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Top 12 Easiest Credit Cards to Get in the Philippines

Venus Zoleta

Venus Zoleta

Last updated March 01, 2023

You can’t deny that having a credit card means enjoying a convenient life. Short on cash this pay cut-off? You can still buy your groceries and other essentials with your credit card. Meanwhile, buying big-ticket items, such as the latest gadget, is not impossible anymore, especially if your card has a 0% installment plan with flexible terms.

However, what stops people from getting credit cards 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 a credit card application with easy approval in the Philippines possible? Yes, of course! Leading banks offer credit cards that don’t have a lot of requirements and a stringent application process. 

12 Credit Cards with Easy Application and Approval in the Philippines

Here are some of your options for credit cards with the easiest approval in the Philippines:

Citi Simplicity+ Card

easy approval credit card application philippines - Citi Simplicity+ Card

✅ Monthly income requirement:

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

✅ Annual fee: No annual fee for life

✅ Interest rate: 3%

📝 Citi Simplicity+ Card application requirements:

  • At least 21 years old
  • Active landline or mobile number
  • Valid SSS, GSIS, TIN, or UMID number
  • With an existing credit card: Government-issued ID
  • Without a credit card: Government-issued ID, certificate of employment, pay slip/Income Tax Return (ITR), and bank statement of payroll account showing one-month salary

Looking for the easiest credit card to get? The Citi Simplicity+ Card makes a good choice, as it's one of the easiest credit cards to get approved for in the Philippines.

Moreover, Citibank doesn’t require credit card applicants to create a deposit account with the bank. Through Citi’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 their Citibank credit card.

Citi Simplicity+ is one of Citibank’s most popular cards because it doesn’t come with credit card charges such as annual fees, late payment fees, and overlimit fees.

Getting this Citi credit card is particularly easy 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.

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.


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moneymax citibank credit card gcash airpods marshall promo

Eligible cards: All Citibank credit cards

Promo period: Until May 31, 2023

Apply for any Citi credit card through Moneymax and choose your welcome gift: ₱10,000 GCash eGift, a Marshall Kilburn II portable speaker (worth ₱15,990), or Apple AirPods 3 (worth ₱10,990). Terms and conditions apply.

This Moneymax Citibank AirPods/GCash/Marshall promo runs until May 31, 2023 only. So hurry and apply today!

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.


 

HSBC Red Mastercard

easy approval credit card application philippines - HSBC Red Mastercard

Monthly income requirement: ₱16,666

✅ Annual fee: ₱2,500 (Waived for the first year for new HSBC credit cardholders)

✅ Interest rate: 3%

📝 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 picture-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 an easy approval process. Despite having an active credit card requirement, HSBC credit cards have a low income requirement, making them suitable for millennials and young entrepreneurs. The number of documents needed is also easy to comply with.


🎁 Free Gift from Moneymax: ₱2,500 GCash, JBL Go 3, or realme Buds Air 3

moneymax hsbc credit card gcash jbl realme promo

Eligible cards: All HSBC credit cards

Promo period: Until May 31, 2023

Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from ₱2,500 GCash, a JBL Go 3 portable waterproof speaker (worth ₱2,399), or realme Buds Air 3 wireless earbuds (worth ₱3,990). Terms and conditions apply.

This Moneymax HSBC GCash/JBL/realme promo runs until May 31, 2023 only. So hurry and apply now!


 

PNB Visa Classic

easy approval credit card application philippines - PNB Visa Classic

✅ Monthly income requirement: ₱10,000

✅ Annual fee: ₱300 (Free for the first year)

✅ Interest rate: 3%

📝 PNB Visa Classic application requirements:

  • 21 to 65 years old
  • Filipino citizen or foreign national residing in the Philippines
  • Regular employee or self-employed
  • Government-issued ID with picture and signature (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 (AFS)
  • For foreign nationals: Passport, 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 ₱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 because of its low annual fee that’s even waived for the first year.

BPI Edge Mastercard

easy approval credit card application philippines - BPI Edge Mastercard

✅ Monthly income requirement: ₱15,000

✅ Monthly fee: ₱110 (Free for the first year)

✅ Interest rate: 3%

📝 BPI Edge Credit Card application requirements:

  • Valid ID with picture (Driver’s license, passport, SSS/GSIS ID, postal ID, voter’s ID, etc.)
  • Proof of income (Pay slips)

Among BPI’s regular credit cards, the easiest to apply and get approved for is the Edge Mastercard because of its income requirement and annual fees. Also, with this easy approval credit card in the Philippines, you just need to submit any valid ID and proof of income to BPI.

Security Bank Fast Track Secured Credit Card

easy approval credit card application philippines - Security Bank Fast Track Secured Credit Card

✅ Monthly income requirement: None

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

✅ Interest rate: 3%

📝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 ₱25,000 hold-out amount or time deposit with at least ₱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.

Its processing is also fast at three days after submission of required documents. It's definitely one of the best credit cards for easy application and approval in the Philippines.

PNB Ze-Lo Mastercard

easy approval credit card application philippines - PNB Ze-Lo Mastercard

Monthly income requirement: ₱10,000

Annual fee: Zero annual fee for life

✅ Interest rate: 3%

📝 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 (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 pay slip, ITR, or active principal credit card number (With at least one-year membership)
  • Self-employed: Latest ITR with BIR stamp or AFS
  • For foreign nationals: Passport, ACR, national ID, IRS ID, work permit issued by DOLE, 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, which allows you to enjoy a 0% installment plan with terms of up to 24 months.  

AUB Easy Mastercard

easy approval credit card application philippines - AUB Easy Mastercard

Monthly income requirement: ₱21,000

Annual fee: No annual fee for life

Interest rate: 3%

📝 AUB Easy Mastercard application requirements:

  • 21 to 65 years old
  • Filipino citizen
  • Regular employees working for a duly registered company for at least one year
  • Self-employed applicants with a duly registered business operating profitably 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

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 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 amount based on your frequency of credit card payments.

Among the most appealing benefits of the AUB Easy Mastercard is that the annual membership fee is waived for life. Plus, you get to enjoy 0% interest on new purchases with the card. So if you're looking for the easiest credit card to get, consider this one.

AUB Classic Mastercard

easy approval credit card application philippines - AUB Classic Mastercard

Monthly income requirement: ₱21,000

Annual fee: Zero annual fee for life

Interest rate: 3%

📝 AUB Classic Mastercard application requirements:

  • 21 to 65 years old
  • Filipino citizen
  • Regular employees working for a duly registered company for at least one year
  • Self-employed applicants with a duly registered business operating profitably 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, but 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. It's also flexible when it comes to payments. You can choose when and how much you want to pay depending on your budget.

Just like with the Easy Mastercard, you can pay once a month, twice a month, and even weekly with the AUB Classic Mastercard. 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 makes the Classic Mastercard a notch higher than 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?

AUB Platinum Mastercard

easy approval credit card application philippines  - AUB Platinum Mastercard

✅ Monthly income requirement: ₱100,000

✅ Annual fee: Free

✅ Interest rate: 3%

📝 AUB Platinum Mastercard application requirements:

  • 21 to 65 years old
  • Regular employees working for a duly registered company for at least one year
  • Self-employed applicants with a duly registered business operating profitably for at least one year
  • Government-issued ID with picture or employment ID
  • Statement of account for postpaid mobile subscription
  • 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, office landline, email address

With this credit card with easy application and approval in the Philippines, you can choose exactly when to pay. You can also enjoy a waived annual membership fee for life.

It's perfect for frequent shoppers and fliers—you get no interest on new purchases, the option to transfer your Rewards Points to Mabuhay Miles Frequent Flyer Program, and complimentary airport lounge access when you travel.

As a bonus, you can also enroll as many supplementary cards as you want.

PNB Essentials Mastercard

easy approval credit card application philippines - PNB Essentials Mastercard

✅ Monthly income requirement: ₱10,000

✅ Annual fee: ₱1,200

✅ Interest rate: 3%

📝 PNB Essentials Mastercard application requirements:

  • 21 to 65 years old
  • Government-issued ID with picture and signature (Driver’s license, passport, TIN e-card, SSS, UMID)
  • For non-carded or non-depositor: Proof of billing (Utility bills or credit card statement of account)
  • Employees: Latest one-month pay slip, Certificate of Employment, latest ITR, active principal credit card number
  • Self-employed: Latest ITR with BIR Stamp and latest AFS

Looking for a reliable credit card? With PNB Essentials Mastercard's Card Protect Feature, you can enjoy contactless payments and secure transactions. It offers free purchase protection insurance, free travel insurance, and fraud transaction insurance. 

This credit card with easy application and approval in the Philippines also comes in handy if you love traveling. Enjoy global acceptance in-store and online, pay in Philippine pesos for transactions in other countries, and use rewards points to redeem Mabuhay Miles or Cash Credits.

Metrobank M Free Mastercard

easy approval credit card application philippines - Metrobank M Free Mastercard

✅ Monthly income requirement: ₱72,250

✅ Annual fee: No annual fee for life

✅ Interest rate: 3%

📝 Metrobank M Free Mastercard application requirements:

  • 18 to 70 years old
  • Government-issued ID with date of birth and signature (TIN ID, driver's license, UMID, PRC ID, passport, PWD ID, etc.)
  • With an existing credit card: Latest billing statement with at least nine months as a principal cardholder
  • Employed: Latest ITR and/or the employee’s copy of BIR Form 2316 duly signed by the employer, latest three-month pay slips, Certificate of Employment 
  • Self-employed: Latest AFS, latest ITR
  • For foreign nationals: Proof of income or employment, ACR, Immigration’s Certificate of Residence (ICR), visa

Want the convenience of a credit card without the annual fees? The Metrobank M Free Mastercard is perfect for first-time cardholders who love shopping.

Enjoy no annual fees for life, 0% interest installment plans, and other value-added perks. You can also get discounts, free gifts, and great deals with your Metrobank credit card at M Here partner establishments.

It's also a contactless-enabled credit card, so you can enjoy secure and faster paperless payments anywhere with a simple tap on any contactless-enabled card terminal.

BPI Amore Cashback Card

easy approval credit card application philippines - BPI Amore Cashback

✅ Monthly income requirement: ₱30,000

✅ Annual fee: ₱2,050

✅ Interest rate: 3%

📝 BPI Amore Visa application requirements:

  • Government-issued ID with picture (Driver's license, passport, voter's ID, SSS/GSIS ID, BIR/TIN ID, PRC ID, postal ID, etc.
  • Proof of income or a credit card statement from another bank

If you shop frequently at Ayala Malls, you'll get plenty of use out of the BPI Amore Cashback Card. Enjoy exclusive privileges at any Ayala Mall nationwide when you apply for this BPI credit card. You can also earn 4% cashback on your grocery shopping and 1% cashback on medicines and utility bills.

Shopping abroad? BPI Amore Cashback Card offers one of the lowest forex conversion rates at 1.85%. 

Lastly, you can convert your credit limit to cash and pay in installments for up to 36 months. Or avail of cash advance and withdraw up to 30% of your available credit limit.

Related reading:

Final Thoughts

Who says that a credit card with easy application and approval in the Philippines doesn't exist? Gone are the days when credit cards were exclusive to executives and high-income spenders. Thankfully, banks and financial institutions now recognize people’s need for a convenient payment method, thus the uncomplicated credit card application process.

Access to credit cards in the country is evolving, thanks to credit card comparison and application platforms like Moneymax. If you want to compare credit cards with easy approval in order to find the one that suits your lifestyle, our free and easy-to-use platform allows you to do just that.

Never pay annual fees - Click here

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

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Venus leads the blog content strategy and optimization at Moneymax as the Head of Editorial Content. She has 15+ years of experience in content marketing, corporate communications, and public relations. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. Before joining Moneymax, Venus had written informative guides and articles, specializing in personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. A hardcore Hallyu Tita, she enjoys bingeing K-dramas on Netflix while bonding with her rescued cats. Follow Venus on LinkedIn.