Live+
Platinum
HSBC · Visa · Platinum
Live+
Why pick it: Up to 8% back on dining with ₱10k monthly spend
Cashback card: 8% dining, 5% shopping, entertainment and travel with ₱10k monthly spend, ₱1,250 monthly cap; Caltex 6%/3% fuel rebate.
- Score
- 55 /100
- Rank
- #13 of 123
- Annual fee
- ₱5,000
Strong ang dining at shopping cashback, pero kailangan ng ₱10,000 spend per statement cycle.
Bottom line: Kung madalas kang kumain sa labas at mag-shop, at kaya mong i-clear ang ₱10,000 per cycle, dito ka magsimula.
Read the full take: the math, what's good, what hurts
Para sa typical household (~₱825k a year), nasa ~₱13,500 ang kita, pero negative ang travel value (~-₱1,000) dahil sa foreign fee. ₱5,000 ang annual fee, galing sa data; pwede mong hilingin ang waiver, bahala ang bank. Nakakuha ito ng 55 na score at puwestong #13 sa 123.
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
- Up to 8% cashback sa dining at 5% sa shopping, entertainment at travel kapag naabot ang ₱10,000 spend per statement cycle.
- Libre ang annual fee sa first year, plus may no-fee-for-life promo sa ₱60,000 spend within 60 days (new HSBC cardholders lang, galing sa data).
- Up to ₱10M na travel insurance kung sa card binayaran ang fare.
What's bad
- Kapag below ₱10,000 ang spend sa cycle, 0.2% lang ang earn sa lahat ng category.
- May caps: ₱1,250 a month sa cashback at ₱600 a month sa Caltex rebate.
- Huwag gamitin abroad, kasi 3.50% ang foreign fee.
- Income requirement: ₱400,000 a year, plus isa pang local bank card na hawak mo for 6+ months.
The catch: Wala sa HSBC page mismo ang annual fee at foreign fee, kaya mula sa data ang ₱5,000 at ang foreign fee. Per the page, walang cashback ang utilities, insurance, drugstores at online bills payment, at 2% lang ang fast food at delivery apps. Hindi boosted ang supermarkets, ayon sa data.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; supermarket treatment. 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 ₱12,500 in rewards (₱13,500) and travel value (−₱1,000), before the ₱5,000 annual fee (on request; the bank decides)
- To qualify:
- ₱400,000 a year income; Must hold another local bank's primary card 6+ months
- Bank service:
- About typical.
First year
- Welcome offer:
- No annual fee for life: spend ₱60,000 within 60 days of approval and register in HSBC app (new-to-HSBC-card only). Alternative: free Hedgren carry-on for ₱40,000 spend (until 30 Nov 2026). (ends Dec 31, 2026)
- Annual fee:
- First-year annual fee waived.
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 65.
- Existing card:
- A primary credit card issued in the Philippines, held 6+ months.
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
#13 of 123 cards open to new applicants, and #17 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value36 / 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 spend29 / 37
About ₱13,500 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 waivers8 / 16
A ₱5,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments7 / 15
0% installment network: fair. Promos: fair, 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 path3 / 5
Platinum 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 ₱13,500 a year in rewards and −₱1,000 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
- ₱5,000
- Supplementary fee
- ₱2,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 3.50%
- Minimum income
- ₱400,000 a year
- Also needs
- Must hold another local bank's primary card 6+ months
Rewards
8% on dining, 5% on shopping, entertainment and travel, 2% on fast food, if you post at least ₱10,000 in the statement cycle; otherwise 0.2%. Supermarkets earn base only. Telco, utilities, fuel, insurance, education, drugstores, auto-charge and installments earn nothing.
Caps: ₱1,250 per month (dining, online shopping, foreign online spend, department stores, airfare, hotels, groceries, spending abroad, everything else); ₱600 per month (fuel)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000
Strengths
- Travel insurance up to ₱10M
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.
- HSBCEnds Dec 31, 2026HSBC Visa cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Jan 31, 2027All HSBC credit cards
- HSBCEnds Jan 31, 2027HSBC Visa cards
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- HSBCEnds Dec 14, 2026All HSBC credit cards
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- HSBCEnds Dec 31, 2026All HSBC credit cards
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
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.