Top 24 Easiest Credit Cards to Get in the Philippines

Venus Zoleta

Venus Zoleta

Last updated July 10, 2024

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. You can also buy big-ticket items, such as the latest gadgets, especially if your card offers a 0% installment plan with flexible terms.

However, the lengthy approval process and stringent requirements stop a lot of people from getting credit cards. 

The good news is, you have options! Check out the easiest credit cards to get approved for in the Philippines. 

24 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
UnionBank Rewards Credit Card - Aug 2023
APPLY NOW
  • At least 21 years old
  • Resident of the Philippines 
  • Postpaid line or postpaid mobile phone
  • Valid ID with photo and signature
  • TIN and SSS/GSIS/UMID
  • Proof of income
Metrobank Titanium Mastercard®
 METROBANK TITANIUM MASTERCARD
APPLY NOW
  • 18 to 70 years old
  • Valid ID
  • TIN, SSS, or GSIS
  • Active landline and mobile number
  • At least six months employed or principal cardholder with another bank
HSBC Red Mastercard
hsbc red
APPLY NOW
  • Proof of identity
  • Proof of residence
  • Existing credit card owned for at least six months
BPI Rewards Card
BPI Rewards Card
APPLY NOW
  • Valid ID with picture
  • Proof of income or credit card statement from another bank
Security Bank Gold Mastercard
Gold_Contactless_2022-2026-1
COMPARE NOW
  • Filipino citizen and Philippine resident
  • 21 to 65 years old
  • Valid ID 
  • Active landline number and email address
  • Employed for at least one year or self-employed for at least three years
  • Proof of income
PNB Ze-Lo Mastercard
pnb zelo
COMPARE NOW
  • 21 to 65 years old
  • Valid ID 
  • Proof of income
  • Proof of billing (for non-carded or non-depositor)

Read on for more details and credit card options.

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,500 

✅ Interest rate: 3%

📝 UnionBank Rewards Credit Card application requirements:

  • At least 21 years old
  • Resident of the Philippines with a valid billing address
  • Postpaid line or postpaid mobile phone
  • Valid ID with photo and signature
  • TIN and SSS/GSIS/UMID number
  • Proof of income: ITR, three-month payslip, BIR Form 2316, original Certificate of Employment, etc. 
  • For foreign residents: 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, 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. Use the points to redeem free merch, cash credits, points transfers, and more.

Read more: Get More Rewards: How to Earn Credit Card Points Quickly


🎁 Free Gift from Moneymax: Marshall Emberton II, Dolce Gusto Genio S Plus, Apple AirPods 2, JBL Tune 720BT, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: UnionBank credit cards

Promo period: Until July 31, 2024

Get a Marshall Emberton II worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, JBL Tune 720BT Wireless Headphones worth ₱4,699, or Giftaway cash credits worth ₱4,000! Just apply for any eligible UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank welcome gift promo runs until July 31, 2024 only.

Per DTI Fair Trade Permit No. FTEB-196279 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


UnionBank U Visa Platinum 

UnionBank U Visa Platinum

✅ Monthly income requirement: ₱15,000

✅ Annual fee: None

✅ Interest rate: 3%

📝 UnionBank U Visa Platinum application requirements:

  • At least 21 years old
  • Resident of the Philippines with a valid billing address
  • Postpaid line or postpaid mobile phone
  • Valid ID with photo and signature
  • TIN and SSS/GSIS/UMID number
  • Proof of income: ITR, three-month payslip, BIR Form 2316, original Certificate of Employment, etc. 
  • For foreign residents: Alien Certification of Registration (ACR) or its equivalent document

New to credit cards and looking for a no-frills option? The UnionBank U Visa Platinum comes with no annual, late payment, and overlimit fees. Plus, enjoy a 10% rebate on interest charges when you pay at least the minimum due on or before the due date.

UnionBank Cash Back Visa Platinum 

UnionBank Cash Back Visa Platinum Credit Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱4,500

✅ Interest rate: 3%

📝 UnionBank Cash Back Visa Platinum application requirements:

  • At least 21 years old
  • Resident of the Philippines with a valid billing address
  • Postpaid line or postpaid mobile phone
  • Valid ID with photo and signature
  • TIN and SSS/GSIS/UMID number
  • Proof of income: ITR, three-month payslip, BIR Form 2316, original Certificate of Employment, etc. 
  • For foreign residents: Alien Certification of Registration (ACR) or its equivalent document

The UnionBank Cash Back Visa Platinum streamlines your everyday spending. Enjoy up to 6% rebates on supermarket spend, up to 2% on Meralco bills paid through UnionBank Online, and 0.20% cashback on other daily spend. 

One of the best things about this card is that the cashback doesn’t expire. Easily redeem it anytime you want!  

Metrobank Titanium Mastercard®

Metrobank Titanium

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,500 

✅ Interest rate: 3%

📝 Metrobank Titanium Mastercard® application requirements:

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

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 definitely one of the easiest credit cards to get approved for in the Philippines. 

Easily earn points with your Metrobank Titanium Mastercard®. Every ₱20 spend is equivalent to 1 rewards point. Earn 2x points on dining, online, and department store transactions.  

Bonus: If you want to avoid annual fees for life, apply for this card until August 31, 2024. Terms and conditions apply. 

Read more: Metrobank Credit Card Rewards: How to Make Every Swipe Rewarding


🎁 Free Gift from Moneymax: Cash Credits, Dolce Gusto Piccolo XS, or JBL Go 4

moneymax metrobank credit card promo

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until July 31, 2024

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between a Dolce Gusto Piccolo XS worth ₱5,199, a JBL Go 4 Ultra-Portable Bluetooth Speaker worth ₱2,599, or Giftaway cash credits worth ₱2,500.

This Moneymax Metrobank eGift/Dolce Gusto/JBL promo runs until July 31, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-196379 Series of 2024. Terms and conditions apply. 

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.


HSBC Red Mastercard

HSBC Red Mastercard

✅ Monthly income requirement: ₱17,000

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

✅ Interest rate: 3%

📝 HSBC Red Mastercard application requirements:

  • Proof of identity: 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 addressed to the applicant’s permanent and primary address)
  • An existing credit card owned for at least six months

Despite an active credit card requirement, the HSBC Red Mastercard offers an easy credit card application process with its low income and straightforward documentary requirements. As such, it’s the ideal credit card for young professionals. 

Get 4x rewards points on shopping, dining, online, and overseas spend. Earn up to 6% rebate when you fuel up at Caltex. 

Travelers will also love the Red Mastercard because of HSBC’s home&Away Privilege Programme. The said system comes with exclusive travel deals at more than 27,000 establishments across 160 countries, regions, and territories worldwide. 

Read more: What to Do With Your HSBC Rewards Points and How to Redeem Them


🎁 Free Gift from Moneymax: Giftaway Cash Credits, JBL Flip 6, or JBL Tune 115TWS

moneymax hsbc credit card promo

Eligible card: HSBC Red Mastercard 

Promo period: Until July 31, 2024

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 welcome gift! Choose from free Giftaway cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Tune 115TWS worth ₱4,699.

This Moneymax HSBC Giftaway/JBL promo runs until July 31, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-196115 Series of 2024. Terms and conditions apply. 


BPI Rewards Card

BPI Rewards Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550 (waived for the first year)

✅ Interest rate: 3%

📝 BPI Rewards Card application requirements:

  • Front and back portion of a valid ID with picture (government-issued ID like passport or driver’s license or company ID issued by private organizations registered with BSP, SEC, or IC)
  • Proof of income or a copy of your credit card statement from another bank

With its low annual income requirement, straightforward list of requirements, and easy credit card application process, the BPI Rewards Card is the perfect choice for first-timers. 

Earn 1 BPI point, which you can use to redeem exclusive deals, for every ₱35 spend. Make spending more manageable with this card's flexible installment plans of up to 36 months. Book your flights with your BPI Rewards card and get free insurance worth up to ₱2 million. 

Petron BPI Card

Petron BPI Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550 (waived for the first year)

✅ Interest rate: 3%

📝 Petron BPI Card application requirements:

  • Front and back portion of a valid ID with picture (government-issued ID like passport or driver’s license or company ID issued by private organizations registered with BSP, SEC, or IC)
  • Proof of income or a copy of your credit card statement from another bank

The Petron BPI Card shares the BPI Rewards Card's annual income and application requirements, making it one of the easiest credit cards to get approved for in the Philippines. However, the Petron BPI credit card is the obvious choice if you're frequently on the road. 

Get a ₱200 fuel voucher when you sign up for this card, earn a 3% rebate (maximum of ₱15,000 every year) when you gas up at participating Petron stations, and enjoy other car-related perks.

BPI Amore Cashback Card

BPI Amore Cashback Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,050 (waived for the first year)

✅ Interest rate: 3%

📝 BPI Amore Cashback Card application requirements:

  • Front and back portion of a valid ID with picture (government-issued ID like passport or driver’s license or company ID issued by private organizations registered with BSP, SEC, or IC)
  • Proof of income or a copy of your credit card statement from another bank

Enjoy exclusive privileges at any Ayala Mall nationwide with this card. Earn 4% cashback on your grocery shopping, 1% on medicines and utility bills, and 0.3% on all other local retail purchases

Shopping abroad? Like other BPI credit cards, the BPI Amore Cashback Card offers one of the lowest forex conversion rates at 1.85%. 

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 Card

BPI Edge Card

✅ Monthly income requirement: ₱15,000

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

✅ Interest rate: 3%

📝 BPI Edge Card application requirements:

  • Front and back portion of a valid ID with picture (government-issued ID like passport or driver’s license or company ID issued by private organizations registered with BSP, SEC, or IC)
  • Proof of income or a copy of your credit card statement from another bank

The Edge Card is perhaps the easiest credit card to get from BPI, thanks to its low income requirements and affordable annual fees. The requirements are also light.

This basic credit card is packed with practical features. For instance, it earns 1 rewards point for every ₱50 spend. You also have multiple installment options, such as real 0% installment, Buy Now Pay Later, and Bonus Madness limit.

Security Bank Gold Mastercard

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
  • Valid ID with photo
  • Active landline number and email address
  • Employed for at least one year or self-employed for at least three years
  • For employed: Signed COE or ITR or one-month payslip
  • For self-employed: ITR and two years' worth of Audited Financial Statement (AFS) and SEC/DTI Registration

While it has a relatively higher income requirement, the Security Bank Gold Mastercard has a short list of application requirements, making it an easy-to-apply credit card. Use it to earn 1 non-expiring point for every ₱20 spend. 

Love traveling? This card is globally accepted. It even entitles you to access to local airport lounges such as A Lounge, Marhaba Lounge, and PAGSS Lounge.

Read more:

PNB Ze-Lo Mastercard

PNB Ze-Lo Mastercard

✅ Monthly income requirement: ₱10,000

✅ Annual fee: No annual fees for life

✅ Interest rate: 2.5%

📝 PNB Ze-Lo Mastercard application requirements:

  • 21 to 65 years old
  • Government ID with picture and signature
  • For employed applicants: Certificate of Employment (with position, date hired, and gross income), ITR, latest one-month payslip, or active principal credit card (with at least one-year membership)
  • For self-employed applicants: Latest ITR with BIR stamp and AFS
  • Proof of billing (for non-carded or non-depositor)

The PNB Ze-Lo Mastercard’s[2] monthly income requirement is pretty low. Its documentary requirements are also easy to collate. 

It offers one of the lowest interest rates, which makes it an ideal credit card for everyday and recurring expenses, such as groceries. 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. You also have several installment programs at your disposal.

PNB Visa Classic

PNB Visa Classic

✅ Monthly income requirement: ₱10,000

✅ Annual fee: ₱300 

✅ Interest rate: 3%

📝 PNB Visa Classic application requirements:

  • 21 to 65 years old
  • Government ID with picture and signature
  • For employed applicants: Certificate of Employment (with position, date hired, and gross income), ITR, latest one-month payslip, or active principal credit card (with at least one-year membership)
  • For self-employed applicants: Latest ITR with BIR stamp and AFS
  • Proof of billing (for non-carded or non-depositor)

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. 

This credit card has a slew of useful features perfect for everyday spending. For one, you get a 1% rebate on your revolved interest. For big-ticket purchases, you can choose from the bank’s installment programs, such as Transaction Conversion and Zero Affordable Payment Plan (ZAPP), with the latter applying to partner merchants.

PNB Essentials Mastercard

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 ID with picture and signature
  • For employed applicants: Certificate of Employment (with position, date hired, and gross income), ITR, latest one-month payslip, or active principal credit card (with at least one-year membership)
  • For self-employed applicants: Latest ITR with BIR stamp and AFS
  • Proof of billing (for non-carded or non-depositor)

Like the other PNB credit cards above, this card has a low annual fee and annual income requirement. With this card, you can earn rewards points for cash credits and Mabuhay Miles.

This credit card also comes in handy if you love traveling. Enjoy global acceptance in-store and online, plus pay in Philippine pesos for transactions in other countries.

PNB Cart Mastercard

PNB Cart Mastercard

✅ Monthly income requirement: ₱10,000

✅ Annual fee: No annual fees for life

✅ Interest rate: 3%

📝 PNB Cart Mastercard application requirements:

  • 21 to 65 years old
  • Government ID with picture and signature
  • For employed applicants: Certificate of Employment (with position, date hired, and gross income), ITR, latest one-month payslip, or active principal credit card (with at least one-year membership)
  • For self-employed applicants: Latest ITR with BIR stamp and AFS
  • Proof of billing (for non-carded or non-depositor)

Do you prefer shopping online? The PNB Cart Mastercard is the perfect credit card for you! Aside from online purchases, you can also use it to pay for online services such as Spotify and Netflix. 

Don't worry—it comes with free purchase protection insurance, so you're covered against purchase damage and theft. With free fraud transaction insurance, you're also protected from unauthorized charges and fraudulent transactions.

Note that the PNB Cart Mastercard is only a virtual credit card—it doesn't come with a physical card.

AUB Easy Mastercard

AUB Easy Mastercard-1

✅ Monthly income requirement: ₱50,000

✅ Annual fee: No annual fee for life

Interest rate: 3%

📝 AUB Easy Mastercard application requirements:

  • 21 to 65 years old
  • Mobile number, landline phone (residence or office), email address
  • Government-issued ID
  • Statement of account for postpaid mobile subscription
  • Regular employee working for a duly registered company for at least one year, or self-employed with a duly registered business operating profitably for at least one year
  • For employed: Certificate of Employment, latest ITR, latest one-month pay slip
  • For self-employed: Latest ITR (Form 1707, 1701Q), latest financial statements, and DTI registration (preferably with the applicant’s name)

While it has the highest minimum income requirement on this list, the AUB Easy Mastercard doesn’t have complicated requirements and winding application procedures. So if you're looking for an easy-to-apply-for credit card in the Philippines, consider this one.

Enjoy the freedom to choose when and how much they want to pay―once a month, twice a month, or 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.

Lastly, get waived annual membership fees for life and enjoy 0% interest on new purchases with this card. 

RCBC Landmark Anson's Mastercard

RCBC Landmark Ansons

✅ Monthly income requirement: ₱15,000

✅ Monthly fee: ₱80 

✅ Interest rate: 3%

📝 RCBC Landmark Anson's Mastercard application requirements:

  • 21 to 65 years old
  • Mobile number and landline in your workplace
  • One photo-bearing valid ID with signature (e.g., passport, UMID, or driver’s license)
  • For employed applicants: Proof of income such as latest ITR, latest payslip stating monthly salary, original Certificate of Employment, or latest bank statement showing the crediting of the month’s salary
  • For self-employed applicants: Proof of income such as latest Audited Financial Statement (AFS) with BIR or bank stamp, latest ITR, or latest bank statement showing the crediting of the month’s cash credits or sales receipt

The RCBC Landmark Anson's Mastercard has a low income requirement, a beginner-friendly monthly fee, and a list of requirements that doesn't look too intimidating. 

Once you get approved, enjoy a 3% rebate at Landmark and Anson’s every Monday to Friday. Use this card outside Landmark and Anson’s and still earn non-expiring rewards points. 

The RCBC Landmark Anson’s Mastercard also comes with travel privileges. These include free travel insurance, purchase protection, and access to PAGSS Lounge at NAIA Terminals 1 and 3.

RCBC Classic Mastercard

RCBC Classic Mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 RCBC Classic Mastercard application requirements:

  • 21 to 65 years old
  • Mobile number and landline in your workplace
  • One photo-bearing valid ID with signature (e.g., passport, UMID, or driver’s license)
  • For employed applicants: Any proof of income such as latest ITR, latest payslip stating monthly salary, original Certificate of Employment, or latest bank statement showing the crediting of the month’s salary
  • For self-employed applicants: Any proof of income such as latest Audited Financial Statement (AFS) with BIR or bank stamp, latest ITR, or latest bank statement showing the crediting of the month’s cash credits or sales receipt

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.

This card earns non-expiring rewards points, which you can exchange for air miles, rebates, shopping vouchers, and other exciting perks. You even get access to a free budget monitoring tool so you can keep your spending in check.

RCBC Classic JCB

RCBC Classic JCB

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 RCBC Classic JCB application requirements:

  • 21 to 65 years old
  • Mobile number and landline in your workplace
  • One photo-bearing valid ID with signature (e.g., passport, UMID, or driver’s license)
  • For employed applicants: Any proof of income such as latest ITR, latest payslip stating monthly salary, original Certificate of Employment, or latest bank statement showing the crediting of the month’s salary
  • For self-employed applicants: Any proof of income such as latest Audited Financial Statement (AFS) with BIR or bank stamp, latest ITR, or latest bank statement showing the crediting of the month’s cash credits or sales receipt

Whether you’re a young professional or a credit card newbie, the RCBC Classic JCB card will help you navigate the world of credit spending. The documents aren’t too hard to collate, so you can enjoy an easy credit card application process. 

Earn non-expiring rewards points from your purchases and transactions. Exchange these points for cash rebates, air miles, shopping vouchers, cash credit to your RCBC credit card account, deposits to your RCBC deposit account, or even donations. 

And if you’re traveling soon, you’ll get free travel insurance as long as you charge all your international travel-related needs to your credit card.

RCBC Flex Visa

RCBC Flex Visa

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 RCBC Flex Visa application requirements:

  • 21 to 65 years old
  • Mobile number and landline in your workplace
  • One photo-bearing valid ID with signature (e.g., passport, UMID, or driver’s license)
  • For employed applicants: Any proof of income such as latest ITR, latest payslip stating monthly salary, original Certificate of Employment, or latest bank statement showing the crediting of the month’s salary
  • For self-employed applicants: Any proof of income such as latest Audited Financial Statement (AFS) with BIR or bank stamp, latest ITR, or latest bank statement showing the crediting of the month’s cash credits or sales receipt

The RCBC Flex Visa 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, get free travel insurance (Travel Plus Lite), purchase protection, and access to PAGSS Lounge at NAIA Terminals 1 and 3.

PSBank Credit Mastercard

PSBank Mastercard CTA

✅ Monthly income requirement: ₱15,000

✅ Annual fee: Waived for life

✅ Interest rate: 3%

📝PSBank Credit Mastercard application requirements:

  • Valid ID (e.g., PhilID, passport, driver’s license, PRC ID, GSIS E-Card, etc.)
  • Average daily balance (ADB) or tidal relationship balance (TRB) worth at least ₱188,000 for the last four months
  • An existing credit card with another bank with a limit of at least ₱25,000 issued for at least nine months
  • For employed applicants: Proof of income such as latest ITR, payslip for the last three months, Certificate of Employment 
  • For self-employed applicants: Proof of income such as latest Audited Financial Statement, copy of SEC or DTI business registration
  • For foreign applicants: Copy of visa, copy of Alien Certificate of Registration (ARC), and Immigrant’s Certificate of Residence

Already have a savings account with PSBank? If you're looking for one of the easiest credit cards to get approved for in the Philippines, check out the PSBank Credit Mastercard! Your annual fees are waived forever—now that’s one less payment to worry about.

The PSBank Credit Mastercard is accepted in more than 23 million shops and outlets worldwide. This means that you can bring this credit card on trips abroad. 

If you’re planning to buy a big-ticket item, you can enjoy its 0% installment program. This program is applicable to other expenses, such as tuition fees, travel fares, accommodations, and hospital bills. Choose from the following installment terms: three, six, nine, 12, 18, and 24 months.

China Bank Prime Mastercard 

China Bank Prime Mastercard

✅ Monthly income requirement: ₱20,833

✅ Annual fee: ₱1,500 (free for the first year)

✅ Interest rate: 3%

📝 China Bank Prime Mastercard application requirements:

  • 21 to 65 years old
  • Filipino or foreigner employed and permanently residing in the Philippines
  • Valid government-issued ID with photo and signature
  • Valid email address, mobile, and landline number 
  • Existing/active credit card for at least 12 months 
  • For employed applicants: Latest three months' payslips, original certificate of employment, or latest BIR Form 2316
  • For self-employed applicants: Latest Audited Financial Statements and BIR Form 1701
  • For embassy employees/non-immigrants: Alien Certificate of  Registration (ACR) or I-Card (ICR), valid passport or visa 

While the China Bank Prime Mastercard does require an existing credit card, the other requirements are easy to procure. Plus, the minimum income requirement isn't too bad.

With this everyday credit card, you earn 1 rewards point for every ₱30 qualified spend. It's also perfect if you prefer shopping online, as it comes with a virtual companion card. Lastly, you get to enjoy more shopping perks with a complimentary China Bank-SMAC membership.[3] 

EastWest Privilege Classic Mastercard and EastWest Visa Privilege Classic

EastWest Privilege Classic Mastercard
EastWest Visa Privilege Classic

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 EastWest Privilege Classic Mastercard/Visa Privilege Classic application requirements:

  • At least 21 years old 
  • Filipino citizen or local resident foreigner
  • Residence landline or mobile phone and business landline
  • One photo-bearing valid ID with signature (e.g., driver’s license, passport, PRC ID, SSS ID, BIR ID, Postal ID, company ID, etc.)
  • For employed applicants: Proof of income such as latest ITR, Certificate of Employment with compensation breakdown, latest three months payslips, etc. 
  • For self-employed applicants: Proof of income such as latest BIR Form 1701, latest Audited Financial Statements (AFS), valid credit card reference, latest statement of account
  • For local resident foreign applicants: Alien Certificate of Registration with Permanent Status, Visa issued under Section 9d and 9g of Immigration Act of 1940, Embassy Certification, etc. 

The EastWest Privilege Mastercard and Visa Privilege Classic are two of the easiest credit cards to get approved for in the Philippines. As such, it’s perfect for credit card newbies. 

Earn 1 rewards point for every ₱100 spend. The points are convertible to eGift Rewards or Limitless Rewards Vouchers. You may also redeem cash rebates and miles with your points. 

Security Bank Fast Track Secured Credit Card

Security Bank Fast Track Secured Credit Card

✅ Monthly income requirement: None

✅ Annual fee: Depends on the Security Bank credit card you qualify for; free for the first year

✅ Interest rate: 3%

📝Security Bank Fast Track application requirements:

  • At least 21 years old
  • Valid ID
  • Security Bank savings account with at least ₱25,000 hold-out amount
  • For non-Filipino residents: Alien Certificate of Registration (ACR), work permit, or Embassy Accreditation Papers
  • For joint accounts: Both must sign the hold-out agreement portion of the Fast Track Application Form

Security Bank Fast Track is a secured credit card that guarantees 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. Choose from the Gold Mastercard, Platinum Mastercard, or Wave Mastercard.

You can 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 banking 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.  

These are just some of the easiest credit cards to get approved for in the Philippines. If you want to compare credit cards with easy approval in the Philippines, Moneymax’s free and easy-to-use platform allows you to do just that.

Compare credit cards with Moneymax

Sources: 

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Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore Hallyu Tita, she loves bingeing Korean shows on Netflix while bonding with her cats. Follow Venus on LinkedIn.

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