Top 13 Easiest Credit Cards to Get in the Philippines

Venus Zoleta

Venus Zoleta

Last updated October 01, 2022

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 by using your credit card. 

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.

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 an 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.

Easy Approval Credit Card Application in the Philippines: Top 13 Options

Citi Simplicity+

✅ 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: 2%

📝 Citi Simplicity+ 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

Citibank is known for the easiest credit card approval. And the Citi Simplicity+ credit card is one of the easiest Citi credit cards 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.

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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HSBC Red Mastercard

easy approval credit card application in the 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: 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 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 fast approval and application in the Philippines. 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.

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EastWest Practical Mastercard

easy approval credit card application in the Philippines - eastwest practical mastercard

✅ Monthly income requirement: ₱10,000

Annual fee: ₱1,400

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 Alien Certificate of Residence (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.

Read more: 

PNB Visa Classic

credit cards with easy application requirements - pnb visa classic

✅ Monthly income requirement: ₱10,000

✅ Annual fee: ₱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
  • 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 to own because of its low annual fee that’s waived for the first year.

BPI Edge Mastercard

easy approval credit card application in the Philippines - bpi edge mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,320 (free for the first year)

✅ Interest rate: 2%

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

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: ₱2,000 to ₱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 ₱15,000 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.

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.

PNB Ze-Lo Mastercard

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

Monthly income requirement: ₱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 (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

AUB Easy Mastercard

Monthly income requirement: ₱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 year
  • Self-employed applicants must be in 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

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. So if you're looking for the easiest credit card to get, consider this one.

Read more: Say Goodbye to Late Payments―Choose from These Credit Card Payment Methods

AUB Classic Mastercard

AUB Classic Mastercard

Monthly income requirement: ₱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 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?

Related articles:

AUB Platinum Mastercard

easy approval credit card application philippines -AUB Platinum Mastercard

✅ Monthly income requirement: ₱100,000

✅ Annual fee: Free

✅ Interest rate: 2%

📝 AUB Platinum Mastercard application requirements:

  • 21 to 65 years old
  • 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
  • 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 the AUB Platinum Mastercard, 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: 2%

📝 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. 

It also comes in handy if you love traveling. Enjoy global acceptance in-store and online, pay in Philippine peso 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: ₱15,000

✅ Annual fee: Free

✅ Interest rate: 2%

📝 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 Visa

✅ Monthly income requirement: ₱30,000

✅ Annual fee: ₱2,050

✅ Interest rate: 2%

📝 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 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.

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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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.