No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.
Annual Fee Waiver
Yes
info
No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Offer Available
Win an Asian Trip for 2 + FREE welcome gift!
Apple Airpods 2
+ 2 other gift options
Valid until
30 April 2024
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Things to consider for this product:
check
No annual fee
check
Free reward points
check
Accelerated 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.
Win an Asian Trip for 2 + FREE welcome gift!
Gift Options
₱4,000 eGift Giftaway; or
JBL Tune 720BT; or
Apple Airpods 2
Apply for a UnionBank Rewards Credit Card via Moneymax and meet the spend requirement to get your chosen welcome gift + enjoy no annual fees for life! Plus, earn 1 raffle entry for a chance to Asian Trip for 2 when you get approved!
Promo is for new UnionBank customers only with no UnionBank-acquired credit cards. Kindly ensure to read the full terms and understand the promo mechanics before you apply.
Disclaimer:
Moneymax Asian Trip Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-190274. Series of 2024. Full terms and conditions here.
Moneymax Welcome Gift Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-187582. Series of 2024. Full terms and conditions here.
UnionBank No Annual Fee Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-178773. Series of 2023.Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
FEATURED
HSBC Red Mastercard
Annual Fee
₱ 2,500 per year
Annual Fee Waiver
Available
info
Free on the first year
Min. Annual Income
₱ 200,000
Offer Available
Get a FREE welcome gift!
JBL Flip 6
+ 2 other gift options
Valid until
15 May 2024
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Things to consider for this product:
check
Accelerated rewards
check
Shopping points
check
Dining points
remove
Credit card required
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
Get a FREE welcome gift!
Gift Options
₱3,000 eGift; or
JBL Tune 520BT ; or
JBL Flip 6
Apply for any HSBC credit card via Moneymax and get your chosen WELCOME GIFT when you get approved! Hurry, promo runs for a LIMITED time only!
Disclaimer: Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 6 months. Any credit line products from other financial institutions will not be considered. Promo runs until May 15, 2024. Per DTI Fair Trade Permit No. FTEB-188586. Series of 2024. Full terms and conditions here.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 18 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 200000
Landline Required: Not required
FEATURED
Metrobank Titanium Mastercard®
Annual Fee
Free
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Annual Fee Waiver
Yes
info
Waived on the first year only. No annual fees for carded first-time Metrobank cardholders when you apply until February 29, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Offer Available
Watch One More Chance The Musical for FREE!
Nescafe Dolce Gusto Piccolo XS
+ 2 other gift options
Valid until
31 May 2024
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Things to consider for this product:
check
No annual fee
check
Dining points
check
Free reward points
No annual fees for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet an annual spend of ₱180,000.
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
Watch One More Chance The Musical for FREE!
Gift Options
₱2,500 eGift; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Redmi Soundbar
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2: Complete the Metrobank application form. If you meet the eligibility criteria, you earn one raffle entry for a chance to win one of 20 FREE tickets to One More Chance The Musical!
Step 3: Once application is approved by Metrobank, you get your chosen welcome gift!
Step 4: Meet an annual spend requirement of ₱180,000 to enjoy no annual fees!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until May 31, 2024. Per DTI Fair Trade Permit No. FTEB-191118. Series of 2024. See terms and conditions here.
Metrobank Welcome Gift Promo: Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-171527 Series of 2023. Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
Metrobank Platinum Mastercard®
Annual Fee
₱ 5,000
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2023 and meet an annual spend of ₱400,000. After the No Annual Fee promo, annual fee is ₱5,000.
Annual Fee Waiver
Yes
info
Waived on the first year only. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2023 and meet an annual spend of ₱400,000. After the No Annual Fee promo, annual fee is ₱5,000.
Min. Annual Income
₱ 700,000
info
₱58,333 Monthly
Offer Available
Watch One More Chance the Musical for FREE!
Nescafe Dolce Gusto Piccolo XS
+ 2 other gift options
Valid until
31 May 2024
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Things to consider for this product:
check
No Annual Fee
check
Free reward points
check
Dining discount
remove
High income requirement
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
Watch One More Chance the Musical for FREE!
Gift Options
₱2,500 eGift; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Redmi Soundbar
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2: Complete the Metrobank application form. If you meet the eligibility criteria, you earn one raffle entry for a chance to win one of 20 FREE tickets to One More Chance The Musical!
Step 3: Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: If you have existing credit cards with other banks, choose your welcome gift from Metrobank:
240,000 reward points when you spend at least ₱90,000 within 90 days of approval, OR
No annual fees for life when you meet an annual spend of ₱400,000
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until May 31, 2024. Per DTI Fair Trade Permit No. FTEB-191118. Series of 2024. See terms and conditions here.
Metrobank Welcome Gift Promo:Promo runs until July 31, 2024. Per DTI Fair Trade Permit No. FTEB-187920. Series of 2024.Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 700000
Landline Required: Not required
Security Bank World Mastercard
Annual Fee
₱ 5,000 per year
Annual Fee Waiver
Yes
info
Free on the first year
Min. Annual Income
₱ 3,000,000
Offer Available
Get a FREE welcome gift!
JBL Wave Beam True Wireless Earbuds
+ 2 other gift options
Valid until
31 May 2024
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Things to consider for this product:
check
Shopping points
check
Travel insurance
check
Airport lounge
remove
High income requirement
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.
Get a FREE welcome gift!
Gift Options
₱2,500 eGift; or
JBL Wave Beam True Wireless Earbuds; or
JBL Horizon 2 Bluetooth Clock Radio Speaker
Follow these simple steps:
Step 1: Choose your welcome gift and complete this form to be redirected to Security Bank.
Step 2: Complete the Security Bank form to finish your application.
Step 3:Spend at least ₱35,000 within 60 days of card approval to get your chosen welcome gift!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until May 31, 2024. Per DTI Fair Trade Permit No. FTEB-191158. Series of 2024. Full terms and conditions here.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income: 1 month payslip or ITR
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Deposit account: Must be a Security Bank depositor for at least 1 year
Audited Financial Statements: In the last 2 years
Business registration/permits: SEC/DTI Registration
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 3000000
Landline Required: Required
Metrobank Titanium Mastercard®
Annual Fee
Free
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Annual Fee Waiver
Yes
info
Waived on the first year only. No annual fees for carded first-time Metrobank cardholders when you apply until February 29, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Offer Available
Watch One More Chance The Musical for FREE!
Nescafe Dolce Gusto Piccolo XS
+ 2 other gift options
Valid until
31 May 2024
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Things to consider for this product:
check
No annual fee
check
Dining points
check
Free reward points
No annual fees for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet an annual spend of ₱180,000.
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
Watch One More Chance The Musical for FREE!
Gift Options
₱2,500 eGift; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Redmi Soundbar
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2: Complete the Metrobank application form. If you meet the eligibility criteria, you earn one raffle entry for a chance to win one of 20 FREE tickets to One More Chance The Musical!
Step 3: Once application is approved by Metrobank, you get your chosen welcome gift!
Step 4: Meet an annual spend requirement of ₱180,000 to enjoy no annual fees!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until May 31, 2024. Per DTI Fair Trade Permit No. FTEB-191118. Series of 2024. See terms and conditions here.
Metrobank Welcome Gift Promo: Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-171527 Series of 2023. Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
Metrobank World Mastercard®
Annual Fee
₱ 6,000
Annual Fee Waiver
Yes
info
Waived on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2023 and meet an annual spend of ₱600,000. After the No Annual Fee promo, annual fee is ₱6,000.
Min. Annual Income
₱ 1,500,000
info
₱333,333 Monthly
Offer Available
Watch One More Chance The Musical for FREE!
Nescafe Dolce Gusto Piccolo XS
+ 2 other gift options
Valid until
31 May 2024
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Things to consider for this product:
check
No Annual Fee
check
Free reward points
check
Fine dining
remove
High income requirement
No annual fees for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet an annual spend of ₱600,000.
Free 300,000 reward points for carded first-time Metrobank cardholders when you apply until April 30, 2024 and meet the minimum spend of ₱90,000 within 60 calendar days from date of approval
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
Watch One More Chance The Musical for FREE!
Gift Options
₱2,500 eGift; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Redmi Soundbar
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2: Complete the Metrobank application form. If you meet the eligibility criteria, you earn one raffle entry for a chance to win one of 20 FREE tickets to One More Chance The Musical!
Step 3: Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: If you have existing credit cards with other banks, choose your welcome gift from Metrobank:
300,000 reward points when you spend at least ₱90,000 within 90 days of approval, OR
No annual fees for life when you meet an annual spend of ₱600,000
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until May 31, 2024. Per DTI Fair Trade Permit No. FTEB-191118. Series of 2024. See terms and conditions here.
Metrobank Welcome Gift Promo:Promo runs until July 31, 2024. Per DTI Fair Trade Permit No. FTEB-187920. Series of 2024.Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: a copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 1500000
Landline Required: Not required
BPI Gold Rewards Card
Annual Fee
₱ 2,250 per year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 480,000
Things to consider for this product:
check
Shopping points
check
Travel insurance
check
Insurance installment
check
Exclusive discounts
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
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment.
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 480000
Landline requirement: Required
BPI Amore Cashback Card
Annual Fee
₱ 2,050 per year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Things to consider for this product:
check
No-brainer rebate
check
Supermarket rebate
check
Installment
check
Exclusive discounts
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
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
Maybank Standard Mastercard
Annual Fee
₱ 2,000 per year
info
Free for the first year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 195,000
info
₱16,250 Monthly
Things to consider for this product:
check
Free reward points
check
No Annual Fee
check
Exclusive discounts
check
Dual currency
Earn one (1) Treat Point for every ₱25 spend
Pay for overseas purchases in Philippine Peso
EMV-compliant chip cards for added layer of security
Free annual fee for the first year of credit card use
Ideal for: frequent overseas travelers and online shoppers
Terms and Conditions :
Step to Apply :
Credit card requirement: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 195000
Landline requirement: Not required
Maybank Visa Classic
Annual Fee
₱ 2,000 per year
info
Free for the first year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 195,000
info
₱16,250 Monthly
Things to consider for this product:
check
Free reward points
check
No Annual Fee
check
Exclusive discounts
check
Dual currency
Earn one (1) Treat Point for every ₱25 spend
Auto-convert overseas spend to Philippine Peso
Accepted in over 20 million locations and territories
Free annual fee for the first year of credit card use
Ideal for: young professionals and frequent travelers
Terms and Conditions :
Step to Apply :
Credit card requirement: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 195000
Landline requirement: Not required
BPI Rewards Card
Annual Fee
₱ 1,550 per year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Things to consider for this product:
check
Free reward points
check
Travel insurance
check
Installment
check
Exclusive discounts
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
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
Petron-BPI Card
Annual Fee
₱ 1,550 per year
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Things to consider for this product:
check
No-brainer rebate
check
Petrol rebate
check
No Annual Fee
remove
Rebate cap applied
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
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
BPI Edge Card
Annual Fee
₱ 1,320 per year
info
₱110 monthly
Annual Fee Waiver
Yes
info
Waived on the first year only.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Things to consider for this product:
check
Shopping points
check
Installment
check
Nice card face
check
Exclusive discounts
Earn one (1) rewards point for every ₱50 spend
Enjoy flexible installment plans and payment options
One of the lowest forex conversion rates at 1.85%
Enjoy deals and discounts all year round from BPI
Ideal for: young professionals looking for fun perks
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number.
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
AUB Platinum Mastercard
Annual Fee
Free
info
No annual fee for life
Annual Fee Waiver
Yes
Min. Annual Income
₱ 1,200,000
info
₱100,000 Monthly
Things to consider for this product:
check
No Annual Fee
check
Shopping points
check
Bonus air miles
remove
High income requirement
No annual fees forever
No interest on new purchases
Choose exactly when to pay your bill
Enroll as many supplementary cards you want
Get this card for: travel and shopping
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 1200000
Landline Required: Required
AUB Easy Mastercard
Annual Fee
Free
info
No annual fee for life
Annual Fee Waiver
Yes
Min. Annual Income
₱ 252,000
info
₱21,000 Monthly
Things to consider for this product:
check
No Annual Fee
check
Exclusive discounts
check
Choose your annual fee
check
Choose your due date
No annual fees forever
No interest on new purchases
Choose when to pay your credit card bill
Choose how much to pay with a fixed payment amount
Get this card for: shopping and dining with loved ones
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 252000
Landline Required: Required
PNB-PAL Mabuhay Miles NOW Mastercard
Annual Fee
₱ 1,000 per year
Annual Fee Waiver
Yes
info
Waived on the first three years.
Min. Annual Income
₱ 120,000
info
₱10,000 Monthly
Things to consider for this product:
check
Bonus air miles
check
Air ticket rebate
check
No Annual Fee
remove
High income requirement
No annual fee for 3 years
Get free travel insurance with coverage of up to ₱1 million
Receive 1,000 Mabuhay Miles for free as a welcome gift
Enjoy 5% discount on select Philippine Airlines flights
Free Purchase Protection Insurance of up to ₱250,000 for first-time PNB-PAL Mabuhay Miles cardholders
Ideal for: young professionals who have a passion for travelling and shopping
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Proof of income
Government-issued ID
Active landline / mobile phone number
Signed Certificate of Employment
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 120000
Landline Required: Required
AUB Classic Mastercard
Annual Fee
Free
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No annual fee for life
Annual Fee Waiver
Yes
Min. Annual Income
₱ 252,000
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₱21,000 Monthly
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No Annual Fee
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Shopping points
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Exclusive discounts
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Choose your annual fee
No annual fees forever
No interest on new purchases
Choose how many times you want to pay per month
Choose the amount you can pay
Get this card for: online shopping and travel
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 252000
Landline Required: Required
Maybank Gold Mastercard
Annual Fee
₱ 2,500 per year
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Free for the first year
Annual Fee Waiver
Available
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Waived on the first year only. Apply until April 30, 2023 and make an annual spend of ₱300,000 to waive your next annual fee
Min. Annual Income
₱ 420,000
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Free reward points
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No Annual Fee
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Exclusive discounts
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Dual currency
Earn one (1) Treat Point for every ₱25 spend
Easily pay for overseas spend in Philippine Peso
Free annual fee for the first year of credit card use
Enjoy exclusive offers and privileges from Maybank
Ideal for: online shoppers and frequent overseas travelers
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 420000
Landline Required: Not required
AUB Gold Mastercard
Annual Fee
Free
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No annual free for life
Annual Fee Waiver
Yes
Min. Annual Income
₱ 600,000
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₱50,000 Monthly
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No Annual Fee
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Shopping points
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Bonus air miles
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High income requirement
No annual fees forever
No interest on new purchases
Choose exactly when to pay your bill
Enroll as many supplementary cards you want
Get this card for: paying bills and online shopping
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 600000
Landline Required: Required
PNB Ze-Lo Mastercard
Annual Fee
Free
Annual Fee Waiver
Yes
Min. Annual Income
₱ 120,000
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₱10,000 Monthly
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No Annual Fee
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Installment
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Good for beginners
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Exclusive discounts
Zero annual fees for life on principal and supplementary cards
No late payment or overlimit fees
Finance charge for as low as 1.88%
Swipe your card abroad and pay in Philippine Peso
Use it anywhere in the world where Mastercard is accepted
Ideal for: frequent and practical credit card users
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Proof of income
Government-issued ID
Active landline / mobile phone number
Signed Certificate of Employment
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 120000
Landline Required: Required
BPI Platinum Rewards Card
Annual Fee
₱ 4,000 per year
Annual Fee Waiver
Yes
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Free on the first year
Min. Annual Income
₱ 1,000,000
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Free reward points
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Online shopping points
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Airport lounge
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High income requirement
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.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 1000000
Landline Required: Required
BPI Amore Platinum Cashback Card
Annual Fee
₱ 5,000 per year
Annual Fee Waiver
Yes
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Waived on the first year only.
Min. Annual Income
₱ 1,000,000
Things to consider for this product:
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No-brainer rebate
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Dining rebate
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Food delivery
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High income requirement
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.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1-year primary credit cardholders, a copy of your credit card statement from another bank.
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Audited Financial Statements: With BIR/bank stamp
Proof of income: Latest ITR with BIR/bank stamp
Eligibility :
Minimum Age: 21 years old
Maximum Age: 60 years old
Min. Annual Income: ₱ 1000000
Landline Required: Required
UnionBank Rewards Credit Card
Annual Fee
Free
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No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.
Annual Fee Waiver
Yes
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No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date.
Min. Annual Income
₱ 180,000
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₱15,000 Monthly
Offer Available
Win an Asian Trip for 2 + FREE welcome gift!
Apple Airpods 2
+ 2 other gift options
Valid until
30 April 2024
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Things to consider for this product:
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No annual fee
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Free reward points
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Accelerated 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.
Win an Asian Trip for 2 + FREE welcome gift!
Gift Options
₱4,000 eGift Giftaway; or
JBL Tune 720BT; or
Apple Airpods 2
Apply for a UnionBank Rewards Credit Card via Moneymax and meet the spend requirement to get your chosen welcome gift + enjoy no annual fees for life! Plus, earn 1 raffle entry for a chance to Asian Trip for 2 when you get approved!
Promo is for new UnionBank customers only with no UnionBank-acquired credit cards. Kindly ensure to read the full terms and understand the promo mechanics before you apply.
Disclaimer:
Moneymax Asian Trip Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-190274. Series of 2024. Full terms and conditions here.
Moneymax Welcome Gift Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-187582. Series of 2024. Full terms and conditions here.
UnionBank No Annual Fee Promo:Promo runs until April 30, 2024. Per DTI Fair Trade Permit No. FTEB-178773. Series of 2023.Terms and conditions apply.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
BPI Signature
Annual Fee
₱ 5,500 per year
Annual Fee Waiver
Yes
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Waived on the first year only.
Min. Annual Income
₱ 1,200,000
Things to consider for this product:
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Free reward points
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Travel insurance
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Airport lounge
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High income requirement
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
Terms and Conditions :
Step to Apply :
Credit Card Required : Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Signed Certificate of Employment
Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank.
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number: Business or residence phone number
Almost all credit cards have annual fees—a fee that credit cardholders pay for once they activate their card, whether they use it or not. It’s a yearly fee although some credit cards charge it monthly. The higher the annual fee, the more premium the benefits.
How does a no annual fee credit card work?
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A no annual fee credit card waives a card’s annual fee, which is one of the most attractive benefits to cardholders these days since they get to save more. Annual fees start at ₱1,000 and up. Getting a no annual fee credit card can save you thousands of pesos especially if you plan to use it for several years.
What are the types of no annual fee credit cards?
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No Annual Fees for Life. Credit cards with no annual fees forever come in two forms. Some credit cards offer this as a promo, usually as a welcome gift and it may or may not require a minimum spend. Other cards have this as a fixed perk wherein annual fees are permanently waived from the get-go.
Limited annual fee waiver. This attractive perk waives the annual fee on your first year as a cardholder. A few bank providers are generous enough to waive the annual fee up to the second year.
Does a no annual fee credit card still come with fees?
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No annual fee credit cards still come with fees, depending on your credit card usage (late payment fees, overlimit fees, etc.).
Should I get a no annual fee credit card?
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Yes! If you want to save while using your card in the long run, get a no annual fee credit card. Plus, you won’t have to experience the hassle of having to pay or worse, forgetting to pay for your annual fee and incurring a late payment fee.