Moneymax Reviews: Is HSBC Platinum Visa the Most Rewarding Travel Credit Card?

Welcome to the latest edition of Moneymax Reviews! In our previous HSBC Red Mastercard review, we noted how rewarding this credit card is. While it’s an awesome card overall, you might want your credit card perks leveled up if, say, you’ll travel a lot when the quarantine restrictions have become more relaxed. Which brings us to an HSBC Platinum Visa review. Among HSBC’s credit card offerings, the Platinum Visa Rebate Credit Card is touted as the “ultimate shopping and travel rebate card.” Is this card really worth considering? This HSBC Platinum Visa review will find that out and more. Table of ContentsHSBC Platinum Visa Review: Credit Card Key FeaturesWhy Should I Get an HSBC Platinum Visa Credit Card?Earn Travel and Shopping Rebates FastPay for Big-Ticket Purchases at 0% Interest on Up to 36 Monthly InstallmentsWhat Perks Can I Enjoy with My HSBC Platinum Visa?Travel PrivilegesCaltex Fuel Rebates and RewardsExciting Welcome Gift for New CardholdersHSBC Platinum Visa AlternativesAir Miles Cards with Free Airport Lounge AccessNo Annual Fee Travel CardsFinal Thoughts HSBC Platinum Visa Review: Credit Card Key Features First, let’s check the basic features to see if you qualify for the HSBC Platinum Visa credit card. Annual fee: PHP 5,000 (free for the first year) Interest rate: 2% Minimum monthly income requirement: PHP 41,666.67 Cash advance fee: PHP 200 Late payment fee: PHP 1,000 or the unpaid minimum amount due, whichever is lower Overlimit fee: PHP 800 Foreign transaction fee: 2.5% of the converted sum plus 1% assessment fee by Visa Card replacement fee: PHP 400 Why Should I Get an HSBC Platinum Visa Credit Card? Earn Travel…

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Ask Moneymax: What is Credit Card Delinquency and How to Avoid It?

“There’s no such thing as a free lunch,” the 1975 book title of the free-market economist Milton Friedman couldn’t have said it better. In other words, everything has a cost. Yes, especially when it comes to credit cards. Any amount of credit that you consume comes with a fee.    Due to limited physical interactions, online shopping (aka spending) has been brought closer to households. Ironically. With the rapbalanid advancements in technology, e-commerce, and digital payment systems, buying has become a lot easier with just a touch of a finger.  All these—and getting stuck at home due to community quarantine restrictions, tempting holiday ads, and unending promos and rewards—add up to entice you to use your credit card more. Next thing you know, you have maxed out your credit card, which means you have already reached your credit limit. Are there really ways to avoid credit card delinquency? These are what we are going to discover in this article. Table of ContentsCredit Card Delinquency FAQs: How to Avoid Getting Into Debt1. Is there a credit card law in the Philippines?2. What is credit card delinquency? When am I considered delinquent?3. What does “minimum amount due” or “minimum payment required” mean?4. Can I pay only my minimum amount due every month?5. Should I review the Terms and Conditions even if they look legalese?6. What are the critical items that I should pay particular attention to in the T&Cs?7. I received a notice from my bank of 5 years that it’s increasing my credit limit. Can I refuse this?8. Where should I report…

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Credit Card Fraud in the Philippines: Safety Tips to Always Keep in Mind

As more Filipinos turn to cashless and online transactions during this pandemic, credit card fraud cases in the Philippines continue to increase as well. According to the Credit Card Association of the Philippines, there has been a 29% surge in credit card fraud cases.[1] This figure is alarming and clearly a testament that cybersecurity in the country needs further strengthening. Nevertheless, it’s also your duty to protect yourself from fraudsters. Being vigilant over your card’s activities is the number one thing that you should always do. It sounds simple, but some people are actually too lax when it comes to using their credit cards. There are a number of precautions that you can take to keep fraudsters at bay, perhaps the most important of which is arming yourself with knowledge. Read our comprehensive guide so you won’t be a victim of credit card fraud in the Philippines.   Table of ContentsWhat is Credit Card Fraud?Common Credit Card Frauds in the Philippines1. Lost or Stolen Card2. Account Takeover3. Collusive Merchant4. Card-Not-Present (CNP) Fraud 5. Card Replacement Scam 6. Skimming or Credit Card Cloning7. Phishing8. Vishing9. SMShing10. Spoofing11. SIM Swapping12. Dating FraudSecurity Measures to Prevent Credit Card Fraud1. Make Sure to Sign Your Credit Card2. Consider Your Credit Card as Cash3. Don’t Put Your Credit Cards in One Location4. Shred Anything With Your Credit Card Information On It5. Don’t Sign Blank Receipts6. Check Your Credit Card Statements ASAP7. Be Wary of Phone Transactions8. Don’t Lend Your Credit Cards9. Always Keep Your Credit Card in View When Paying10. Never Post Credit Card Details Online11….

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Credit Card Installment: How It Works and the Pros and Cons

Credit cards offer numerous perks, including exclusive discounts and privileges, like paying in installments. These credit card installment plans usually come with low or no interest, longer repayment periods, and equal monthly payments. Most banks in the Philippines even offer a payment term of your choice to sweeten the deal. But is it really a good idea to avail a credit card installment plan? Should you really be extending your credit card payment and staying in debt longer? When is credit card installment beneficial?  In this article, we’ll answer all your burning questions about credit card installment, as well as discuss its pros and cons before you avail it for your next purchase. Table of ContentsWhat is a Credit Card Installment Plan?How Does Credit Card Installment Plan Work?What Can You Buy On a Credit Card Installment Plan?What are the Pros of Credit Card Installment Plans?Buy Expensive ItemsUse Your Cash for Other PurposesEarn Rewards PointsEnjoy Deferred PaymentsSecure Shopping Experience No Need for a Down PaymentWhat are the Cons of Credit Card Installment Plans?No Rewards for Installment PurchasesAnother Monthly Payment to Worry AboutYour Financial Future is UncertainPurchase Can Become More ExpensiveWhat are the Best Credit Card Installment Plans?HSBC Credit CardBPI Credit CardMetrobank Credit CardRCBC Credit CardHow Do You Apply for a Credit Card Installment Plan?Final Thoughts What is a Credit Card Installment Plan? A credit card installment plan is a scheme to pay for purchases in equal amounts monthly. Instead of making a one-time cash payment or a straight payment with your credit card, you pay an equal month for a certain number…

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The Great Credit Card Welcome Gift List in 2021―Don’t Miss Out!

To entice Filipinos to apply for a credit card, banks in the Philippines offer exciting credit card welcome gift options on a regular basis. From electronic gift certificates and cash rebates to waived annual fees, you’ll want to apply for all the credit cards just to get the welcome gift! But the caveat is you can qualify for these welcome gifts only if you’re a new-to-card or a new-to-bank applicant. This means that you don’t have an existing credit card with that particular bank yet.  Moreover, some banks require new cardholders to meet a required spending amount within a certain period to receive the welcome gift.  If you’re shopping for a new credit card, check out this credit card welcome gift list and see if you’re eligible for the following credit cards!  Table of ContentsApply via Moneymax and Get These Credit Card Welcome GiftsCitibank Credit Card Free Gift: AirPods or SSI Voucher Worth P8kHSBC Credit Card Sign-up Gift: P2,500 Shopee or JBL Go SpeakerCitibank Credit Card Free Gift Promo: Pick Your Welcome OfferHSBC Credit Card Sign-Up GiftsP2,500 Cash Rebate or Waived Annual FeesP5,000 Cash Rebate UnionBank Credit Card Welcome GiftsUp to P8,000 e-GiftCebu Pacific Credit Card Bonus PointsP5,000 Lazada Voucher CodeRCBC Credit Card Welcome Gift OffersFree Apple Watch, JBL Speaker, or up to P5,000 e-GiftWaived Annual Fees for LifeMetrobank Credit Card Welcome Gift OffersUp to P5,500 e-GiftFree for Life Annual FeesUp to P8,000 e-GCsSecurity Bank Credit Card Welcome Gift OffersUp to P500 ShopeePay e-GCFinal Thoughts Apply via Moneymax and Get These Credit Card Welcome Gifts Citibank Credit Card Free Gift: AirPods…

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Looking for the Best Credit Card for Groceries in the Philippines? Here are Your Top Options

Spending more money on groceries lately? These days, using a credit card just for grocery purchases is a wise and practical decision, whether you shop at a supermarket or on an online grocery store. A dedicated card for groceries allows you to track your grocery spending and manage your budget better. You may also get cash back, rewards, discounts, and other special offers from your issuing bank. There are plenty of options for the best credit card for groceries in the Philippines, but the right one for you will depend on your preference. You might want to earn cash back or rewards with your card, or you might prefer something that lets you save on credit card fees and charges. Based on such criteria, here are our recommendations for the best credit card for groceries in the Philippines. Table of ContentsBest Credit Card for Grocery Shopping with Cash BackCiti Cash Back VisaSecurity Bank Complete Cashback MastercardEastWest EveryDay Titanium MastercardRCBC Bankard Landmark Anson’s MastercardRobinsons Cashback Credit CardUnionBank Gold MastercardBest Credit Card for Groceries in the Philippines with RewardsHSBC Red MastercardCiti Rewards MastercardRCBC Bankard Flex Gold VisaMercury Drug CitiBest No Annual Fee Credit Cards for GroceriesAUB Easy MastercardEastWest Platinum MastercardCiti Simplicity+PNB Ze-Lo MastercardWhat is the Best Credit Card for Groceries in the Philippines?How to Use a Credit Card in Grocery StoresFinal ThoughtsDiscover other top credit cards in the Philippines: Best Credit Card for Grocery Shopping with Cash Back Citi Cash Back Visa Grocery cash back rate: Up to 6% Minimum monthly income requirement: PHP 15,000 (for existing cardholders) / PHP 20,833.33 (for first-time…

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Exciting Citibank Credit Card Promo Offers to Check Out This Year

Good news for Citi credit cardholders out there: Citibank didn’t spare any expense when it comes to its exclusive deals this year. You’ll definitely want to avail of these Citibank credit card promo offers before they expire. So what are you waiting for? Check out our curated list of the best Citibank credit card promos in 2021 and take your pick! Table of ContentsCitibank Credit Card Promo Offers for New CardholdersMoneymax Citi AirPods/SSI Voucher PromoMoneymax Citibank GCash PromoCitibank Credit Card Welcome GiftsCitibank Credit Card Promo Offers for DiningUp to 30% off at Pookaberry Cafe20% Off at Mistah Cafe50% Off at Cafe Belmont50% Off at Savoy CafeCitibank Credit Card Promo Offers for ShoppingP500 Off at Poundit20% Off at TomsGet 10% Off Every Wednesday on ShopeeCitibank Credit Card Promo Offers for Travel20% Off on Best Available Rates at Bacau Bay Resort Coron15% Off on Best Available Rates at Hotel Monticello TagaytayFinal Thoughts Citibank Credit Card Promo Offers for New Cardholders Moneymax Citi AirPods/SSI Voucher Promo Eligible cards: All Citibank credit cards Promo period: AirPods gift: December 1 to 31, 2021 SSI e-GC: December 1 to 9, 2021 Being a new Citi credit cardholder has never been sweeter. Aside from enjoying the Citi perks and privileges, you also get an e-GC worth PHP 8,000 or a pair of Apple AirPods (worth PHP 7,690) as a welcome gift! Shop for all your holiday must-haves with your SSI vouchers, or enjoy the wireless experience of your brand-new AirPods. Apply through Moneymax and get approved for a Citi credit card today! Click the following links for…

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Promo Extended: 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 valid to new Citibank customers only. Hurry and apply today! Promo runs until December 31, 2021 only. Per DTI Fair Trade Permit No. FTEB-120346 Series of 2021. For full Terms and Conditions, click here. Table of ContentsMoneymax GCash Promo FAQs1. Which Citi credit card should I apply for to qualify for PHP 2,000 GCash?2. I already have a Citibank credit card. Do I qualify for the promo?3. What is the eligibility criteria for Citibank credit cards?4. What documents should I submit to complete my Citi credit card application?5. How will I know if my application is approved?6. How will I know if the gift has been sent to me?7. Where can I use my GCash?Still Need More Card Options? Check These Credit Cards! Moneymax GCash Promo FAQs 1. Which Citi credit card should I apply for to qualify for PHP 2,000 GCash? You can apply for any Citi credit card to become eligible for the Moneymax GCash promo. Just apply via Moneymax within the promo period and get approved to receive the PHP 2,000 GCash. To help you decide, here are some Citi credit cards to choose from: Citi Rewards Card Citi PremierMiles Card Citi…

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Don’t Miss It! Get Free Apple AirPods from Moneymax

Welcome the most wonderful time of the year with a new Citibank credit card! Enjoy exciting rewards and make holiday shopping more convenient with your 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 7,690 when you apply and get approved for any Citi credit card on the Moneymax website! Hurry and apply today! This Moneymax Citibank AirPods promo runs until December 31, 2021 only. DTI Fair Trade Permit No. FTEB-130767 Series of 2021. For full Terms and Conditions, click here. The free AirPods gift is exclusively from Moneymax and is valid to new Citibank customers only. The promo is valid to all Philippine residents. We know you can’t wait to listen to your favorite holiday tunes again. Level up your listening pleasure―listen to “All I Want for Christmas is You” by Mariah Carey with your new AirPods! To learn more about the Moneymax AirPods promo, see the FAQs section below.  Table of ContentsMoneymax Citibank AirPods Promo FAQs1. Which Citi credit cards are eligible for the free AirPods promo?2. I already have a Citibank credit card. Do I qualify for the Moneymax Citibank AirPods promo?3. What is the eligibility criteria for Citibank credit cards?4. What documents should I submit to complete my Citi credit card application?5. Why should I apply through the Moneymax website to qualify for the promo?6. I just completed my application through the Moneymax website. What happens next?7. How will I know if my Citi credit card application was approved?8. I…

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11 Best Supplementary Credit Cards to Get for Your Loved Ones

Applying for a new credit card? If you have family members who depend on you for financial support, consider getting each of them a supplementary credit card along with your own primary card. Rather than applying for additional principal cards, it’s better to enroll your spouse, child, or elderly parent as a supplementary cardholder under your credit card account. Firstly, your family members may not qualify for a regular credit card. Either they are too young or too old, or lack income documents. With more relaxed eligibility requirements, the best supplementary credit card in the Philippines makes it easy for such people to enjoy the convenience and benefits of a principal card. Also, supplementary cards are especially helpful during emergencies. Your child who lives far away can use the card immediately when he or she runs out of cash. Table of ContentsHow to Choose the Best Supplementary Credit Card: 3 Features to Look For☑️ Waived Annual Fees for Life☑️ Control Over the Supplementary Credit Limit☑️ Supplementary Credit Card Benefits11 Best Supplementary Credit Cards in the Philippines💳 AUB Classic Mastercard💳 Citi Simplicity+💳 Metrobank M Free Mastercard💳 EastWest Platinum Mastercard💳 Bank of Commerce Platinum Mastercard💳 BPI Family Credit Card💳 China Bank Prime Mastercard💳 HSBC Red Mastercard💳 RCBC Bankard Visa Infinite💳 Metrobank Peso Platinum Mastercard💳 Security Bank Complete Cashback MastercardFinal Thoughts How to Choose the Best Supplementary Credit Card: 3 Features to Look For If you already have an existing credit card and you don’t plan on getting a new one, your supplementary card options are limited to what your issuing bank offers….

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Robinsons Credit Card Application in 5 Quick Steps

Robinsons Bank may not be as widely known or as spread out as the larger commercial banks in the country. But it’s definitely a strong bank that offers a suite of reliable financial services and products, such as credit cards. There are only three Robinsons Bank credit cards. But what it lacks in quantity, it makes up for quality. This is attested by the bank’s various recognitions, such as the Most Innovative Banking Credit Card Program (World Economic Magazine Awards 2021) and Best Banking Credit Card Program (International Business Magazine Awards 2021).[1] So, if you’re looking for a good credit card, include this bank in your list. This article lists down all you need to know when it comes to Robinsons credit card application. Table of ContentsRobinsons Credit Card Application Steps1. Check the Eligibility Requirements2. Pick the Right Robinsons Credit Card for You3. Collate All the Robinsons Card Requirements4. File Your Robinsons Credit Card Application5. Activate Your Robinsons Credit CardRobinsons Credit Card FAQs1. Can foreigners apply for a Robinsons credit card?2. Where can I pay my Robinsons credit card bills?3. Does the Robinsons Cashback credit card have a cap on rebates?4. Where can I use my Robinsons Cashback credit card?5. How can I enroll in RBank Digital using my credit card?Other Great Credit Card Options Final Thoughts Robinsons Credit Card Application Steps The Robinsons credit card application is not that complicated. All you need to do is to follow the five steps below: 1. Check the Eligibility Requirements First and foremost, determine if you’re actually eligible to apply for a…

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Moneymax Reviews: Save on Essentials with a Citi Cash Back Card

The last benefit you’ll ever think credit cards have is saving you money, right? Wrong. In fact, there are credit cards out there that can save you money on every swipe. How? By awarding you with cash rebates on specific spend categories. We call them cashback credit cards. Fortunately, they aren’t that hard to find. In fact, most banks offer generous cashback credit cards to shoppers looking to maximize their purchases. One of the popular cards you’ll see out there is the Citi Cash Back Card. Curious about the Citi Cash Back Card? Then you came to the right place. In this Moneymax Reviews edition, we bring you Citibank’s own rebate generator. Find out more in this Citi Cash Back Card review. Table of ContentsCiti Cash Back Card FeaturesCiti Cash Back Card BenefitsHow Much Rebate Will I Receive Monthly?What Perks Can I Enjoy with My Citi Cash Back Card?Citi Cash Back Card AlternativesBPI Amore VisaMaybank Platinum VisaHSBC Gold Cash BackSecurity Bank Complete Cashback MastercardCITI CREDIT CARDSFEATURES and BENEFITSFinal Thoughts Citi Cash Back Card Features Just like in every boxing match, let’s look at Citi Cash Back Card’s tale of the tape. Judging by its features, it seems the Citi Cash Back Card costs more to use and maintain. But is it worth it? Annual fee: PHP 4,500 for principal cardholders (free for the first year) PHP 2,250 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…

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Goodbye, Yearly Charges: 17 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. It’s true that credit card fees are disheartening. But convenience comes with a price. If you need a plastic card, you can avoid additional charges by getting one of these credit cards without an annual fee in the Philippines. Table of ContentsWhat Does a No Annual Fee Credit Card Mean?Limited Annual Fee WaiverNo Annual Fee for LifeWhy Choose a No Annual Fee Credit Card?How to Choose a Credit Card With No Annual FeeTop Credit Cards with No Annual Fee in the PhilippinesCREDIT CARDS WITH FREE ANNUAL FEEFEATURES AND BENEFITSCredit Cards with No Annual Fee for LifeAUB Classic MastercardAUB Easy MastercardCiti Simplicity+ CardEastWest Platinum MastercardMetrobank M Free MastercardPSBank Credit MastercardPNB – The Travel Club Platinum MastercardPNB Ze-Lo MastercardRobinsons Bank DOS MastercardCredit Cards with No Annual Fee Promo (Limited Time Only)Citi Rewards CardPNB-PAL Mabuhay Miles NOW MastercardRCBC Flex Gold VisaRCBC Flex VisaHSBC Red MastercardHSBC Gold Visa Cash BackSecurity Bank Classic Rewards MastercardSecurity Bank Gold Rewards MastercardFinal Thoughts What Does a No Annual Fee Credit Card Mean? 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. So, when you see a bank offering no annual fee credit cards, that simply means that its yearly card membership fees are waived….

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Your Complete Guide to PNB Credit Card Application

When it comes to banking, no one can question the reputation of the Philippine National Bank or PNB. After all, it’s the country’s first universal bank.[1] Its trustworthiness and credibility are substantiated by its 105 years of existence. A bank wouldn’t last this long in the business if it didn’t have high-quality and reliable services. PNB is not just known for its commercial and personal banking capabilities. It also offers a robust range of credit cards that consumers and corporate clients can use for their spending activities. The cards also have a slew of distinct features. One is Transaction Conversion, which converts straight payments into low-interest installments. Another is the Zero % Affordable Payment Plan (ZAPP), which provides cardholders with 0% installment plans of up to 24 months if they shop at PNB-accredited merchants. If you’re shopping for a new card, it’s time to consider what PNB has to offer. Here’s your complete guide to PNB credit card application. Table of ContentsPNB Credit Card Application Steps1. Check if You’re Qualified2. Choose the PNB Credit Card to Apply For3. Complete All the PNB Credit Card Requirements4. File Your PNB Credit Card Application5. Check Your PNB Credit Card Application Status6. Activate Your PNB Credit CardPNB Credit Card FAQs1. How can I pay my credit card bills?2. How many PNB supplementary credit cards can I apply for?3. What are my card’s other fees and charges?4. I want to update my credit card information. What should I do?Final Thoughts PNB Credit Card Application Steps Ready to be a PNB credit cardholder? Here are the…

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AUB Credit Card Application in 6 Easy Steps

AUB credit cards might have caught your interest because of their waived annual fees. While that’s a big deal when choosing a credit card, there’s more to AUB cards than their no annual fee for life feature. For instance, did you know that AUB credit cards are among those with the fastest rewards earn rate in the Philippines? Every PHP 20 spent using an AUB Mastercard earns you 1 rewards point. Other credit cards require a higher minimum spend to earn rewards. AUB also offers flexibility for paying credit card bills. Choose your own payment due date, frequency, and fixed minimum balance. If you select the right payment terms, this feature can help you manage your finances well and avoid making late payments. With all such features, having a credit card from AUB is absolutely worth it. Interested in getting one already? No worries because here’s an easy step-by-step AUB credit card application guide to help you. Table of ContentsAUB Credit Card Application Steps1. Pick the Right AUB Credit Card for You2. Compare the Different AUB Credit Cards3. Prepare the AUB Credit Card Requirements4. Submit Your AUB Credit Card Application5. Check Your AUB Credit Card Status6. Activate Your Credit CardFinal Thoughts AUB Credit Card Application Steps If you want to know how to apply for a credit card in AUB, here are the simple steps you need to follow. 1. Pick the Right AUB Credit Card for You AUB credit cards come in four types: Easy, Classic, Gold, and Platinum. Each card caters to a specific income bracket, budget, and…

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Get Your Maybank Credit Card Application Started with This Handy Guide

Maybank is a full-service commercial bank that has been operating in the Philippines for over 20 years. Currently, it’s serving around 200,000 customers with 65 branches and 93 automated teller machines in the country.[1] With a wide range of international-grade services, its credit cards are also worth exploring. Find out how to get one through this Maybank credit card application guide, so you can start enjoying exclusive credit card benefits from one of Asia’s leading banks.  Table of ContentsMaybank Credit Card Application Steps1. Verify Your Card Eligibility2. Prepare the Maybank Credit Card Requirements3. Pick the Best Maybank Credit Card for You4. Submit Your ApplicationMaybank Credit Card Application FAQS1. Do I need to submit a statement of account from my existing credit card? 2. How do I follow up on my Maybank credit card application?3. How long does the Maybank credit card application take?4. How long before I receive my new Maybank credit card?5. How do I activate my Maybank credit card?6. How many supplementary cards can I apply for?Final Thoughts Maybank Credit Card Application Steps Curious to know how to apply for a credit card from Maybank? Check the application process below. 1. Verify Your Card Eligibility Each bank has its own credit card eligibility requirements. When you apply for a Maybank credit card online,[2] you’ll need to answer a few screening questions:  Do you have an existing credit card with other banks for more than 10 months with a credit limit of at least PHP 30,000? Do you have an existing savings account with Maybank? If yes, does it have…

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Need a Card? Here’s a Guide to Credit Card Online Application

The number of credit cardholders in the Philippines increased from 7.5 million in 2013 to 9 million in 2018.[1] Apart from the different credit card types and perks offered by banks, the convenience of a credit card online application may have also played a part in the increase. Not to mention that it’s much safer to just apply online than go to the bank during a pandemic. Traditionally, you need to head down your bank’s nearest branch to apply for a credit card. You’d have to wait in line for your turn to submit your requirements and wait for approval, which can be time-consuming. But thanks to modern technology, long queues for credit card applications have become a thing of the past. Online application now allows potential customers to apply for a card at the comfort of their home. Table of ContentsWhy You Should Apply for a Credit Card OnlineConvenienceAccess to a Wide Range of Credit Card ProductsShorter Processing TimeSafer Application ProcessWhat to Do Before Applying for a Credit Card OnlineIdentify Your NeedsKnow the Different Types of Credit CardsDon’t Rush ItCheck the RequirementsCredit Card Online Application Basic RequirementsHow to Apply for a Credit Card OnlineUsing Your Credit Card ResponsiblyPay Your Bills on TimeSpend What You Can AffordTrack Your SpendingCheck Your Credit Card StatementFinal Thoughts Why You Should Apply for a Credit Card Online A credit card online application offers various advantages compared to its traditional counterpart. Here are some of them: Convenience This is probably the number one reason why a lot of people prefer online credit card applications. You don’t…

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

Debit card vs credit 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?” But using a particular card in certain situations makes a huge difference in your finances. Keep reading this debit card vs. credit card guide to learn more. Table of ContentsWhat are the Similarities of a Debit Card and a Credit Card?What are the Differences Between a Debit Card and a Credit Card?Debit Card vs Credit Card: Best Uses of a Credit Card1. Paying for Big-Ticket Purchases in Installments2. Online Shopping3. Travel-Related Bookings4. Travels Abroad5. Paying for Bills and Other Recurring Charges6. Getting Rewards and Promos7. Building a Good Credit History8. Paying Off DebtsDebit Card vs Credit Card: Best Uses of a Debit Card1. Everyday Purchases2. Withdrawing Cash3. Controlling Bad Spending Habits4. Transferring Money  5. Avoiding Unnecessary Charges   Summary of Debit Card vs. Credit Card GuideFinal Thoughts What are the Similarities of a Debit Card and a Credit Card? On the surface, the two cards look identical. Both have a 16-digit card number and an expiration date on the front side. With these similarities, it’s easy to be confused about their main use. When it comes to transactions, you can use both cards to make online and offline purchases. So, if you have no idea that you can score those seat sales online with a debit card, try using your debit card next time! …

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Bank of Commerce Credit Card Application: Requirements, Card Options, and Steps

Bank of Commerce is a commercial bank in the Philippines that started operations in 1963. In 2008, San Miguel Group invested in the bank, further strengthening its operations. Today, a Bank of Commerce credit card, among many other financial products, is offered in 140 branches of the bank nationwide.  If you want a credit card that’s accepted in more than 30 million establishments worldwide, then let’s kick off your Bank of Commerce credit card application with this guide.  Table of ContentsBank of Commerce Credit Card Application Steps1. Check Your Eligibility for a Credit Card2. Complete Your Bank of Commerce Credit Card Requirements3. Choose the Right Bank of Commerce Credit Card For You4. Apply for a Bank of Commerce Credit CardWhat’s the Bank of Commerce Credit Card Application Processing Time?Where Can I Pay My Bank of Commerce Credit Card Bill?Final ThoughtsMore Credit Card Options for You Bank of Commerce Credit Card Application Steps Before you begin your Bank of Commerce credit card application, make sure to follow these steps.  1. Check Your Eligibility for a Credit Card To be qualify for a Bank of Commerce credit card, you should meet these eligibility requirements: 21 to 65 years old for principal cardholders; at least 15 years old for supplementary cardholders Filipino or foreign resident in the Philippines Earning a minimum monthly income for the following credit cards: Classic Mastercard – PHP 10,000 Gold Mastercard – PHP 38,000 Platinum Mastercard – PHP 100,000 With an active landline number (office/ business/residence) and a postpaid mobile number 2. Complete Your Bank of Commerce Credit Card…

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Moneymax Reviews: Grab More Rewards with Citi Grab Credit Card

Do you use any one of Grab’s booking services frequently? 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 customers? From exciting rewards to generous welcome gifts, the 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 GrabRewards Points Upon ApplicationGrab Platinum Tier Upgrade for the 1st 6 MonthsP5,000 GrabPay Credits for New CardholdersP2,000 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 Mobile AppCiti PayLite After PurchaseCiti Grab Credit Card AlternativesShell Citi and Mercury Drug Citi CardsUnionBank Lazada and Cebu Pacific GetGo Credit CardsFinal Thoughts Citi Grab Credit Card Key Features Annual fee: PHP 2,500 Interest rate: 2% Minimum monthly income requirement: PHP 15,000 (with existing credit card) / PHP 20,883 (without existing credit card) 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 the converted sum Card replacement fee: PHP 400 Why Should I Grab the Citi Grab Credit Card? The Citi Grab Credit Card is the perfect card for you if Grab services…

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