Credit card tier list
Every Philippine credit card scored out of 100 for a typical household (₱825,500 a year, one trip abroad). Tiers run from S to D against the other open cards. Scores are rounded to the nearest point, so two cards can show the same score and sit in different tiers; the tier is the one that counts. How tiers work. As of Nov 11, 2026.
123 of 172 cards · Open
SS tier· 12 cards
1 mile per ₱30 on all spend plus local lounges
₱5,500 fee#1 open3 points per ₱20 online, hotels and abroad
₱6,000 fee#2 open1 mile per ₱30, plus ₱10M family travel insurance
₱4,000 fee#3 open1 mile per ₱30, 1.7% foreign fee, ₱20M insurance
₱6,000 fee#4 open1 KrisFlyer mile per ₱12 on SIA, abroad, hotels
₱5,000 fee#5 open1 airmile per ₱48 local, ₱25 abroad, no expiry
₱5,500 fee#6 open5% back on most categories, up to ₱1,500 a month
₱3,000 fee#7 open₱20M travel insurance plus NAIA 1 lounge access
₱5,500 fee#8 open4 free lounge visits a year, 1 mile per ₱38
₱6,000 fee#9 open1 mile per ₱30, double on dining, ₱20M insurance
₱4,500 fee#10 open1 KrisFlyer mile per ₱15 on SIA, abroad, hotels
₱4,000 fee#11 openNever-expiring 1 mile per ₱30, 2 lounge visits
₱5,000 fee#12 open
AA tier· 20 cards
Up to 8% back on dining with ₱10k monthly spend
₱5,000 fee#13 openUp to 8.88% back, capped at ₱1,250 a month
₱4,000 fee#14 open2 points per ₱20 abroad, up to 4 lounge passes
₱4,000 fee#15 open5% back on groceries, telecom and school spend
₱3,500 fee#16 openUnlimited lounge access and ₱20M family insurance
₱5,000 fee#17 open1 Mabuhay Mile per ₱48, auto-converted
₱3,000 fee#18 open6 lounge passes and ₱10M travel insurance
₱5,000 fee#19 open6% back on single purchases of ₱1,000 or more
₱3,588 fee#20 open4% back at supermarkets, up to ₱15k a year
₱2,050 fee#21 open4% on dining, 3% at Robinsons on ₱3,500 receipts
₱2,500 fee#22 openUncapped 1% local and 2% overseas cashback
₱3,000 fee#23 open₱20M travel insurance and 1 mile per ₱60
₱4,000 fee#24 openThin dataMiles and ₱10M family insurance, ₱33k/mo income
₱3,000 fee#25 open3% back on overseas and direct airline spend
₱5,500 fee#26 openNo annual fee for 3 years, 1 mile per ₱58
₱1,000 fee#27 open5x points abroad and 3x online, no expiry
₱6,000 fee#28 open6% back at supermarkets with ₱10k other spend
₱4,500 fee#29 open5% on groceries and gas with ₱10k other spend
₱2,800 fee#30 openFree for life, plus 10% off at its stores
No annual fee#31 openThin dataFree for life, up to 7% back in store credit
No annual fee#32 openThin data
BB tier· 32 cards
1 point per ₱70, converts 1:1 to Mabuhay Miles
₱3,000 fee#33 open3.33% back at Puregold as P-Wallet credit
₱1,200 fee#34 open1 point per ₱70, up to ₱1M ticket insurance
₱1,200 fee#35 open₱10M travel insurance and 2 lounge passes
₱4,000 fee#36 openNo annual fee for life and 3% back at S&R
No annual fee#37 open1.8% foreign fee plus 1% overseas cashback
₱3,500 fee#38 open1 point per ₱10 abroad, unlimited NAIA lounge
₱6,000 fee#39 openMonthly fee waived in months you spend ₱15k
₱1,800 fee#40 open8% on a quarterly category, 3% dining and online
₱2,500 fee#41 openUp to ₱10M insurance when you charge the ticket
₱3,000 fee#42 open3% at Landers and 2% on dining
No annual fee#43 open1.85% foreign fee and unlimited NAIA lounge
₱4,800 fee#44 open5% gas rebate, 1 point per ₱30 elsewhere
₱4,000 fee#45 open5% back on gas, up to ₱20M ticket insurance
₱6,000 fee#46 open4x points on online, dining and overseas spend
₱2,500 fee#47 open10% back on foodpanda orders, then 3%
₱1,200 fee#48 open2.5% back in points at Mercury Drug
₱2,000 fee#49 openThin dataUnlimited Marhaba and PAGSS lounges
₱5,000 fee#50 open1 Play Point per ₱10, savings account included
₱1,500 fee#51 openThin dataFree first year plus 10,000 welcome points
₱3,600 fee#52 open1 point per ₱100 on Cebu Pacific, local lounges
₱3,000 fee#53 openThin dataNo annual fee for life and ₱20M family insurance
No annual fee#54 open1 point per ₱25 in Japan, points never expire
₱3,600 fee#55 open3x points on dining and shopping, here or abroad
₱2,500 fee#56 open3% back on fuel and tolls, up to ₱15k a year
₱2,800 fee#57 open2% foreign fee, lounge access, ₱10M insurance
₱5,000 fee#58 open5% back on Shell fuel, toll load and repairs
₱2,800 fee#59 open3% back at Landmark and Anson's on weekdays
₱960 fee#60 openPriority Pass membership, ₱20M family insurance
₱4,500 fee#61 open3% back as Lazada Credits on Lazada spend
₱3,000 fee#62 openBlack lane at Shopwise, 3,000-point welcome gift
₱3,000 fee#63 openFee auto-waived at 24 uses, 0% at select stores
₱2,500 fee#64 open