Best Credit Card Offers in the Philippines | Compare & Apply Online
Updated: Oct 23, 2025
Easily compare the best credit cards in the Philippines by annual fees, cashback, rewards, and perks. Find cards with low or no annual fees, top cashback rates, and exclusive promos — all in one place.
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Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | UnionBank U Visa Platinum | ₱68,450 | - | ₱180,000 | On Time Payers | ||
 | UnionBank Rewards Credit Card | ₱68,450 | 3 points / ₱30 | ₱180,000 | Shopping and Diner | ||
 | Metrobank Titanium Mastercard® | ₱64,490 | 2 points / ₱20 | ₱180,000 | Everyday Shopper | ||
 | Metrobank Platinum Mastercard® | ₱64,490 | 1 point / ₱20 | ₱700,000 | Foodies Perks | ||
 | Metrobank Cashback Visa | ₱60,000 | 5% Cashback | ₱180,000 | Everyday Essential Shopper | ||
 | RCBC Visa Platinum | ₱62,999 | 1 airmile / ₱25 | ₱1,000,000 | Premium Travelers | ||
 | BPI Amore Cashback Card | ₱63,299 | 4% Cashback | ₱180,000 | Ayala Malls Shoppers | ||
 | BPI Rewards Card | ₱63,299 | 1 point / ₱35 | ₱180,000 | Points Seekers | ||
 | RCBC Flex Visa | ₱62,999 | 2 points / ₱50 | ₱250,000 | Rewards Seekers | ||
 | UnionBank Cash Back Visa Platinum | ₱73,450 | 6% Cashback
| ₱180,000 | Grocery-Heavy Shoppers | ||
 | RCBC Flex Gold Visa | ₱62,999 | 2 points / ₱50 | ₱500,000 | Rewards Seekers | ||
 | BPI Petron Card | ₱63,299 | 3% Petrol Cashback | ₱180,000 | Petron-loyal Motorists | ||
 | UnionBank Miles+ Visa Signature | ₱68,450 | 1 UB mile / ₱30 | ₱360,000 | Miles Seeker | ||
 | UnionBank Shell Power Visa Platinum | ₱68,450 | 5% Shell Cashback | ₱180,000 | Shell Loyalist | ||
 | Metrobank World Mastercard® | ₱64,490 | 3 points / ₱20 | ₱1,500,000 | Frequent Flyers | ||
 | RCBC Visa Infinite | ₱62,999 | 5 points / ₱30 | ₱2,000,000 | High Spenders | ||
 | BPI Amore Platinum Cashback Card | ₱63,299 | 4% Cashback | ₱1,000,000 | Restaurant-Goers | ||
 | BPI Gold Rewards Card | ₱63,299 | 1 point / ₱35 | ₱480,000 | Rewards Seekers | ||
 | BPI Platinum Rewards Card | ₱63,299 | 2 BPI Points / ₱20 | ₱1,000,000 | Lounge Access and Airmiles | ||
 | BPI Visa Signature Card | ₱63,299 | 1 point / ₱20 | ₱1,200,000 | Low Value Forex | ||
 | Security Bank Gold Mastercard | - | - | 1 BetterBanking point / ₱20 | ₱360,000 | Daily Spend Reward | |
 | Security Bank Platinum Mastercard | - | - | 2 BetterBanking point / ₱20 | ₱780,000 | Travel Insurance + Lounge | |
 | Security Bank World Mastercard | - | - | 3 BetterBanking point / ₱20 | ₱3,000,000 | Frequent Traveler | |
 | HSBC Live+ Credit Card | - | - | 8% Cashback
| ₱400,000 | Dining & Entertainment Lovers | |
 | HSBC Red Platinum Mastercard | - | - | 4 points / ₱20 | ₱400,000 | Online & Overseas Spenders |
Don’t miss out on these great deals:
🚀 Gift Like Never Before 🚀
For a limited time, apply for the BPI Credit Card and get premium rewards worth up to ₱3,299 upon approval.
Apply by Nov 15, 2025 to claim your reward
Participating Products:
BPI Amore Cashback Card
:
For Ayala Malls Shoppers
BPI Rewards Card
:
For Points Seekers
BPI Petron Card
:
For Petron-loyal Motorists
BPI Amore Platinum Cashback Card
:
For Restaurant-Goers
BPI Gold Rewards Card
:
For Rewards Seekers
BPI Platinum Rewards Card
:
For Lounge Access and Airmiles
BPI Visa Signature Card
:
For Low Value Forex
How to Qualify?
-
Apply via Moneymax: Register your interest and apply for an eligible BPI credit card on the Moneymax website between October 1 and November 15, 2025.
-
Get Approved: Ensure your application is approved by BPI and you receive your card.
-
Receive Redemption Link: Moneymax will send you a Gift Redemption form link.
-
Submit Proof: Upload your credit card approval screenshot (SMS) in the redemption form.
-
Choose Your Gift: Select one of the following gifts:
-
₱2,000 eGift Cash Credit (Gift A), or
-
Philips Neck Pillow Massager (Gift B), or
-
Sony WH-CH520 Wireless Headphones (Gift C), or
-
Mi Band 9 (Gift D)
-
-
Receive Your Gift:
-
Gift A (eGift): Will be emailed to you within 10-14 business days after verification.
-
Gifts B-D (Physical Items): You will receive a confirmation email within 12 weeks, with delivery estimated 12-15 weeks after that.
-
- Terms and Conditions apply.
Apply by Nov 15, 2025 to claim your reward
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 15 premium rewards:
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 15 premium rewards:
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
FreeMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 2x rewards points on dining, department store, and online purchases
- Earn one (1) point for every ₱20 spend
- Enjoy exclusive credit card features from Metrobank
- Ideal for: money-savvy cardholders shopping for essentials
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2 %
Fees
Annual Fee: Free
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
FreeMin. Annual Income
₱ 700,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 1 reward point for every ₱20 spend
- Up to 50% off on premium dining offers
- eCommerce purchase protection up to $200
- No annual fee for your first supplementary card
- Ideal for: premium dining perk seekers
Repayment Details
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: Free
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱700,000
Minimum Age: 21 years old
Annual Fee
₱ 3,500Min. Annual income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- Get up to 5% rebate on groceries, telecom, school & bookstore spend.
- Enjoy exclusive features and offers from Metrobank
- Enjoy exclusive credit card features from Metrobank
- Ideal for practical spenders who prioritize everyday essentials and long term financial goals
- To unlock the 5% rebate, a minimum monthly spend of ₱12,000 on other categories is required; otherwise, a 0.2% rebate will apply.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 3 %
Fees
Annual Fee: ₱3,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn one (1) Preferred Air Mile for as low as ₱25 per spend.
- Up to 100% temporary increase in credit limit during travel period.
- Free travel insurance up to ₱5 million and other travel perks.
- Get complimentary Priority Pass membership worldwide.
- Ideal for: VIP travelers and premium seekers.
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 2,050 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Get up to 4% cash back on supermarkets and department store spend
- Get up to 1% cash back on drugstore and bills payment spend
- Earn up to 0.3% cash back on all other local retail spend
- Enjoy unlimited access exclusive customer and family lounges in Ayala Malls
- One of the lowest forex conversion rates at 1.85%
- Ideal for: cardholders who love saving while shopping
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱2,050 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 1,550 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 1,500 per yearMin. Annual Income
₱ 250,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 2x rewards points on two preferred categories
- Change your preferred categories once every billing cycle
- Exchange your rewards points for shopping vouchers or redeem as cash rebates
- With free travel insurance (Travel Plus Lite) and purchase protection
- Get access to the Marhaba/Skyview Airport Lounge
- Ideal for: shoppers who want financial flexibility
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ 4,500 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 15 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
Repayment Details
Interest on Cash Advance: 3.04 %
Minimum Payment: ₱500
Fees
Annual Fee: ₱4,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 3,000 per yearMin. Annual Income
₱ 500,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 2x rewards points on three preferred categories.
- Change your preferred categories once every billing cycle.
- Exchange your rewards points for shopping vouchers or redeem as cash rebates.
- With free travel insurance (Travel Plus Lite) and purchase protection.
- Get access to the Marhaba/Skyview Airport Lounge.
- Ideal for: millennials who are leveling up in life.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Annual Fee
₱ 1,550 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 3% rebate on fuel (maximum of ₱15,000 per year)
- Free ₱200 fuel voucher for first-time cardholders
- Avail of flexible and convenient installment plans
- Convert your credit limit to cash for emergencies
- Ideal for: car owners traversing the road every day
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 360,000Interest Rate
3 %Apply through Moneymax and choose from 15 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Annual Fee
₱ 2,800 per yearMin. Annual Income
₱ 180,000Interest Rate
3 %Apply through Moneymax and choose from 15 premium rewards:
- 5% rebate on Shell fuel spend
- 5% rebate on RFID load purchases
- 5% rebate on auto repairs, accessories, and services
- 10% discount at Shell Helix Oil Change packages
- Access to 24/7 roadside assistance
- Ideal for: car owners and Shell station frequenters
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱2,800 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Annual Fee
₱ 6,000Min. Annual Income
₱ 1,500,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Get 2x reward points for international purchases
- Earn 1 reward point for every ₱20 spend
- Enjoy up to 50% off on luxury dining deals
- Ideal for: frequent travelers and premium perk seekers
Repayment Details
Minimum Amount Due: 5 %
Cash Advance Monthly Effective Interest Rate: 1 %
Fees
Annual Fee: ₱6,000
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,500,000
Minimum Age: 18 years old
Annual Fee
₱ 6,000 per yearMin. Annual Income
₱ 2,000,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn reward points for as low as ₱36 per spend.
- Get 5% rebate at any local or international clothing shops.
- Free travel insurance up to ₱1 million along with other travel perks.
- Free-for-life supplementary cards for up to nine cardholders.
- Ideal for: cardholders who love to shop and travel.
Fees
Annual Fee: ₱6,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Get 4% cash back on dining and online delivery spend.
- Get 1% cash back on supermarkets and department store spend.
- Earn up to 0.3% cash back on other international and local retail spend.
- Enjoy exclusive perks and deals at any Ayala Malls nationwide.
- One of the lowest forex conversion rates at 1.85%.
- Ideal for: cardholders who love to shop in-store and online.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 2,250 per yearMin. Annual income
₱ 480,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance up to ₱10 million
- Enjoy a whole roster of discounts all year round
- Ideal for: cardholders looking for premium perks
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱2,250 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱480,000
Minimum Age: 21 years old
Annual Fee
₱ 4,000 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 2 BPI points for every ₱30 local spend.
- Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
- Convert straight payments on airfares to installment with 0% interest.
- Get up to ₱10 million free travel insurance.
- Get up to 180 days of purchase protection insurance.
- Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.
- Ideal for: frequent travelers looking for premium perks.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ 5,500 per yearMin. Annual Income
₱ 1,200,000Interest Rate
3 %Apply through Moneymax and choose from 13 premium rewards:
- Earn 2 BPI points for every ₱20 spend.
- Get up to ₱20 million free travel accident and inconvenience benefit.
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.
- Ideal for: savvy shoppers and frequent travelers
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,500 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,200,000
Minimum Age: 21 years old
Annual Fee
₱ 2,500 per yearMin. Annual Income
₱ 360,000Interest Rate
3 %- Free annual fee for the first year
- Earn one (1) reward point for every ₱20 spend
- Secure online shopping with SecureCode
- Enjoy exclusive rewards and promos all year round
- Ideal for: reward seekers and frequent online shoppers
Repayment Details
Minimum Payment: ₱500
Fees
Annual Fee: ₱2,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Annual Fee
₱ 4,000 per yearMin. Annual Income
₱ 780,000Interest Rate
3 %- Earn 2 reward points for every ₱20 spend.
- Free travel insurance up to ₱10 million.
- Free online purchase protection up to $200.
- Access to 1,000 airport lounges worldwide.
- Ideal for: frequent travelers and international shoppers.
Repayment Details
Minimum Amount Due: ₱500
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱780,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 3,000,000Interest Rate
3 %- Waived annual fee on the first year.
- Earn 3x points for every ₱20 spend.
- Membership to more than 1,000 lounges in over 500 airports worldwide.
- Free travel insurance coverage up to ₱10 million.
- Dining, spa, and retail offers from select exclusive airport merchants.
- Ideal for: travel aficionados who want more travel perks.
Repayment Details
Minimum Amount Due : ₱500
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱3,000,000
Minimum Age: 21 years old
Annual Fee
₱ 5,000 per yearMin. Annual Income
₱ 400,000Interest Rate
3 %- Up to 8% cashback on all dining spend
- Up to 5% cashback on shopping spend
- Up to 5% cashback on entertainment spend
- Ideal for: outgoing individuals craving for fun experiences
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Annual Fee
₱ 2,500Min. Annual income
₱ 400,000Interest Rate
3 %- 4x reward points on online, shopping, dining, and overseas spend
- Earn 1 reward point for every ₱20 spend
- 6% rebate on your first Caltex fuel spend; 3% rebate year-round
- Ideal for: online shopping and dining worldwide
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ₱2,500
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱400,000
Minimum Age: 18 years old
Frequently Asked Questions (FAQs)
One to two cards are ideal at the start; add more only if you can manage them responsibly.
Annual fees, late payment fees, over-limit charges, and foreign transaction fees. Some cards offer fee waivers—check terms.
Yes, but review for pro-rated annual fees or penalties. Redeem rewards before closing.
Credit Cards • Philippines
Find the Best Credit Card for Your Lifestyle
Looking for the best credit card in the Philippines? Moneymax helps you compare features, perks, and promos side-by-side. Whether you want a no-annual-fee card, maximum cashback, travel rewards, fuel savings, or your very first card, you’ll find a match in minutes.
Updated for 2025 • Offers subject to Moneymax and bank terms & conditions
Why Should You Compare Credit Cards?
Picking the right card helps you save more and maximize rewards. Our comparison tool lets you filter cards based on:
- Annual fees, waiver options, and eligibility requirements
- Cashback rates, rewards points, and miles earn
- Exclusive welcome gifts and promos
- Supplementary benefits such as travel insurance, lounge access, and fuel rebates
Top Credit Cards in the Philippines (2025): Highlights
Quick snapshots for each featured card—who it’s best for and three standout perks.
UnionBank Rewards Credit Card
Shop & dine points machine 3× points on select spend ₱30 = 1 pt (base) Flexible redemptions
UnionBank Cash Back Visa Platinum
Grocery-max household cashback Up to 6% groceries 2% Meralco via UB Online No min. spend
UnionBank U Visa Platinum
Fee-free, stress-free spender No annual fees for life No late/overlimit fees Interest rebate for on-time pay
UnionBank Miles+ Visa Signature
Miles chaser with lounge perks 1 mile/₱30 (base) Airport lounge access Travel insurance
UnionBank Shell Power Visa Platinum
Shell-loyal motorists Fuel rebates at Shell Toll & auto-service perks Roadside assistance
Metrobank Titanium Mastercard®
Daily spend points boost 2× points: online & dining ₱20 = 1 pt (base) Waiver with annual spend
Metrobank Platinum Mastercard®
Diners’ deals & protection Up to 50% dining deals e-Commerce protection Free 1st supplementary
Metrobank World Mastercard®
Lounge-loving jetsetters Global lounge access Unlimited local lounges Premium dining & travel offers
RCBC Flex Visa
Choose your bonus categories 2× points on 2 picks Easy category switching Travel insurance
RCBC Flex Gold Visa
Triple-category earner 2× points on 3 picks Miles / eGC / cash credit Purchase protection
RCBC Visa Platinum
Premium travel with lounges Priority Pass membership Unlimited local lounge (PAGSS) Great overseas earn
RCBC Visa Infinite
High-spend multipliers & concierge Up to 5× points Infinite concierge Travel & e-com protection
HSBC Red Platinum Mastercard
Online & overseas accelerator 4× bonus points ₱20 = 1 pt (base) Caltex fuel rebates
HSBC Live+ Credit Card
Dining & lifestyle cashback star High dining cashback Shopping & entertainment Travel insurance coverage
BPI Rewards Card
Simple earn, broad redemptions BPI Rewards Points Wide partner ecosystem Easy redemption
BPI Petron Card
Petron fuel saver Fuel rebates at Petron Generous annual cap Cash advance enabled
BPI Amore Cashback Card
Ayala Malls essentials 4% supermarkets 1% drugstores & utilities Ayala Malls lounge access
BPI Amore Platinum Cashback Card
Dining & retail everyday 4% restaurants/food delivery 1% supermarkets & dept. stores 0.3% other spend
BPI Gold Rewards Card
Mid-tier points with perks ₱35 = 1 pt Global acceptance Vybe redemption
BPI Platinum Rewards Card
Lounge access + high points 2 pts/₱30 local 2 pts/₱20 foreign Priority Pass perks
BPI Visa Signature Card
Low forex, premium earn 2 pts/₱20 ~1.85% FX fee Signature dining deals
Security Bank Gold Mastercard
Non-expiring daily points 1 pt/₱20 base Exclusive promos Higher limit tier
Security Bank Platinum Mastercard
Travel perks + double points 2× non-expiring points Airport lounge access Travel insurance
Security Bank World Mastercard
Top-tier lounge & earn ~6 lounge visits/yr 3× non-expiring points Medical coverage on trips
Comparison Snapshot (Editor’s Picks)
| Credit Card | Key Benefits |
|---|---|
| UnionBank Rewards Card | 3× points on shopping & dining; base earn ₱30 = 1 point |
| UnionBank Cash Back Visa Platinum | Up to 6% cashback on groceries; 2% Meralco via UB Online; no minimum spend |
| Metrobank Titanium Mastercard® | 2× points on dining & online; base earn ₱20 = 1 point |
| RCBC Flex Visa | 2× points on two selected categories; travel insurance benefit |
Exact rates, caps, and waiver conditions depend on bank-specific terms and current promos. Always review details on the application page before applying.
Common Application Requirements
- Age: Typically 21+ (some banks accept 18+)
- Filipino citizenship or residency
- Proof of income (Payslips, BIR Form 2316 / ITR)
- Valid government-issued IDs and employment details
Credit Card Selection & Approval Tips
- Match your card to where you spend most (groceries, dining, fuel, travel, online).
- Check fee waivers (e.g., first-year free or spend-based waivers) and foreign transaction fees.
- If new to credit, start with beginner-friendly or no-annual-fee cards.
- Pay in full monthly to avoid interest; set up auto-debit or reminders.
- Watch promo caps and qualifying spend windows to fully earn bonuses.
Why Choose Moneymax?
- Free comparison tailored to your needs
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