Trip.com Cashback: How to Earn and Save on Bookings

Travel does not have to be mahal if you know how to use Trip.com cashback. When you book flights or hotels, you can get money back or travel credits, so you save while planning your trip. Even small cashback adds up and helps with your next booking.

What Is Trip.com Cashback?

Trip.com cashback usually comes as Trip Coins, not direct cash. When you book eligible flights, hotels, or activities, you earn Trip Coins after the trip is completed.

These coins can be used to reduce the cost of your next booking on Trip.com. It works like travel credit for future trips. If you book often, the coins can add up and help you save on flights or hotels later.

However, the amount of Trip.com cashback you can get for each booking may vary depending on the following factors:

How to Earn Cashback on Trip.com?

Once you understand how Trip.com cashback works, it’s easy to earn more. Just choose bookings that offer Trip Coins, use the app for extra rewards, and watch for promos or member perks. Small steps like these help you build cashback for future trips without spending extra.

Book travel products that offer cashback

Most hotels, flights, attraction tickets, and travel packages offer cashback as Trip Coins. Before confirming your booking, you can see how many coins you’ll earn. A quick check before payment helps you know how much cashback you’ll get from your purchase.

Book using the Trip.com app

Many bonus rewards and special deals are only available on the app. Booking through your phone can sometimes give higher cashback than desktop bookings. Over time, these extra coins can add up and make a big difference.

Increase your Trip.com membership level

Higher membership levels usually earn more Trip Coins per booking. If you travel several times a year for flights or hotels, moving up to a higher tier can help you collect rewards faster.

Use partner credit cards

Trip.com often partners with banks and credit card companies to offer extra cashback, instant discounts, or bonus reward points. If you pay with a selected card during promo periods, you can earn additional cashback on top of your regular Trip Coins.

How to Use Trip.com Cashback?

Once you have earned Trip Coins, you can use them to get extra savings on your next trip.

Best Credit Cards for Cashback on Trip.com

1. HSBC Live+ Cashback Credit Card

Earn Rate: 8% (Dining), 5% (Shopping/Groceries/Entertainment), 2% (Fast Food).

Key Benefits:

• Hassle-Free Rebates: Cashback is automatically credited as a statement credit every month—no redemption required.
• Dining Discounts: Instant 15% off at hundreds of partner restaurants in the Philippines and across SE Asia.
• Travel Security: Free ₱10M travel insurance and protection against online shopping issues (up to USD 200).

Requirements:

• Minimum Annual Income: ₱400,000.
• Spend ₱10,000 monthly to trigger the high cashback rates.
• Must have an existing credit card (locally issued) for at least 6 months.

2. Security Bank Complete Cashback Platinum

Earn Rate: 5% (Groceries), 4% (Gas), 3% (Utilities), 2% (Dining), 1% (Shopping).

Key Benefits:

• The "Daily Driver": Automatically saves you money on five essential expense categories without any minimum spend requirements.
• Statement Credits: Rebates appear directly on your bill, reducing your amount due instantly.
• First-Year Perk: Annual fee is waived for the first year.

Requirements:

• Minimum Annual Income: ₱780,000.
• Monthly Cashback Cap: ₱1,100 (₱350 max per category).
• Best used for physical, in-store transactions within the Philippines.

3. American Express® Cashback Credit Card (BDO)

Earn Rate: 2% (Overseas & Online Int'l) | 1% (Local).

Key Benefits:

• No Limits: Unlimited cashback with zero minimum spend and no monthly caps.
• Travel-Ready: Earn a flat 2% back on every dollar or peso spent abroad or on international travel sites.
• Shopping Security: Built-in protection against loss or damage for your new purchases (up to ₱250k/year).
• Global Access: Enjoy "American Express Selects" for worldwide dining and travel discounts.

Requirements:

• Monthly Fee: ₱250 (Free for the first year).
• No minimum spend to earn.

Why Is Trip.com Cashback Worth It?

Now that you know how Trip.com cashback works, you might wonder if it’s worth it. Honestly, yes, especially if you travel more than once a year. It’s not just a one-time discount. You can keep earning and using it again for your next trip.

Not just a one time promo

Unlike one-time discount codes, Trip Coins keep adding up every time you book. When you book a flight or hotel today, you are already saving for your next trip. It’s like setting aside travel money without even noticing it.

The more you travel, the more you save

If you often plan family trips, barkada vacations, or work travel, your coins can grow faster than you expect. Over time, they can help reduce your total travel costs, especially for hotels and flights.

Works better with membership and credit cards

If you have a higher membership level or use a partner credit card, you can earn more Trip Coins. When combined, these rewards make the savings more noticeable than just waiting for random sales.

Easy to use at checkout

You don’t need to remember any complicated steps. If you have Trip Coins available, they are automatically applied at checkout. You’ll see the discount before you pay, making the process simple and smooth.

Need Help?

If you have any questions about your flight or run into any issues, Trip.com’s 24/7 customer support team is ready to help. You can visit the Help Center or contact support directly for quick assistance anytime.