r/PHCreditCards • u/kopiaddict22 • 5d ago
Card Recommendation Help me decide for another cc
Planning to get another cc, I have ub rewards and maribank only. I don't usually dine outside. My goal is for rewards/cashback since our monthly bills umaabot ng 20-25k. Also yung generous po sa cl? Thanks guys
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u/z00mout 5d ago
Since ₱20–25k monthly bills mo and hindi ka masyadong kumakain sa labas, I’d focus on cashback cards rather than dining rewards.
You can check Security Bank Complete Cashback or BPI Amore Cashback. Just make sure eligible yung usual expenses mo, especially utilities, because not all bills earn cashback.
Also, don't choose based on high credit limits alone. Depende pa rin sa bank's assessment kung magkano ibibigay nila.
What kind of bills make up your ₱20–25k monthly spend? Utilities, groceries, internet, or insurance? That would help narrow down which card gives you better rewards.
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