All Articles With Category : Credit Card

The latest and the best financial news, tips and tricks.

11 Credit Cards for First-Time Applicants in the Philippines

Thinking of applying for a credit card? One of the first things you should know is that credit card companies will look at your credit history. Banks are after low-risk, consistent payers. Having a credit history[1] shows that you can responsibly use your credit card and not go over your credit limit. This is good for banks but difficult for those who are looking for credit cards for first-timers. If you’re a fresh graduate starting your first job, you may have difficulty getting approved for a credit card, more so if you don’t have any billing statements proving your capacity to pay. Don’t let the stringent process for credit card approval dishearten you. As long as you find out the credit card that you’re most qualified for and suits your needs best, you’ll go along just fine. Table of ContentsFeatures to Look For in a Credit Card for First-TimersLow annual feeLow income requirementLow credit card feesYour desired credit card perksTop Credit Cards for First-Timers in the Philippines1. Citi Simplicity+2. AUB Easy Mastercard3. AUB Classic Mastercard4. Metrobank M Free Mastercard5. Metrobank ON Virtual Mastercard6. PNB Classic Visa7. EastWest Practical Mastercard8. BPI Family Savings Credit Card9. RCBC Bankard Flex Visa10. Security Bank Classic Rewards Mastercard11. UnionBank Classic VisaFinal Thoughts Features to Look For in a Credit Card for First-Timers To trim down your options and save the most money, here are the things to prioritize when choosing the best credit card for beginners in the Philippines. Low annual fee Consider only cards with annual fees not exceeding PHP 2,000 so you can save…

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8 Credit Cards with Easy Application Requirements

What’s keeping many Filipinos from getting a credit card? One of the top three reasons for not having a credit card is the approval process. This finding is hardly surprising since most banks in the Philippines take a month or longer to process credit card applications. It can certainly be frustrating for someone to wait for approval. However, there are a few credit cards with easy application requirements and approval process. For example, secured credit cards and regular credit cards with low income requirement don’t require a deposit account with the bank. Some cards also don’t require proof of income for existing cardholders. If you’re looking for easy approval credit cards in the Philippines, here are your best options: Table of ContentsCredit Cards With Easy Application Requirements1. Citi Simplicity+2. HSBC Red Mastercard3. EastWest Practical Mastercard4. Security Bank Classic Rewards Mastercard5. PNB Visa Classic6. BPI Family Savings Credit Card7. RCBC Bankard InstaCard Secured Credit Card8. Security Bank Fast Track Secured Credit CardTips to Get Approved for a Credit Card1. Settle Outstanding Debts2. Open a Savings Account3. Review the Requirements4. Choose a Cheaper Credit Card5. Learn How Not to Get RejectedFinal Thoughts Credit Cards With Easy Application Requirements 1. Citi Simplicity+ ✅ Monthly income requirement: With existing credit card: PHP 15,000 Without a credit card: PHP 20,833 ✅ Annual fee: No annual fee for life ✅ Interest rate: 2% 📝 Citi Simplicity+ application requirements: At least 21 years old Active landline or mobile number Valid SSS, GSIS, TIN, or UMID number With existing credit card: Government-issued ID Without a credit card: Government-issued ID, certificate of…

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credit card with no annual fee Philippines

14 Credit Cards With No Annual Fee in the Philippines

There are many advantages to owning a credit card: ease of purchase, having an emergency line of credit and enjoying exclusive rewards and perks, among many others. Many people, however, are discouraged to get a credit card because of the fees that come with it. Credit card fees are disheartening—it’s true. But like all things, convenience comes with a price. If you need a plastic card, you can avoid additional charges by getting one of the 14 credit cards without annual fee in the Philippines. Table of ContentsWhat is a Credit Card Annual Fee?Credit Cards with No Annual Fee for LifeCREDIT CARDS WITH FREE ANNUAL FEEFEATURES & BENEFITSKnow more about credit cards with no annual fee in the Philippines.AUB Classic MastercardAUB Easy MastercardBank of Commerce Platinum MastercardBPI eCredit CardCiti Simplicity+ CardEastWest Platinum MastercardMetrobank M Free MastercardPNB – The Travel Club Platinum MastercardPSBank Credit MastercardCredit Cards with No Annual Fee Promo (Limited Time Only)Citi Rewards CardPNB-PAL Mabuhay Miles NOW MastercardRobinsons Bank DOS MastercardUnionBank Cebu Pacific GetGoFinal Thoughts What is a Credit Card Annual Fee? A credit card annual fee is a convenience fee that providers charge to their clients. Basically, it’s the amount you pay for using your bank’s credit card services. Pro tip: avoid annual fees so you can save more money. There are two kinds of credit cards without annual fee: cards with no annual fee for life and those with a limited annual fee waiver (e.g., free annual fee for a limited period, a minimum annual spend, etc.). Credit Cards with No Annual Fee for Life CREDIT CARDS…

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21 Best Credit Cards in the Philippines You Need to Have in 2021

If there’s one thing 2020 has taught us about money, it’s the value of cashless payments. Being in a predominantly cash-based society, Filipinos were used to paying cash for every transaction. But the COVID-19 pandemic changed that. People are now embracing cashless and contactless payment methods, such as credit cards and e-wallets, for their own convenience and safety. A credit card can also be a helpful tool in managing your finances, as long as you get the right one and use it responsibly. Is getting your finances in order among your resolutions for 2021? Then one of the things you need to do is to find the best credit card for your needs. Here are the best credit cards in the Philippines for different categories this 2021. Table of ContentsWhat is the Best Credit Card in the Philippines?Minimum Income and Other RequirementsCredit Card Fees and ChargesCredit Card Rewards, Cashback, and Other PerksBest Credit Cards in the Philippines for BeginnersCiti Simplicity+AUB Classic MastercardMetrobank M Free MastercardPNB Ze-lo MastercardBest Rewards Credit Cards in the PhilippinesHSBC Red MastercardCiti Rewards CardBest Cashback Credit Cards in the PhilippinesCiti Cash Back VisaSecurity Bank Complete Cashback MastercardUnionBank Platinum MastercardBest Credit Cards in the Philippines for Online ShoppingMetrobank Titanium MastercardMetrobank ON Virtual MastercardUnionBank Lazada Credit CardBest Credit Cards in the Philippines for TravelAirAsia Credit CardHSBC Platinum VisaRCBC Bankard Visa PlatinumMetrobank Travel Platinum VisaBest Credit Cards in the Philippines for Fuel Purchases and Auto ServicesShell Citi CardToyota MastercardHyundai MastercardBest Credit Cards in the Philippines for DiningHSBC Gold Visa Cash BackBPI Amore VisaFinal Thoughts What is the Best Credit Card…

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It’s Possible: How to Shop Online Even Without a Credit Card

You can’t deny the benefits of having a credit card. It makes you feel empowered because you can easily pay for the things that you need or want. This is especially true these days, as people are into online shopping. Add to that the fact that these tiny plastic cards offer exclusive perks and benefits, from rebates to airline miles. However, some people don’t have a credit card. This may be because they want to avoid certain financial problems down the road, knowing that they have a tendency to overspend. Others, however, find it hard to get qualified. Either way, the absence of credit cards makes online shopping quite a challenge. Maybe you want to feel the thrill of 11.11 or 12.12 sales. Or maybe, you just want to make your life much more convenient through online shopping. The good news is these are still possible even without that shiny plastic card. Read on to learn how to shop online without credit card. Table of Contents7 Ways to Shop Online Without Credit CardDebit CardCash on DeliveryGCash or PayMayaVirtual Credit CardPrepaid CardsOver-the-Counter PaymentThe Online Shop’s Electronic WalletOn Shopping SafelyFinal Thoughts 7 Ways to Shop Online Without Credit Card Debit Card Whether it’s your payroll or personal debit card, you can use it for your online shopping escapades. Good thing, many online shopping platforms accept a wide range of debit cards, including Visa and MasterCard. One benefit of using a debit card is that you don’t run the risk of having a large amount of debt, as you’re only using what is…

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11 Credit Card Christmas Promotion Offers for Your Holiday Dining and Shopping

The holiday season in the Philippines is all about celebrations, bonding activities, and gift-giving with family and friends—before and even in the new normal. It also means more expenses! But you can ease up your budget by taking advantage of credit card Christmas promo offers. Your issuing bank may just have the perfect credit card promo for you. Here’s a round-up of the most exciting credit card Christmas promotion offers for December 2020 and beyond. Table of ContentsWIN Apple AirPods + Free P2,000 GCashWelcome Gifts for New Cardholders1. Up to P7,000 GrabPay Credits and Grab Vouchers2. Up to P4,000 Vouchers from Datablitz or Power Mac CenterCredit Card Christmas Promo Offers for Dining1. Free Dining or 30% Off at HEAT2. 15% Off at Flavors Restaurant3. Citi Yellow Cab Promo Offers4. P100 Off Your GrabFood OrderCredit Card Christmas Promo Offers for Shopping1. Up to 30% Off at Shipping Cart2. Lazada 12.12 Christmas Sale Credit Card Promo Offers3. Free Treats from Yellow Cab or Krispy Kreme4. Up to 18% Off at ZALORA5. P3,000 Cash Back from BPIFinal Thoughts WIN Apple AirPods + Free P2,000 GCash The holidays just got exciting at Moneymax! Apply and get approved for any Citibank credit card on the Moneymax website and get a chance to win Apple AirPods. 20 Apple AirPods will be given away while every successful Citi credit card application will receive GCash worth PHP 2,000. Promo runs from December 7 to December 31, 2020. Choose the right Citi credit card for you below: CITI CREDIT CARD FEATURES & BENEFITS CITI SIMPLICITY+ Monthly income requirement: PHP 20,833…

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Earning Below P20,000? Consider These Credit Cards for Low Income Earners

Can you really get a credit card even with a low salary? Yes, you can! Don’t lose hope because there is a credit card for low income earners in the Philippines. Whoever says that only people with high-paying jobs can qualify for a credit card is mistaken. That’s a common credit card myth that has to be debunked. Table of ContentsWhat is a Credit Card for Low Income Earners?15 Credit Cards for Low Income Earners in the Philippines1. PNB Visa Classic2. PNB Visa Gold 3. EastWest Practical Mastercard4. Citi Simplicity+5. BPI eCredit6. PSBank Credit Mastercard7. Metrobank M Free Mastercard8. Metrobank ON Internet Mastercard9. BPI Family Credit Card10. LJC-RCBC Bankard Mastercard11. BDO ShopMore Mastercard12. BDO Standard Mastercard13. RCBC Bankard Classic14. HSBC Red Mastercard15. HSBC Gold Visa Cash BackFinal Thoughts What is a Credit Card for Low Income Earners? While a higher income raises one’s chance of getting approved for a credit card, it doesn’t mean low income earners in the Philippines can’t get a credit card. In fact, around 20 credit cards are within reach of employees with a modest monthly salary. Typically, a credit card for low income earners has the following features: Low annual income requirement (ranging from PHP 120,000 to PHP 180,000) – This means people earning from PHP 10,000 to PHP 15,000 may qualify for a credit card. Zero to low annual fee – Some low-income credit cards have no annual fee for life. Others have a low annual fee that’s waived for the first year. Low-interest rate – Some credit cards for people with low salary have an…

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Metrobank Direct Online: Everything You Need to Know

Metrobank, the second largest bank in the Philippines, continues to innovate their banking services by introducing Metrobank Direct, their very own online banking facility[1] If you’re a Metrobank account holder who wants to do banking transactions online, it’s best to know what to expect from their electronic services. Find out more with this helpful guide. Table of ContentsMetrobank Direct EnrollmentWho Can Enroll?How is the Enrollment Experience?What Enrollment Issues Might Happen?Metrobank Direct Online Banking ServicesNotable Online Banking Features4. Account PersonalizationMetrobank Direct Online Security1. Website Encryption2. User Authentication3. Alerts and Notifications4. Automatic LogoutReported Security Threats1. Email Phishing and Fake Login Website2. Unauthorized Transactions3. “Palit SIM” ScamFinal Thoughts Metrobank Direct Enrollment Who Can Enroll? According to the bank’s FAQ section, customers with ATM, debit, credit, and prepaid cards can register online. However, on the Metrobank Direct enrollment page, the only account option available is the ATM card. This means you can’t proceed with Metrobank online banking registration if your account doesn’t have an ATM card. In that case, proceed to any Metrobank branch to enroll your non-ATM deposit account. How is the Enrollment Experience? You can complete your Metrobank Direct application in one sitting without having to go to an ATM to activate your account. This makes it the easiest online banking enrollment process compared to BDO and BPI, which require an ATM activation before you can start. To activate your Metrobank Direct online account, just enter a one-time password (OTP), which is sent to your registered mobile number in the activation email link. Metrobank will let you know if your enrollment is…

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12 Exciting RCBC Credit Card Promos to Welcome 2021

Whether you’re a new or long-time RCBC credit cardholder, you are guaranteed access to exciting RCBC credit card promos all year round. These exclusive deals offer great bang for the buck, so why not snag them every chance you get? These promos are all up for grabs right before 2020 ends and way beyond 2021. Don’t waste time browsing the entire internet searching for the best offers. We picked the best RCBC credit card promos so you don’t have to. Table of ContentsRCBC Credit Card Promos on Dining30% Off on All Food Items at Pookaberry Café15% Off on Take-Home and Delivery Options at Hilton Manila10% Off on All Food Items at The Black Pig10% Off at Brothers Burger10% Off at The Dairy Grind5% Off on All Packages at Ketoliving PH5% Off at Illo’s Party TraysRCBC Credit Card Promos on ShoppingUp to 60% Off on Select Items at Shop TVUp to 40% Off on Select Items at OgawaUp to 30% Off at Balthazar ShoesUp to 15% Off on All Items at GarminPHP 250 Off at Forever21Final Thoughts RCBC Credit Card Promos on Dining 30% Off on All Food Items at Pookaberry Café Eligible cards: All RCBC credit cards Promo period: February 24, 2020 to December 31, 2020 Tired of the usual coffee shops near you? Head to Pookaberry Café in Quezon City and experience trendy meals and fun desserts. Use your RCBC credit card to order a minimum of PHP 2,000 and get 30% off. Plus, enjoy a buy 1 take 1 promo on their specialty drinks. 15% Off on Take-Home and Delivery Options…

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Credit Card vs Debit Card: Which Card Should I Use?

Credit card vs debit card, which is the right card to use? Each time you open your wallet to pay for a purchase, you face this dilemma when you don’t want to pay in cash. You then ask yourself “Should I pay with my credit card or debit card?” Choosing between a credit card and a debit card can be rather confusing. These two plastic cards look almost the same, and both are swiped or tapped on a point-of-sale (POS) terminal. But using a particular card in certain situations makes a huge difference in your finances. Keep reading to know the difference between debit and credit card and when is the smarter choice to use one. Table of ContentsWhat’s the Difference Between Debit and Credit Card?Credit Card vs Debit Card: Best Uses of a Credit Card1. Paying for Big-Ticket Purchases in Installments2. Online Shopping3. Travel-Related Bookings4. Paying for Bills and Other Recurring Charges5. Getting Rewards and Promos6. Building a Good Credit HistoryDebit Card vs Credit Card: Best Uses of a Debit Card1. Everyday Purchases2. Withdrawing Cash3. Controlling Bad Spending HabitsFinal Thoughts What’s the Difference Between Debit and Credit Card? The key difference between a credit card and debit card lies on where the money used for payment is taken from. Using a credit card means borrowing money up to a certain amount from your issuing bank to pay for your purchase. The total amount you can spend with your card per month depends on your credit limit. And since you’re borrowing from the bank, you’re expected to pay back what you…

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When is the Right Time to Get a Credit Card?

At this point, you probably know what a credit card is. You might also know how to apply for one. It has gotten a lot easier in recent years, actually. And by now, you should know why you need a credit card. The only question is when should you get a credit card? Because you can always apply for one anytime you want, but you won’t always get one or you won’t need one at the moment. So when’s the best time to get a credit card? Luckily, you have lots of opportunities to choose from. Check out your options below. Table of ContentsWhen You Have Carded ParentsWhen You Get Your First JobWhen You’re Trying to Apply for a LoanWhen You’re Planning to TravelWhen You Have a Tight BudgetWhen You’re Starting a BusinessFinal Thoughts When You Have Carded Parents Believe it or not, you can get a credit card even if you’re under 18 years old. How? By asking your carded parents to get you a supplementary credit card. Owning a supplementary card is the best way to start learning about credit at an early age. Your parents can even help you become a more responsible cardholder in the future, aside from paying the credit card bill. When You Get Your First Job Now that you’re part of the workforce, it’s best to get started with your credit card journey. You’ll definitely need to build a credit history as early as now. A 2019 report from Experian[1] found that 4% of American millennials already achieved perfect credit scores, which means…

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21 Exciting Security Bank Credit Card Promos You Shouldn’t Miss

We’re almost at the end of a very long 2020. It’s safe to say that you deserve to treat yourself for surviving yet another grueling year of hardships and triumphs. But don’t splurge on your savings just yet. Why not check out these Security Bank credit card promo offers? That’s right, if you’re a Security Bank credit cardholder, you still have a lot of promos to take advantage of before the year ends. So sit back and start planning your dinner dates and shopping sprees with these exciting offers. Table of ContentsSecurity Bank Credit Card Promo Offers for Dining40% Off on Your Total Bill at Swagat Indian Cuisine20% Off on Ala Carte Dishes at F1 Hotel10% Off on Total Bill at Ramenikko15% Off on Select Items at The Holy Gyu15% Off at Southern Grind Bistro15% Off at Ketos of ManilaPHP 300 Off at CakeRushSecurity Bank Credit Card Promo Offers for Shopping25% Off on All Items at Zalora20% Off on All Items at Trini Active10% Off on All Items at Quirks Novelties & Curiosities20% Off on All Items at Paraiba15% Off at FlexiSpot PH18% Off on All Built Bikes at Bikecology5% Off on Online purchases at Fully BookedPHP 500 Off at PounditPHP 150 Off at MayaniSecurity Credit Card Promo Offers for LifestylePHP 200 Off on COVID-19 Rapid Testing at Patient First Medical Center20% Off on Select Services at M Barbers25% Off on Services at Centro Estetico50% Off on Published Learning Fees at Ask Lex PH Academy40% Off on Website Design at Vertex VisionFinal Thoughts Security Bank Credit Card Promo Offers for…

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Beginner’s Handy Guide to BPI Credit Card Application Online

Thinking of applying for a BPI credit card? You’re in luck because you can conveniently apply for a BPI credit card online. That’s right! No need to go outside to submit a BPI credit card application. As long as you have all the required documents ready, the entire credit card application can be completed in just a matter of minutes. Learn how in our step-by-step guide. Table of ContentsBPI Credit Card Application: How to Apply for a BPI Credit Card Online1. Check your eligibility2. Review the BPI credit card requirements3. Pick a BPI credit card that suits your budget and lifestyle4. Fill out the BPI application form online5. Prepare and submit your BPI credit card requirements6. Find out your BPI application statusFAQs on BPI Credit Card ApplicationWhat is the BPI credit card application processing time?How to activate my BPI credit card?I have other concerns. How do I contact a BPI customer representative?Final Thoughts BPI Credit Card Application: How to Apply for a BPI Credit Card Online 1. Check your eligibility Before submitting an application, make sure that you are eligible for a BPI credit card. Below is BPI’s eligibility criteria for credit card applications: At least 21 years old Must be a Philippine resident or Filipino citizen Earning at least PHP 180,000 per annum Must have a business or residence contact number Your home or business address must be within a 30km. radius of a BPI or BPI Family Bank branch or Provincial Business Center 2. Review the BPI credit card requirements Have the following documents ready before submitting your…

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Exciting BPI Credit Card Promos to Check Out in 2020

2020 is about to be over—this means you only have about two months left to enjoy your credit card promo this year. Take advantage of owning your BPI credit card by availing of these exclusive deals tailored exclusively for you. Table of ContentsBPI Credit Card Promo Offers for Dining50% Off on Signature Dishes at Makati Shangri-LaUp to 50% Off at the Shang Palace in Makati Shangri-LaUp to 50% Off on the All-You-Can-Eat Offer at Circles Event Café15% off at Flavors in Holiday Inn & Suites MakatiBPI Credit Card Promo Offers for Shopping12% Off on Your First Purchase at Shopee18% Off on Your Purchase at ZaloraUp to 20% Off at Florsheim, Naturalizer, and TOMSPHP 280 Off at Ellana Cosmetics30% Off at The Bamboo CompanyBPI Credit Card Promo Offers for LifestyleUp to 30% Off on Shipping Expenses at ShippingCart50% Off on Auto Services at Car DoctorFinal Thoughts BPI Credit Card Promo Offers for Dining 50% Off on Signature Dishes at Makati Shangri-La Eligible cards: BPI Visa Signature Card Promo period: Now until November 30, 2020 Feeling a little bit fancy? Upgrade your dining experience without spending too much by using your BPI Visa Signature Card at Makati Shangri-La restaurants. Get 50% off on their signature dishes and treat yourself and your loved ones to a special dinner date. Up to 50% Off at the Shang Palace in Makati Shangri-La Eligible cards: BPI Visa Signature Card, Amore Visa Platinum, SkyMiles Platinum Mastercard, and Gold Mastercard Promo period: September 1, 2020 to November 30, 2020 The special dining deals at Makati Shangri-La doesn’t end there because your BPI credit card…

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Credit Card Interest Rate Cap and Other Updated Fees in 2020

Now here’s a great reason for you to get a credit card. Banks will soon start charging lower credit card interest rates and other fees. This comes after the Bangko Sentral ng Pilipinas (BSP) imposed limits on credit card charges in keeping with its all-time low policy rate[1] amid the COVID-19 crisis. Coupled with the 60-day moratorium on loan payments under the Bayanihan to Recover As One Act, the cap on credit card interest rates and fees will give Filipinos reprieve from financial difficulties during the pandemic. If you’re an existing cardholder, it’s a good opportunity to pay down your credit card debt. Whether you are applying for a new credit card or currently have one, here’s what you should know about the newly imposed restrictions on credit card interest rates in the Philippines. Table of ContentsWhat is the Cap on Credit Card Interest Rates and Fees?2% Credit Card Interest Rate Cap1% Credit Card Installment Rate CapP200 Credit Card Cash Advance Fee CapUpdated Credit Card Interest Rate PhilippinesBPI Credit Card Fees 2020Metrobank Credit Card Fees 2020Security Bank Credit Card Fees 2020 to 2021China Bank Credit Card Fees 2020UnionBank Credit Card Fees 2020EastWest Credit Card Fees 2020 to 2021Citibank Credit Card Fees 2020 to 2021HSBC Credit Card Fees 2020Maybank Credit Card Fees 2020Bank of Commerce Credit Card Fees 2020Final Thoughts What is the Cap on Credit Card Interest Rates and Fees? The BSP has issued Circular No. 1098[2] that sets the maximum credit card interest rates and fees in the Philippines. All BSP-regulated banks are mandated to implement the new rates starting November…

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Best International Credit Cards in the Philippines for Overseas Trips

Credit cards that bear the logo of Mastercard, Visa, or American Express are accepted as a payment mode for transactions around the world. Yes, nobody’s stopping you from swiping your card—the only problem is that it can be really costly if you’re using just a regular card and not any of the available international credit cards. A number of international credit cards in the Philippines help Filipinos save money and earn rewards on purchases made abroad. Some cards have low foreign transaction fees, while others have great rewards programs for international purchases. They also provide travel-related perks such as travel insurance and free access to airport lounges. Looking for that kind of credit card? Read on to find out the best international credit cards for overseas spending. Table of ContentsBest International Credit Cards PhilippinesHSBC Platinum VisaMaybank Platinum Visa / Platinum MastercardEastWest Singapore Airlines KrisFlyer World MastercardBPI Signature VisaPNB-PAL Mabuhay Miles World MastercardUnionBank Miles+ Platinum VisaMetrobank World MastercardBDO Platinum MastercardBPI Family Credit CardSecurity Bank Platinum MastercardRCBC Bankard Visa InfiniteHow to Use an International Credit Card AbroadNotify the Bank About Your TripCompute the Currency Conversion Rate for Your Overseas TransactionChoose to Pay in the Local Foreign CurrencyCheck and Keep Your ReceiptsFinal Thoughts Best International Credit Cards Philippines HSBC Platinum Visa HSBC offers a generous rewards system to Platinum Visa cardholders who use their card abroad (except for cash advance), with 4x bonus points for every qualified transaction. Key Features and Benefits Rewards: 4 bonus points per PHP 20 overseas and online spend (Points can be redeemed for miles at 1 air mile per PHP…

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Moneymax Reviews: Grab More Rewards with Citi Grab Credit Card

Do you use any one of Grab’s booking services on a daily basis? Then you’ll love this week’s edition of Moneymax Reviews. We’re putting Grab’s official co-branded credit card under the microscope in this Citi Grab Credit Card review. Can this credit card live up to the expectations of Grab enthusiasts? From exciting rewards to generous welcome gifts, Citi Grab Credit Card promises to be a reward-heavy credit card even non-Grab users will appreciate. Learn more about it in our in-depth review. Table of ContentsCiti Grab Credit Card Key FeaturesWhy Should I Grab the Citi Grab Credit Card?50 GrabReward Points Upon ApplicationGrab Platinum Tier Upgrade for 6 MonthsPHP 5,000 GrabPay Credits for New CardholdersPHP 2,000 Worth of Grab Vouchers for New CardholdersEarn Up to 10x Citi Points for Every PurchaseWhat Perks Can I Get with My Citi Grab Credit Card?Citi World PrivilegesCiti PayLite Installment PlansCiti Mobile AppCiti Grab Credit Card AlternativesFinal Thoughts Citi Grab Credit Card Key Features Annual fee: PHP 2,500 Interest rate: Effective until November 2, 2020: 3.50% Effective starting November 3, 2020: 2.00% Minimum monthly income requirement: PHP 20,883 Cash advance fee: Effective until November 2, 2020: PHP 500 or 3% of amount, whichever is higher Effective starting November 3, 2020: PHP 200 per cash advance transaction Late payment fee: Effective until January 7, 2021: PHP 850 or the unpaid due, whichever is lower Effective starting January 8, 2021: PHP 1,500 or the unpaid due, whichever is lower Overlimit fee: Effective until January 7, 2021: PHP 750 or the overlimit amount, whichever is lower Effective starting January…

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Get Free ₱2,000 GCash from Moneymax!

Go cashless in the new normal with a credit card that suits your lifestyle and needs. Still looking for the right one? Get one from Citibank through Moneymax and receive GCash worth PHP 2,000 upon approval! Use your GCash to pay bills, send money, and buy load and other purchases. Your GCash is also withdrawable as cash. This promo is exclusively from Moneymax and is only valid to new Citibank customers. Hurry and apply today! Promo runs from October 15 to October 31, 2020. Per DTI-FTEB Permit No. 106695, Series of 2020. For full Terms and Conditions, click here. Get the right Citibank credit card for you. See our table below: CITI CREDIT CARDS FEATURES & BENEFITS CITI SIMPLICITY + Monthly income requirement: PHP 20,833 No annual fees forever! No late payment and overlimit fees Interest rate: 3.50% CITI REWARDS CARD Monthly income requirement: PHP 20,833 3x points on shopping and dining transactions Non-expiring points! Use anytime, anywhere. 0% interest with Citi Paylite Interest rate: 3.50% CITI CASH BACK CARD Monthly income requirement: PHP 20,833 Up to 6% cash back on all purchases Save as much as P12,000 per year 0% interest with Citi Paylite Interest rate: 3.50% CITI PREMIERMILES Monthly income requirement: PHP 30,000 Earn 1 PremierMile for every PHP 30 spend Free travel insurance coverage Interest rate: 3.50% CITI PRESTIGE CARD Monthly income requirement: PHP 83,333 Earn 5x rewards points on shopping and dining Unlimited access to VIP airport lounges Interest rate: 3.50% SHELL CITI CARD Monthly income requirement: PHP 20,833 5% rebate on Shell fuel purchases 5%…

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I Lost My Credit Card. What Should I Do?

Ever lost a wallet before? Imagine losing your valid IDs, spare cash, and your credit card. Out of all the things you’ve lost, your lost credit card has the most potential to bury you in a huge mountain of debt, provided you didn’t handle the situation well. Learn more about the importance of this matter and find out what you can do if you do lose your precious credit card. Table of ContentsI Lost My Credit Card, So What?What Should I Do After Losing My Credit Card?Can I Recover My Lost Credit Card?What Should I Do to Protect My Credit Card? I Lost My Credit Card, So What? Losing your credit card is a serious matter. While it’s true that the credit card itself doesn’t have your money contained with it, a fraudulent user can rack up your debt without your knowledge. Whoever got your lost credit card can basically buy whatever they want at your expense. Ignore this problem and you’ll be greeted with a credit card bill you’ll sell your kidney for. This is because typically, any purchases made using a credit card under your name will be held liable to you. The worst part is that fraudsters don’t even need your physical card to use your credit card. All they need is access to your credit card information like its card number, date of expiry, and the card verification code (CVC) found at the back of your card. Read more: [INFOGRAPHIC] The Anatomy of a Credit Card What Should I Do After Losing My Credit Card? If you…

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Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa

Don’t blink because you’ll definitely miss another edition of Moneymax Reviews! This week, we’re taking a look at HSBC’s premium cash back credit card, the HSBC Gold Visa. What can this credit card bring to the table? We’ll find out in this HSBC Gold Visa review. The HSBC Gold Visa Cash Back’s main selling point is the 5% rebate on dining expenses. Does that make HSBC Gold Visa the perfect dining partner? What other perks can it offer? Let’s answer all that and more. Table of ContentsHSBC Gold Visa Cash Back Key FeaturesWhy Should I Get an HSBC Gold Visa Cash Back?What Perks Can I Get with My HSBC Gold Visa?Exclusive Privileges0% Installment PlansCash Installment PlanHSBC AutochargeHSBC Gold Visa Cash Back AlternativesFinal Thoughts HSBC Gold Visa Cash Back Key Features A good HSBC Gold Visa review starts with the basics. Looking at its key features, you’ll see how the HSBC Gold Visa stack up with other credit cards out there. Don’t take it on face value just yet—this card definitely deserves a closer look. Annual fee: PHP 2,500 Interest rate: 3.50% Minimum monthly income requirement: PHP 16,667 Cash advance fee: 3% of the amount borrowed or PHP 500, whichever is higher Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 500 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum Card replacement fee: PHP 400 Read More: HSBC Credit Card Application: A Guide for First Timers…

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