Top 18 Easiest Credit Cards to Get in the Philippines

You can’t deny that owning 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 gadgets, 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 there a fast-approval credit card in the Philippines? Yes, of course! Leading banks offer credit cards without a lot of requirements and a stringent application process. 

Here are some of the easiest credit cards to get approved for in the Philippines. 

18 Easiest Credit Cards to Get Approved for in the Philippines

Check out some of the credit cards with the easiest approval in the Philippines:

Credit Card	Requirements
UnionBank Rewards Credit Card	At least 18-70 years old  Valid government ID with photo and signature Source of income
Metrobank Titanium Mastercard®	At least 18 to 70 years old At least 6 months employed as a regular employee / principal cardholder with another bank Valid TIN, SSS or GSIS Number Active business or residence landline number Active mobile number
HSBC Red Mastercard	21 to 65 years old Existing credit card  Proof of identity Proof of residence
Security Bank Gold Mastercard	Filipino citizen and Philippine resident At least 21-65 years old Employed for at least 1 year / self-employed for at least 3 years Active landline number Government-issued photo-bearing ID For employed: COE / ITR / payslip with company ID  For self-employed: AFS / ITR AND SEC /DTI Registration
BPI Blue Mastercard	Front and back portion of a valid ID with picture Proof of income or a copy of credit card statement from another bank
PNB Ze-Lo Mastercard	21 to 65 years old Employed / self-employed Government-issued ID  For non-depositor: Proof of billing  Employees: Certificate of Employment / pay slip / ITR / active credit card Self-employed: Latest ITR

Read on for more details and credit card options.

UnionBank Rewards Credit Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,500 

✅ Interest rate: 3%

📝 UnionBank Rewards Credit Card application requirements:

• At least 18-70 years old 
• Completely filled out application form 
• Valid government ID with photo and signature
• Source of income 
  
  • Income Tax Return (ITR) or Certificate of Compensation Payment and Tax
  • Withheld or similar documents
  • Certificate of Employment or Employment Contract
  • Latest 3-months payslip
  • BIR Form 2316 or a similar document
  • Proof of pension
  • Latest 3 months copy of Bank Statement of Account (SOA) from another bank
• For foreign applicants: Alien Certification of Registration (ACR) or its equivalent document

To secure a UnionBank Rewards Credit Card, you generally just need to fill out the application form and submit a valid ID and proof of income. The minimum income requirement isn't too bad, either! 

Once approved, you can use the card to earn 1 non-expiring rewards point for every ₱30 spend and triple the points when you shop and dine here and abroad. You can then use the points to redeem free merch, cash credits, points transfers, and more. 

Metrobank Titanium Mastercard^®

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,500 

✅ Interest rate: 3%

📝 Metrobank Titanium Mastercard^® application requirements:

• At least 18 to 70 years old
• At least 6 months employed as a regular employee or a principal cardholder with another bank
• Valid TIN, SSS or GSIS Number
• Active business or residence landline number
• Active mobile number

The  Metrobank Titanium Mastercard^® has a pretty straightforward list of requirements—no need to collate multiple documents. Plus, with a low minimum income requirement, it's easy to qualify for this card.

Bonus: If you want to avoid annual fees for life, apply for this card until February 29, 2024 and meet an annual spend of ₱180,000. Note that you have to have an existing card with other banks, though. 

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 six months
• 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 the easiest approval in the Philippines. Despite 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.

Moreover, you can get 4x rewards points on shopping, dining, online, and overseas spend and earn a 3% rebate when you fuel up at Caltex.

Security Bank Gold Mastercard

✅ Monthly income requirement: ₱30,000

✅ Annual fee: ₱2,500 (Waived for the first year)

✅ Interest rate: 3%

📝 Security Bank Gold Mastercard application requirements:

• Filipino citizen and Philippine resident
• At least 21-65 years old
• Employed for at least one year or self-employed for at least three years
• Active landline number
• Government-issued photo-bearing ID
• For employed: Signed COE or ITR or three-month payslip with company ID (front/back)
• For self-employed: Three years' worth of AFS or ITR AND SEC/DTI Registration

While it has a relatively higher minimum income requirement than some cards on this list, the Security Bank Gold Mastercard still has a short list of application requirements. Plus, you can get your annual fee waived for the first year.

Use this card to earn 1 point for every ₱20 spend and redeem exclusive rewards from the catalog. 

BPI Blue Mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550

✅ Interest rate: 3%

📝 BPI Blue Mastercard Credit Card application requirements:

• Front and back portion of a valid ID with picture
• Proof of income or a copy of your credit card statement from another bank

With its low annual income requirement, the BPI Blue Mastercard is the perfect choice for first-time cardholders. Plus, its annual fee of ₱1,550 is one of the lowest in the Philippines.

Make spending more manageable with this card's flexible installment plans of up to 36 months. Plus, you earn 1 BPI point, which you can use to redeem exclusive deals, for every ₱35 spend. Lastly, use this card to take advantage of a variety of year-round perks and discounts. 

Petron-BPI Mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550

✅ Interest rate: 3%

📝 Petron-BPI Mastercard application requirements:

• Front and back portion of a valid ID with picture
• Proof of income or a copy of your credit card statement from another bank

The Petron-BPI Mastercard shares the BPI Blue Mastercard's annual income and application requirements, making it one of the easiest credit cards to get in the Philippines. However, the Petron-BPI credit card is the obvious choice if you're frequently on the go. 

Get a ₱200 fuel voucher when you sign up for this card, earn a 3% rebate when you gas up at participating Petron stations, and enjoy other car-related perks. 

BPI Amore Cashback Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,050

✅ Interest rate: 3%

📝 BPI Amore Cashback Card 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

While it has a low income requirement, this card comes with plenty of perks! Enjoy exclusive privileges at any Ayala Mall nationwide with this card. You can also earn 4% cashback on your grocery shopping and 1% cashback on medicines and utility bills.

Shopping abroad? Like other BPI credit cards, the 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.

BPI Edge Mastercard

✅ Monthly income requirement: ₱15,000

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

✅ Interest rate: 3%

📝 BPI Edge Mastercard 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, you just need to submit any valid ID and proof of income to BPI.

A slew of perks come with this card, too. Earn 1 BPI point with every ₱50 spend, then use your points to redeem rewards and freebies. Enjoy more exclusive deals and discounts with this card. 

PNB Ze-Lo Mastercard

✅ Monthly income requirement: ₱10,000

✅ Annual fee: Zero annual fee for life

✅ Interest rate: 2.5%

📝 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-depositors: 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

With the PNB Ze-Lo Mastercard, 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, you'll be glad to know this card is globally accepted.

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.  

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 easiest credit cards to get in the Philippines. The PNB Visa Classic is affordable because of its low annual fee, which is even waived for the first year.

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-depositors: 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

Like the other PNB credit cards on this list, this card has a low annual fee and annual income requirement.

Plus, 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 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.

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―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.

One of its most appealing benefits 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 in the Philippines, consider this one.

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 easy application and hassle-free qualities, the AUB Classic Mastercard is worth considering.

It's also flexible when it comes to payments. You can choose when and how much you want to pay depending on your budget. 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 promising, right?

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

While it has the highest income requirement on this list, this card has a fuss-free list of requirements applicants can easily comply with. 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.

Metrobank M Free Mastercard^®

✅ Monthly income requirement: ₱15,000

✅ 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.

RCBC Classic Mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 RCBC Classic Mastercard application requirements:

• Completely filled out and signed application form
• Copy of one valid ID with photo and signature
• Copy of any proof of income
• Mobile number and landline in your place of work

You can't go wrong with classics, as proven by the RCBC Classic Mastercard. Thanks to a low income requirement and a straightforward list of documentary requirements, it's one of the easiest credit cards to get approved for in the Philippines.

For as low as ₱36 per spend, you can earn points, which you can then exchange for air miles, rebates, vouchers, and other exciting perks. You even get access to a free budget monitoring tool so you can keep your spending in check. 

RCBC Flex Visa

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 RCBC Flex Visa application requirements:

• Completely filled out and signed application form
• Copy of one valid ID with photo and signature
• Copy of any proof of income
• Mobile number and landline in your place of work

The RCBC Flex Visa has the same requirements as the Classic Mastercard, but it offers a little more flexibility when it comes to rewards. Earn 2x rewards points on two of your preferred categories, which you can change every billing cycle. Redeem shopping vouchers or cash rebates using your points. 

Frequent traveler? With this card, you get free travel insurance (Travel Plus Lite), purchase protection, and access to the Marhaba/Skyview Airport Lounge. 

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—so consider this if you're looking for a credit card for bad credit in the Philippines.

To get this 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.

It's also one of the credit cards with the fastest approval in the Philippines—just three days after you submit the required documents! 

Final Thoughts

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 application process for the easiest credit cards to get approved for in the Philippines. 

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.

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

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