Top 22 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. 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. 

22 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 21 years old Resident of the Philippines with a valid billing address Postpaid line or postpaid mobile phone TIN and SSS/GSIS/UMID number
Metrobank Titanium Mastercard®	At least 18 to 70 years old Valid TIN, SSS or GSIS Number Valid ID Active business or residence landline number and mobile number At least 6 months employed as a regular employee or at least 2 years in the current business if self-employed
HSBC Red Mastercard	At least 21 to 65 years old Proof of identity Proof of residence An existing credit card owned for at least six months
Security Bank Gold Mastercard	Filipino citizen and Philippine resident At least 21 to 65 years old Valid ID Active landline number and email address Employed for at least 1 year or self-employed for at least 3 years For employed: COE / ITR / three-month payslip  For self-employed: ITR / two years' worth of AFS / SEC/DTI Registration Security Bank depositor for at least 12 months
BPI Rewards Card	Valid ID  Proof of income or a copy of credit card statement from another bank
PNB Ze-Lo Mastercard	At least 21 to 65 years old Filipino citizen and Philippine resident Valid ID For employed: COE / one-month pay slip / ITR For self-employed: ITR and AFS Proof of billing (for non-carded or non-depositor)

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 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: BIR Form 2316, payslip, 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

UnionBank Cash Back Visa Platinum 

✅ 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 
• One photo-bearing government-issued ID with date of birth or identification number
• TIN and SSS/GSIS/UMID number
• Proof of income: BIR Form 2316, payslip, Latest ITR (1700 or 1701) with BIR or bank stamp, original Certificate of Employment
• If with a credit card from other banks: Account must be current and in good standing
• For foreign residents: Valid passport or Alien Certificate of Registration (ACR)

The UnionBank Cash Back Visa Platinum is the perfect credit card for streamlining everyday spending. It rewards you with cashback on purchases. 

For instance, you can enjoy up to 6% rebates on supermarket spend. And if you pay your Meralco bills through UnionBank Online, you get up to 2% cashback. Daily spend on all other purchases, meanwhile, earns you 0.20% cashback. 

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

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
• 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 at least two years in the current business if self-employed

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. You also 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 April 30, 2024. Terms and conditions apply. 

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

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:

• 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 requirement and straightforward documents. As such, it’s the ideal credit card for young professionals. 

If you get approved, get 4x rewards points on shopping, dining, online, and overseas spend. Earn a 3% 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. 

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

The Security Bank Gold Mastercard has a short list of application requirements, making it an easy-to-apply credit card. 

With the Security Bank Gold Mastercard, your annual fee is waived for the first year. Earn 1 non-expiring point for every ₱20 spend. 

Love traveling? This card is globally accepted. It even entitles you to unlimited access to the Marhaba Lounge at NAIA Terminals 1 and 3.

Read more:

• How to Use a Security Bank Credit Card for Different Transactions
• 4 Security Bank Credit Card Installment Plans for Hassle-Free Payments

BPI Rewards Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550

✅ 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 and easy credit card application process, the BPI Rewards Card is the perfect choice for first-timers. Moreover, the documentary requirements are easy to comply with. 

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. 

If you’re dealing with an emergency, you can withdraw 30% of your credit limit via the card’s cash advance feature. Book your flights with your BPI Rewards card and get free insurance worth up to ₱2 million. 

Lastly, use this card to take advantage of a variety of year-round perks and discounts.

Petron BPI Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,550

✅ 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 per year) when you gas up at participating Petron stations, and enjoy other car-related perks.

In case you deal with an unforeseen circumstance, just withdraw 30% of your available credit limit through cash advance. 

BPI Amore Cashback Card

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱2,050

✅ 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

This card comes with plenty of perks! Enjoy exclusive privileges at any Ayala Mall nationwide with this card. Earn 4% cashback on your grocery shopping, 1% cashback on medicines and utility bills, and 0.3% cashback 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%. 

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 Card

✅ Monthly income requirement: ₱15,000

✅ Monthly fee: ₱110 (free 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.

While it seems like a basic credit card, it’s 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 extra installment limit.

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
• Filipino citizen and Philippine resident
• 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 not that high. 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.

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 

✅ Interest rate: 3%

📝 PNB Visa Classic application requirements:

• 21 to 65 years old
• Filipino citizen and Philippine resident
• 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

✅ Monthly income requirement: ₱10,000

✅ Annual fee: ₱1,200

✅ Interest rate: 3%

📝 PNB Essentials Mastercard application requirements:

• 21 to 65 years old
• Filipino citizen and Philippine resident
• 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 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: ₱50,000

✅ Annual fee: No annual fee for life

✅ Interest rate: 3%

📝 AUB Easy Mastercard application requirements:

• 21 to 65 years old
• Filipino citizen 
• Mobile number, at least one landline phone (residence or office), email address
• 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 a relatively higher minimum income requirement than most cards on this list, the AUB Easy Mastercard doesn’t have complicated requirements and winding application procedures.

The bank gives users 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.

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 an easy-to-apply-for credit card in the Philippines, consider this one.

AUB Classic Mastercard

✅ Monthly income requirement: ₱50,000

✅ Annual fee: No annual fee for life

✅ Interest rate: 3%

📝 AUB Classic Mastercard application requirements:

• 21 to 65 years old
• Filipino citizen 
• Mobile number, at least one landline phone (residence or office), email address
• 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)

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 and hassle-free application process, 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 supplementary cards without needing to pay annual fees for life! Sounds promising, right?

RCBC Landmark Anson's Mastercard

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱960 

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

Once you get approved, you can enjoy a 3% rebate at Landmark and Anson’s every Monday to Friday. Nevertheless, you can 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

✅ 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, 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

✅ 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. 

It earns 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. 

This card also helps you take control of your finances with its budget management features, such as spend monitor, spend analyzer, installment, balance conversion, and balance transfer. 

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

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

PSBank Credit Mastercard

✅ 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

Looking for a credit card that won’t bother you with annual fees? Check out the PSBank Credit Mastercard. 

With this card, your annual fees are waived forever—now that’s one less payment to worry about! Plus, it’s one of the easiest credit cards to get approved for in the Philippines. 

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. 

And if you’re planning to buy a big-ticket item like a flatscreen TV or a new laptop, you can enjoy its 0% installment program. This program is also 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 

✅ 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

✅ Monthly income requirement: ₱15,000

✅ Annual fee: ₱1,500

✅ Interest rate: 3%

📝 EastWest Privilege Classic Mastercard application requirements:

• At least 21 years old 
• Filipino citizen or local resident foreigner
• Residence or business address should be within Metro Manila 
• 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 is one of the easiest credit cards to get approved for in the Philippines. As such, it’s perfect for credit card newbies. 

Your EastWest Privilege Mastercard entitles you to 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. 

Should you need quick cash during an emergency, you can use your card’s cash advance facility. It allows you to withdraw up to 50% of your credit limit. 

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
• Accomplished holdout agreement form
• 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 savings account with at least ₱25,000 hold-out amount

Security Bank’s Fast Track 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. Choose from the Gold Mastercard, Platinum Mastercard, or Wave Mastercard.

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 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.

Sources: 

• ^[1] Metrobank Titanium Mastercard^®
• ^[2] PNB Ze-Lo Mastercard
• ^[3] Chinabank Prime Mastercard

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