All Articles With Category : Credit Card
The latest and the best financial news, tips and tricks.
Applying for a Credit Card? Prepare These Credit Card Requirements First
- By Moneymax
- September 24, 2021
Credit cards can help you build a good credit history and save money with numerous benefits and rewards. Despite these perks, only less than 10% of Filipinos own a credit card.[1] Perhaps, many are discouraged by credit card requirements imposed by banks. In addition, many individuals are deterred by credit card debt—even if debt and credit cards don’t come together.[2] Credit cards, when used responsibly, can be great for your financial well-being. Preparing for the application is vital to ensure that you’re getting the best chance of approval. To help you get your application ready, we listed down the credit card requirements from some of the top banks in the country. Table of ContentsCredit Card Requirements in the PhilippinesAUB Credit Card RequirementsBPI Credit Card RequirementsChina Bank Credit Card RequirementsCitibank Credit Card RequirementsEastWest Bank Credit Card RequirementsHSBC Credit Card RequirementsMaybank Credit Card RequirementsMetrobank Credit Card RequirementsPNB Credit Card RequirementsRCBC Credit Card RequirementsSecurity Bank Credit Card RequirementsUnionBank Credit Card Requirements5 Tips When Applying for a Credit Card1. Get a Card That Fits Your Budget2. Compare Credit Cards3. Limit Your Credit Card Applications4. Prepare Your Documents Beforehand5. Understand the Terms and ConditionsFinal Thoughts Credit Card Requirements in the Philippines Are you curious to know what the credit requirements of banks in the Philippines are? Here’s a quick rundown of what you need to prepare for that credit card application. AUB Credit Card Requirements ✅ Eligibility Requirements: 21 to 65 years old Filipino citizen or local resident foreigner Employed for at least a year as a regular employee or operating a business profitably for…
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Earning Below P20,000? Consider These Credit Cards for Low Income Earners in the Philippines
- By Venus Zoleta
- September 22, 2021
Having a monthly salary below PHP 20,000 makes you think you’ve got a slim chance of getting approved for a credit card. But now that e-commerce and electronic payment methods are a priority in efforts to boost both financial and digital inclusion throughout the country,[1] banks in the Philippines have also made credit cards for low income earners available. So, can you really get a credit card even with a low salary? Yes, you can! A high-paying job can strengthen your credit card application, but having a low income can still let you own a credit card. Here’s a list of credit cards you can apply for. Table of ContentsWhat is a Credit Card for Low Income Earners?17 Credit Cards for Low Income Earners in the Philippines1. PNB Visa Classic2. PNB Visa Gold 3. EastWest Practical Mastercard4. Citi Simplicity+5. PSBank Credit Mastercard6. Metrobank M Free Mastercard7. BPI Family Credit Card8. LJC-RCBC Bankard Mastercard9. RCBC Bankard Classic10. HSBC Red Mastercard11. HSBC Gold Visa Cash Back12. PNB Ze-Lo Mastercard13. Landbank Classic Credit Card14. Robinsons Bank DOS Mastercard15. AUB Easy Mastercard16. Security Bank Classic Rewards Mastercard17. Bank of Commerce Classic MastercardWhat to Consider When Choosing a Low Income Credit Card in the Philippines1. Perks That Fit Your Lifestyle2. Your Own Bank’s Credit Card 3. Low Credit Card FeesFAQs on Low Income Credit Cards in the Philippines1. Can I apply for a credit card even without proof of income?2. Can I submit proof of income coming from different sources? 3. Do I need a guarantor or co-borrower when applying for a credit card?4. Do credit cards for…
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15 Exciting Security Bank Credit Card Promo Offers You Shouldn’t Miss
- By Rouselle Isla
- September 20, 2021
We’re almost at the end of a very long 2021. 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 shopping sprees and staycations with these exciting offers. Table of ContentsSecurity Bank New Credit Card PromoSecurity Bank Dining Promo OffersFree Seafood Jambalaya at GumboFree Friday Fish Fry at Burgoo10% Off on Total Bill at Brothers BurgerFree Crispy Pork Belly at Bistro CharlemagneSecurity Bank Credit Card Promo Offers for Shopping15% Off + Free Delivery at Fresh and Green25% Off Plus Free Shipping at Edamama5% or Up to P300 Cashback at Buyandship5% Off at Fully BookedSecurity Bank Zalora Promo 2021Free Blender from AllHome20% Off at Trini ActiveSecurity Bank Credit Card Hotel Promo Offers Exclusive Room Rates at Acacia Hotel Davao30% Off at Two Seasons Resorts50% Off on Rooms at Boracay Mandarin Island HotelFinal Thoughts Security Bank New Credit Card Promo Eligible cards: Security Bank Mastercard Classic, Gold, Platinum, World, and NextPromo period: Now until September 30, 2021 All newly approved cardholders of the eligible credit cards will get the chance to win up to PHP 700 worth of SM, Shakey’s, or Shopee eGCs through a digital Spin the Wheel.[1] The minimum spend requirement (single or accumulated) is PHP 10,000, with a minimum amount…
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Getting a Supplementary Card for Your Loved One? Here’s What You Need to Know First
- By Janine Daquio
- September 17, 2021
You’ve been a credit cardholder for a few years now, and you’ve experienced firsthand how credit cards can help you manage your finances efficiently. So naturally, you’re thinking of getting a supplementary credit card for your loved one to see if it can help them, too. While there’s nothing wrong with extending your credit line through supplementary credit cards, you should be aware that having supplementary cards may affect your account. Don’t get one if you’re not sure how supplementary credit cards work. You should also know the difference between a principal card and a supplementary card before making a decision. Read this guide about supplementary credit cards in the Philippines first before you decide on getting one for someone you love. Table of ContentsWhat is a Supplementary Credit Card?How Does a Supplementary Credit Card Work?Supplementary Credit Card FeaturesPrincipal Card vs Supplementary Card: What’s the Difference?1. Simpler Supplementary Card Application Requirements and Process2. Low Supplementary Card Annual Fees3. No Rewards Points Redemption for Supplementary CardholdersWho Should Get a Supplementary Credit Card?Supplementary Credit Card Options in the PhilippinesAUB Supplementary CardBPI Supplementary CardCitibank Supplementary CardEastWest Bank Supplementary CardHSBC Supplementary CardMaybank Supplementary CardMetrobank Supplementary CardRCBC Bankard Supplementary CardSecurity Bank Supplementary CardUnionBank Supplementary CardHow to Apply for a Supplementary Credit Card in the Philippines1. Prepare the Supplementary Credit Card Requirements2. File Your Supplementary Credit Card ApplicationQuestions to Ask Before Applying for a Supplementary Credit Card 1. Are They Ready to Use a Supplementary Credit Card?2. Am I Financially Stable to Cover the Additional Debt?3. Is My Credit Limit Enough? 4. Do I Have the Time…
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Moneymax Reviews: How Rewarding is a Citi Rewards Card?
- By Ricky Publico
- September 16, 2021
What’s the one thing first-time and long-time cardholders have in common? Their affinity for credit card rewards. One of the most popular rewards credit cards out there is the Citi Rewards Card. You could be searching for other cards, but Citibank’s rewards-filled credit card has always been a good place to start. Fortunately, we got you covered with this Moneymax Reviews edition, where we take an in-depth look at credit cards in the Philippines. And the first product to go under the microscope? You guessed it—the Citi Rewards Mastercard. Find out more in this Citi Rewards Card review. Table of ContentsCiti Rewards Card FeaturesWhat Rewards Can I Redeem with a Citi Rewards Card?What Perks Can I Enjoy with a Citi Rewards Card?Citi Rewards Card Alternatives💳 Citi Simplicity+ Card💳 HSBC Red Mastercard and Metrobank Titanium Mastercard💳 Citi Cash Back Card💳 HSBC Platinum VisaFinal ThoughtsCITI CREDIT CARDFEATURES & BENEFITS Citi Rewards Card Features Every credit card comes with a set of terms and conditions, and the Citi Rewards Card is no different. It’s important to study them before applying for any credit card out there. Annual fee: PHP 2,500 for principal cardholders (free for the first year) PHP 1,250 for supplementary cardholders (free for the first year) Interest rate: 2% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 200 per transaction Late payment fee: PHP 1,500 or the unpaid minimum amount due, whichever is lower Overlimit fee: PHP 1,500 or the highest overlimit amount, whichever is lower Foreign transaction fee: 3.525% of amount Card replacement…
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4 Tips on How to Increase Your Credit Card Limit (and How to Request per Bank)
- By Venus Zoleta
- September 15, 2021
Asking the bank to raise your credit limit isn’t always a bad move—unless your only intention is to splurge on things you can’t afford. A credit card limit increase boosts your spending power, which is extremely helpful in preparing for the unexpected, like a financial emergency or a crisis like the current COVID-19 pandemic. It helps you cover your needs without having to worry about maxing out your card. With an increased credit limit, you can also meet your family’s growing needs. When you add supplementary credit cards to your account, you share just one credit line with all cards under your name. So getting a credit card limit increase makes sense in this situation, and it all starts with learning how to increase the credit limit on your card. Table of ContentsHow to Increase Credit Limit in the PhilippinesAUB Credit Limit IncreaseBPI Credit Limit IncreaseCiti Credit Limit IncreaseEastWest Bank Credit Limit IncreaseHSBC Credit Limit IncreaseMaybank Credit Limit IncreaseMetrobank Credit Limit IncreasePNB Credit Limit IncreaseRCBC Credit Limit IncreaseSecurity Bank Credit Limit Increase4 Tips to Improve Your Chances of Getting a Higher Credit Limit1. Don’t Ask Too Soon2. Make Sure You’re Creditworthy3. Explain Why You Deserve a Credit Card Limit Increase4. Don’t Ask for Too MuchWhat Happens After Getting a Credit Card Limit Increase?1. Your Credit Utilization Will Be Low 2. Your Credit Card Might Get Upgraded3. Lenders Might Offer Loans at Lower Interest Rates 4. You Can Enjoy More Perks5. You Might Want to Close Other Credit CardsFAQs on Credit Card Limit Increase1. Is it bad to request a higher credit limit?2….
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What is a Credit Card? Learn Its History, Definition, Uses, and More
- By Pierre Salonga
- September 8, 2021
You may already have an idea about credit cards. In fact, you may be considering getting one. Otherwise, you wouldn’t be reading this article. However, what keeps you from actually getting a card is your lack of working knowledge about it. After all, what we don’t fully know often scares us or makes us anxious. Add to that the credit card horror stories you may have heard from family and friends. If you’re a credit card newbie, this article’s for you. This will show how practical credit cards are as a budgeting and spending tool. We’ve also laid out the pros and cons of having one so you’ll be able to make an informed decision. Table of ContentsFrom Charge Plates to Plastic Cards: A Brief Credit Card HistorySo What is a Credit Card?What is a Credit Line?How Do You Use a Credit Card?How is a Credit Card Different from a Debit Card?What is Credit Card Interest?Are There Other Credit Card Fees to Cover?What are the Advantages of Owning a Credit Card?1. Convenience2. Zero-Interest Loans and Installments3. Helps Build Your Credit Score4. Perks and PrivilegesWhat are the Disadvantages of Owning a Credit Card?1. Creates Unnecessary Debt2. Damages Your Credit History3. Lots of FeesFinal Thoughts From Charge Plates to Plastic Cards: A Brief Credit Card History People had been using the concept of credit cards long before the word credit card was coined. For instance, merchants in the 1800s used charge plates and special coins to extend credit to local farmers until they collected profits from harvests and produce.[1] And in the…
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Beginner’s Handy Guide to BPI Credit Card Application Online
- By Mayee Gonzales
- September 6, 2021
Thinking of applying for a BPI credit card? You’re in luck because you can conveniently submit your BPI credit card application 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 to do it through 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 Application1. What is the BPI credit card application processing time?2. How to activate my BPI credit card?3. 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 you’re eligible for a BPI credit card. Below are BPI’s eligibility criteria for credit card applications: At least 21 years old Philippine resident or Filipino citizen Earning at least PHP 180,000 per year Have a business or residence contact number 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 BPI…
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Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa
- By Ricky Publico
- September 3, 2021
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 FeaturesWhy Should I Get an HSBC Gold Visa Cash Back?What Perks Can I Get with My HSBC Gold Visa?🔥 Exclusive Privileges🔥 0% Installment Plans🔥 Cash Installment Plan🔥 HSBC AutochargeHSBC Gold Visa Cash Back Alternatives💳 Citi Cash Back Card💳 Security Bank Complete Cashback Mastercard💳 BPI Amore Visa Cash Back💳 HSBC Red MastercardFinal Thoughts: HSBC Gold Visa Review HSBC Gold Visa Cash Back 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: 2% Minimum monthly income requirement: PHP 16,667 Cash advance fee: PHP 200 per transaction Cash advance interest rate: 2% Late payment fee: PHP 1,000 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 800 Foreign transaction fee: 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to…
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Credit Card Dos and Don’ts: What Should You Do and Not Do with Your Card?
- By Moneymax
- August 31, 2021
Owning a credit card can make some people feel empowered. After all, everyone lives in a virtually cashless world where a high credit limit is prized. But you must realize that your credit card is a double-edged sword. Use it right, and you’ll see how efficient your financial management will be. Abuse it, and you’ll experience an overwhelming amount of stress brought about by massive debts. The first step to building good credit card habits is knowing that having a card doesn’t mean that you have instant cash to spend. The money that you spend using this card is just a loan that you have to pay back eventually. While this is basic information, a lot of people seem not to acknowledge it. We’ve come up with a list of credit card dos and don’ts that will help you use your card properly. Here’s what you should do and not do with a credit card. Table of ContentsCredit Card Dos and Don’ts: 17 Best Rules for Using Your CardThe Dos of Using a Credit CardThe Don’ts of Using a Credit CardFinal Thoughts Credit Card Dos and Don’ts: 17 Best Rules for Using Your Card The Dos of Using a Credit Card 1. Think Twice Before Spending with Your Card The act of swiping the card and signing the receipt can, for some people, feel more bearable than having to part with their hard-earned cash. Thus, people find it easier to spend more on their credit cards than they would with cash. Here are the best rules to keep in mind,…
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HSBC Credit Card Promos 2021: 10 Offers You Should Not Miss
- By Moneymax
- August 27, 2021
Do you have a credit card with HSBC? Make the most out of its use with an HSBC credit card promo. If you don’t have an HSBC card yet, you can immediately qualify for certain promos that cater to new customers. Here are 10 HSBC credit card promos you won’t want to miss this year. Table of ContentsHSBC Credit Card Promos for New CardholdersP2,500 Cash Rebate with Your First HSBC Credit CardP5,000 Cash Rebate with Your First HSBC Platinum VisaHSBC Credit Card Promos for Dining15% Off at Seda Hotels20% Off at Conrad Hotel’s Brasserie on 310% Off on Hilton Hotel’s Bring Hilton Home Menu HSBC Credit Card Promos for Shopping20% Off at ShippingCartUp to 20% Discount at Zalora10% Off at Nest GenieHSBC Credit Card Promos for Beauty and WellnessBFF Manila Freebies10% Off on Nova Wellness Store Final Thoughts HSBC Credit Card Promos for New Cardholders P2,500 Cash Rebate with Your First HSBC Credit Card Eligible cards: HSBC Red Mastercard and HSBC Gold Visa Promo period: Now until December 31, 2021 Spend period: Now until February 28, 2022 First-time cardholders are in for a real treat. Apply now for any eligible HSBC credit card online, spend at least PHP 5,000, and receive a PHP 2,500 cash rebate,[1] no questions asked. That should set the mood of your first HSBC credit card experience. P5,000 Cash Rebate with Your First HSBC Platinum Visa Eligible card: HSBC Platinum Visa Promo period: Now until December 31, 2021 Spend period: Now until to February 28, 2022 You can also get an even bigger rebate[2] when you apply for…
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10 Credit Card Myths You Should Stop Believing
- By Pierre Salonga
- August 25, 2021
Credit card penetration in the Philippines remains low.[1] Although the pandemic has driven consumers to transact online, around 42% of Filipinos still prefer cash payments[2] over credit cards for online shopping. What’s stopping potential eligible cardholders in the Philippines from getting a credit card? Are credit card misconceptions a factor in the low number of Filipinos owning one? According to the 2018 Moneymax Financial Life Survey, Filipinos don’t want to apply for a credit card for three main reasons: high interest fees, stringent approval process, and lack of financial discipline. However, many Filipinos also fear credit cards might put them in jail or worsen their financial situations. Credit card myths have long been hindering Filipinos from leveraging bank products that could improve their cash flow and financial health. Moreover, having wrong assumptions about credit cards can also hurt your credit score, cost you more money, and make you miss out on great credit card benefits. It’s time we ditch these common credit card myths and know what the real deal is about credit cards. Table of ContentsTop 10 Credit Card Myths in the Philippines1. Credit Cards Will Drown You in Debt2. You’ll Be Fine If You Pay Only the Minimum Balance3. Unpaid Credit Card Debt Can Get You in Jail4. It’s Difficult to Apply and Get Approved for a Credit Card5. You Can’t Negotiate Credit Card Terms6. You Can’t Have More Than One Credit Card7. Credit Card Fees are Expensive8. Credit Cards are Only for the Rich9. You Should Cancel Unused Credit Cards10. Credit Cards are More Prone to FraudFinal…
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4 Safe and Easy Ways to Pay for Tuition Other Than Cash and Check
- By Moneymax
- August 20, 2021
Parents always believe that education is the best thing they can leave their children with. Being educated provides children a lifetime shield against poverty. Because education is very important in Filipino culture, parents, regardless of economic status, do their best to send their kids to the best learning institution. When it comes to a child’s learning journey, parents need to face the challenge of paying the price. How much do you need to save for your child’s education? And if you haven’t saved enough to pay in cash and check, what are the ways for you to pay? Is it possible to pay tuition with a credit card? Should you apply for a personal loan to settle school fees? With the pandemic, we’re all faced with a crisis that could make it difficult for us to pay for tuition, miscellaneous, and other school fees in cash and in person. So, here are a few ways to settle these without compromising your health, safety, cash flow, and financial security. Table of ContentsWays to Safely and Easily Pay for Tuition in the PhilippinesCredit CardDebit CardE-WalletOnline or Mobile BankingOther Ways to Pay for Tuition in the PhilippinesFinal Thoughts Ways to Safely and Easily Pay for Tuition in the Philippines Credit Card We all know how credit cards in the Philippines can help parents pay installment tuition fees. Without the need for cash on hand, cardholders can settle all school fees through a credit card and repay in installments. The mode of repayment highly depends on the terms and conditions set by the credit…
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Moneymax Reviews: Keeping it Simple with a Citi Simplicity Card
- By Ricky Publico
- August 19, 2021
You’ll never forget your first credit card. It’s the first taste of financial freedom, after all. No need to pay cash whenever you’re out. Just swipe away and boom, your needs are met. That’s why it’s important to keep the search for your first credit card in the Philippines hassle-free. You can’t just take whatever’s nearest. Sometimes, things just need to be simple. Enter Citi Simplicity Card. Your friends and colleagues have probably recommended this card to you countless times. Because whether it’s your first time applying for one or you just need an extra card that’s easy to acquire, this little card that won’t disappoint. Need more proof? Check out this Citi Simplicity Card review in the Philippines. Table of ContentsCiti Simplicity Card Terms and ConditionsCiti Simplicity Card FeaturesCiti Simplicity Card Review Philippines: Why Should You Apply?What Perks Can I Enjoy with My Citi Simplicity Card?Citi Simplicity Card AlternativesCITI CREDIT CARDFEATURES & BENEFITSFinal Thoughts Citi Simplicity Card Terms and Conditions Getting to know your credit card is one important step in choosing one, and this includes studying its terms and conditions. Check out Citi Simplicity Card’s key features below. Citi Simplicity Card Features Annual fee: No annual fees for life Interest rate: 2% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 200 per cash advance transaction Late payment fee: None Overlimit fee: None Foreign transaction fee: 3.525% of amount Card replacement fee: PHP 400 Read more: Applying for a Credit Card? Prepare These Credit Card Requirements First Citi Simplicity…
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Should I Get a Credit Card? Helpful Tips to Know When to Get One
- By Ricky Publico
- August 13, 2021
Regardless of how people say adulting is hard, it’s still an exciting journey. This is the time to get out of your comfort zone and decide about career, love, and money independently. If you’re a few steps away from independence, a lot of things will come to mind, including the important question: Should I get a credit card? At this point, you should already know what a credit card is and maybe even how to apply for one. It has gotten a lot easier in recent years. You can apply from agents deployed in malls or directly online. You’re also probably aware of how credit cards can help you manage your finances by allowing purchases and payments without the need for cash on hand. But credit cards aren’t always advantageous for everyone, especially when you’re not ready to own a card. Maybe set aside the excitement over making cashless payments for now and check when and why you should get a credit card first. Table of ContentsSigns You’re Ready to Have a Credit Card1. You Have a Steady Source of Income2. You Fulfill All Your Other Responsibilities3. You Plan Your Purchases4. You Understand How Credit Cards Work5. You are Organized Signs You’re Not Ready to Own a Credit Card1. You Have Existing Debts2. You Depend on Your Parents Financially3. You Don’t Know Where Your Money Goes4. You Don’t Have Enough Savings5 Things to Consider When Deciding to Get a Credit Card1. Your Financial Readiness2. Interest Rates3. Annual Fees4. Rewards and Benefits5. Security and UsageWhen Should I Get a Credit Card?Your Parents…
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Best Credit Cards in the Philippines: Top 21 Credit Cards for 2021
- By Venus Zoleta
- August 10, 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 Beginners💳 Citi Simplicity+💳 AUB Classic Mastercard💳 Metrobank M Free MastercardBest Rewards Credit Cards in the Philippines🎁 HSBC Red Mastercard🎁 Citi Rewards Card🎁 RCBC Flex Visa Best Cashback Credit Cards in the Philippines💸 Citi Cash Back Card💸 UnionBank Gold Mastercard 💸 Security Bank Complete Cashback Mastercard💸 UnionBank Platinum MastercardBest Credit Cards in the Philippines for Online Shopping🛒 Metrobank ON Virtual Mastercard🛒 UnionBank Lazada Credit Card🛒 BPI eCredit CardBest Credit Cards in the Philippines for Travel✈️ AirAsia Credit Card✈️ HSBC Platinum Visa✈️ RCBC Bankard Visa PlatinumBest Credit Cards in the Philippines for Fuel Purchases and Auto Services🚘 Shell Citi Card🚘 Toyota Mastercard🚘 Hyundai MastercardBest…
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Moneymax Reviews: 4x the Fun with HSBC Red Mastercard
- By Ricky Publico
- August 5, 2021
It’s not a bird, it’s not a plane, it’s another edition of Moneymax Reviews! Our exploration of the best credit cards in the Philippines continues with our first entry from HSBC. How well can HSBC’s beginner-friendly credit card fare in this HSBC Red Mastercard review? Let’s find out. Table of ContentsHSBC Red Mastercard FeaturesWhy Should I Get an HSBC Red Mastercard?What Perks Can I Enjoy with My HSBC Red Mastercard?HSBC Red Mastercard AlternativesFinal Thoughts HSBC Red Mastercard Features Before we go any further, let’s first judge the card by its features. Looking at the list below, it’s easy to see why the HSBC Red Mastercard is a popular choice. Just look at that low annual fee and annual income requirement. Annual fee: PHP 2,500 (free on the first year) Interest rate: 2% Minimum monthly income requirement: PHP 16,667 Cash advance fee: PHP 200 per transaction Late payment fee: PHP 1,000 or unpaid minimum amount due, whichever is lower Overlimit fee: PHP 800 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 Why Should I Get an HSBC Red Mastercard? So what do you get for a seemingly affordable credit card? Two words: accelerated rewards. For every PHP 20 spend on qualified spend categories, you earn 4 bonus points. What are these qualified spend categories, you ask? They just happen to be the four that matter: dining, shopping, overseas, and online purchases. That’s quadruple the points compared to other…
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Don’t Miss It! Get Free Apple AirPods from Moneymax
Do you still use cash every time you shop? Make payments more convenient and rewarding with a new Citi credit card! If you’re still looking for the right one, then we have a great offer for you. Get FREE Apple AirPods worth PHP 9,490 when you apply and get approved for any Citi credit card on the Moneymax website! Hurry and apply today! This Moneymax Apple AirPods promo runs until August 14, 2021 only. Per DTI Fair Trade Permit No. FTEB-124657. Series of 2021. For full Terms and Conditions, click here. Apple AirPods gift is exclusively from Moneymax and is only valid to new Citibank customers. Promo is valid to all Philippine residents. Get the right Citi credit card for you! To learn more about the Moneymax Apple AirPods promo, see the FAQs section below. Table of ContentsCompare and apply for a Citi Credit Card ✅Moneymax x Citibank Apple AirPods Promo FAQs1. I already have a Citibank credit card. Do I qualify for the Moneymax Apple AirPods promo?2. What is the eligibility criteria for Citibank credit cards?3. What documents should I submit to complete my Citi credit card application?4. Why should I apply through the Moneymax website to qualify for the promo?5. I just completed my application through the Moneymax website. What happens next?6. How will I know if my Citi credit card application was approved?7. I didn’t receive a call from Moneymax or Citibank. Why?8. What version of Apple AirPods are you giving away?9. When will I receive my Apple AirPods?10. I have an Android phone. Can I still…
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BPI eCredit Card: What Online Shoppers Must Know Before Getting One
- By Moneymax
- July 20, 2021
No one can resist the appeal and convenience of online shopping. With just a few taps on your smartphone, you can get everything you need and want, from food to clothes and even iPhone cases. And what makes online shopping much easier is your credit card. If you want to upgrade your online shopping experience, now’s the time to get a virtual credit card. In this case, the BPI eCredit card is one of your best choices if you own a regular credit card from BPI or are planning to apply for one. Here’s a simple guide that will give you all the important things you need to know about this BPI virtual card. Table of ContentsWhat is a BPI eCredit Card?How Does the BPI eCredit Card Work?Why Should You Get a BPI eCredit Card?1. Highly Secure Virtual Card2. Easily Manage Your Spending3. Get Exclusive Perks and Benefits4. No Annual FeeHow to Apply for a BPI eCredit CardHow to Use Your BPI eCredit CardBPI eCredit Card FAQs1. What is the BPI eCredit card’s limit?2. Does the BPI eCredit Card earn points?3. How can I activate my eCredit card?4. How to do an eCredit card balance inquiry?5. How can I pay my eCredit card bill?Final Thoughts What is a BPI eCredit Card? The BPI eCredit Card is a virtual, intangible credit card exclusively designed for online shopping and transactions such as bills payments.[1] This virtual card works as a companion card to your existing physical BPI credit card. How Does the BPI eCredit Card Work? A BPI eCredit card works like…
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UnionBank Credit Card Promos: 18 Exciting Deals and Discounts This 2021
- By Rouselle Isla
- July 14, 2021
Curious to know what UnionBank credit card promos you can avail of today? You’re in luck because we’ve rounded up the most exciting UnionBank credit card offers exclusively for UnionBank credit cardholders. Whether you’re looking for a really cool welcome gift or exciting deals on dining, travel, or shopping, UnionBank has one for you. Table of ContentsUnionBank Credit Card Promos for New Cardholders P5,000 Rebates or Up to 60,000 Points P5,000 Worth of S&R E-VouchersP5,000 Lazada Credits PromoP500 Lazada Voucher UnionBank Credit Card Promos for Dining 15% Off at Ketos of Manila10% Off at Eat’s Life ManilaUnionBank Credit Card Installment Promos 0% Installment on Home Appliances at Anson’s40% Off on All Massage Chairs at OgawaEnjoy 0% Installment at CW Home Depot0% Installment for up to 6 months at Ace HardwareUnionBank Credit Card Promos for Shopping P1,000 Off at BFF Manila10% Off at The Nest GenieP200 Welcome Gift Voucher from PureGoP200 Off + Free Delivery at Pushkart.phUnionBank Credit Card Promos for Travel Additional 8% Off on Hotel Bookings at AgodaP3,500 on Deluxe Room at Acacia Hotel DavaoDiscounted Room Rates at Misibis Bay ResortUp to 35% Discount at Rancho Bernardo Luxury VillasFinal Thoughts UnionBank Credit Card Promos for New Cardholders P5,000 Rebates or Up to 60,000 Points Eligible cards: UnionBank PlayEveryday Visa, Miles+ Platinum, and Visa GoldPromo period: Until August 31, 2021 Apply for a PlayEveryday Visa, Miles+ Platinum, or Visa Gold credit card and receive up to PHP 5,000 rebates or up to 60,000 points.[1] To receive the rebates and points, here’s how much single or accumulated retail spend you need and how much rebates or points you’ll…
