All Articles With Category : Credit Card

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

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 February 26, 2021 only. Per DTI Fair Trade Permit No. FTEB-114185 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 NCR residents only. Get the right Citi 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 spend Unlimited access to VIP airport lounges Dedicated customer service hotline Monthly income requirement: PHP 83,333 Citi Grab Card Earn up to…

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10 Metrobank Credit Card Promos You Shouldn’t Miss

Do you own a Metrobank credit card? Or maybe you’re planning to get one soon? Whatever your status is, it’s important to take advantage of Metrobank credit card promos in 2021. Apart from Metrobank credit card rewards points, cardholders can also enjoy exclusive discounts and deals when they use their card to shop at partner establishments. Here are some of the best ones to check out. Table of ContentsMetrobank Credit Card Promos 2021 for New CardholdersRainy Day Rebates Acquisition PromoPHP 500 Rebate Supplementary Card PromoMetrobank Credit Card Promos 2021 for Dining50% Off at The Lounge of Grand Hyatt Manila40% Off at Dusit Thani Manila Restaurants30% Off on Ala Carte at Shang Palace20% Off at Ruby Jack’s Steakhouse & Bar10% Off on Your Next Order at The Moment GroupMetrobank Credit Card Promos 2021 for ShoppingUp to PHP 1,000 Off at Laura MercierPHP 100 Off on Weekends at ShopeeUp to 18% Off at ZALORAFinal Thoughts Metrobank Credit Card Promos 2021 for New Cardholders Rainy Day Rebates Acquisition Promo Eligible Cards: All Metrobank credit cards (except Metrobank Dollar Mastercard, Corporate Card, Commercial Card, Puregold Mastercard, and M Free Mastercard) Promo Period: Until February 28, 2021 Thinking of applying for a Metrobank credit card? Do it before February 28, 2021 so you won’t miss just one of the exciting Metrobank credit card promos[1]. Apply for a Metrobank credit card, spend PHP 30,000 within 90 days upon approval, and get rebates worth up to PHP 5,500. PHP 500 Rebate Supplementary Card Promo Eligible Cards: Metrobank World Mastercard, Metrobank Peso Platinum Mastercard, Metrobank Travel Platinum, Metrobank Femme Signature…

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Best Credit Cards for Money-Savvy Students in the Philippines

Who says credit cards are for adults only? Students like you can also get a credit card of your own. No need to bother your parents for additional allowance. You can practice financial responsibility as early as now by checking out these credit cards for students in the Philippines. But before you go shopping for credit cards, you should know the types of cards you can apply for as well as the requirements you will need to submit. So take the time to read this guide before deciding on the right credit card for a student like you. Table of ContentsCan a Student Apply for a Credit Card in the Philippines?How to Get a Credit Card for StudentsBest Credit Cards for Students in the PhilippinesSecurity Bank Fast Track Secured Credit CardBPI Express Start Secured Credit CardAUB Secured Credit CardRCBC Bankard InstaCardCiti Simplicity+ CardMetrobank M Free MastercardHSBC Red MastercardFinal Thoughts Can a Student Apply for a Credit Card in the Philippines? It would be awkward if the answer is no, wouldn’t it? But yes, it is possible for students to apply for a credit card. There are various ways for you to get a credit card and while they don’t require a steady income, having one will certainly help your chances of approval. But the question is do you really need a credit card? If you’re going to use it just for shopping, forget it. A credit card is not a free ticket to spend recklessly. Only apply for one if you don’t have enough allowance and you don’t have a…

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How to Avail of the Credit Card Amnesty Program in the Philippines

Dead-worried about the credit card debt you haven’t paid off for a long time? Stop stressing out and start dealing with it by availing of the credit card amnesty program in the Philippines. This program allows credit cardholders with unpaid balances to settle their debt at a lower interest rate and a longer repayment term. As a result, you can get back on track with your finances and improve your credit standing. Banks like Citibank have their own amnesty program for credit card debt. There’s also a credit card amnesty program in the Philippines that consolidates cardholders’ debts from different banks. Table of ContentsWhat Happens to Unpaid Credit Card Debt in the Philippines?Can You Be Jailed for Credit Card Debt in the Philippines?How to Deal with Credit Card Debt Collectors in the PhilippinesWhat is Credit Card Amnesty Program?Features of Restructured Credit Card DebtBanks That Provide Credit Card Amnesty in the PhilippinesWho Can Apply for Credit Card Amnesty?IDRP Eligibility RequirementsHow to Apply for Credit Card AmnestyIDRP Document RequirementsWhat Happens After Getting Approved?How Many Years Before a Credit Card Debt is Written Off in the Philippines?Final Thoughts What Happens to Unpaid Credit Card Debt in the Philippines? Wondering about what happens if you don’t pay your credit cards? These things are likely to occur if you fail to settle your credit card balance: The bank will give you a written notice to remind you of your unpaid credit card balance. The bank will turn over your overdue credit card account to a third-party collection agency. You’ll get calls from a collection agent…

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15 Exciting Citibank 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 their exclusive deals this year. You’ll definitely want to avail these Citibank promo offers before they expire. So what are you waiting for? Check out our curated list of the best Citibank credit card promos and take your pick! Table of ContentsCitibank Promo Offers for New CardholdersCiti Grab Credit Card PromoCitibank Promo Offers for Dining50% Off Every Saturday at The Bistro GroupUp to 30% off at Pookaberry Cafe25% off at Chi Em Gai Vietnamese Restaurant20% Off at Mistah Cafe15% Off at Coffee ProjectCitibank Promo Offers for Shopping30% off Every Saturday at ZALORAUp to 20% off on farm fresh produce at MayaniUp to 30% off on shipping fees at ShippingCartFinal Thoughts Citibank Promo Offers for New Cardholders Citi Grab Credit Card Promo Citibank has launched its newest co-branded rewards credit card with ride-hailing platform Grab. Loads of money-saving deals[1] are up for grabs for Citi Grab Credit Card applicants and cardholders! Just completing the online Citibank credit card application will earn you free 50 Grab rewards points. Once you get approved for a Citi Grab card, use it to top up your GrabPay wallet with 1,000 credits to receive vouchers worth PHP 2,000. When you’ve spent at least PHP 10,000 with your new Citi Grab card within 60 days from receiving it, you can redeem your welcome gift—PHP 5,000 GrabPay credits. This promo is valid until February 28, 2021. From now until June 30, 2021, you can earn 10x bonus rewards points for every…

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12 Best Air Miles Credit Cards for Cheaper Travel in the New Normal

Do you love to travel? The fact that you’re reading this right now means you’re at least planning to travel in the near future. But sadly, travel isn’t exactly a luxury at this moment when COVID-19 is still around. The pandemic will end eventually, so don’t cancel your air miles credit card just yet. The next best thing you could do is earn travel points while planning your next getaway. In that case, you definitely need to get the best miles credit card. Finding the right one is easier now more than ever. Compare your options with this comprehensive list of best credit cards for miles in the Philippines. Table of ContentsBest Miles Credit Cards in the PhilippinesAUB Platinum MastercardBPI SkyMiles Platinum MastercardCiti PremierMiles CardEastWest Priority Visa InfiniteHSBC Platinum VisaMaybank Platinum Mastercard/Visa PlatinumMetrobank Travel Platinum VisaPNB-PAL Mabuhay Miles World MastercardRCBC Bankard Visa InfiniteRCBC AirAsia Credit CardUnionBank Cebu Pacific GetGo PlatinumUnionBank Miles+ Platinum VisaHow Do I Redeem Credit Card Miles?How Do I Choose the Best Miles Credit Card in the Philippines?Final Thoughts Best Miles Credit Cards in the Philippines AUB Platinum Mastercard ✈️ How to earn miles: Get 1 Mabuhay Mile for every PHP 33 spent 💸 Annual fee: Free for life! 🧳 Other travel perks: Free access to SkyView Lounge at NAIA Terminal 3 and Pacific Club Lounges at NAIA 3 and Clark International Airport Double credit card rewards points for overseas purchases BPI SkyMiles Platinum Mastercard ✈️ How to earn miles: Get 1 Delta SkyMiles mile per PHP 45 spent 💸 Annual fee: PHP 5,000 (waived for the first…

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Get Free ₱2,000 GCash from Moneymax!

Go cashless in the new normal with a credit card that suits your lifestyle and needs. Still looking for the right one? Get one from Citibank through Moneymax and receive GCash worth PHP 2,000 upon approval! Use your GCash to pay bills, send money, and buy load and other purchases. Your GCash is also withdrawable as cash. This promo is exclusively from Moneymax and is only valid to new Citibank customers. Hurry and apply today! Promo runs until February 28, 2021 only. Per DTI Fair Trade Permit No. FTEB-113006 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 spend Unlimited access to VIP airport lounges Dedicated customer service hotline Monthly income requirement: PHP 83,333 Citi Grab Card Earn up to…

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Citibank Credit Card Application: Easy 5-Step Guide

Citibank is known for its fast credit card approval and delivery time. It usually takes only one to two weeks to get a Citibank credit card application approved and a few days to receive your new card. In contrast, other banks make you wait for a month or longer to process your application, and another one to two weeks to deliver the card. Citibank also has one of the easiest credit card application systems in the Philippines. You can do a walk-in application at a Citibank branch or deal with a credit card agent. However, the simplest and most convenient way to submit a Citibank credit card application is online. Table of ContentsSteps to a Citibank Credit Card Online Application1. Ensure You’re Eligible for a Citi Credit Card2. Prepare the Citi Credit Card Requirements3. Choose the Right Citibank Credit Card for You4. Fill Out the Online Citi Credit Card Application Form5. Submit Your Supporting DocumentsHow Can I Check My Citibank Credit Card Application Status?Final Thoughts Steps to a Citibank Credit Card Online Application 1. Ensure You’re Eligible for a Citi Credit Card You can apply for a Citi credit card if you meet these eligibility requirements: Age 21 or older Have an annual income of at least PHP 180,000 for existing cardholders or at least PHP 250,000 for first-time credit card applicants Have an active landline or mobile phone number A valid TIN or SSS/GSIS number is also required Take note that Citi will accept your Citibank credit card application even if you don’t have a deposit account with the…

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My Credit Card Application Was Denied. What Should I Do?

Received a declined credit card application? It’s natural to be disappointed and paranoid—what if you’re rejected again on your next credit card application? But you don’t have to wallow in despair. Just because you’re rejected for a credit card doesn’t mean you can’t be approved in the future. You can take steps to ensure that your next attempt at getting a credit card will be successful. Here’s what you can do on how to get approved for a credit card. Table of ContentsWhat to Do When You Receive a Declined Credit Card Application in the Philippines1. Check Your Credit Card Application Status2. Find Out Why You’re Rejected for a Credit Card3. Wait At Least Three Months to Reapply4. Check Your Credit Report and Improve Your Credit Score5. Apply for the Right Credit Card6. Get a Secured Credit Card or a Prepaid CardFinal Thoughts What to Do When You Receive a Declined Credit Card Application in the Philippines 1. Check Your Credit Card Application Status After you’ve applied for a credit card, the bank will contact you after one to three weeks to inform you about its status. However, in some cases, banks take longer than usual to process a credit card application, leaving applicants uncertain about whether they’re approved or have a declined credit card application. If you aren’t sure if your credit card application is declined, you can check its status by calling the bank or making an online inquiry. Here’s how to check the credit card application status with some of the major issuers in the Philippines. 📌…

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7 Valentine’s Credit Card Promos for Couples This February 2021

Celebrating Valentine’s Day, for some, may mean getting thinner wallets. But you don’t have to break the bank if you’re wise about spending on this special day. For instance, if you own a credit card, you may get discounts and other Valentine’s promo offers at your provider’s partner merchants. Still looking for ideas on how to celebrate Valentine’s Day this year? Wondering where you can score a sulit Valentine’s promo? Check out this list, and you might find what you’re looking for. Table of ContentsValentine’s Promo Offers on DiningMelo’s Steakhouse – 50% Off on 2nd Main CourseThe Beer Factory – 30% Off on Total BillCrystal Dragon – 25% Off on Total BillCalifornia Pizza Kitchen – 20% Off on Your Birthday MonthBoozy PH – PHP 300 Off on Total BillValentine’s Promo Offers on Flower ShopsFlowerStore PH – 15% Off on BouquetsFlower Chimp – 18% Off on BouquetsBest Credit Cards to Bring on Valentine DatesCiti Rewards CardHSBC Gold Visa Cash BackMetrobank Femme Signature VisaSecurity Bank Complete Cashback MastercardFinal Thoughts Valentine’s Promo Offers on Dining Melo’s Steakhouse – 50% Off on 2nd Main Course Eligible Cards: RCBC Bankard Visa Infinite and Visa PlatinumPromo Period: Until March 31, 2021 What’s better than one main course for your Valentine’s date? Two main courses! And when you use your RCBC Bankard Visa Infinite or Visa Platinum card, you can get 50% off on your second main course at Melo’s Steakhouse. Who says you can’t pig out on February 14? Promo mechanics[1] The Beer Factory – 30% Off on Total Bill Eligible Cards: All Citibank credit cardsPromo…

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8 Best Cashback Credit Cards to Help You Save Money

Get paid each time you spend with your credit card—isn’t that enticing enough to get a cashback credit card? But there’s more to it with cash back than just swiping and earning rebates. Understanding how they work allows you to find the one that suits your spending habits and can maximize your spending. Get started with this guide on cashback credit cards in the Philippines. Table of ContentsWhat is a Cashback Credit Card?Best Cashback Credit Cards in the PhilippinesCiti Cash Back CardHSBC Gold Visa Cash BackBPI Amore VisaMaybank Platinum VisaEastWest EveryDay Titanium MastercardShell Citi CardSecurity Bank Complete Cashback MastercardUnionBank Platinum MastercardHow Do Credit Cards with Cashback Work?How Do I Choose the Best Credit Card with Cashback?Types of Cashback Credit Cards in the Philippines1. Cards with Variable Cashback Rates2. Cards with a Fixed Cashback RateCashback Credit Card FeesHow to Redeem Cashback or Cash Rebate?Final Thoughts What is a Cashback Credit Card? A cashback credit card, also known as a rebate credit card, is a type of rewards card that earns you cash rebates for every purchase. These cards make your life simpler because unlike other rewards credit cards, you know exactly how much you’ll be paid back without dealing with complicated point systems. Apart from its convenience and simplistic rewards system, credit cards with cashback can help you save money, cover some of your expenses, and even build a good credit history. Cashback credit cards in the Philippines vary not only in their rebate rates but also the ways to earn and redeem some cash back. Best Cashback Credit Cards in…

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Don’t Let Credit Card Fraud Happen to You: Here Are Some Tips

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 National Bureau of Investigation, phishing became the top cyber crime in the Philippines in July 2020, with a 200% increase in cases [1]. The Bank of the Philippine Islands also took down 2,000 phishing sites in October 2020 [2]. The numbers are alarming, but there are precautions you can take so that you won’t fall victim to these fraudsters. Table of ContentsWhat is Credit Card Fraud?Common Credit Card Frauds in the Philippines1. Lost or Stolen Card2. Account Takeover3. Counterfeit Cards4. Collusive Merchant5. Card-Not-Present (CNP) Fraud 6. Card Replacement Scam 7. Skimming8. Phishing 9. Vishing Security 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. Only Shop at Trustworthy Websites12. Review App Permissions on Your Mobile DeviceWhere to Report Credit Card Fraud in the PhilippinesWhat is the Punishment for Credit Card Fraud in the Philippines?Final Thoughts What is Credit Card Fraud? Credit card fraud is the unauthorized use of another person’s credit or debit card to obtain funds or make purchases on the cardholder’s account.  Common Credit Card Frauds in the Philippines…

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10 Advantages of Credit Cards for People Who Are Afraid to Get One

You’ve probably heard horror stories from family and friends about credit cards. Like how fees are so expensive, or how they never get approved for one, or how their credit card bills are piling up. They might have also talked about the advantages of credit cards at one point, but their credit card woes far outweigh credit card plus points. According to the 2018 Moneymax Financial Life Survey, Pinoys don’t get a credit card for three reasons: the interest fees, the approval process, and lack of financial discipline. But as long as you swipe responsibly and pay your bills on time, you can fully enjoy the advantages of credit cards. Table of ContentsWhat are the Advantages of Credit Cards?1. Credit Cards Teach You to Be a Responsible Cardholder2. Credit Cards Help Monitor Your Monthly Spending3. You are Protected by Law as a Credit Cardholder4. Credit Cards are Safe for Online Shopping5. Credit Cards are More Secure Than Debit Cards6. It’s Rewarding to Own a Credit Card 7. Credit Cards Help Build Credit History8. Getting a Credit Card is Actually Easy9. You Can Get Protection for Your Purchases10. You Won’t Lose Money When Your Card is LostShould I Get a Credit Card in the Philippines?Final Thoughts What are the Advantages of Credit Cards? It’s good to know the pros. But to manage your expectations, it’s good to know the cons as well. If you need help deciding, we’ve listed down 10 reasons why you should get a credit card, and why it’s even better than cash and debit cards. 1. Credit Cards Teach…

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Best Credit Card Promos to Check Out and Avail in 2021

Make the most of your credit card use this year, especially for your essentials and online shopping! Here’s a roundup of credit card promos in 2021 that offer discounts, rebates, freebies, and other rewarding perks for cardholders in the Philippines.

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Save Money With These 8 Rewards Credit Cards in the Philippines

Earning and redeeming rewards for purchases is undeniably the most exciting part of using a credit card. Who doesn’t want to get rewarded and save money while spending? It’s most likely the reason you’re considering to apply for a rewards credit card. But what are rewards credit cards, really? Are they worth it? This guide answers these questions and lists down the top credit cards with rewards points in the Philippines. Check them out! Table of ContentsBest Rewards Credit Cards in the Philippines1. Citi Rewards Card2. HSBC Red Mastercard3. Metrobank Femme Signature Visa4. Metrobank Titanium Mastercard5. Metrobank Rewards Plus Visa6. AUB Classic Mastercard7. Security Bank Classic Rewards Mastercard8. Maybank Standard MastercardWhat are Rewards Credit Cards?How Do Credit Cards with Rewards Work?How to Earn Rewards PointsHow to Redeem Rewards PointsShould You Get a Rewards Credit Card?Final Thoughts Best Rewards Credit Cards in the Philippines Here are the best credit cards with rewards based on how quick cardholders can earn points and how affordable it is to own a card (i.e., low or no annual fees). Remember that the best rewards credit card for you will still depend on your lifestyle, spending habits, and preferred rewards and extra perks, among other factors. Scroll down after the table for a more in-depth understanding of the top rewards credit cards in the Philippines. REWARDS CREDIT CARDS FEATURES & BENEFITS CITI REWARDS CARD Monthly income requirement: PHP 20,833.33 Interest rate: 2% 3x rewards points on shopping and dining Never-expiring points — use anytime, anywhere! HSBC RED MASTERCARD Monthly income requirement: PHP 16,666.67 Interest rate: 2%…

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11 Credit Cards for First-Time Applicants in the Philippines

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

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8 Credit Cards with Easy Application Requirements

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

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14 Credit Cards With No Annual Fee in the Philippines

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

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

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

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

You can’t deny the benefits of having a credit card. It makes you feel empowered because you can easily pay for the things that you need or want. This is especially true these days, as people are into online shopping. Add to that the fact that these tiny plastic cards offer exclusive perks and benefits, from rebates to airline miles. However, some people don’t have a credit card. This may be because they want to avoid certain financial problems down the road, knowing that they have a tendency to overspend. Others, however, find it hard to get qualified. Either way, the absence of credit cards makes online shopping quite a challenge. Maybe you want to feel the thrill of 11.11 or 12.12 sales. Or maybe, you just want to make your life much more convenient through online shopping. The good news is these are still possible even without that shiny plastic card. Read on to learn how to shop online without credit card. Read more: Save Money With These 8 Rewards Credit Cards in the Philippines Table of Contents7 Ways to Shop Online Without Credit CardDebit CardCash on DeliveryGCash or PayMayaVirtual Credit CardPrepaid CardsOver-the-Counter PaymentThe Online Shop’s Electronic WalletOn Shopping SafelyFinal Thoughts 7 Ways to Shop Online Without Credit Card Debit Card Whether it’s your payroll or personal debit card, you can use it for your online shopping escapades. Good thing, many online shopping platforms accept a wide range of debit cards, including Visa and MasterCard. One benefit of using a debit card is that you don’t run the risk…

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