12 Best Supplementary Credit Cards to Get for Your Loved Ones

Published: August 18, 2020 | Updated: September 15, 2020 | Posted by: Venus Zoleta | Credit Card


Best Supplementary Credit Cards in the Philippines | Moneymax

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

How to Choose the Best Supplementary Credit Cards for Your Family

Best Supplementary Credit Cards - How to Choose

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.

Usually, principal cardholders can get only the same credit card type for their loved ones. Some banks, though, allow their clients to choose from among different cards (other than their own) as a supplementary card.

However, if you’re applying for a new credit card plus supplementary cards to go with it, here are additional features to consider.

3 Features to Look for in a Supplementary Card

1. Waived Annual Fees for Life

Beneficial as they may be, having supplementary cards entails additional costs such as annual fees. Although the typical annual fee for supplementary cards is only half of that of the principal card, it will still add to the cost of your credit card bill. More so if you’ll be paying annual fees for two or more supplementary cards.

The best supplementary credit cards help cardholders save money by waiving annual fees for life on the principal card, the supplementary card, or both.

Related: Credit Cards With No Annual Fee in the Philippines

2. Control Over the Supplementary Credit Card Limit

By default, supplementary cards all share a single credit limit with the primary credit card. This can be a major disadvantage, depending on your supplementary cardholders’ spending habits.

No matter how careful you are with your own card spending, it takes only one reckless, overspending supplementary cardholder to quickly max out your shared credit limit.

If that scenario is very likely in your family, keep your credit card expenses under control by going with a bank that allows you to set your supplementary cardholders’ spending limit during your credit card application.

Take note that Bank of Commerce, BDO, Citibank, and EastWest Bank require a certain minimum amount as the supplementary card credit limit. Consider that when choosing from the best supplementary credit cards.

3. Supplementary Credit Card Benefits

Typically, supplementary cards share the same benefits (such as rewards, cashback, or miles) with the principal credit card. However, there may be certain features that are exclusive to the primary card only. Read the fine print carefully to make sure that all benefits you want will be enjoyed by your supplementary cardholders, too.

12 Best Supplementary Credit Cards in the Philippines

Based on the criteria above, here are 12 best supplementary cards to consider for your family.

1. AUB Classic Mastercard

Best Supplementary Credit Cards - AUB Classic Mastercard

  • Maximum supplementary cards per account: No limit
  • Age requirement for supplementary cardholder: At least 14 years old
  • Supplementary credit limit: Assigned by the principal cardholder
  • Minimum monthly income requirement for principal cardholder: PHP 21,000

If you apply for an AUB Classic Mastercard, you may enroll as many supplementary credit cards[1] under your account—without having to pay for annual fees on any card forever.

Using your AUB credit card, earn 1 rewards point per only PHP 20 spend. With multiple cards under one credit card account, you can collect and redeem rewards points faster than having just one card in your name.

Enjoy flexible credit card payments as well. Choose your own due date, payment frequency, and minimum amount due—so there’s no way you’ll miss paying your bills.

Fees and Charges:

  • Annual fee: No annual fee for life (both principal and supplementary cards)
  • Interest rate: 3.50%
  • Late payment fee: PHP 175 to PHP 700 or the unpaid minimum balance, whichever is lower
  • Overlimit fee: None

2. Citi Simplicity+

Best Supplementary Credit Cards - Citi Simplicity+

  • Maximum supplementary cards per account: Seven
  • Age requirement for supplementary cardholder: At least 16 years old
  • Supplementary credit limit: At least PHP 10,000 and in increments of PHP 5,000 (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 15,000 (for existing cardholders) / PHP 20,833.33 (for first-time cardholders)

With Citi Simplicity+, you can save a lot on credit card fees. Enjoy zero annual fees for both principal and supplementary cards[2], zero late payment fees, and zero overlimit fees. Pay at least the minimum amount due on or before the due date, and you’ll get 10% back on interest charges.

Fees and Charges:

    • Annual fee: No annual fee for life (both principal and supplementary cards)
  • Interest rate: 3.50%
  • Late payment fee: None
  • Overlimit fee: None

Free GrabPay Credits Worth P2,000!

Read more: Moneymax Reviews: Keeping it Simple with a Citi Simplicity Card

3. Metrobank M Free Mastercard

Best Supplementary Credit Cards - Metrobank M Free Mastercard

  • Maximum supplementary cards per account: Four
  • Age requirement for supplementary cardholder: 14 to 80 years old
  • Supplementary credit limit: Up to 100% of the principal’s credit limit (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 15,000

This no annual fee Metrobank card is one of the best supplementary credit cards[3] for teen children and senior citizen parents. It offers discounts, freebies, and other deals at M Here partner merchants, as well as 0% installment for up to 24 months.

Fees and Charges:

  • Annual fee: No annual fee for life (both principal and supplementary cards)
  • Interest rate: 3.50%
  • Late payment fee: PHP 850 or the unpaid minimum amount, whichever is lower
  • Overlimit fee: PHP 750

4. Bank of Commerce Platinum Mastercard

Best Supplementary Credit Cards - Bank of Commerce Platinum Mastercard

  • Maximum supplementary cards per account: Six
  • Age requirement for supplementary cardholder: At least 15 years old
  • Supplementary credit limit: At least PHP 5,000 and in increments of PHP 5,000 (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 100,000

This premium Bank of Commerce credit card has a lot of money-saving perks for families. On top of waived annual fees for life and low interest rate, principal and supplementary cardholders earn 1 rewards point per PHP 25 spend and up to 5x points for transactions at select dining and shopping merchants.

For traveling families, the Platinum Mastercard comes with a dual currency billing feature and up to PHP 2 million travel insurance.

Fees and Charges:

  • Annual fee: No annual fee for life (both principal and supplementary cards)
  • Interest rate: 2.95% (regular) / 2.50% (priority access)
  • Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: None

5. EastWest Platinum Mastercard

Best Supplementary Credit Cards - EastWest Platinum

  • Maximum supplementary cards per account: Nine
  • Age requirement for supplementary cardholder: At least 13 years old
  • Supplementary credit limit: At least PHP 2,500 up to 100% of the principal’s credit limit (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 150,000

With the EastWest Platinum Mastercard, both principal and supplementary cardholders earn 1 rewards point per PHP 40 spend. They also enjoy zero annual fee for life and an interest rate that’s lower than the standard.

Fees and Charges:

  • Annual fee: No annual fee for life (both principal and supplementary cards)
  • Interest rate: 2.75%
  • Late payment fee: 8% of the minimum amount due
  • Overlimit fee: PHP 500

6. BPI Family Credit Card

Best Supplementary Credit Cards - BPI Family Credit Card

  • Maximum supplementary cards per account: Six
  • Age requirement for supplementary cardholder: At least 13 years old
  • Supplementary credit limit: Up to 100% of the principal’s credit limit (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 15,000

Want to get a BPI supplementary credit card[4] for your family? Obviously, the best option is the Family Savings Credit Card. BPI offers an annual fee waiver on the first supplementary card and 50% off the rest of the supplementary cards.

Fees and Charges:

  • Annual fee:
    • Principal: PHP 1,350
    • 1st supplementary: No annual fee for life
    • 2nd to 6th supplementary: PHP 675
  • Interest rate: 3%
  • Late payment fee: PHP 850 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: None

7. China Bank Prime Mastercard

Best Supplementary Credit Cards - China Bank Prime Mastercard

  • Maximum supplementary cards per account: No limit
  • Age requirement for supplementary cardholder: At least 13 years old
  • Supplementary credit limit: Shared limit with the principal card
  • Minimum monthly income requirement for principal cardholder: PHP 15,000

If you get a China Bank credit card, you can enroll an unlimited number of supplementary cards without having to pay annual fees on them. With the Prime Mastercard, you and your loved ones can earn 1 rewards point per PHP 25 spend on dining, shopping, and health and wellness and per PHP 200 spend on groceries, medicines, fuel, and utility and insurance premium payments.

Fees and Charges:

  • Annual fee:
    • Principal: PHP 1,500 (Free for the first year)
    • Supplementary: No annual fee for life
  • Interest rate: 3.50%
  • Late payment fee: PHP 750 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: PHP 500

8. HSBC Red Mastercard

Best Supplementary Credit Cards - HSBC Red Mastercard

  • Maximum supplementary cards per account: Four
  • Age requirement for supplementary cardholder: At least 15 years old
  • Supplementary credit limit: Shared credit limit with the principal card
  • Minimum monthly income requirement for principal cardholder: PHP 16,666.67

Rack up credit card rewards even faster with supplementary credit cards from HSBC[5]. Each card earns 1 point per PHP 20 spend and 4x bonus points on online, dining, shopping and overseas transactions. Both principal and supplementary cardholders can also get a 3% rebate on fuel purchases at select Caltex stations.

Fees and Charges:

  • Annual fee:
    • Principal: PHP 1,500 (Free for the first year)
    • 1st supplementary: No annual fee for life
    • 2nd to 4th supplementary: PHP 750
  • Interest rate: 3,50%
  • Late payment fee: PHP 700 or unpaid minimum amount due, whichever is lower
  • Overlimit fee: PHP 500

Read more: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard

9. BDO Visa Gold

Best Supplementary Credit Cards - BDO Visa Gold

  • Maximum supplementary cards per account: Six
  • Age requirement for supplementary cardholder: At least 13 years old
  • Supplementary credit limit: Shared limit with the principal card
  • Minimum monthly income requirement for principal cardholder: PHP 35,000

For families who love to dine, one of the best supplementary credit cards[6] to consider is the BDO Visa Gold. Both primary and supplementary cardholders get double rewards points on dining and entertainment transactions, as well as 1 point per PHP 50 spend on all other types of purchases. This BDO credit card also lets you get exclusive discounts of up to 50% at partner restaurants.

Fees and Charges:

  • Annual fee:
    • Principal: PHP 2,400 (Free for the first year)
    • 1st supplementary: No annual fee for life
    • 2nd to 6th supplementary: PHP 1,200
  • Interest rate: 3.25%
  • Late payment fee: 7% of the overdue amount
  • Overlimit fee: None

10. RCBC Bankard Visa Infinite

Best Supplementary Credit Cards - RCBC Bankard Visa Infinite

  • Maximum supplementary cards per account: Nine
  • Age requirement for supplementary cardholder: 13 to 65 years old
  • Supplementary credit limit: Shared limit with the principal card
  • Minimum monthly income requirement for principal cardholder: PHP 300,000

The best supplementary credit cards for high-income families are those that provide generous rewards and cashback, like the RCBC Visa Infinite card.

With this RCBC credit card, you and your family can earn 1 rewards point per PHP 125 spend on groceries, medicines, and fuel or PHP 36 spend on all other purchases. Accumulated points can be redeemed for cash rebates, cash deposit to your RCBC savings account, shopping vouchers, and more. It also lets you earn a 5% rebate on purchases at clothing and apparel retail shops in the Philippines and abroad.

Fees and Charges:

  • Annual fee:
    • Principal: PHP 3,600
    • Supplementary: No annual fee for life (up to nine cards)
  • Interest rate: 3.50%
  • Late payment fee: PHP 400
  • Overlimit fee: PHP 500

11. Metrobank Peso Platinum Mastercard

Best Supplementary Credit Cards - Metrobank Peso Platinum Mastercard

  • Maximum supplementary cards per account: Four
  • Age requirement for supplementary cardholder: 14 to 80 years old
  • Supplementary credit limit: Up to 100% of the principal’s credit limit (assigned by the principal cardholder)
  • Minimum monthly income requirement for principal cardholder: PHP 58,333.33

This premium Metrobank credit card packs a lot of features for principal and supplementary cardholders, including the following:

  • Earn 1 rewards point per PHP 20 spend and 3x points for purchases at Rustan’s Department Store
  • Online shopping insurance coverage for non-delivery of online item purchase, incomplete or incorrect delivery, defect or damage in delivery, and other losses
  • 24-hour VIP customer service hotline and 24-hour VIP concierge service
  • Discounts, freebies, and other deals at M Here partner merchants

Fees and Charges:

  • Annual fee:
    • Principal: PHP 5,000
    • 1st supplementary: No annual fee for life
    • 2nd to 4th supplementary: PHP 2,500
  • Interest rate: 3.50%
  • Late payment fee: PHP 850 or the unpaid minimum amount, whichever is lower
  • Overlimit fee: PHP 750

12. Security Bank Complete Cashback Mastercard

Best Supplementary Credit Cards - Security Bank Complete Cashback

  • Maximum supplementary cards per account: Five
  • Age requirement for supplementary cardholder: 16 to 65 years old
  • Supplementary credit limit: Shared spending limit with the primary cardholder
  • Minimum monthly income requirement for principal cardholder: PHP 30,000

One of the best supplementary credit cards for families is Security Bank’s cashback credit card. Earn rebates ranging from 1% to 5% on five of the typically largest household expenses: groceries, fuel, utility bills, dining, and shopping.

Fees and Charges:

  • Annual fee: (Free for the first year)
    • Principal: PHP 3,000
    • Supplementary: PHP 1,500
  • Interest rate: 3.50%
  • Late payment fee: PHP 600 or 6% of the minimum amount due, whichever is lower
  • Overlimit fee: PHP 500

Final Thoughts

When choosing credit cards for your family, put as much thought into your choice of supplementary cards as you would like the principal card. The best supplementary credit cards help you save more money and manage your family’s finances better.

Read more: Can Your Kids Handle a Supplementary Credit Card?

Compare and apply for a credit card today!

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