All Articles With Category : Credit Card

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

12 Credit Card Fees in the Philippines to Watch Out For

“Having a credit card is expensive and often leads to unmanageable debt.” Agree or disagree? This is a common concern—and a big misconception—of the average Filipino about owning a plastic card. But credit cards don’t deserve such a bad rep. Just as money isn’t the root of all evil, a credit card in itself won’t drown you in debt. Rather, it’s how you compare, choose, and use credit cards. Credit card bill shock is real, so you must find ways on how to avoid or manage it. Start by knowing the types of credit card charges in the Philippines.[1] In doing so, you can easily come up with some ways on how to save on your monthly bills. We’ve listed down the most common types of credit card fees and charges. For easier understanding, we’ve divided the credit card fees into two categories. Each of the fees also includes the rates of the country’s major credit card providers. Table of ContentsCredit Card Charges in the Philippines: Service Fees for Card Use/Transactions1. Annual Fee: PHP 300 to PHP 12,0002. Cash Advance Fee: PHP 200 per transaction3. Foreign Currency Transaction Fee: Varies per bank4. Balance Transfer Fee: PHP 100 to PHP 900 per transaction5. Gambling/Gaming/Casino Fee: 2.5% to 5% or PHP 500 to PHP 1,000 per transaction6. Charge Slip Retrieval Fee: PHP 150 to PHP 1,250 per slip7. Card Replacement Fee: PHP 300 to PHP 500 per cardCredit Card Charges in the Philippines: Penalty Fees1. Late Payment Fee: PHP 750 to PHP 1,500 or the unpaid minimum amount due2. Overlimit Fee: PHP 300 to PHP 1,5003. Multiple Payment…

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Visa vs Mastercard: Which Credit Card Network is Better?

During the credit card comparison phase of your credit card journey, you’ve probably encountered cards that have either the Visa or Mastercard logo in them. Ever wondered what’s the difference between Visa and Mastercard? Will it affect your choice if one card payment network is somehow better than the other? But wait, what exactly is a card payment network? On a nutshell, credit and debit cards work because card payment networks like Mastercard and Visa provide the systems that process all the card transactions between merchants and banks. They instead partner with financial institutions like banks to distribute the cards to potential clients. And because they’re not the ones issuing the cards, they are not in charge of setting the interest rates, annual fees, and other credit card features. But Visa and Mastercard do offer perks and benefits that are exclusive to each of them. Here are the things you need to know about two of the largest card payment networks in the world. Table of ContentsComparing the Similarities with Visa and MastercardWorldwide AcceptanceContactless PaymentsBasic and Premium CardsOnline Shopping ProtectionGlobal Customer Assistance ServicesComparing the Difference Between Visa and MastercardFeatures and Benefits per Card TypeIssuing BanksFinal Thoughts Comparing the Similarities with Visa and Mastercard Mastercard and Visa have a lot more similarities than differences. Here are the most notable features that both credit card networks offer: Worldwide Acceptance Millions of merchants in over 200 countries worldwide accept both credit card networks. Whether your card is a Visa or Mastercard, you can use it to pay in just about every establishment that…

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HSBC Credit Card Application: Quick Guide for First-Timers

HSBC is one of the largest banks in the world and one of the leading credit card providers in the Philippines. The bank issues five types of credit cards that cater to different lifestyles and needs. With an attractive reward program, a 0% installment plan, and other exclusive deals, who would not want an HSBC credit card? If you already have an HSBC card in mind, here are the four steps to keep in mind. Table of ContentsSteps to HSBC Credit Card Application Philippines1. Check if You’re Qualified2. Prepare All Requirements3. Decide Which Credit Card to Apply For4. File Your ApplicationWhat is the HSBC Credit Card Application Processing Time?Is HSBC Credit Card Visa or Mastercard?How to Check Application StatusHow to ActivateFinal Thoughts Steps to HSBC Credit Card Application Philippines 1. Check if You’re Qualified Make sure that you’re eligible to apply for the credit card—this is the first and most important step in the entire application process. You can apply HSBC credit card if you meet all these requirements: Between 18 and 70 years old Have a gross annual income of at least PHP 200,000 (for Red Mastercard and Gold Visa Cash Back) or PHP 500,000 (for Platinum Visa) An HSBC Advance[1] bank account (for HSBC Advance Visa) or an HSBC Premier[2] bank account (for HSBC Premier Mastercard) Primary cardholder of a credit card that’s issued by a bank in the Philippines and in good standing for at least 12 months (for Red Mastercard, Gold Visa Cash Back, and Platinum Visa) 2. Prepare All Requirements HSBC will process your credit…

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How Risky is a Credit Card Cash Advance in the Philippines?

Wondering if you can get cash from your credit card? Yes, it’s possible to get a credit card cash advance in the Philippines. This allows you to withdraw money from an ATM or a bank branch using your credit card. But just because you can doesn’t mean you should. Read this guide first and consider the risks of getting a credit card cash advance before you insert your credit card into an ATM. Table of ContentsWhat is a Credit Card Cash Advance?What are the Risks of Getting a Credit Card Cash Advance?Prepare to Pay More FeesDeal with Higher Interest RatesWorsen Your Credit ScoreGet Tempted to OverspendBenefits of Getting a Credit Card Cash AdvanceCredit Card Cash Advance Fees and Rates in the PhilippinesFinal Thoughts What is a Credit Card Cash Advance? A cash advance is a convenient yet expensive way to borrow money. It involves using your credit card to withdraw money from an ATM or over-the-counter of your credit card’s bank. This is different from using a debit card at an ATM, which involves getting money from your bank account. When you take out a credit card cash advance, you’re borrowing against your credit card limit. You’ll have to pay the cash advance amount back with interest and other fees. Banks in the Philippines set a credit card cash advance limit of 30% to 100% of a cardholder’s total credit limit. If you withdraw too much, you’ll quickly max out your credit card. When you exceed your credit card limit, the bank will charge you an over-the-limit fee ranging from…

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It’s Back! Get Free Apple AirPods from Moneymax

Swiping with a credit card is normal in the new normal. If you’re still looking for the right one, then we have a great offer for you. Apply and get approved for any Citi credit card on the Moneymax website and get Apple AirPods worth PHP 9,490! Yes, it’s that simple. Hurry and apply today! Promo runs until May 5, 2021 only. Per DTI Fair Trade Permit No. FTEB-117634. Series of 2021. For full Terms and Conditions, click here. 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! Compare features and fees below. To learn more about the promo, see the FAQs section.  Citi Credit Cards Features & Benefits Citi Simplicity+ No annual fees forever! No late payment fees No overlimit fees Get 10% interest back when you pay at least the minimum due Monthly income requirement: PHP 20,833 Citi Rewards Card 3x points on online, shopping, and dining transactions Non-expiring points! Use anytime, anywhere. Monthly income requirement: PHP 20,833 Citi Cash Back Card 6% cash back on supermarket purchases 2% cash back on monthly bills Save as much as P12,000 per year Monthly income requirement: PHP 20,833 Citi PremierMiles Earn 1 PremierMile for every PHP 30 spend Free travel insurance coverage up to PHP 1 million VIP access at select lounges worldwide Monthly income requirement: PHP 30,000 Citi Prestige Card Earn 5x rewards points on shopping, dining, and overseas spend Unlimited access to VIP airport lounges Dedicated customer service hotline…

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Security Bank Credit Card Application Guide: How to Get One in 5 Easy Steps

Shopping for a new credit card? Whether you’re a first-time credit cardholder or just looking for one with higher credit limits or more exciting rewards, there’s a Security Bank credit card that’s just right for you. Apply online in just 10 minutes. What’s more, you enjoy a waived annual fee in the first year. All Security Bank credits also have the SimplyPay feature that lets you pay for big purchases in 12 monthly installments. In this Security Bank credit card application guide, learn all about the bank’s credit card offerings and how you can get one today. Table of ContentsSecurity Bank Credit Card Application Steps1. Check Your Eligibility for a Credit Card 2. Complete the Security Bank Credit Card Requirements 3. Choose the Security Bank Credit Card You Want 4. Apply for a Security Bank Credit Card 5. Wait for Your Card to be DeliveredHow to Pay for Your Security Bank Credit Card BillSecurity Bank Payment PartnersFAQs on Security Bank Credit Cards1. How can I check the status of my Security Bank credit card application?2. What is Security Bank’s credit card application processing time?3. How does the Security Bank SimplyPay credit card feature work? 4. How do I contact Security Bank for my credit card-related concerns?Final Thoughts  Security Bank Credit Card Application Steps Ready to own a Security Bank credit card? Follow these easy steps for a hassle-free application process. 1. Check Your Eligibility for a Credit Card  To qualify for a credit card from Security Bank, you need to be:   A Filipino citizen and resident of the Philippines  Employed for at least a…

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Top Tips for Freelancers in the Philippines Who Want a Credit Card

“Can a freelancer get a credit card?”  For anyone who has started a work-from-home career, concerns like getting a credit card for freelancers in the Philippines always come to mind. Credit cards are useful for self-employed Filipinos just as they are for employees. Having one allows freelancers to verify their PayPal accounts for receiving payments online. It can also be used to buy software programs, web hosting services, and other important work tools. Of course, it comes in handy when shopping online, paying bills, or booking flights. While a Visa/Mastercard debit card or prepaid card can get those things done, it’s better to use a credit card for certain transactions. For example, you can pay for big purchases like laptops or appliances in monthly installments with no interest. You can earn rewards points with your credit card transactions. More importantly, you can also use your credit card during financial emergencies when you have no access to cash. Read more: Visa vs Mastercard: Which Credit Card Brand is Better? 8 Steps to Prepare Financially for the Freelancer Life Unfortunately, it’s challenging to get a credit card for freelancers in the Philippines. To qualify for one, you have to own a registered business with a profitable operation for at least one to two years. To prove that, you’re required to submit an income tax return (ITR), business registration papers, and financial statements.  Beginning freelancers typically don’t have these documents on hand. But don’t lose hope—you can still get a credit card even if you don’t have stable employment. Here are different ways…

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Get Free ₱2,000 Foodpanda Vouchers from Moneymax!

Paying for groceries, bills, and other essentials should be hassle-free. It should also be safe and secure, especially now that we’re facing a pandemic. And what better way to do this but by using a credit card? If you’re still looking for the right one, apply for a Citi credit card through Moneymax and get Foodpanda vouchers worth PHP 2,000! You can use your free Foodpanda vouchers to pay for any merchant in the Foodpanda mobile and desktop applications. This promo is exclusively from Moneymax and is only valid to new Citibank customers. Hurry and apply today! Promo runs until May 31, 2021 only. Per DTI Fair Trade Permit No. FTEB-117308 Series of 2021. For full Terms and Conditions, click here. Get the right Citibank credit card for you. Compare features and fees below: Citi Credit Cards Features & Benefits Citi Simplicity+ No annual fees forever! No late payment fees No overlimit fees Get 10% interest back when you pay at least the minimum due Monthly income requirement: PHP 20,833 Citi Rewards Card 3x points on shopping and dining transactions Non-expiring points! Use anytime, anywhere. Monthly income requirement: PHP 20,833 Citi Cash Back Card 6% cash back on supermarket purchases 2% cash back on monthly bills Save as much as P12,000 per year Monthly income requirement: PHP 20,833 Citi PremierMiles Earn 1 PremierMile for every PHP 30 spend Free travel insurance coverage up to PHP 1 million VIP access at select lounges worldwide Monthly income requirement: PHP 30,000 Citi Prestige Card Earn 5x rewards points on shopping, dining, and overseas…

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Best Credit Cards for Gadget Shopping in the Philippines

Planning to buy gadgets anytime soon? Paying in cash for large purchases is great, but it would take months (or even years) to save up for a mid-range or high-end gadget that could cost more than your monthly salary. This is why using a credit card to pay for big-ticket items such as mobile phones, laptops, cameras, and speakers makes a sensible choice. It lets you rack up more rewards points and make your payments more manageable. Here’s a simple guide to help you find the best credit cards for electronics. Table of Contents4 Features to Look for in a Credit Card for Electronics1. 0% Installment Plan2. Offers Generous Rewards3. Free Purchase Protection Insurance4. Credit Card Promos for Gadget Purchases8 Best Credit Cards for Electronics Shopping1. Metrobank ON Internet Mastercard2. Citi Rewards Card3. HSBC Red Mastercard4. UnionBank Gold Visa Card5. RCBC Bankard Flex Visa6. PNB Platinum Mastercard7. Metrobank World MastercardFinal ThoughtsDiscover other top credit cards in the Philippines: 4 Features to Look for in a Credit Card for Electronics 1. 0% Installment Plan Having a credit card that offers flexible installment terms at 0% interest make payments easier on the budget. Instead of being charged the full price for the next billing cycle, you may have it divided into more affordable installments over a period ranging from three to 36 months. 2. Offers Generous Rewards It’s easy to maximize credit card rewards if you use your card mostly for large purchases such as smartphones, tablets, cameras, and laptops. So get a card that lets you earn rewards points for every…

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Moneymax Reviews: Level Up Your Game with UnionBank PlayEveryday

Who says owning a credit card has to be boring? That’s the stereotype that this UnionBank PlayEveryday review is looking to shatter today. Because after all, you can make a game out of anything and that includes using a credit card for all your daily transactions. So how exactly can the UnionBank PlayEveryday Credit Card gamify your finances? Read our latest edition of Moneymax Reviews because this might as well become your next go-to credit card. Table of ContentsUnionBank PlayEveryday Credit Card Key FeaturesWhy Should I Play with the UnionBank PlayEveryday?Exciting Play Points SystemPlayEveryday Levels and Bonus PointsPlayEveryday Weekly LeaderboardsWhat Perks Can I Get with My UnionBank PlayEveryday?Robust Rewards ProgramUnionBank Online AppUnionBank PlayEveryday AlternativesCiti Rewards Card HSBC Red Mastercard UnionBank Gold Visa Card Metrobank Titanium MastercardFinal Thoughts UnionBank PlayEveryday Credit Card Key Features To start this UnionBank PlayEveryday review, let’s check out the key features of the credit card of the hour. Annual fee: PHP 1,500 Interest rate: 2% Minimum monthly income requirement: PHP 30,000 Cash advance fee: PHP 200 per cash advance and 1.96% finance charge per month until date of repayment Late payment fee: PHP 750 Overlimit fee: PHP 500 Foreign currency fee: 3% Card replacement fee: PHP 400 Read more: Your Simple 5-Step Guide to UnionBank Credit Card Application Why Should I Play with the UnionBank PlayEveryday? Aside from its unique name, what sets apart the UnionBank PlayEveryday credit card is its focus on gamifying your credit card transactions. To find out more, let’s explore its rewards system and see whether this credit card deserves its name. Exciting Play Points System The UnionBank PlayEveryday…

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Best Balance Transfer Credit Cards in the Philippines to Help You Save Money

Are your credit card payments becoming too much of a burden? If you’re paying high interest on your balance every month, it’s time to shop for balance transfer credit cards in the Philippines. Doing so prevents worst-case scenarios like accumulating huge credit card debt. Manage your credit card payments better through balance transfer. Don’t know what a balance transfer credit card is? Get started with this guide. Table of ContentsWhat are Balance Transfer Credit Cards?How Do Balance Transfer Credit Cards Work?Is Getting a Balance Transfer Credit Card a Good Idea?How to Choose the Best Balance Transfer Credit Card1. Compare Balance Transfer Features and Fees2. Compute and Compare Monthly AmortizationsBest Balance Transfer Credit Cards in the PhilippinesRCBC Bankard Flex VisaCiti Simplicity+Metrobank M Lite MastercardBank of Commerce Platinum MastercardChina Bank Freedom MastercardBPI Edge MastercardSecurity Bank Classic MastercardHow to Transfer Credit Card Balance1. Get a New Credit Card2. Apply for Balance Transfer3. Wait For Balance Transfer ApprovalFinal Thoughts What are Balance Transfer Credit Cards? A balance transfer credit card is a low-interest card where you can move the amount you owe on your other high-interest cards. Because of the lower interest rate, most of your payments will go toward your principal balance instead of the interest charges. This helps you save money on interest payments and pay off your debt faster. This type of credit card also simplifies your payments by consolidating your balances on other cards into one monthly payment and due date. How Do Balance Transfer Credit Cards Work? When you’re approved for a credit card balance transfer, your new card…

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Metrobank Credit Card Application: A Beginner’s Guide

Looking for your next credit card? Whether you’re a rookie or a veteran cardholder, Metrobank’s diverse roster of credit cards will surely excite you in more ways than one. Want to try your luck? All you have to do is follow this Metrobank credit card application guide and you’re all set. Table of ContentsMetrobank Credit Card Application Steps1. Check If You’re Eligible for a Metrobank Credit Card2. Prepare the Metrobank Credit Card Requirements3. Pick the Right Credit Card for You4. Proceed to the Metrobank Credit Card Online ApplicationHow to Check Your Metrobank Credit Card Application Status OnlineFinal Thoughts Metrobank Credit Card Application Steps 1. Check If You’re Eligible for a Metrobank Credit Card Just like with other credit card providers out there, you should check if you’re eligible for a Metrobank credit card. Here are the following criteria you should be able to meet: At least 18 to 70 years old Filipino or foreigner with local residence Must be employed for at least 6 months Must be at least 2 years in business for self-employed 2. Prepare the Metrobank Credit Card Requirements If you’re eligible, you can now start your Metrobank credit card application journey. The next thing you should do is compile all the necessary requirements and make sure all are accounted for before sending your application. You need to have one or two of the following valid IDs: Driver’s license UMID or SSS ID Passport PRC ID TIN ID If you are employed, prepare any of the following: Latest Income Tax Return (ITR) Copy of BIR Form 2316…

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6 Strategies to Manage and Quickly Pay Off Your Credit Card Debt

A credit card can be a two-edged sword. Use it properly, and you’ll surely enjoy its convenience and the exclusive incentives that come with wise spending. Overuse it, and the debts that you ignore will come back to bite you. Paying off credit card debt should be second nature to you—very much like how you settle your monthly electric bills or home mortgage. But even the most responsible credit card user will struggle with their balances, especially during this pandemic when people can’t go to work or they’re compelled to accept reduced salaries. Regardless, you’ll find a way out if you know how to pay off credit card debts. We’ve come up with a list of ways that may help you pay your credit card debt much more easily. Remember, though, that what has worked for others may not work for you, so you must analyze your situation thoroughly. Table of ContentsWhy You Should Pay Off Your Credit Card Debt QuicklyDeal with Less InterestImprove Your Credit ScoreIncrease Your SavingsUse Your Money Without Feeling GuiltyReduce Your Bills to Pay How to Pay Off Credit Card Debts1. Debt Snowball Method2. Debt Avalanche Method3. Debt Consolidation Loan4. Balance Conversion5. Balance Transfer6. Credit Card Amnesty ProgramHow to Avoid Credit Card Debt1. Don’t Miss Your Credit Card Payments2. Set a Personal Maximum Balance3. Use Credit Card Cash Advance Only When Necessary4. Remember That Your Card is Not an ExtensionFinal Thoughts Why You Should Pay Off Your Credit Card Debt Quickly Financial freedom is the ultimate benefit of successfully dealing with your credit card debt. But if…

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5 Easy Ways to Check Your Credit Card Balance

A credit card makes spending a whole lot easier–from your everyday purchases to lifestyle pursuits. It’s even much safer, as you don’t have to bring wads of cash with you whenever you go out. But keep in mind that your credit also runs out unless you pay your credit card debts immediately. As a responsible credit card user, you should know how the balance of your card works and how to check credit card balance, billing statements, and transaction history. Table of ContentsWhat is a Credit Card Balance? How Can I Check My Credit Card Balance? 1. Online BankingCREDIT CARDSFEATURES & BENEFITS2. Mobile Banking App3. eStatement via Email4. Text Message5. Phone BankingFinal Thoughts What is a Credit Card Balance? A credit card balance is the total amount of money that you owe to the bank that issued your card. The balance gets higher each time you spend using your credit card. So it follows that when you pay your credit card provider, the balance also decreases. How Can I Check My Credit Card Balance? Checking your credit card balance not only lets you know how much you owe to the bank. It also allows you to detect any unauthorized transaction and discrepancy, so you can report it and file a dispute with the bank. Usually, the bank sends printed statements of account every month. But if you’re asking how to check credit card balance much more easily, we’ve listed five paperless ways to consider. Here are the step-by-step instructions to access your credit card balance if you have a credit…

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9 Useful Features Your Credit Card Should Have

You’ve reached the point in your life when you’ve finally recognized the importance of having a credit card. Congratulations! Now it’s time to determine which credit card to choose. If you’re still undecided, a good way to start is to prepare a wishlist for the perfect credit card. To help you out, here is a list of useful credit card features you should expect from your card. Table of Contents9 Useful Credit Card Features to HaveEMV ChipOne-Time PasswordContactless PaymentVirtual CardInstallment PlansDual Currency BillingAutocharge FacilitySMS InquiryResponsive AppFinal Thoughts 9 Useful Credit Card Features to Have EMV Chip Fortunately, your credit card is guaranteed to have the Europay, Mastercard, and Visa (EMV) chip technology embedded in it after all banks deactivated all non-EMV cards in 2019[1]. So what’s so special about the EMV chip? Compared to magnetic stripe technology, EMV chips have become the global standard for securing payment transactions.  If you check the anatomy of a credit card, you will see the chip embedded in its face. This is where your personal information is stored. Once the EMV card is used in an EMV-enabled terminal, the chip generates a One-Time Password (OTP) to verify the transaction. This prevents various card-related fraudulent activities like ATM skimming and counterfeiting.   One-Time Password Speaking of OTPs, this is one of the most useful credit card features out there. Aside from verifying payments, OTPs can also be used to verify fund transfers, online banking app logins, and personal information updates, among others. Your OTP will be sent to your mobile number so be sure your information…

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Grow Your Venture with the Best Credit Cards for Business

For entrepreneurs, credit cards for business is not just an option but rather a necessity. Whether you’re a freelancer, online seller, or solopreneur with several employees, there’s a card that best meets your needs for managing your business finances. Here’s everything to know about business credit cards in the Philippines and how to find the perfect card for your venture. Table of ContentsWhy Get a Credit Card for Business?How to Choose the Best Credit Card for BusinessLook for Business-Friendly FeaturesGet a Credit Card with High Credit LimitBest Credit Cards for Business in the PhilippinesMetrobank Rewards Plus VisaCiti Cash Back VisaHSBC Red MastercardAUB Gold MastercardSecurity Bank Gold Rewards MastercardUnionBank Lazada MastercardUnionBank Corporate VisaBPI Corporate MastercardHow to Apply for Credit Card for BusinessBasic Requirements to Apply for a Credit Card for BusinessCredit Card Application Process for BusinessesFinal Thoughts Why Get a Credit Card for Business? Having a business credit card allows you to conveniently pay for various costs—like equipment purchase, accounts payable, and more—without using cash or issuing a check. When you need to pay with cash, you can use a card as a source of credit instead of getting a loan. Access to cash is faster with a credit card than a business loan. Also, you get to borrow only what you need when you use a credit card specifically for business. The best advantage of credit cards for business is how it makes tax preparation and filing more convenient. With a dedicated credit card, you can keep your personal and business expenses separate. It’s easier to compute your income tax…

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Quick and Easy RCBC Credit Card Application Guide

Whether you’re looking for a credit card with a higher credit limit, non-expiring rewards points, or exclusive shopping, dining, and travel privileges, RCBC offers various options to suit your lifestyle and budget. Find out about the RCBC credit card application process and learn which card is right for you in this guide.  Table of ContentsRCBC Credit Card Online Application Steps1. Check Your RCBC Credit Card Eligibility 2. Prepare the RCBC Credit Card Requirements 3. Pick the Right RCBC Credit Card for You 4. Proceed to Your RCBC Credit Card Online Application 5. Verify and Upload Your Requirements How to Apply for an RCBC Credit Card at the Nearest Branch How to Check Your RCBC Credit Card Application Status Final Thoughts RCBC Credit Card Online Application Steps 1. Check Your RCBC Credit Card Eligibility  RCBC principal cardholders should be 21 to 65 years old while supplementary cardholders should be 13 to 65 years old. Having a mobile number and a work landline is also required for an RCBC credit card application.     Should You Get a Supplementary Credit Card or Your Own Credit Card? Can Your Kids Handle a Supplementary Credit Card? 2. Prepare the RCBC Credit Card Requirements  If you’re employed, here are the documents you need to prepare:  Fully accomplished application form  1 valid photo-bearing ID with signature  Proof of income Latest payslip that shows your monthly salary  Original Certificate of Employment (not more than 6 months old, stating annual income and signed by an authorized Human Resources signatory) W2 with BIR or Bank Stamp or Income Tax Return (ITR) For self-employed credit card applicants, here are…

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11 Best Credit Cards for Different Types of Women in the Philippines

Women are nurturing by nature. We usually prioritize the needs of others—children, parents, partners, etc.—over our own. But have you ever considered your own needs? This is an especially important factor when shopping for credit cards for women. Do you love shopping, traveling, or pampering yourself to de-stress? Don’t feel guilty about it! There’s no wrong in that, as long as you don’t overspend. Using a credit card that lets you save money while enjoying good things in life is also a must. Take a look at these top credit cards for women—one of these cards may just fit you right. Table of ContentsBest Credit Cards for Women in 2021For the Practical Tita: Citi Cash Back CardFor the Mom on a Budget: AUB Classic MastercardFor the Online Shopaholic: UnionBank Lazada For the Frequent Shopper: HSBC Red MastercardFor the Health-Conscious Woman: Mercury Drug Citi CardFor the Female Entrepreneur: Citi Rewards CardFor the Foodie: HSBC Gold Visa Cash BackFor the Free-Spirited Millennial: RCBC Bankard Flex VisaFor the Pampering Enthusiast: Metrobank Femme VisaFor the Solo Female Traveler: UnionBank Miles+ Platinum VisaFor the Lady Boss: Citi Prestige CardFinal Thoughts Best Credit Cards for Women in 2021 For the Practical Tita: Citi Cash Back Card Cashback credit cards for women help cardholders get the most out of their purchases. Citibank’s Cash Back credit card offers one of the highest rebate rates among cashback credit cards in the Philippines. Cardholders accumulate non-expiring rebates and can save as much as PHP 12,000 every year. 📌 Citi Cash Back Features Up to 6% cash back on supermarket purchases Up to…

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Get Your Grub On with these Credit Card Dining Promos for 2021

Your credit card experience just won’t be complete without availing a credit card dining promo every once in a while. That’s why you should always keep your ears on the ground for the latest offerings from your credit card provider. To make the process easier for you, here are the best dining promos you can enjoy in 2021. Table of ContentsCredit Card Dining Promo Offers from CitibankUp to 50% off at Alba Restaurante Español10% off on Fridays to Sundays at Foodpanda2 Yellow Cab Pizzas for Only P449Credit Card Dining Promo Offers from HSBC15% Off at Sunae Asian CantinaFree Bacon Cheeseburger at BurgooFree White Fish with Mango Salsa at GumboCredit Card Dining Promo Offers from Metrobank20% Off at Tori Ichi Yakitori & BarCredit Card Dining Promo Offers from RCBC25% Off at Chi Em Gai25% off at The Beer Factory25% Off at Cold Layers CaféCredit Card Dining Promo Offers from Security BankFree Crispy Pork Belly at Bistro CharlemagnePHP 300 Off at CakeRushCredit Card Dining Promo Offers from UnionBank25% Off at Chubs Chasers15% Off at Ketos of Manila10% Off at Brothers BurgersFinal Thoughts Credit Card Dining Promo Offers from Citibank Up to 50% off at Alba Restaurante Español Eligible cards: All Citibank credit cardsPromo period: February 1, 2021 to July 30, 2021 Looking to save money on your next dine out? Grab your Citibank credit card and head down to Alba Restaurante Español[1] today. Get 50% off on dine-in transactions at the Prism Plaza branch with a minimum purchase of PHP 2,000. You can also get 15% off at Estancia, Makati, Morato, and Westgate branches…

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Got Multiple Credit Cards? Here’s How to Manage Them Well

Sometimes, the most powerful and useful thing you can have is that tiny plastic card tucked in your wallet—your credit card. Easy online transactions, buying plane tickets, earning discounts, rewards, and cashback, and the ability to pay for big-ticket purchases upfront are some of the benefits of having a credit card. It promises and delivers unparalleled payment convenience that a lot of us decide to own two or more cards. Now you might be wondering if adding another card to your wallet would be worth it. Or you already got a lot of credit cards and thinking of ways to manage them more easily. Here’s what you need to know about how many cards you need and how to manage multiple credit cards. Table of ContentsCan You Have Multiple Credit Cards?How to Manage Multiple Credit Cards1. Check Each Card’s Features and Benefits2. Make Sure Each Card Has a Purpose3. Don’t Use Them All at Once4. Bring Only the Card You Need5. Streamline Your Credit Card Payments6. Check Your Credit Card Records7. Limit the Number of Your Cards8. Maximize the Credit Card RewardsFinal Thoughts Can You Have Multiple Credit Cards? Yes, you can own not just one but two or more credit cards at the same time. Banks allow their customers with good credit standing to avail of another card. The next thing you might want to know: “How many credit cards should I have?” While there’s no existing research on the average number of cards per person in the Philippines, there are Filipinos who own about two to three credit…

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