How to Apply for a Credit Card Online

3. Choose the Right Card

Look for a card that fits your income level and spending habits. Comparison tools like Moneymax let you filter by annual fee, perks (e.g., cashback, travel, fuel), and target users (e.g., OFWs, freelancers, students).

4. Complete the Application

Once you’ve picked a card, go to the issuer’s website or a comparison platform like Moneymax to start the online application. Fill out the form accurately and upload the required documents to avoid delays.

5. Wait for Approval

After submission, the bank will review your application and may contact you for verification or additional documents. If approved, you’ll receive a confirmation and your card will be delivered to your registered address in 5 to 10 banking days.

6. Activate and Use Your Card

Upon receiving your card, activate it via SMS, mobile app, or online banking. Once activated, you can start using it for purchases, paying bills, or even converting big expenses into installments—just make sure to pay on time to build your credit score.

Ready to apply? Prep your documents and compare your top options online—it only takes a few clicks.

For Students and Young Adults: First Step to Credit

Starting your credit journey? Opt for beginner-friendly credit cards with low income requirements and manageable fees.​

Recommended Cards:

• PNB Ze-Lo Mastercard
  
  
  • Ideal for first-time cardholders with a monthly income requirement of only ₱10,000.
  • Offers no annual fees and low finance charges, making it budget-friendly.

• UnionBank Rewards Credit Card
  
  
  • Requires a minimum monthly income of ₱15,000.
  • Earns triple non-expiring reward points when shopping and dining locally or abroad. ​

• Metrobank Titanium Mastercard®
  
  
  • Minimum monthly income requirement of ₱15,000.
  • Offers a first-year annual fee waiver and various rewards programs.
    

Application Tip: If you don't have a stable income yet, consider applying as a supplementary cardholder under a parent or guardian's account.​

For Freelancers: Flexible, Low-Commitment Options

Freelancers often face irregular income, so it's beneficial to choose credit cards with flexible billing and minimal fees.​

Recommended Cards:

• AUB Classic Mastercard
  
  
  • Offers no annual fee for life
  • Allows you to choose the amount you can pay and how many times you want to pay per month
    
    
• Maybank Visa Classic
  
  
  • Free annual fee for the first year
  • Perfect for those looking for cards with low income requirement at ₱16,250, making it a beginner-friendly choice.

Application Tip: Use bank statements or invoices to demonstrate your freelance income.​

For Overseas Filipino Workers (OFWs)

Managing finances across countries can be challenging, so OFWs need credit cards that offer global access and multiple perks. 

Recommended Cards:

• Maybank Gold Mastercard

• Easily pay for overseas spend in Philippine peso
• Free annual fee for the first year

• Metrobank World Mastercard®

• • Double reward points for international purchases
  • Offers up to 50% off on luxury dining deals

• Security Bank World Mastercard

• Free annual fee for the first year
• Dining, spa, and retail offers from select exclusive airport merchants

Application Tip: Prepare your valid work visa, payslips, remittance proof, and a local delivery address in the Philippines. Most banks allow you to apply online even while working abroad.

For Small Business Owners and Entrepreneurs

Managing business expenses is crucial. A credit card can help separate personal and business spending, track purchases, and even maximize rebates.​

Recommended Cards:

• BPI Rewards Card
  
  
  • Offers flexible installment plans, which can be beneficial for equipment purchases or business travel expenses. 
  • ​Free travel insurance up to ₱2 million
    
    
• Metrobank Platinum Mastercard®
  
  
  • Offers up to 50% off on premium dining offers
  • eCommerce purchase protection² up to $200

Application Tip: Submit DTI/SEC registration and bank statements to validate your business income.​

For Retirees and Seniors

On a fixed income? The right credit card can offer rebates, no penalties, and tools to stretch your budget.​

Recommended Cards:

• BPI Amore Cashback Card
  
  
  • Provides cashbacks on supermarket, department store, drugstore and bills payment spend—perfect for daily needs. ​
  • Offers one of the lowest forex conversion rates at 1.85%

• RCBC Flex Visa
  
  
  • Earns 2x points on two preferred spending categories—ideal for retirees who want to customize rewards.
  • Comes with free travel insurance and purchase protection, useful for both everyday and occasional big-ticket spending.

Application Tip: Prepare pension documents, investment records, or other passive income proof when applying.

Find the Right Credit Card for You

Start your credit journey with confidence. Whether you're a student, freelancer, entrepreneur, OFW, or retiree, there’s a card that matches your lifestyle and income.

Before you apply, compare credit cards at Moneymax. The right choice isn’t just about perks—it’s about taking control of your financial future.