Rewards Worth Up to ₱3,699 – with BPI Credit Cards -
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Compare the Top Credit Cards in the Philippines 2026 | Choose the Right One for Your Lifestyle and Needs
Updated: May 15, 2026
Every Filipino’s financial journey is different — and so is the right card for you. By exploring and comparing the top credit cards in the Philippines, you can discover one that grows with your goals — whether it’s earning rewards, saving on fees, or building credit for the future. Make every swipe count toward smarter choices and lifelong financial confidence.
Compare the best credit cards in the Philippines — whether you’re after cashback, rewards, travel perks, or no annual fees — all in one place. See which cards fit your lifestyle, spending habits, and financial goals, then apply online in minutes.
Bank Logo | Product Name | 🔥 Hot Reward Pick | Earn Rate & Perks | Min. Annual Income | Ideal For | |
|---|---|---|---|---|---|---|
 | UnionBank U Visa Platinum | 10% Cashback | ₱180,000 | On Time Payers | ||
 | UnionBank Rewards Credit Card | 3 points / ₱30 | ₱180,000 | Shopping and Dining | ||
 | Metrobank Titanium Mastercard | 2 points / ₱20 | ₱180,000 | Everyday Shopper | ||
 | RCBC JCB Platinum | - | 1 point per ₱25 | ₱1,000,000 | Points Earners | |
 | BPI Rewards Card | 1 point / ₱35 | ₱180,000 | Points Seekers | ||
 | Metrobank Platinum Mastercard® | 1 point / ₱20 | ₱700,000 | Foodies Perks | ||
 | RCBC Visa Platinum | - | 1 airmile / ₱25 | ₱1,000,000 | Premium Travelers | |
 | BPI Amore Cashback Card | 4% Cashback | ₱180,000 | Grocery Shoppers | ||
 | UnionBank Cash Back Visa Platinum | 6% Cashback
| ₱180,000 | Grocery-Heavy Shoppers | ||
 | BPI Petron Card | 3% Petrol Cashback | ₱180,000 | Petron-loyal Motorists | ||
 | Metrobank World Mastercard | 3 points / ₱20 | ₱1,500,000 | Frequent Flyers | ||
 | RCBC AirAsia Platinum Credit Card | - | 2 points / ₱25 | ₱1,000,000 | AirAsia Flyers | |
 | Metrobank Cashback Visa | - | 5% Cashback | ₱180,000 | Everyday Essential Shopper | |
 | RCBC Flex Visa | - | 2 points / ₱50 | ₱250,000 | Rewards Seekers | |
 | RCBC Flex Gold Visa | - | 2 points / ₱50 | ₱500,000 | Rewards Seekers | |
 | UnionBank Miles+ Visa Signature | 1 UB mile / ₱30 | ₱360,000 | Miles Seeker | ||
 | UnionBank Shell Power Visa Platinum | 5% Shell Cashback | ₱180,000 | Ideal for: car owners and Shell station frequenters | ||
 | UnionBank Platinum Mastercard | 1% Cashback | ₱600,000 | - | ||
 | RCBC Visa Infinite | - | 5 points / ₱30 | ₱2,000,000 | High Spenders | |
 | BPI Amore Platinum Cashback Card | 4% Cashback | ₱1,000,000 | Restaurant-Goers | ||
 | BPI Gold Rewards Card | 1 point / ₱35 | ₱480,000 | Rewards Seekers | ||
 | BPI Platinum Rewards Card | 2 BPI Points / ₱20 | ₱1,000,000 | Lounge Access and Airmiles | ||
 | BPI Visa Signature Card | 1 point / ₱20 | ₱1,200,000 | Low Value Forex | ||
 | RCBC Gold Mastercard | - | 1 point / ₱36
| ₱500,000 | - | |
 | RCBC Black Card Platinum Mastercard | - | 5 points / ₱30 | ₱1,000,000 | Travel Rewards Seekers | |
 | RCBC JCB Classic | - | 1 point / ₱36 | ₱250,000 | - | |
 | RCBC Classic Mastercard | - | 1 point / ₱36 | ₱250,000 | - | |
 | RCBC World Mastercard | - | 1 point / ₱10 | ₱2,000,000 | - | |
 | UnionBank Cebu Pacific Gold | 1 point / ₱100 | ₱360,000 | Frequent Cebu Pacific Flyers | ||
 | UnionBank Cebu Pacific Platinum | 1 point / ₱100 | ₱600,000 | Frequent Cebu Pacific Travelers | ||
 | Security Bank Gold Mastercard | - | 1 BetterBanking point / ₱20 | ₱360,000 | Daily Spend Reward | |
 | Security Bank World Mastercard | - | 3 BetterBanking point / ₱20 | ₱3,000,000 | Frequent Traveler | |
 | Security Bank Platinum Mastercard | - | 2 BetterBanking point / ₱20 | ₱780,000 | Travel Insurance + Lounge | |
 | HSBC Live+ Credit Card | - | 8% Cashback
| ₱400,000 | Dining & Entertainment Lovers | |
 | HSBC Red Platinum Mastercard | - | 4 points / ₱20 | ₱400,000 | Online & Overseas Spenders | |
 | Metrobank Travel Signature Visa | - | 1 mile / ₱30 | ₱700,000 | Frequent Travelers | |
 | Metrobank Rewards Plus Visa | - | 2 points / ₱20 | ₱180,000 | Points Earners |
Don’t miss out on these great deals:
🔥 Forward to Bigger Rewards with BPI & Gifts! 🔥
Apply for a BPI credit card and get a welcome gift worth up to ₱3,699! Choose from a JisuLife fan, Anker powerbank, a Xiaomi smart band, or ₱2,000 cash credit.
Apply by Jul 31, 2026 to claim your reward
Participating Products:
BPI Amore Cashback Card
:
For Ayala Malls Shoppers
BPI Rewards Card
:
For Points Seekers
BPI Petron Card
:
For Petron-loyal Motorists
BPI Amore Platinum Cashback Card
:
For Restaurant-Goers
BPI Gold Rewards Card
:
For Rewards Seekers
BPI Platinum Rewards Card
:
For Lounge Access and Airmiles
BPI Visa Signature Card
:
For Low Value Forex
How to Qualify?
Follow these simple steps to claim your exclusive gift:
- Apply via Moneymax: Register your interest and submit your application for an eligible BPI credit card on the Moneymax website between June 1, 2026 and July 31, 2026
- Get Approved: Ensure you are a new-to-BPI applicant with at least 12 months of credit card history elsewhere and that BPI approves your application with complete documents. Provide proof of approval via SMS screenshot.
- Choose Your Gift: Select one (1) of the following rewards:
- eGift Cash Credit worth PHP 2,000
- JisuLife Ultra 1 worth PHP 3,699
- Anker Zolo Powerbank worth PHP 2,395
- Xiaomi Mi Band 10 worth PHP 2,499 - Receive Your Gift:
- Physical Items: You will receive a confirmation email within 12 weeks of your application. Delivery is estimated 12-15 weeks after that confirmation.
- eGifts: The ₱2,000 cash credit will be sent directly to your email without a confirmation email.
Terms and Conditions apply.
Apply by Jul 31, 2026 to claim your reward
Annual Fee
No Annual FeeMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 6 premium rewards
- 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
- No Annual Fee
- Nice card face
- Good for beginners
- Insurance payment rebate
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: No Annual Fee
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Dining Spend Local/Overseas
3 reward pointsRewards - Base Rate
1 point per ₱30Rewards - Retail Spend
3 reward pointsAnnual Fee
₱ ₱
(No Annual Fee)Apply through Moneymax and choose from 6 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- 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.
- No annual fee
- Free reward points
- Accelerated rewards
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱ (No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Online Spend
2 reward pointsRewards - Base Rate
1 point per ₱20Rewards - Department Store Spend
2 reward pointsRewards - Dining Spend
2 reward pointsApply through Moneymax and choose from 4 premium rewards
- 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
- No annual fee
- Dining points
- Free reward points
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: No Annual Fee - limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards Points Baseline
1 point per ₱25Annual Fee
₱ ₱
0 (No Annual Fee)Min. Annual Income
₱ ₱
1,000,000Interest Rate
3 %- Earn reward points for as low as ₱25 per spend.
- Access to world-class travel benefits and offers.
- Free travel insurance of up to ₱1 million for every trip.
- Free access to the Marhaba/Skyview Airport Lounge.
- Ideal for: frequent travelers locally and internationally.
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱35Annual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Min. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
- Free reward points
- Travel insurance
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Dining Spend
Up to 50 %Rewards - Base Rate
1 point per ₱20Annual Fee
₱ ₱
5,000Min. Annual Income
₱ ₱
700,000Apply through Moneymax and choose from 4 premium rewards
- 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
- No Annual Fee
- Free reward points
- Dining discount
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱5,000
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱700,000
Minimum Age: 21 years old
Airmiles - Overseas Spend
₱ ₱
25 per mileAirmiles - Local Spend
₱ ₱
48 per mileAnnual Fee
₱ ₱
(No Annual Fee)Min. Annual income
₱ ₱
1,000,000- Earn one (1) Preferred Air Mile for as low as ₱25 per spend.
- Up to 100% temporary increase in credit limit during travel period.
- Free travel insurance up to ₱5 million and other travel perks.
- Get complimentary Priority Pass membership worldwide.
- Ideal for: VIP travelers and premium seekers.
- Bonus air miles
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱ (No Annual Fee)
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Cashback Supermarket
4 %Cashback Base Rate
0.3 %Cashback Drugstore
1 %Annual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Get up to 4% cash back on supermarkets and department store spend
- Get up to 1% cash back on drugstore and bills payment spend
- Earn up to 0.3% cash back on all other local retail spend
- Enjoy unlimited access exclusive customer and family lounges in Ayala Malls
- One of the lowest forex conversion rates at 1.85%
- Ideal for: cardholders who love saving while shopping
- No-brainer rebate
- Supermarket rebate
- Installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Supermarket
Up to 6 %Cashback Base Rate
0.2 %Cashback Groceries
3 % cashbackCashback Utilities
Up to 2 %Apply through Moneymax and choose from 6 premium rewards
- 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
- Supermarket rebate
- Exclusive discounts
- Good for beginners
- Rebate cap applied
Repayment Details
Interest on Cash Advance: 3.04 %
Minimum Payment: ₱500
Fees
Annual Fee: ₱4,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Petrol
3 %Annual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Min. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 3% rebate on fuel (maximum of ₱15,000 per year)
- Free ₱200 fuel voucher for first-time cardholders
- Avail of flexible and convenient installment plans
- Convert your credit limit to cash for emergencies
- Ideal for: car owners traversing the road every day
- No-brainer rebate
- Petrol rebate
- No Annual Fee
- Rebate cap applied
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Overseas Spend
2 reward pointsRewards - Base Rate
1 point per ₱20Rewards - Dining Spend
Up to 50 %Annual Fee
₱ ₱
6,000Apply through Moneymax and choose from 4 premium rewards
- Get 2x reward points for international purchases
- Earn 1 reward point for every ₱20 spend
- Enjoy up to 50% off on luxury dining deals
- Ideal for: frequent travelers and premium perk seekers
- No Annual Fee
- Free reward points
- Fine dining
- High income requirement
Repayment Details
Minimum Amount Due: 5 %
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱6,000
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,500,000
Minimum Age: 18 years old
Rewards Points - Local
2 AirAsia points for every ₱25 spend at AirAsiaRewards Points - Baseline
1 AirAsia point for as low as ₱22 spendAnnual Fee
₱ ₱
0 (No Annual Fee)Min. Annual Income
₱ ₱
1,000,000- Earn AirAsia Points faster — 2 points for every ₱25 purchase at AirAsia, and 1 point for every ₱22 overseas or ₱28 local spend.
- Extra low FX conversion fee of only 1.85% on international purchases
- Automatic AirAsia Platinum membership with priority check-in, boarding, and baggage.
- Get 500 AirAsia Monthly* Bonus Points for an accumulated retail spend anywhere of at least ₱50,000 each month.
- Unlimited free access to PAGSS International Lounge at NAIA Terminal 1
- Free travel insurance coverage up to ₱5 Million.
- Flexible payment options like Unli Installment, UnliPay, Easyterms (0% installment), Balance Transfer, and Balance Conversion.
- Earn AirAsia Points faster
- Extra-low FX fee
- Perfect for frequent traveler
- Flexible payment
Repayment Details
Interest Rate: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rebate – Grocery & Telecom Spend
Up to 5 %Rebate (Baseline)
0.2 %Rebate – School & Bookstore Spend
Up to 5 %Annual Fee
₱ ₱
3,500- Get up to 5% rebate on groceries, telecom, school & bookstore spend.
- Enjoy exclusive features and offers from Metrobank
- Enjoy exclusive credit card features from Metrobank
- Ideal for practical spenders who prioritize everyday essentials and long term financial goals
- No annual fee
- Dining points
- Free reward points
- To unlock the 5% rebate, a minimum monthly spend of ₱12,000 on other categories is required; otherwise, a 0.2% rebate will apply.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 3 %
Fees
Annual Fee: ₱3,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards Points Dining
2 point per ₱50Rewards Points Baseline
1 point per ₱125Rewards Points Transport
2 point per ₱50Rewards Points Travel
2 point per ₱50- Earn 2x rewards points on two preferred categories
- Change your preferred categories once every billing cycle
- Exchange your rewards points for shopping vouchers or redeem as cash rebates
- With free travel insurance (Travel Plus Lite) and purchase protection
- Get access to the Marhaba/Skyview Airport Lounge
- Ideal for: shoppers who want financial flexibility
- Dining points
- Shopping points
- Travel insurance
- Airport lounge
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Rewards - Department Store Spend
2 point per ₱50Rewards - Base Rate
1 point per ₱50Rewards - Travel Spend
2 point per ₱50Rewards - Fuel Spend
2 point per ₱125- Earn 2x rewards points on three preferred categories.
- Change your preferred categories once every billing cycle.
- Exchange your rewards points for shopping vouchers or redeem as cash rebates.
- With free travel insurance (Travel Plus Lite) and purchase protection.
- Get access to the Marhaba/Skyview Airport Lounge.
- Ideal for: millennials who are leveling up in life.
- Airport lounge
- Travel insurance
- Free reward points
- High income requirement
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Rewards Points Baseline
1 rewards pointAnnual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 6 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
- No expiry miles
- Travel insurance
- Airport lounge
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Cashback Petrol
5 %Annual Fee
₱ ₱
2,800 per yearMin. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 6 premium rewards
- 5% rebate on Shell fuel spend
- 5% rebate on RFID load purchases
- 5% rebate on auto repairs, accessories, and services
- 10% discount at Shell Helix Oil Change packages
- Access to 24/7 roadside assistance
- Ideal for: car owners and Shell station frequenters
- Generous rebates
- Exclusive discounts
- Ideal for car owners
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱2,800 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Min. Annual Income
₱ ₱
600,000Interest Rate
3 %Annual Fee
₱ ₱
3,000 per yearApply through Moneymax and choose from 6 premium rewards
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
- No-brainer rebate
- Overseas rebate
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Rewards Overseas In-Store/Online
5 points per ₱30Rewards - Base Rate
1 point per ₱30Rewards Local Online
1 points per ₱30Rewards Petrol
1 points per ₱30- Earn reward points for as low as ₱36 per spend.
- Get 5% rebate at any local or international clothing shops.
- Free travel insurance up to ₱1 million along with other travel perks.
- Free-for-life supplementary cards for up to nine cardholders.
- Ideal for: cardholders who love to shop and travel.
- No-brainer rebate
- Retail rebate
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱0 No Annual Fee for Life—limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Cashback Online Food Delivery
4 %Cashback Dining
4 %Cashback Department Store
1 %Apply through Moneymax and choose from 4 premium rewards
- Get 4% cash back on dining and online delivery spend.
- Get 1% cash back on supermarkets and department store spend.
- Earn up to 0.3% cash back on other international and local retail spend.
- Enjoy exclusive perks and deals at any Ayala Malls nationwide.
- One of the lowest forex conversion rates at 1.85%.
- Ideal for: cardholders who love to shop in-store and online.
- No-brainer rebate
- Dining rebate
- Food delivery
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱35Annual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Min. Annual income
₱ ₱
480,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance up to ₱10 million
- Enjoy a whole roster of discounts all year round
- Ideal for: cardholders looking for premium perks
- Shopping points
- Travel insurance
- Insurance installment
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱480,000
Minimum Age: 21 years old
Rewards - Overseas Spend
2 BPI Points per ₱20 spendRewards - Local Spend
2 BPI Points per ₱30 spendAnnual Fee
₱ ₱
0 (No Annual Fee with Yearly Spend Requirement)Min. Annual income
₱ ₱
1,000,000Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 2 BPI points for every ₱30 local spend.
- Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
- Convert straight payments on airfares to installment with 0% interest.
- Get up to ₱10 million free travel insurance.
- Get up to 180 days of purchase protection insurance.
- Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.
- Ideal for: frequent travelers looking for premium perks.
- Free reward points
- Online shopping points
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱0 (No Annual Fee with Yearly Spend Requirement)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱20Annual Fee
₱ ₱
5,500Min. Annual income
₱ ₱
1,200,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 2 BPI points for every ₱20 spend.
- Get up to ₱20 million free travel accident and inconvenience benefit.
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.
- Ideal for: savvy shoppers and frequent travelers
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,500
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,200,000
Minimum Age: 21 years old
Rewards - Department Store Spend
1 point per ₱125Rewards - Base Rate
1 point per ₱36Rewards - Grocery Spend
1 point per ₱125Rewards - Fuel Spend
1 point per ₱125- Earn reward points for as low as ₱36 per spend.
- Exchange your points to air miles and other rewards.
- Free travel insurance and purchase protection for every travel.
- Access free budget monitoring tools to help organize your finances.
- Ideal for: money-savvy cardholders and frequent flyers.
- Free reward points
- Travel insurance
- High income requirement
- Credit card required
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Rewards - Overseas Spend
5 point per ₱30Rewards - Base Rate
1 point per ₱30Rewards - Online Shopping
3 point per ₱30Annual Fee
₱ ₱
0 No Annual Fee for Life—limited-time offer!- Non-expiring reward points.
- Free Travel Insurance up to ₱1,000,000.
- Free Purchase Protection up to P50,000.
- Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.
- 0% installment for your purchases abroad.
- Shopping points
- Online shopping points
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱0 No Annual Fee for Life—limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 65 years old
Rewards Points Grocery
1 point per ₱125Rewards Points Baseline
1 point per ₱36Rewards Points Petrol
1 point per ₱125Annual Fee
₱ ₱
1,500 per year- Earn one (1) reward point for every ₱36 spend
- Earn one (1) reward point for every ₱125 supermarket, drugstore, or gas station spend
- Free travel insurance and purchase protection up to ₱50,000
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and first-time cardholders
- Free reward points
- Travel insurance
- Exclusive discounts
- Good for beginners
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Rewards Points Baseline
1 point per ₱36Annual Fee
₱ ₱
1,500 per yearMin. Annual income
₱ ₱
250,000Interest Rate
3 %- Earn reward points for as low as ₱36 per spend
- Convert your points to air miles and other rewards
- Free travel insurance and purchase protection
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and frequent flyers
- Free reward points
- Travel insurance
- Exclusive discounts
- Good for beginners
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Rewards - Overseas Spend
1 point per ₱10Rewards - Base Rate
1 point per ₱30Annual Fee
₱ ₱
3,600 per yearMin. Annual income
₱ ₱
2,000,000- Earn reward points for as low as ₱36 per spend.
- Enjoy exclusive deals with Mastercard Moments.
- Free travel insurance and purchase protection.
- Free supplementary cards up to nine cardholders.
- Ideal for: shopaholics and travel enthusiasts.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
3,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 6 premium rewards
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
- Travel points
- Nice card face
- Exclusive discounts
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
600,000Interest Rate
3 %Apply through Moneymax and choose from 6 premium rewards
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
- Travel points
- Travel insurance
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Rewards Points Baseline
1 point per ₱20Annual Fee
₱ ₱
2,500 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %- Free annual fee for the first year
- Earn one (1) reward point for every ₱20 spend
- Secure online shopping with SecureCode
- Enjoy exclusive rewards and promos all year round
- Ideal for: reward seekers and frequent online shoppers
- Free rewards points
- No Annual Fee
- Nice card face
Repayment Details
Minimum Payment: ₱500
Fees
Annual Fee: ₱2,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Rewards - Base Rate
3 point per ₱20Annual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
3,000,000Interest Rate
3 %- Waived annual fee on the first year.
- Earn 3x points for every ₱20 spend.
- Membership to more than 1,000 lounges in over 500 airports worldwide.
- Free travel insurance coverage up to ₱10 million.
- Dining, spa, and retail offers from select exclusive airport merchants.
- Ideal for: travel aficionados who want more travel perks.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
Repayment Details
Minimum Amount Due : ₱500
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱3,000,000
Minimum Age: 21 years old
Rewards - Base Rate
2 points per ₱20Annual Fee
₱ ₱
4,000 per yearMin. Annual income
₱ ₱
780,000Interest Rate
3 %- Earn 2 reward points for every ₱20 spend.
- Free travel insurance up to ₱10 million.
- Free online purchase protection up to $200.
- Access to 1,000 airport lounges worldwide.
- Ideal for: frequent travelers and international shoppers.
- Travel insurance
- Airport lounge
- Shopping points
- High income requirement
Repayment Details
Minimum Amount Due: ₱500
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱780,000
Minimum Age: 21 years old
Cashback Dining
8 %Cashback Baseline
0.2 %Cashback Entertainment
5 %Cashback Supermarket
5 %- Up to 8% cashback on all dining spend
- Up to 5% cashback on shopping spend
- Up to 5% cashback on entertainment spend
- Ideal for: outgoing individuals craving for fun experiences
- Generous cashback on all dining spend
- Exciting cashback rates for fun
- Exclusive deals in Southeast Asian countries
- Credit card required
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Rewards - Overseas Spend
4 points per ₱20Rewards - Base Rate
1 point per ₱20Rewards - Retail Spend
4 points per ₱20Rewards - Dining Spend
4 points per ₱20- 4x reward points on online, shopping, dining, and overseas spend
- Earn 1 reward point for every ₱20 spend
- 6% rebate on your first Caltex fuel spend; 3% rebate year-round
- Ideal for: online shopping and dining worldwide
- Accelerated rewards
- Shopping points
- Dining points
- Credit card required
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱2,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Rewards Points Baseline
1 mile per ₱30Airport Lounge Access
Unlimited*Annual Fee
₱ ₱
5,500Min. Annual Income
₱ ₱
700,000- Earn 1 mile for every ₱30 spend
- Unlimited local lounge access
- 1.68% Low Forex Fee
- 24/7 access to Worldwide Visa Concierge
- No annual fee for your first supplementary card
- Ideal for ambitious individuals and seasoned travelers who view travel as an essential part of their lifestyle
- Low forex fees
- Unlimited lounge access
- Faster accumulation of miles
- 1.68% Low forex fee is valid until November 19, 2025. Regular rate of 1.7%
Repayment Details
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱5,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱700,000
Minimum Age: 21 years old
Rewards Points - Online Shopping
2 points per ₱20Rewards Points Baseline
1 point per ₱20Rewards Points Retail
2 points per ₱20- Earn 2x Rewards Points (₱10 = 1 Rewards Point) on all online, electronics, gadgets, and mobile & internet purchases.
- Earn 1 Rewards Point for every ₱20 spent on all other purchases.
- Enjoy exclusive features and offers from Metrobank.
- Ideal for career-driven individuals who want to get rewarded for their spend.
- No annual fee
- Dining points
- Free reward points
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Frequently Asked Questions (FAQs)
One to two cards are ideal at the start; add more only if you can manage them responsibly.
Annual fees, late payment fees, over-limit charges, and foreign transaction fees. Some cards offer fee waivers—check terms.
Yes, but review for pro-rated annual fees or penalties. Redeem rewards before closing.
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.
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.