Best Credit Card Offers in the Philippines | Compare & Apply Online
Updated: Sep 24, 2025
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
- Earn 6x Lazada Credits for every ₱200 spent on the app.
- Earn 1 Lazada Credit for purchases made to other merchants.
- Enjoy exclusive discounts from select Lazada merchants.
- Ideal for: online shoppers and frequent Lazada users.
- Earn 2x rewards points on dining, department store, and online purchases
- Earn one (1) point for every ₱20 spend
- Enjoy exclusive credit card features from Metrobank
- Ideal for: money-savvy cardholders shopping for essentials
- Earn 1 reward point for every ₱20 spend
- Up to 50% off on premium dining offers
- eCommerce purchase protection up to $200
- No annual fee for your first supplementary card
- Ideal for: premium dining perk seekers
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)
| Credit Card | Key Benefits |
|---|---|
| UnionBank Rewards Card | 3× points on shopping & dining; base earn ₱30 = 1 point |
| UnionBank Cash Back Visa Platinum | Up to 6% cashback on groceries; 2% Meralco via UB Online; no minimum spend |
| Metrobank Titanium Mastercard® | 2× points on dining & online; base earn ₱20 = 1 point |
| RCBC Flex Visa | 2× points on two selected categories; travel insurance benefit |
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.