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There are many types of credit cards in the Philippines, each with its own features and perks. Here are the most common types of credit cards out there.
  • Rewards Credit Cards offer incentives in the form of exciting rewards. These cards earn you rewards points for every purchase you make with your credit card.
  • Cashback Credit Cards offer rebates as incentive for using your credit card. You can then use your rebates to save money or pay off your credit card balance.
  • Air Mile Credit Cards earns you air miles for every purchase made with your credit card. You can then use air miles to book free flights here and abroad.
  • Travel Credit Cards offer exclusive travel perks aside from earning you air miles. The usual perks include free travel insurance, airport lounge access, and others.
  • Shopping Credit Cards offer discounts and exclusive deals for shopping in-store or online. Usually, these cards are co-branded by popular brands.
  • No Annual Fee Credit Cards are perfect for first-time credit cardholders because these cards don’t require annual fees to use.
To get started, you need to compare and apply first! But before you apply, make sure you meet the minimum criteria for the credit card.
  • At least 21 years old
  • Regular employment status or business venture
  • Filipino citizen or foreigner with local residence

The exact requirements may vary depending on the credit card provider, but here are the most common credit card requirements.

  • Proof of identity (valid IDs like passport, UMID, driver’s license, etc.)
  • Proof of income (certificate of employment, payslips, BIR forms, etc.)
  • Accomplished credit card application form
Yes! As to how to apply for a credit card online, you can apply through the bank’s website or through online comparison platforms like Moneymax. Don’t forget to compare credit card rates, perks, and other features before you send your credit card application.
It depends on the bank you applied from. After submitting your credit card requirements, some banks might take a week or two to process your application. Other banks can be as fast as three to five days, while virtual credit cards like the Metrobank ON Internet Mastercard can be processed in as fast as 48 hours.
Most cardholders use them to pay for products and services such as grocery items, utility bills, and airline tickets. Some cardholders, however, use them to build a good credit score and earn credit card rewards. When getting a credit card, make sure to apply for one that suits your lifestyle and needs so you can use it to your advantage.

The best part about owning a credit card is earning rewards points. When you compare credit card rewards, choose one that will save you money or get you free stuff in the quickest way possible. Here are the best rewards credit cards in the Philippines.

Credit Card

Rewards System

Other Perks

AUB Classic Mastercard 1 Point = PHP 50 No annual fees forever
BPI Edge Mastercard 1 Point = PHP 50 Low forex conversion rates at 1.85%
Citi Rewards Card 1 Point = PHP 30 3x points for shopping and dining
HSBC Red Mastercard 1 Point = PHP 20 4x bonus points on online, shopping, dining
Maybank Gold Visa 1 Point = PHP 25 Maybank EzyPlans for overseas purchases
Metrobank Rewards Plus Visa 1 Point = PHP 20 2x points on electronics, transportation, and online purchases
RCBC Flex Visa 1 Point = PHP 50 2x points on three preferred categories
UnionBank Gold Visa 1 Point = PHP 35 Free life insurance up to PHP 400,000

Most of the time, cashback credit cards are already perfect for shopping since they offer exclusive promos when you shop from partner establishments. Here are the best cashback credit cards in the Philippines.

Credit Card

Rebates Earned

Other Perks

BPI Amore Visa Cashback Up to 4% cashback Exclusive privileges at any Ayala Malls nationwide
Citi Cash Back Card Up to 6% cashback Save as much as PHP 12,000 on purchases every year
HSBC Gold Visa Cash Back Up to 5% cashback Full and automatic cash back crediting
Maybank Platinum Mastercard Up to 1% cashback Low forex conversion at 1.75%
Metrobank Toyota Mastercard Up to 3% cashback 2x rewards points for every PHP 20 spend at any Toyota dealer
RCBC Landmark Anson's Mastercard Up to 5% cashback Earn 1 point for every PHP 50 spend at Landmark and Anson’s
UnionBank Platinum Mastercard Up to 1.5% cashback Free life insurance up to PHP 400,000

Air mile credit cards go hand-in-hand with travel credit cards. If it can earn you air miles, it will probably offer you additional travel perks. So to make your choice easier, here are the best air miles and travel credit cards in the Philippines.

Credit Card

Air Miles Earned

Other Travel Perks

BPI SkyMiles Mastercard 1 Mile = PHP 45 Free travel insurance up to PHP 10 million
Citi PremierMiles Card 1 Mile = PHP 30 Free travel insurance up to PHP 1 million
HSBC Platinum Visa 1 Mile = PHP 30 4x points for every PHP 20 overseas spend
Metrobank Travel Platinum Visa 1 Mile = PHP 17 Free travel insurance up to PHP 5 million
RCBC AirAsia Credit Card 1 Mile = PHP 28 Welcome gift of up to 8,000 BIG Points
UnionBank Cebu Pacific GetGo 1 Mile = PHP 30 Exclusive seat sales with Cebu Pacific and GetGo

It’s not that hard to search for promotions for credit cards in the Philippines. For example, your BPI credit card can easily earn you exclusive discounts and deals at Ayala Malls nationwide. Citibank, on the other hand, often offers promos for shopping and dining. You can also search for credit card promotions for buffet meals, gadget purchase, shopping deals, and other credit card promos.
Apart from the printed monthly statement of account, you can check your credit card bill via online banking, mobile banking, and e-mail. As for the credit card payment, you can pay your credit card balance over the counter, online, or via payment centers like Bayad Center, Cebuana Lhuillier, and SM Bills Payment.

Credit cards come with corresponding fees, but you can avoid some of them when you use your credit card responsibly. Here are the most common fees to remember.

  • Annual Fee - the yearly charge for using your credit card
  • Finance Charge - the interest rate added to your credit card expenses
  • Late Payment Fee - additional charge for late credit card payments
  • Over the Limit Fee - the payment when you max out your credit card
  • Cash Advance Fee - additional charge for taking out a cash advance
Many things could happen if you don't pay your credit card bill. First, you can easily build up credit card debt. When you skip a payment, your unpaid balance will go over to the next billing cycle, which will then include a finance charge and a late payment fee. This can also lead to a bad credit score, which will jeopardize your chances of getting a new credit card. And more importantly, you’ll end up losing your credit card perks.
Banks conduct credit evaluations when deciding an applicant's credit limit. To accurately determine your creditworthiness, banks consider a variety of factors such as your income, credit history, and debt-to-income ratio.
While a higher income raises the chance of getting approved for a credit card, it doesn't mean that low-income earners can't get a credit card too. If you have a low monthly income, apply for a credit card online with the following features: low annual income requirement, zero to low annual fee, and low interest rate.
Just because you were denied for a credit card doesn't mean you can't be approved the next time. To increase your chances of approval, wait at least three months to re-apply. This is to avoid hurting your credit score and also give you enough time to compare credit cards until you find the right one for you.

Credit cards are more than just plastic cards that you swipe when shopping. When used responsibly, a credit card can help you manage your finances. Get a better understanding of how credit cards in the Philippines work in this extensive beginner’s guide.

Are you looking for the best credit card and exploring your choices? When you enter the credit card market for the first time, the many choices can overwhelm you. From the wide array of credit cards out there, how will you pick the right card for you?

Have you ever owned a credit card? If so, how did you know it’s the best credit card for you? Many Filipinos tend to choose a credit card with perks they like instead of considering its long-term benefits. Several swipes and unpaid bills later, they end up regretting their choice. Here’s a guide on how to find the right credit card for you.

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