Credit Cards • Philippines

Find the Best Credit Card for Your Lifestyle

Looking for the best credit card in the Philippines? Moneymax helps you compare features, perks, and promos side-by-side. Whether you want a no-annual-fee card, maximum cashback, travel rewards, fuel savings, or your very first card, you’ll find a match in minutes.

Updated for 2025 • Offers subject to Moneymax and bank terms & conditions

Why Should You Compare Credit Cards?

Picking the right card helps you save more and maximize rewards. Our comparison tool lets you filter cards based on:

• Annual fees, waiver options, and eligibility requirements
• Cashback rates, rewards points, and miles earn
• Exclusive welcome gifts and promos
• Supplementary benefits such as travel insurance, lounge access, and fuel rebates

Top Credit Cards in the Philippines (2025): Highlights

Quick snapshots for each featured card—who it’s best for and three standout perks.

UnionBank Rewards Credit Card

Shop & dine points machine 3× points on select spend ₱30 = 1 pt (base) Flexible redemptions

UnionBank Cash Back Visa Platinum

Grocery-max household cashback Up to 6% groceries 2% Meralco via UB Online No min. spend

UnionBank U Visa Platinum

Fee-free, stress-free spender No annual fees for life No late/overlimit fees Interest rebate for on-time pay

UnionBank Miles+ Visa Signature

Miles chaser with lounge perks 1 mile/₱30 (base) Airport lounge access Travel insurance

UnionBank Shell Power Visa Platinum

Shell-loyal motorists Fuel rebates at Shell Toll & auto-service perks Roadside assistance

Metrobank Titanium Mastercard®

Daily spend points boost 2× points: online & dining ₱20 = 1 pt (base) Waiver with annual spend

Metrobank Platinum Mastercard®

Diners’ deals & protection Up to 50% dining deals e-Commerce protection Free 1st supplementary

Metrobank World Mastercard®

Lounge-loving jetsetters Global lounge access Unlimited local lounges Premium dining & travel offers

RCBC Flex Visa

Choose your bonus categories 2× points on 2 picks Easy category switching Travel insurance

RCBC Flex Gold Visa

Triple-category earner 2× points on 3 picks Miles / eGC / cash credit Purchase protection

RCBC Visa Platinum

Premium travel with lounges Priority Pass membership Unlimited local lounge (PAGSS) Great overseas earn

RCBC Visa Infinite

High-spend multipliers & concierge Up to 5× points Infinite concierge Travel & e-com protection

HSBC Red Platinum Mastercard

Online & overseas accelerator 4× bonus points ₱20 = 1 pt (base) Caltex fuel rebates

HSBC Live+ Credit Card

Dining & lifestyle cashback star High dining cashback Shopping & entertainment Travel insurance coverage

BPI Rewards Card

Simple earn, broad redemptions BPI Rewards Points Wide partner ecosystem Easy redemption

BPI Petron Card

Petron fuel saver Fuel rebates at Petron Generous annual cap Cash advance enabled

BPI Amore Cashback Card

Ayala Malls essentials 4% supermarkets 1% drugstores & utilities Ayala Malls lounge access

BPI Amore Platinum Cashback Card

Dining & retail everyday 4% restaurants/food delivery 1% supermarkets & dept. stores 0.3% other spend

BPI Gold Rewards Card

Mid-tier points with perks ₱35 = 1 pt Global acceptance Vybe redemption

BPI Platinum Rewards Card

Lounge access + high points 2 pts/₱30 local 2 pts/₱20 foreign Priority Pass perks

BPI Visa Signature Card

Low forex, premium earn 2 pts/₱20 ~1.85% FX fee Signature dining deals

Security Bank Gold Mastercard

Non-expiring daily points 1 pt/₱20 base Exclusive promos Higher limit tier

Security Bank Platinum Mastercard

Travel perks + double points 2× non-expiring points Airport lounge access Travel insurance

Security Bank World Mastercard

Top-tier lounge & earn ~6 lounge visits/yr 3× non-expiring points Medical coverage on trips

Comparison Snapshot (Editor’s Picks)

Exact rates, caps, and waiver conditions depend on bank-specific terms and current promos. Always review details on the application page before applying.

Common Application Requirements

• Age: Typically 21+ (some banks accept 18+)
• Filipino citizenship or residency
• Proof of income (Payslips, BIR Form 2316 / ITR)
• Valid government-issued IDs and employment details

Credit Card Selection & Approval Tips

• Match your card to where you spend most (groceries, dining, fuel, travel, online).
• Check fee waivers (e.g., first-year free or spend-based waivers) and foreign transaction fees.
• If new to credit, start with beginner-friendly or no-annual-fee cards.
• Pay in full monthly to avoid interest; set up auto-debit or reminders.
• Watch promo caps and qualifying spend windows to fully earn bonuses.

Frequently Asked Questions (FAQs)

How many credit cards should I have?
One to two cards are ideal at the start; add more only if you can manage them responsibly.

What fees should I look out for?
Annual fees, late payment fees, over-limit charges, and foreign transaction fees. Some cards offer fee waivers—check terms.

Can I cancel my card anytime?
Yes, but review for pro-rated annual fees or penalties. Redeem rewards before closing.

Why Choose Moneymax?

• Free comparison tailored to your needs
• Exclusive promos from leading banks
• Transparent application process and expert support
• Comprehensive guides to help you decide better

Ready to find your ideal credit card? Compare and apply now to unlock exclusive offers.