The Secret Setup

Last updated: July 2026

Congratulations! You’ve found the special page where I keep my deepest, darkest credit card setup.

Kidding aside, this is where you’ll find exactly which cards I’m currently using and what I’m using them for. I’ll also be updating this page from time to time, especially whenever there are changes to ongoing promos, so feel free to check back every now and then.

Without further ado, here’s my current setup in action: every spend, maximized.

At the moment, I divide my transactions between my two Metrobank cards:

Metrobank World Mastercard
Used for online transactions because of its 3x points feature.

Metrobank Travel Visa Signature
Used for all other transactions because of the ongoing Mabuhay Miles raffle promo.

As for my BDO cards, I’m currently using them to cash in to Grab. Since both the BDO American Express Explorer and BDO Diners Club Premiere are charged a 2% fee when used for Grab cash-ins, I only do this when there are spend-anywhere or online spend promos that can help offset the fee and still make the transaction net positive.

A small but important note: previous BDO spend-anywhere and online spend promos have counted Grab cash-ins, even if Grab was not explicitly mentioned in the mechanics. However, there is no guarantee that this will always be the case moving forward. This is a risk I knowingly take whenever I use this strategy.

I then use the cashed-in funds in Grab to pay my Metrobank credit card dues. I do this through Lazada by going to:

Pay Bills → Credit Cards (Metrobank) → Pay via QR PH

Once Lazada generates the QR code, I scan this on my Grab app and proceed with the payment as usual.

Another warning: Lazada’s pay bills can be unstable/unreliable when it comes to uptime so make sure to pay a few days earlier than your due date.

And that’s it.

Share this, gatekeep this, or pretend you never saw it.

I leave it all to you.