Just got two new cards, help me recalibrate usage

Discussion

Currently this are the cards that I have:

  1. BDO Gold Visa (Only used for promotions)
  2. BDO MC Plat (Newly upgrade from SM, received this month - w/ priority pass, might use for lounge access later this year - also for promotions)
  3. UB Gold Visa (used to be my go to card if other card don't have promotions - NAFFL)
  4. BPI Rewards Plat (newly upgraded from blue, received this month - this might be the new go to card for daily driver, aside for food, shopping, and restaurant expenses - NAFFL)
  5. HSBC Live+ (for food, restaurant and shopping - NAFFL)
  6. EW JCB Plat (not used at all, NAFFL)

So basically, I have two new upgraded cards, am I right to say that BPI has the best value for rewards among the cards that I have right now? (If I am not mistaken, Php 1 for 300 pesos, which is better than my UB Gold Visa before which is Php 1 for 350 pesos spent). Also, Do you happen to know the best rewards card in the market today?

Ultimately, my goal is to get the Visa Platinum of EW (purely cashback ang goal for the future pero since wala pa the excess expenses will go to rewards card). Would you agree that that's my best option for now?

Posted Nov 3, 2025, 9:09 PM UTC

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