pay tuition with a credit card | Moneymax

Parents always believe that education is the best thing they can leave their children with. Being educated provides children a lifetime shield against poverty. Because education is very important in Filipino culture, parents, regardless of economic status, do their best to send their kids to the best learning institution.

When it comes to a child’s learning journey, parents need to face the challenge of paying the price. How much do you need to save for your child’s education? And if you haven’t saved enough to pay in cash and check, what are the ways for you to pay? Is it possible to pay tuition with a credit card? Should you apply for a personal loan to settle school fees?

With the pandemic, we’re all faced with a crisis that could make it difficult for us to pay for tuition, miscellaneous, and other school fees in cash and in person. So, here are a few ways to settle these without compromising your health, safety, cash flow, and financial security.

Ways to Safely and Easily Pay for Tuition in the Philippines

Credit Card

We all know how credit cards in the Philippines can help parents pay installment tuition fees. Without the need for cash on hand, cardholders can settle all school fees through a credit card and repay in installments. The mode of repayment highly depends on the terms and conditions set by the credit card issuer for this privilege.

Pros of Paying Tuition with a Credit Card

pay tuition with a credit card - pros and cons
  • Convenience – You can pay the full tuition along with other fees in full and repay the bank in installments.
  • Affordability – Most credit card issuers charge as low as a 1% monthly add-on rate. However, you need to check with the school if it requires additional fees when you pay with credit cards instead of cash or check. Some schools may charge processing fees on top of your total payable amount.
  • Ease of use – Depending on your child’s school, you can visit it once and swipe your card for payment, or you can pay online using the school’s financial information via a payment gateway. You can also have it enrolled as one of your billers.
  • Rewards – Some credit cards let you earn points when used to pay for tuition.

Cons of Paying Tuition with a Credit Card

  • The credit limit may be too low to use a credit card to pay for school fees
  • Not all schools accept credit cards
  • Not all credit cards will be accepted by the schools

Schools That Accept Credit Card Tuition Fee Payment in the Philippines

  • University of the East
  • De La Salle University
  • Lyceum of the Philippines
  • Adamson University
  • Ama Computer College
  • Ateneo de Manila – Quezon City
  • Asia Pacific College
  • MSA Group Inc.
  • Colegio De San Juan De Letran
  • Don Bosco Technical College
  • Fatima Medical Science
  • College of Oral Implantology
  • National College of Science
  • Meycauayan Doctors
  • Kester Grant College
  • Asian Institute of Management
  • Ateneo de Davao University
  • ICCT Colleges Foundation
  • Holy Child School of Davao
  • Our Lady of Fatima College
  • Pasig Catholic College
  • Assumption College – San Lorenzo
  • Colegio de San Lorenzo
  • FEU-East Asia College
  • University of San Jose Recoletos
  • Ateneo de Manila – Rockwell
  • Central Philippine University
  • Centro Escolar University
  • Meycauayan College
  • Far Eastern University
  • First Integrated Educational Systems
  • Informatics College Manila Inc.
  • San Beda College Alabang
  • Miriam College
  • Our Lady of Perpetual Succor
  • Thomas Moore College
  • Saint Pedro Poveda College
  • Southville International School
  • University of Santo Tomas
  • Sotogrande Teaching Institute
  • Philippine Women’s College of Davao
  • San Juan De Dios Education
  • Silliman University
  • Southwestern University
  • St. Jude College
  • St. Paul University
  • Trace College
  • The University of Asia and the Pacific
  • University of Perpetual Help
  • University of San Carlos
  • University of St. La Salle

Read more: Spoil Your Mom on Mother’s Day with These Thoughtful Gift Ideas

How to Pay Tuition with a Credit Card

  • Enroll your child’s school as a biller.
  • Avail of balance transfer.
  • Pay with a credit card via the school’s online payment platform.
  • Swipe your credit card from the school’s point-of-sale terminal.
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Credit Card Tuition Fee Promos You Can Avail

HSBC Balance Conversion Plan for Tuition Fees

HSBC’s Card Balance Conversion Plan for Tuition Fees[2] allows you to use your HSBC credit card at monthly interest rates of 1% for six months and 0.75% for 12 and 24 months. A processing fee of PHP 250 is charged for each approved application.

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BPI SIP Balance Transfer Loan

pay tuition with a credit card - BPI SIP promo

The SIP Balance transfer promo comes with a 21.01% effective interest rate for 36 months. BPI will also charge a service fee of PHP 100 until October 10, 2021 which will increase to PHP 300 starting October 11, 2021.

Use your BPI credit card to avail of the Special Installment Plan[1] promo to enjoy the BPI tuition fee installment in 2021. SIP is just a way of simplifying things with just one card. You can convert your credit limit into cash, which will be directly credited to your BPI savings account in four days or through a manager’s check that will be available seven days after your application.

Read more: Exciting BPI Credit Card Promos to Check Out

Security Bank SimplyPay

All Security Bank Mastercard credit cardholders can avail of Security Bank’s SimplyPay facility.

You’ll get a notification via email to acknowledge the transaction as proof of whether the application is approved or declined. Once approved, you’ll need to pay a transaction fee of PHP 1,000 for straight payment and PHP 3,000 for installment payment.

Read more: 21 Exciting Security Bank Credit Card Promos You Shouldn’t Miss

When Should You Use a Credit Card Tuition Fee Promo?

  • You don’t have enough cash.
  • You’re eligible for a 0% interest rate or lower interest charges than loans and other modes of payments.
  • The processing fee is reasonable.
  • You’re bound to make a minimum spend to be entitled to a gift or rebate.
  • Your credit card offers huge rewards and cashback.
  • You have enough credit limit.
  • You can pay in installments.

Debit Card

pay tuition with a debit card

Paying with debit cards is almost the same as paying with your credit card. The only difference is that you need to have available money in your account to proceed with the tuition payment successfully.

Pros of Paying Tuition with a Debit Card

  • You’re not borrowing money because you’re spending your own.
  • You can pay remotely.
  • You don’t need to endure long queues to withdraw cash.
  • Your payment is credited at a shorter period compared with tuition fee installment with credit cards.

Cons of Paying Tuition with a Debit Card

  • You should have enough funds in your account.
  • You might be tempted to apply for an expensive loan just to have the cash available.

Schools That Accept Debit Card Tuition Fee Payment in the Philippines

All schools that allow you to pay school fees with a credit card will also accept debit cards. Inquire at the school’s registrar to ensure that online transfers and payments through debit cards are allowed.

How to Pay Tuition with a Debit Card

  • Bank transfer or online transfer to the school’s nominated account number
  • Entering your debit card details via the school’s payment gateway


pay tuition with an e-wallet

GCash,[3] PayMaya, and Coins. ph are a few examples of the most commonly used e-wallets in the Philippines that facilitate bills payment. PayMaya has partnered with 40 schools nationwide to support cashless payment solutions online.

Pros of Paying Tuition Fees with an E-Wallet

  • You can pay your child’s tuition without leaving your home.
  • Some e-wallets offer cashback up to 10% when you pay your bills via its mobile app.

Cons of Paying Tuition Fees with an E-Wallet

  • You need to have enough cash on your e-wallet.
  • Your e-wallet might be limited depending on your account’s status.
  • Crediting of payment may take a while.
  • You can’t automatically track your payments unless you receive a confirmation that the transaction was successfully processed.

Schools That Accept E-Wallet Tuition Fee Payment in the Philippines


  • Ateneo de Manila University
  • Ateneo de Davao University
  • Don Bosco
  • Malayan Colleges Mindanao
  • Maranatha Academy
  • Miriam College
  • St. John Paul II College of Davao
  • University of the East
  • Universidad de Zamboanga
  • University of Mindanao
  • University of San Carlos


  • University of the Philippines
  • Ateneo De Davao University
  • La Salle Green Hills
  • Don Bosco Technical Institute of Makati Inc.
  • Nord Anglia International School Manila
  • Malayan Colleges Mindanao
  • University of Immaculate Conception

  • University Of San Jose – Recoletos
  • La Salle Greenhills
  • Miriam College

How to Pay Tuition with an E-Wallet

  1. Cash in to your e-wallet account. Make sure that you have enough money to cover the amount of tuition due.
  2. Tap “Pay Bills,” choose “Schools,” and pick the name of the school you wish to pay
  3. Enter the amount you wish to settle and then click “Next.”
  4. Enter the required information about the school.
  5. Check if all details are correct.
  6. Slide to pay.
  7. Wait for the e-wallet’s confirmation of payment, which will be sent through SMS or email.

Online or Mobile Banking

pay tuition with online or mobile banking

Online and mobile banking payments are the same methods of paying tuition fees through the internet. The only difference is that online banking can be done on a laptop or desktop using a web browser while mobile payments are done through smartphones via the bank or schools’ app.

Pros of Online and Mobile Payment of Tuition Fees

  • Safely pay without leaving your home.
  • No need to wait in a long queue to withdraw cash.
  • Payment can be done in minutes.

Cons of Online and Mobile Payment of Tuition Fees

  • Posting of payments may take a while.
  • Some payments will not be successful, and you need to wait for days before the funds will be credited back to your account.

Schools That Accept Online and Mobile Tuition Fee Payment in the Philippines

  • The Rizal Memorial Colleges
  • STI-Fairview
  • LPU-Manila
  • SDFI
  • Fatima University-Valenzuela
  • WCC ATC Inc.
  • National Shrine Of St. Jude
  • Jubilee Christian Academy Inc
  • LPU-St. Cabrini
  • STI-Alumni
  • ISYC
  • St Therese Colleges Jalandoni
  • Capitol University Inc
  • STI-Cubao
  • Xavier School Inc.
  • Our Lady Of Peace School
  • Fatima University-Antipolo
  • Fatima University-Pampanga
  • Fatima University-Quezon City
  • San Pedro College Inc
  • Ateneo de Manila Junior High School
  • University Of San Agustin
  • Canossa Academy Lipa City Inc
  • Philippine Women’s University
  • USD-Saint Jude Catholic School
  • LPU Cavite
  • SLU Baguio
  • STSN
  • CSTA
  • Saint Columban College
  • St. Stephens High School
  • Iloilo Doctors College
  • St. Paul College Pasig
  • Statefields School Inc.
  • DLSU-Dasmarinas
  • Jack And Jill Schools
  • ICA-GH
  • Silliman University
  • Indiana Aerospace University
  • UC-Banilad (University of Cebu-Banilad)
  • UC-LM (University of Cebu-Lapu-Lapu & Mandaue)
  • UC-MAIN (University of Cebu-Main)
  • St. Scholastica Marikina
  • Universidad de Zamboanga
  • Nueva Ecija Doctors Colleges
  • Siena College of Taytay
  • University of San Jose Recoletos
  • Singapore School Manila-Peso
  • Ateneo de Zamboanga
  • Holy Name University
  • Ateneo de Manila Law School
  • Ateneo de Manila School of Medicine
  • Ateneo de Manila Grade School
  • Ateneo de Manila Senior High School
  • Ateneo de Manila Business School
  • Ateneo de Manila Loyola School
  • Adventist University of the Philippines
  • SHS-Ateneo de Cebu
  • MSMSI-Los Baños
  • Dr. Yangas Colleges
  • Ateneo de Davao
  • Xavier University
  • UIC Davao City
  • Assumption College of Davao
  • The University Of Southern Phil. Foundation
  • Uno-R
  • Davao Medical School Foundation
  • Saint Jude Catholic School
  • University of San Carlos
  • FSUU
  • JBLFMU Molo
  • Don Bosco School Sta. Mesa
  • Central Luzon Doctors Hospital EI
  • NDDU
  • Far Eastern University (FEU
  • Lyceum of the Philippines Laguna
  • University of Mindanao Panabo
  • University of Mindanao Davao
  • University of Mindanao Tagum
  • University of Mindanao Digos
  • JBLFMU Arevalo
  • Patts College Of Aeronautics
  • De La Salle University
  • Don Bosco Tech Ctr Inc
  • Marist College Inc.
  • University of Baguio
  • Cebu Doctors Univ Inc
  • San Beda University
  • College of Saint Benilde
  • Emilio Aguinaldo College-MLA
  • Poveda E-Wallet
  • Cebu Doctors College Of Meds
  • St. Louis College Of San Fernando La Union Inc
  • MGC New Life
  • Baguio Patriotic Highschool Inc
  • University Of The Cordilleras
  • Saint Louis School Inc
  • St Pauls University Of Iloilo Inc
  • Adamson University
  • Butuan Doctors Hospital and College Inc
  • Baguio Central University Inc
  • National College Of Business & Arts Inc
  • DLSU Laguna
  • Notre Dame University Inc
  • Kong Hua School Inc

How to Pay Tuition with Mobile or Online Banking

  1. Go to the website or mobile app of the bank or school, whichever is applicable.
  2. Enter the details like school name as the account name, type of account, account number, and purpose. Different banks may require varied information.
  3. Enter the amount of payment to be made.
  4. Review the details.
  5. Confirm the payment.
  6. Wait for notification via email or SMS that the payment is successful.

Other Ways to Pay for Tuition in the Philippines

Understandably, you might not have the money to pay for the installment tuition fee or the credit card to settle all school fees. Somehow, you’d ask how to pay tuition even without cash, check, debit cards, e-wallets, or online banking accounts.

Here are a few ways to keep up with your child’s education payment:

Final Thoughts

Paying your child’s tuition through cash and check is a good decision, especially if you have enough money available to cover the school fees in full. However, these modes of payment will require you to visit the school’s cashier and settle the bills physically. On the other hand, if you pay tuition with a credit card, debit card, e-wallet, or mobile and online banking, you don’t need to go out of your home and take the risk of contracting the virus.

As educational institutions shift towards e-learning, parents should also accept the shift and learn about digital and contactless payment modes, which are quick, easy, and hassle-free.

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