (−₱2,000), before the ₱2,500 annual fee (on request; the bank decides)
To qualify:
₱200,000 a year income; Closed to new applicants; existing holders only (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value16 / 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 spend14 / 37

      About ₱6,500 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 ₱2,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. How the bars work

  • Promos and 0% installments6 / 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 22 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 path2 / 5

    Gold card level, plus how HSBC handles credit limit increases and card upgrades. How it is scored

  • App and service3 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee0 / 2

    A late fee of ₱1,500 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱6,500 a year in rewards and −₱2,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod50 BOct 2449 BOct 2635 BOct 2734 BNov 234 BNov 434 BNov 934 BNov 1033 BNov 11
  • 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
₱2,500
Supplementary fee
₱1,250
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱200,000 a year
Also needs
Closed to new applicants; existing holders only

Rewards

5% cash back on dining all year, 1% at department stores from May to August and on overseas spend in Jan, Apr, May and Dec, 0.2% otherwise. Caltex fuel earns a 3% rebate, up to ₱600 a month. Drugstores, education and utilities earn nothing.

Caps: ₱600 per month (fuel); ₱1,200 per month (dining, department stores, spending abroad, everything else)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Rewards on fuel capped at ₱600 a month
  • Earns little outside its bonus categories

Live and upcoming promos (22)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 17 more

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.

Official HSBC card page ↗