All Articles With Category : Credit Card

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

What is the Best Credit Card to Pay Bills in the Philippines?

Using a credit card is one of the most convenient and safest ways to pay bills. It spares you the hassle of lining up at malls and remittance centers and paying in cash or check. Instead, you can make utility payments online with your card at home. When you pay bills with a credit card, you can track your expenses more easily. You can just view your card’s billing statement to check if all your bills for the month are settled. What’s the best credit card to pay bills, you might ask. It’s the one that provides maximum savings and convenience when used to pay for electricity, water, mobile postpaid, internet, cable, and other utilities. Keep reading to learn more about the best credit cards to pay utility bills in the Philippines. Read More: A Guide to Paying Electricity Bills with Meralco Online Simple Steps to Check and Pay for Your Maynilad Water Bill Online Table of ContentsWhat to Consider When Choosing the Best Credit Card to Pay BillsCashback or Rewards for Bills PaymentAutomatic Payment FeatureBest Credit Cards to Pay Bills in the PhilippinesSecurity Bank Complete Cashback MastercardCiti Cash BackUnionBank Gold MastercardMetrobank Rewards Plus VisaHSBC Red MastercardCiti Rewards MastercardRCBC Flex Gold VisaWhat is the Best Credit Card for Utilities?How to Pay Bills with a Credit Card OnlineFinal ThoughtsDiscover other top credit cards in the Philippines: What to Consider When Choosing the Best Credit Card to Pay Bills Cashback or Rewards for Bills Payment Do I get cashback for paying bills?You might be wondering if you’ll be rewarded for using a…

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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 brought by a credit card online application may have also played a part in the increase. Traditionally, you need to head down your bank’s nearest branch to apply for a credit card. You would have to wait in line for your turn to submit your requirements and wait for approval, which can be time-consuming. Thanks to modern technology, long queues for credit card applications have become a thing of the past. Online application allows potential customers to apply for a card at the comforts of their homes. 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 in 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 more and more people prefer online credit card applications. You don’t have to spend time going to your preferred bank’s nearest branch and wait in line. There is no extra…

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Applying for a Credit Card? Prepare These Credit Card Requirements First

Credit cards can help you build a good credit history and save money with numerous benefits and rewards. Despite these perks, only less than 10% of Filipinos own a credit card[1]. Perhaps, many are discouraged by credit card requirements imposed by banks. In addition, many individuals are deterred by credit card debt—even if debt and credit cards do not come together[2]. Credit cards, when used responsibly, can be great for your financial well-being. Preparing for the application is vital to ensure that you’re getting the best chance of approval. To help you get your application ready, we listed down the credit card requirements from some of the top banks in the country. Table of ContentsCredit Card Requirements in the PhilippinesAUBBDOBPIChinabankCitibankEastWest BankHSBCMaybankMetrobankPNBRCBCSecurity BankUnionBank5 Tips When Applying for a Credit CardGet a card that fits your budgetCompare credit cards Limit your credit card applicationsPrepare your documents beforehandUnderstand the terms and conditionsFinal Thoughts Credit Card Requirements in the Philippines AUB Credit cards offered: Easy Mastercard Classic Mastercard Gold Mastercard Platinum Mastercard Eligibility: Must be 21 to 65 years old Must be a Filipino citizen or local resident foreigner For employed: must be employed for at least a year For self-employed: business must be operating for at least a year Basic credit card requirements for AUB: One valid ID Accomplished application form Proof of income (pay slips, latest BIR form 2316, Certificate of Employment, etc.) DTI/SEC Registration for self-employed applicants Alien Certificate of Registration for foreign applicants Processing time: Seven to 10 working days upon submission of complete requirements BDO Credit cards offered: Visa…

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Moneymax Reviews: Is AUB Platinum the Right Premium Card for You?

We’re back for another edition of Moneymax Reviews! Our past editions explored three of AUB’s credit cards: the Easy, Classic, and Gold Mastercard. This time, we’re doing an in-depth AUB Platinum Mastercard review. Judging from its name, you might expect the Platinum Mastercard to be chock-full of exclusive benefits for affluent clients. Indeed, this is marketed as the most premium AUB credit card, catering to high income earners. Now several questions come to mind. Does the AUB Platinum credit card live up to expectations? Is it the best premium card around? Is it worth signing up for? In this AUB Platinum Mastercard review, let’s see how the card measures up as a premium credit card. Table of ContentsAUB Platinum Mastercard Key FeaturesWhy Should I Get an AUB Platinum Mastercard? No Need to Pay Annual FeesChoose Your Own Due DateGet a High Credit LimitNo Need to Pay Interest on New PurchasesHave Your Bills Paid AutomaticallyWhat Perks Can I Enjoy with My AUB Platinum Mastercard?Earn and Redeem Rewards FastEnjoy Exclusive Travel PrivilegesAUB Platinum Mastercard AlternativesFinal Thoughts AUB Platinum Mastercard Key Features The Platinum Mastercard comes with standard features you’d expect from an AUB credit card. Annual fee: No annual fee for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 100,000 Cash advance fee: None Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 Read more: 6 Easy Steps to Applying for an AUB Credit Card Why Should I Get an AUB Platinum…

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10 Best Credit Cards for Small Businesses in the Philippines

For entrepreneurs, a credit card for small 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 small business credit cards in the Philippines and how to find the perfect card for your business. Table of ContentsBenefits of a Credit Card for Small BusinessHow to Choose the Best Credit Card for Small BusinessDetermine What You Spend the Most onLook for Business-Friendly FeaturesGet a Credit Card with High Credit LimitBest Credit Cards for Small Businesses in the PhilippinesMetrobank Rewards Plus VisaHSBC Red MastercardAUB Gold/Platinum MastercardCiti Cash Back VisaSecurity Bank Gold Rewards MastercardBDO Installment MastercardUnionBank Lazada MastercardUnionBank Suy Sing VisaUnionBank Corporate VisaBPI Corporate MastercardHow to Get a Credit Card for Small BusinessBasic Requirements to Apply for a Credit Card for Small BusinessHow to Apply For Credit Card for Small BusinessFinal Thoughts Benefits of a Credit Card for Small Business Having a small 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 with a card compared to a loan. The best advantage of a credit card for small business is how it makes tax preparation and…

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Here’s Why You Should Never Miss a Credit Card Payment

It’s that dreaded time of the month—your credit card bill arrives, and you aren’t sure if you can pay off your total balance. You have other priorities on your budget, so missing a credit card payment becomes an irresistible option. After all, it won’t hurt as much as losing electricity when you don’t pay your utility bills. Or is it? Yes, it’s easier to forgo your credit card bill for a month. You can still use your card anyway. But the consequences can be more serious than you imagine. Here are five possible scenarios that can happen if you skip a credit card payment. Table of ContentsWhat happens if I miss a credit card payment?It’s a One-Way Ticket to DebtYou’ll Lose Your Credit Card PerksYour Card May Be CancelledYou’ll Ruin Your Credit HistoryIt Will Lead to Financial StressWhy Should I Pay My Credit Card Bill in Full?Avoid Interest on Your Credit Card BillImprove Your Credit ScoreBe More Financially DisciplinedWhat if I Really Can’t Pay for My Credit Card Bill?Pay the minimum amount dueApply for a Balance TransferRestructuring ProgramsFinal Thoughts What happens if I miss a credit card payment? It’s a One-Way Ticket to Debt Think one missed credit card payment won’t make a dent on your budget? Think again. When you start skipping a payment, your unpaid credit card bill will be carried over to the next billing cycle. But that’s not all. You’ll be paying a finance charge[1], which is the interest (with rates ranging from 2% to 3.54%) applied to your total amount due, which includes your remaining…

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HSBC Credit Card Promo 2020: 10 Offers You Should Not Miss

Do you have a credit card with HSBC? Make the most out of its use with an HSBC credit card promo. If you don’t have an HSBC card yet, you can immediately qualify for certain promos that cater to new customers. Here are 10 HSBC credit card promos you don’t want to miss this 2020. Table of ContentsHSBC Credit Card Promo Offers for New CardholdersPHP 2,500 Cash Rebate with Your First HSBC Credit CardHSBC Credit Card Promo Offers for Travel10% Off on Agoda BookingsUp to 20% Off at Fairmont MakatiUp to 30% Off at Seda HotelsHSBC Credit Card Promo Offers for Dining50% Discount on Cooked Bagnet at XO46 Heritage Bistro15% Off at Nikkei and Nikkei Nama BarHSBC Credit Card Promo Offers for ShoppingUp to PHP 400 Off at Mayani25% Off at ShippingCartUp to 18% Discount at Zalora10% Off at CalyxtaFinal Thoughts HSBC Credit Card Promo Offers for New Cardholders PHP 2,500 Cash Rebate with Your First HSBC Credit Card Eligible Cards: HSBC Red Mastercard, HSBC Gold Visa, and HSBC Platinum Visa Promo Period: May 15, 2020 to December 31, 2020 First-time cardholders are in for a real treat. Apply now for any eligible HSBC credit card online, spend at least PHP 5,000, and receive a PHP 2,500 cash rebate[1], no questions asked. That should set the mood of your first HSBC credit card experience. Read more:  Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa Moneymax Reviews: Is HSBC Platinum Visa the Most Rewarding Travel Credit Card? Moneymax Reviews: 4x the Fun with HSBC Red Mastercard HSBC Credit Card Promo Offers for…

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12 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 their more relaxed eligibility requirements, supplementary credit cards in the Philippines make 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. Related: Best Credit Cards for Parents in the Philippines Table of ContentsHow to Choose the Best Supplementary Credit Cards for Your Family3 Features to Look for in a Supplementary Card12 Best Supplementary Credit Cards in the Philippines1. AUB Classic Mastercard2. Citi Simplicity+3. Metrobank M Free Mastercard4. Bank of Commerce Platinum Mastercard5. EastWest Platinum Mastercard6. BPI Family Credit Card7. China Bank Prime Mastercard8. HSBC Red Mastercard9. BDO Visa Gold10. RCBC Bankard Visa Infinite11. Metrobank Peso Platinum Mastercard12. Security Bank Complete Cashback MastercardFinal Thoughts How to Choose the Best Supplementary Credit Cards for Your Family 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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Moneymax Reviews: Is AUB Gold Mastercard the Gold Standard?

Another week, another edition of Moneymax Reviews! Let’s leave the budget-friendly credit cards and head straight to the premium ones with this week’s AUB Gold Mastercard review. As we’ve seen from our previous review, AUB knows how to make their cards stand out from the rest. But how well can they fare when it comes to providing the best premium perks? Is the AUB Gold Mastercard the gold standard or can other credit cards steal the crown? So before you pick your next credit card, let Asia United Bank’s golden card entice you with its premium offerings. Table of ContentsAUB Gold Mastercard Key FeaturesWhat is Golden About AUB Gold Mastercard?What Perks Can I Enjoy with My AUB Gold Mastercard?AUB Gold Mastercard AlternativesFinal Thoughts AUB Gold Mastercard Key Features The standard way to start these reviews is to study each credit card’s key features. And just by looking at its features, the AUB Gold Mastercard can make people’s heads turn. Annual fee: No annual fee for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 50,000 Cash advance fee: None Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 What is Golden About AUB Gold Mastercard? AUB is all about giving their cardholders more freedom to pay their credit card bills. While their affordable credit cards are more flexible in this area, the AUB Gold Mastercard isn’t a slouch, either. You can…

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Best Credit Cards for Parents in the Philippines

Raising a family isn’t and will never be cheap. Parents have to juggle different household expenses: childcare costs, groceries, bills, rent, home upkeep, and so much more. The financial aspect of parenting is tough. But you can make things a lot easier for you, of course. A credit card for parents helps manage your household spending through billing statements. Credit cards also let you stretch your budget and save money through rewards or cashback. Whether you’re a single, expecting, first-time, or long-time parent looking for a way to keep your family finances in shape, there’s a credit card that matches your needs. Here’s a guide to help you choose the right credit card for managing your household finances. Table of ContentsWhat is the Best Credit Card for Parents? 4 Features to Consider1. Money-Saving Benefits2. Perks for Your Biggest Expenses3. Automatic Charging of Recurring Bills4. Installment PlanBest No Annual Fee Credit Cards for ParentsAUB Classic MastercardCiti Simplicity+PNB Ze-Lo MastercardBest Cashback Credit Cards for ParentsCiti Cash Back VisaSecurity Bank Complete Cashback MastercardBest Rewards Credit Cards for ParentsHSBC Red MastercardRCBC Bankard Flex Gold VisaUnionBank Lazada Credit CardUnionBank Home Depot VisaFinal Thoughts What is the Best Credit Card for Parents? 4 Features to Consider The best credit card comes with family-friendly features that allow parents to maximize their savings and make it easier for them to monitor their card spending. Look for these features when choosing a credit card for parents: 1. Money-Saving Benefits Some credit cards have waived annual fees, late payment fees, and overlimit fees, which can lead to significant yearly savings….

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Get GrabPay Credits Worth P2,000! Exclusive Moneymax x Citibank Offer

Thinking of applying for a Citibank credit card? Don’t procrastinate because the best time is now! Apply and get approved for any Citibank credit card through Moneymax and get FREE GrabPay credits worth P2,000. This promo is exclusive from Moneymax and is valid to new Citibank customers only. To qualify, your Citibank credit card application must be made through the Moneymax website. Promo runs from August 7 to August 31, 2020. Per DTI-FTEB Permit No. 103182, Series of 2020. You may review the full Terms and Conditions here. Choose the right Citibank Credit Card for you CITI CREDIT CARDS FEATURES & BENEFITS CITI SIMPLICITY + Monthly income requirement: PHP 20,833 No annual fees forever! No late payment and overlimit fees Interest rate: 3.50% CITI REWARDS CARD Monthly income requirement: PHP 20,833 3x points on shopping and dining transactions Non-expiring points! Use anytime, anywhere. 0% interest with Citi Paylite Interest rate: 3.50% CITI CASH BACK CARD Monthly income requirement: PHP 20,833 Up to 6% cash back on all purchases Save as much as P12,000 per year 0% interest with Citi Paylite Interest rate: 3.50% CITI PREMIERMILES Monthly income requirement: PHP 30,000 Earn 1 PremierMile for every PHP 30 spend Free travel insurance coverage Interest rate: 3.50% CITI PRESTIGE CARD Monthly income requirement: PHP 83,333 Earn 5x rewards points on shopping and dining Unlimited access to VIP airport lounges Interest rate: 3.50% SHELL CITI CARD Monthly income requirement: PHP 20,833 5% rebate on Shell fuel purchases 5% rebate on car repairs and accessories Save as much as PHP 10,000 per year Interest…

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Grab These Exciting Citibank Credit Card Promo Offers in 2020

Good news for Citi credit cardholders out there: You’re treated to plenty of exciting Citibank credit card promo offers before 2020 ends. From exclusive discounts to special rebates, owning a Citi credit card has never been this fun. So what are you waiting for? Browse through the available Citi credit card promos. Better yet, check out our curated list of the best Citibank credit card promos and take your pick! Table of ContentsCitibank Credit Card Promo Offers for New CardholdersMoneymax x Citibank GCash PromoCiti Rewards Card Welcome OffersCiti Cash Back Card Welcome OffersCiti PremierMiles Card Welcome OffersCiti Grab Credit Card Welcome OffersCitibank Credit Card Promo Offers for DiningCitibank Bistro Promo of 50% Off Every Saturday25% Off at Black Canyon Coffee15% Off at FigaroCitibank Credit Card Promo Offers for Shopping10% Off Every Friday at Lazada30% off Every Saturday at ZALORAUp to 20% off on farm fresh produce at MayaniUp to 30% off on shipping fees at ShippingCartFinal Thoughts Citibank Credit Card Promo Offers for New Cardholders Moneymax x Citibank GCash Promo Apply for any Citibank credit card through Moneymax and get GCash worth PHP 2,000. Promo runs from October 15 to October 31, 2020 only, so hurry and apply today! You can use your GCash to buy load, pay bills, shop online, and even withdraw it as cash. Gift is exclusively from Moneymax. For full promo Terms and Conditions, click here. Citi Rewards Card Welcome Offers Promo Period: Now until October 31, 2020 Looking for a rewards credit card but don’t want to pay annual fees? Then you should apply for…

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14 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 everyone’s in a collective pause. In that case, you definitely need to keep or get an air miles credit card. Finding the right one is easier now more than ever. Compare your options from this diverse list. Table of ContentsWhich Air Miles Credit Card is Perfect For You?AUB 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 InfiniteUnionBank Cebu Pacific GetGo PlatinumUnionBank Miles+ Platinum VisaHow Do I Redeem My Air Miles?How Do I Choose Best Credit Cards to Earn Miles?Final Thoughts Which Air Miles Credit Card is Perfect For You? AUB Platinum Mastercard How to earn air miles: 1 Mabuhay Mile per PHP 33 spent Annual fee: Free for life Interest rate: 2.70% 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 air miles: 1 Delta SkyMiles mile per PHP 45 spent Annual fee: PHP 5,000 (waived for the first year) Interest rate: 3.50% Other Travel Perks: Earn 2x miles…

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Moneymax Reviews: AUB Mastercard – Go Easy or Go Classic?

Welcome back to another edition of Moneymax Reviews! This week, we’re doubling the savings and doubling the fun. Because for the first time ever, we’re pitting two credit cards against each other to see which one’s the right choice in this AUB credit card review. In the red corner, we have the AUB Easy Mastercard and in the blue corner, we have the AUB Classic Mastercard. Which of these affordable credit card options from Asia United Bank works best with your lifestyle? Let’s take an in-depth look at these competing AUB credit cards. Table of ContentsAUB Easy and Classic Mastercard Terms and ConditionsAUB Easy and Classic Mastercard Key FeaturesWhat’s So Great About the AUB Easy Mastercard?Why Should I Consider an AUB Classic Mastercard?What Perks Can I Enjoy with My AUB Mastercard?AUB Easy and Classic Mastercard AlternativesFinal Thoughts AUB Easy and Classic Mastercard Terms and Conditions Before we start with our AUB credit card review, let’s check out the key features of both cards. On paper, both cards have the same key features that you would mistake one for the other. Nevertheless, these features are quite enticing. AUB Easy and Classic Mastercard Key Features Annual fee: No annual fee for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 21,000 Cash advance fee: None Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower Overlimit fee: None Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees Card replacement fee: PHP 500 Read more: 6 Easy Steps to Applying for an…

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6 Easy Steps to Applying for an AUB Credit Card

AUB credit cards might have caught your interest because of their waived annual fees, and 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. 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 when it comes to 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? Here’s a step-by-step guide to help you easily apply for an AUB credit card in the Philippines. 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 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 lifestyle. Before you apply for an AUB credit card, it’s important to figure out which one is the best match for you. This…

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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 are not that hard to find. In fact, most banks offer generous cashback credit cards to shoppers looking to maximize their purchases. And 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. As the third installment of Moneymax Reviews, we bring you Citibank’s own rebate generator. Find out more in this Citi Cash Back Card review. Table of ContentsCiti Cash Back Card Terms and ConditionsCiti Cash Back Card FeaturesHow Much Rebate Will I Receive Monthly?What Perks Can I Enjoy with My Citi Cash Back Card?Citi Cash Back Card AlternativesFinal Thoughts Citi Cash Back Card Terms and Conditions 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? Citi Cash Back Card Features Annual fee: PHP 3,500 for principal cardholders (free for the first year) PHP 1,750 for supplementary cardholders (free for the first year) Interest rate: 3.50% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 500 per withdrawal or 3%…

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Best Credit Cards for Grocery Shopping in the Philippines

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 best credit cards 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 the best credit cards for grocery shopping in the Philippines. Table of ContentsBest Credit Cards with Cash Back for Grocery ShoppingCiti Cash Back VisaSecurity Bank Complete Cashback MastercardEastWest EveryDay Titanium MastercardRCBC Bankard Landmark Anson’s MastercardRobinsons Cashback Credit CardUnionBank Gold MastercardBest Credit Cards with Grocery RewardsHSBC Red MastercardCiti Rewards MastercardRCBC Bankard Flex Gold VisaMercury Drug CitiBDO ShopMore MastercardBest No Annual Fee Credit Cards for GroceriesAUB Easy MastercardEastWest Platinum MastercardCiti Simplicity+PNB Ze-Lo MastercardBest Credit Cards for Groceries in the PhilippinesHow to Use a Credit Card in Grocery StoresFinal ThoughtsDiscover other top credit cards in the Philippines: Best Credit Cards with Cash Back for Grocery Shopping 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 cardholders) Citibank offers the highest rebate rate on grocery purchases…

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HSBC Credit Card Application: A 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. HSBC issue five types of credit cards that cater to different lifestyles and needs. All HSBC credit cards come with an attractive reward program, a 0% installment plan, fuel rebates, and other exclusive deals. Already got a card in mind? Here are the four steps to keep in mind for your HSBC credit card application. Table of ContentsHSBC Credit Card Application Steps1. Check if You’re Qualified for an HSBC Credit Card2. Get All Your Supporting Documents Ready3. Decide Which HSBC Credit Card to Apply For4. File Your HSBC Credit Card ApplicationFinal Thoughts HSBC Credit Card Application Steps 1. Check if You’re Qualified for an HSBC Credit Card Make sure that you’re eligible to apply for an HSBC credit card—this is the first and most important step in the entire application process. You can apply for one of HSBC credit cards if you meet all these requirements: Between 18 and 70 years old A gross annual income of at least P200,000 (for Red Mastercard and Gold Visa Cash Back) or P500,000 (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. Get All Your Supporting Documents Ready HSBC will process your credit card application only…

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Credit Card Promos for Online Shopping and Dining in 2020

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 2020 that offer discounts, rebates, freebies, and other rewarding perks for cardholders in the Philippines. Table of ContentsWelcome Gifts for New Credit Cardholders in 2020Citibank No Annual Fee Forever and Other PerksP2,500 Cash RebateCredit Card Promos 2020 for Online Shopping10% Off on Your Lazada Purchase Every FridayP500 Off Your Gadget Purchase at Poundit.com10% Rebate at MyKuya10% Off at Pet WarehouseUp to 4x Rewards Points on Your Essentials Spend4% Cashback on All Online and In-Store PurchasesUp to 18% Off at ZALORA20% Off at 123baby10% Off at CalyxtaCredit Card Promos 2020 for Dining2 Yellow Cab Pizzas for Only P44910% Off at Tokyo Bubble Tea and GringoFinal Thoughts Welcome Gifts for New Credit Cardholders in 2020 Citibank No Annual Fee Forever and Other Perks Eligible card: All Citibank credit cards (except for Citi Grab Card and Simplicity+ Mastercard) Promo period: Until July 31, 2020 Citibank has upped its welcome rewards for new cardholders this 2020. Depending on the Citi credit card you apply for within the promo period (and eventually get approved for), you may receive free rewards points, air miles, eGifts, or rebates. Or you can save money with the No Annual Fee Forever promo for Citi Rewards new cardholders. New Citi cardholders get rewarded with the following freebies when they meet the minimum spend requirement of PHP 20,000 or PHP 40,000 (depending on the card) within 60 days from the card receipt date: Prestige – 120,000 rewards points…

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Moneymax Reviews: Keeping it Simple with a Citi Simplicity Card

You’ll never forget your first credit card. It’s the first taste of financial freedom, after all. No need to pay cash whenever you’re out. Just swipe away and boom, your needs are met. That’s why it’s important to keep the search for your first credit card hassle-free. You can’t just take whatever’s nearest. Sometimes, things just need to be simple. Enter Citi Simplicity Card. Your friends and colleagues have probably recommended this card to you countless times. Because whether it’s your first time applying for one or you just need an extra card that’s easy to acquire, this little card that will not disappoint. Need more proof? Check out this Citi Simplicity Card review. Table of ContentsCiti Simplicity Card Terms and ConditionsCiti Simplicity Card FeaturesWhy Should I Apply for a Citi Simplicity Card?What Perks Can I Enjoy with My Citi Simplicity Card?Citi Simplicity Card AlternativesFinal Thoughts Citi Simplicity Card Terms and Conditions Getting to know your credit card is one important step in choosing one, and this includes studying its terms and conditions. Check out Citi Simplicity Card’s key features below. Citi Simplicity Card Features Annual fee: No annual fees for life! Interest rate: 3.50% Minimum monthly income requirement: PHP 15,000 (for existing credit cardholders) PHP 20,833.33 (for new cardholders) Cash advance fee: PHP 500 per withdrawal or 3% of amount Monthly minimum due: PHP 500 or 1% of amount due Late payment fee: None Overlimit fee: None Foreigh transaction fee: 3.525% of amount Card replacement fee: PHP 400 Read more: Applying for a Credit Card? Prepare These Credit Card Requirements…

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