HSBC Philippines Gold Visa Cash Back Credit Card

Enjoy up to 5% cashback on dining and other rewards with the HSBC Gold Visa Cash Back Credit Card, perfect for everyday spending.

Last checked on June 11, 2026. We may earn a commission when you click through.

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✓ 5% cashback on dining expenses ✓ No annual fee in the first year ✓ 1% seasonal cashback on selected overseas and department-store purchases
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HSBC Philippines Gold Visa Cash Back Credit Card

Visa · cashback

Our Verdict

The HSBC Gold Visa Cash Back Credit Card is a solid choice for those who frequently dine out and want to maximize cashback on their spending.

What it really costs

Annual feeAnnual fee waived in the first year. No annual fee
APR Range 34.68% – 36%
Rewards5% cashback on dining, 1% on selected overseas and back-to-school department-store spend, 0.2% on all other transactions. 5%

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Who it's for

This card suits individuals who frequently eat out and want to earn cashback on their everyday spending.

Watch out

Be cautious of the high APR if you tend to carry a balance month to month.

The good and the not so good

  • 5% cashback on dining expenses
  • No annual fee in the first year
  • 1% seasonal cashback on selected overseas and department-store purchases
  • 0.2% cashback on all other transactions
  • Widely accepted Visa card network
  • APR fixed at 36%, which can be high for balance carriers
  • Cashback rate may not appeal to non-diners
  • Limited seasonal cashback categories
  • Redemption process may be unclear for new users
  • Potential hidden fees on late payments

In-Depth Review

If you dine out often, the HSBC Gold Visa Cash Back Credit Card provides enticing cashback opportunities, particularly with a generous **5% cashback on dining**. This can significantly enhance your rewards if dining is a regular part of your budget. Additionally, the **1% seasonal cashback** on overseas and department-store purchases adds value during specific shopping periods. The card has no annual fee for the first year, making it an appealing choice for new users. However, be wary of the **fixed 36% APR**, which can lead to steep interest charges if balances are not paid in full. This makes it less ideal for those who usually carry a balance from month to month. While the cashback rates are appealing, the limited earning potential outside of dining may leave some users wanting more. Users might also find the **redemption process** less straightforward, especially if they are unfamiliar with cashback cards. It's worth checking the details on the issuer's [official site](https://www.hsbc.com.ph/credit-cards/products/gold-visa/) for specifics on how to maximize your rewards.

Summary

The HSBC Gold Visa Cash Back Credit Card is a great option for dining enthusiasts but may not be suitable for those who carry a balance due to its high interest rate.

What cardholders say

Cardholders appreciate the cashback on dining but express concerns about the high APR and redemption process.

See full review

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