easy approval credit card application in the Philippines l Moneymax

You can’t deny that having a credit card means enjoying a convenient life. With your plastic card, you can easily shop, book plane tickets, and order food online.

Short on cash this pay cut-off? You can still buy your groceries by using your credit card. And if you have a 0% interest card, you won’t have to worry about paying interest. Buying a big-ticket item, such as the latest gadget, is not impossible anymore, especially if your card has a 0% installment plan with flexible terms.

The point is, you get to unlock a world of spending wonders when you have a credit card; every purchase even comes with a reward.

However, what stops people from getting a credit card is the approval process. Generally, banks and credit card companies process applications for a month, or even longer. Waiting can be frustrating, especially if you need the card ASAP.

Is easy approval credit card application in the Philippines still possible? Yes, of course! Leading banks offer credit cards that don’t have a lot of requirements and a stringent application process. Here are some of them.

Top 10 Cards to Consider for Easy Approval Credit Card Application in the Philippines

1. Citi Simplicity+

✅ Monthly income requirement:

  • With existing credit card: PHP 15,000
  • Without a credit card: PHP 20,833

✅ Annual fee: No annual fee for life

✅ Interest rate: 2%

📝 Citi Simplicity+ application requirements:

  • At least 21 years old
  • Active landline or mobile number
  • Valid SSS, GSIS, TIN, or UMID number
  • With existing credit card: Government-issued ID
  • Without a credit card: Government-issued ID, certificate of employment, payslip/income tax return, and bank statement of payroll account showing one-month salary

Citi credit cards are known to be among the easiest credit card to get approved for in the Philippines. Moreover, Citibank doesn’t require applicants to have a deposit account with the bank.

Through Citibank’s online credit card application and approval system, applicants know in just a matter of minutes if they’re qualified. It takes only five to seven days to verify the submitted documents, after which the client may get his or her Citibank credit card.

Citi Simplicity+ is one of Citibank’s most popular cards because it doesn’t come with annual fees, late payment fees, and overlimit fees. Getting this Citi credit card is easier, too, if you already have an active credit card with Citibank or any other bank in the Philippines.

The income requirement is lower, and no income documents are required for existing credit cardholders. Citibank still accepts applications from those without a credit card, though.

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2. HSBC Red Mastercard

easy approval credit card application in the Philippines - hsbc red mastercard

Monthly income requirement: PHP 16,666

✅ Annual fee: PHP 2,500

✅ Interest rate: 2%

📝 HSBC Red Mastercard application requirements:

  • At least 21 to 65 years old
  • An existing credit card owned for at least a year
  • Proof of identity, such as valid photo-bearing IDs (SSS/TIN ID, Passport, Driver’s License, NBI Clearance etc.)
  • Proof of Residence: Valid ID containing the applicant’s address and utility bills (electricity, landline, cable TV, or mobile phone bill issued within the last three months and matches the applicant’s permanent and primary address)

The HSBC Red Mastercard is one of the credit cards with fast approval and application in the Philippines. Despite having an active credit card requirement, HSBC credit cards have a low income requirement, making it suitable for millennials and young entrepreneurs. The number of documents needed is also easy to comply with.

Read more: 5 Tactics to Acquire More Credit Card Points

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3. EastWest Practical Mastercard

credit cards with easy application requirements - eastwest practical mastercard

✅ Monthly income requirement: PHP 10,000

Annual fee: PHP 1,400 (waived for the first year for new EastWest credit cardholders)

Interest rate: 2%

📝 EastWest Practical Mastercard application requirements:

  • At least 21 years old
  • Home landline or mobile phone and office landline
  • Home or office address must be within Metro Manila, Cavite, Bulacan, Laguna, and other locations specified by EastWest Bank
  • Accomplished application form
  • Employees: Certificate of Employment, latest ITR, latest three-month pay slips, or any income document accepted by EastWest Bank, Letter of Appointment/Personnel Action Memo, Salary Adjustment Memo issued within the latest month, latest service record for government employees
  • Self-employed: Latest ITR and financial statements
  • Foreign residents: Work permit or ACR with income document

The EastWest Practical Mastercard is a great option for easy approval credit card application in the Philippines. It has a low income requirement and low annual fee. Processing of applications, however, may take two to three weeks.

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4. Security Bank Classic Mastercard

credit cards with easy application requirements - security bank classic mastercard

✅ Monthly income requirement: PHP 15,000

✅ Annual fee: PHP 2,000 (Waived for the first year)

✅ Interest rate: 2%

📝 Security Bank Classic Rewards Mastercard application requirements:

  • Filipino citizen residing in the Philippines
  • 21 to 65 years old
  • Landline number
  • Regular employee for at least one year or self-employed for at least three years
  • Photo-bearing government-issued ID
  • Employees: Certificate of Employment, three-month pay slips with company ID, or ITR
  • Self-employed: ITR and DTI or SEC registration papers or three-year audited financial statements

The Classic Rewards Mastercard is the easiest Security Bank credit card to get approved for because of its low income requirement. As a result, this makes it ideal for first-time cardholders.

The Classic Rewards Mastercard also makes an ideal everyday card, as you can use it for shopping. You can also earn one point for every PHP 20 spent. But what makes the card’s rewards system much more appealing is that the points never expire.

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Read more: Credit Card Rewards: When Do Points Expire?

5. PNB Visa Classic

credit cards with easy application requirements - pnb visa classic

✅ Monthly income requirement: PHP 10,000

✅ Annual fee: PHP 300 (free for the first year)

✅ Interest rate: 2%

📝 PNB Visa Classic application requirements:

  • 21 to 65 years old
  • Filipino citizen or foreign national residing in the Philippines
  • Regular employee or self-employed
  • Photo-bearing and signature-bearing government-issued ID (Passport, TIN, SSS or UMID, Driver’s License, etc.)
  • Non-depositor: Proof of billing, such as utility bills or credit card statement of account
  • Employees: Certificate of Employment, latest three-month pay slips, or latest ITR
  • Self-employed: Latest ITR, DTI or SEC registration papers, or latest audited financial statements
  • For foreign national: Passport, Alien Certificate of Residence (ACR), National ID, IRS ID, work permit issued by the Department of Labor and Employment (DOLE) of the Philippines, and company ID

With a monthly income requirement of at least PHP 10,000, this PNB credit card is one of the credit cards with easy application requirements in the Philippines. The PNB Visa Classic, in particular, is affordable to own because of its low annual fee that’s waived for the first year.

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6. BPI Family Savings Credit Card

easy approval credit card application in the Philippines - bpi family savings credit card

✅ Monthly income requirement: PHP 15,000

✅ Annual fee: PHP 1,350 (free for the first year)

✅ Interest rate: 2%

📝 BPI Family Credit Card application requirements:

  • Valid ID with picture (Driver’s License, Passport, SSS/GSIS ID, Postal ID, Voter’s ID, etc.)
  • Proof of income (e.g. pay slips) or a copy of your credit card statement from another bank

Among BPI’s regular credit cards, the easiest to apply and get approved for is the Family Savings Credit Card because of its income requirement and annual fees.

Also, with this easy approval credit card, you don’t have to submit any income document to BPI if you’re already a credit cardholder for at least one year. Just submit your latest credit card billing statements and a photocopy of your credit card so you can get started.

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7. Security Bank Fast Track Secured Credit Card

credit cards with easy application requirements - Security Bank Fast Track Secured Credit Card

✅ Monthly income requirement: None

✅ Annual fee: PHP 2,000 to PHP 4,000 (depending on the Security Bank credit card you qualify for; free for the first year)

✅ Interest rate: 2%

📝Security Bank Fast Track application requirements:

  • 21 to 65 years old
  • Home or office landline number
  • Government-issued ID
  • Accomplished application form
  • Accomplished holdout agreement form
  • Security Bank savings account with at least PHP 15,000 hold-out amount or time deposit with at least PHP 100,000 hold-out amount
  • For foreign residents: Work permit, Alien Certificate of Registration, or embassy accreditation papers

Security Bank’s Fast Track program[1] is a secured credit card that guarantees 100% approval for both new and existing clients of the bank. To get a Security Bank credit card without having to submit income documents, simply open a deposit account with the bank and deposit the required minimum hold-out amount for your collateral.

Credit card application processing is also fast at three days after submission of required documents. Definitely one of the options for easy approval credit card application in the Philippines.

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8. PNB Ze-Lo Mastercard

easy approval credit card application in the Philippines - PNB Ze-Lo

Monthly income requirement: PHP 10,000

Annual fee: Zero annual fee for life

✅ Interest rate: 2%

📝 PNB Ze-Lo Mastercard application requirements:

  • 21 to 65 years old
  • Filipino citizen or foreign national
  • Employed or self-employed
  • Government-issued ID with picture and signature (e.g. passport, driver’s license, UMID, etc.)
  • For non-depositor: Proof of billing (utility bills or credit card statement of account)
  • Employees: Certificate of Employment (with position, date hired, and gross income, latest one-month payslip, ITR, or active principal credit card number (with at least one-year membership)
  • Self-employed: Latest ITR with BIR stamp or audited financial statement
  • For foreign national: Passport, Alien Certificate of Residence (ACR), National ID, IRS ID, work permit issued by the Department of Labor and Employment (DOLE) of the Philippines, and company ID

The PNB Ze-Lo Mastercard is as straightforward as it gets. The monthly income requirement is not that high, and the documents that you need to submit are easy to collate. It also doesn’t have a high interest rate, which makes it an ideal credit card for everyday and recurring expenses, such as groceries. 

But what makes it more attractive is that it doesn’t have annual fees, overlimit fees, and late payment fees. In case you frequently travel abroad, this card will make your trip much more convenient since it’s globally accepted.

Through the PNB Ze-Lo Mastercard, you can get a cash advance that’s worth up to 30% of your credit limit. With the card’s Transaction Conversion feature, you can convert your straight payments into low-interest installments.

And if you shop with the bank’s partner merchants, you can avail of the Zero % Affordable Payment Plan (ZAPP), which allows you to enjoy 0% installment with terms of up to 24 months.  

9. AUB Easy Mastercard

Monthly income requirement: PHP 21,000

Annual fee: Zero annual fee for life

Interest rate: 2%

📝 AUB Easy Mastercard application requirements:

  • 21 to 65 years old
  • Filipino citizen
  • Employed applicants must be a regular employee with a duly registered company for at least one (1) year.
  • Self-employed applicants must be in a duly registered business with profitable operations for at least one (1) year.
  • Employees: Certificate of Employment, latest ITR, latest one-month payslip
  • Self-employed: Latest ITR (Form 1707, 1701Q), latest financial statements, and DTI registration (preferably with the applicant’s name)
  • Must have active contact channels: mobile number, at least one landline phone (residence or office), email address

As its name suggests, the AUB Easy Mastercard doesn’t have complicated requirements and winding application procedures. The bank claims that it’s the only credit card that gives users the freedom to choose when and how much they want to pay.

This means that you can decide on how many times you can pay per month―once a month, twice a month, and even weekly. You can also choose your due date. Moreover, you’ll be given the flexibility to choose a fixed payment amount based on your frequency of payment.

Among the most appealing benefits of the AUB Easy Mastercard is that the annual membership fee is waived for life. And you get to enjoy 0% interest on new purchases with the card.

10. AUB Classic Mastercard

Monthly income requirement: PHP 21,000

Annual fee: Zero annual fee for life

Interest rate: 2%

📝 AUB Classic Mastercard application requirements:

  • 21 to 65 years old
  • Filipino citizen
  • Employed applicants must be a regular employee with a duly registered company for at least one year.
  • Self-employed applicants must have a duly registered business with profitable operations for at least one year.
  • Employees: Certificate of Employment, latest ITR, latest one-month pay slip
  • Self-employed: Latest ITR (Form 1707, 1701Q), latest financial statements, and DTI registration (preferably with the applicant’s name)
  • Must have active contact channels: mobile number, at least one landline phone (residence or office), email address

AUB’s budget-tier credit cards generally don’t have complicated requirements. The AUB Easy Mastercard is one good example. However, if you’re looking for an upgrade with the same hassle-free qualities, the AUB Classic Mastercard is worth considering.

Application is easy with the AUB Classic Mastercard. But what will make you fall in love with it is its flexibility when it comes to payments. You can choose when and how much you want to pay depending on your budget.

Just like with the AUB Easy Mastercard, you can pay once a month, twice a month, and even weekly. You can also choose when to pay, from the first to the 30th day of the month. This means that you can pay your dues on your payday.

But what takes the AUB Classic Mastercard a notch higher from the Easy Mastercard is that it allows you to enroll as many supplementary cards without needing to pay annual fees for life! Sounds more than promising, right?

Tips to Get Approved for a Credit Card

easy approval credit card application in the Philippines - how to get approved for a card

While you can easily get your hands on credit cards with easy application requirements, you can increase your chances of approval by keeping these helpful tips to mind.

1. Settle Outstanding Debts

Since getting a credit card is essentially borrowing money, it’s best to eliminate any outstanding debts under your name. Make a good impression to credit card providers by proving you’re a responsible applicant who can maintain a good credit score.

Read more:

2. Prove that You Have a Stable Source of Income

You may have this impression that having a big, fat paycheck warrants an easy approval of a credit card application. It’s true to some extent. But what banks actually check is the stability of your income stream.

You can prove that you have a stable source of income by presenting these important documents: Certificate of Employment for employed applicants and business registration and ITR for self-employed applicants.

3. Open a Savings Account

This is ideal for anyone without a stable source of income, particularly freelancers and students. Open a savings account with the bank where you’re planning to apply for a credit card so you can easily get approved for a secured credit card.

4. Review the Requirements

Before you apply for a credit card, make sure you’re eligible for it. Review all requirements and be ready for any additional documents the bank might ask from you. Go above and beyond and prepare the documents that you think can help you get approved.

5. Choose a Cheaper Credit Card

If you apply for a cheaper credit card, there’s a big chance the requirements are a lot easier as well. Aim for a credit card that your budget can maintain. If possible, choose credit cards with lower interest rates or waived annual fees.

6. Learn How Not to Get Rejected

You can also increase your chances of getting approved by knowing the common reasons for rejection and trying your best to avoid them. Learn from the mistakes of others and adjust your strategy accordingly.

Other Credit Cards You Can Consider

AUB Platinum Mastercard

AUB Platinum Mastercard

RCBC Classic Mastercard

RCBC Classic Mastercard

PNB Essentials Mastercard

PNB Essentials Mastercard

Metrobank M Free Mastercard

Metrobank M Free Mastercard

BPI Amore Visa

BPI Amore Visa

Final Thoughts

Who says that an easy approval credit card application in the Philippines isn’t possible? Gone are the days when credit cards were exclusive to executives and high-income spenders. Thankfully, banks and financial institutions have already recognized people’s need for a convenient payment method, thus the uncomplicated credit card application procedures.

The democratization of credit cards is still evolving, thanks to credit card comparison and application platforms like Moneymax. If you want to compare easy approval credit cards and find the one that suits your lifestyle, our advanced platform allows you to do just that.

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Source: [1] Security Bank Fast Track Secured Credit Card

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