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Credit Cards with No Annual Fees in the Philippines

Say goodbye to annual fees when you say yes to any of these credit cards!

Filter

Annual Income

₱

Feature

Offers available

Annual fee waiver

HSBC

Metrobank

RCBC

UnionBank

FEATURED

UnionBank U Visa Platinum

Annual Fee

Free

info

No annual fees for life!

Annual Fee Waiver

Yes

info

No annual fees for life!

Min. Annual Income

₱ 180,000

Offer Available

No Minimum Spend Required!

Apple AirPods 4

Valid until

21 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

21 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

21 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

21 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

21 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

21 July 2025

Things to consider for this product:

check

No Annual Fee

check

Nice card face

check

Good for beginners

check

Insurance payment rebate

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

-Government-issued ID

- Proof of income: payslip, BIR Form 2316, Original Certificate of Employment, Latest 1700 or 1701 ITR with bank or BIR stamp

Foreign Nationals:

- ACR or valid passport

- Proof of local residency: ICR, ACR-I-Card with Permanent Visa status or more than 1 year validity, AEP with more than 1 year validity, SRIV, or SRRV

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline requirement: Not required

UnionBank U Visa Platinum

3 Offers Available

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

No Minimum Spend Required!

Apple AirPods 4

Valid until

21 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

21 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

21 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

21 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

21 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

21 July 2025

Things to consider for this product:

check

No Annual Fee

check

Nice card face

check

Good for beginners

check

Insurance payment rebate

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Terms and Conditions :

Step to Apply :

Credit card requirement: Not required

Required Documents :

-Government-issued ID

- Proof of income: payslip, BIR Form 2316, Original Certificate of Employment, Latest 1700 or 1701 ITR with bank or BIR stamp

Foreign Nationals:

- ACR or valid passport

- Proof of local residency: ICR, ACR-I-Card with Permanent Visa status or more than 1 year validity, AEP with more than 1 year validity, SRIV, or SRRV

Eligibility :

Minimum Age: 21 years old

Maximum Age: 70 years old

Min. Annual Income: ₱ 180000

Landline requirement: Not required

UnionBank Rewards Credit Card

Annual Fee

Free

info

No annual fees for carded first-time UnionBank cardholders when you apply until December 31, 2025 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

3 Offers Available

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo

Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo

JBL Flip 7

Valid until

31 December 2025

Moneymax Latest Promo

Huawei Watch Fit 4

Valid until

31 December 2025

Moneymax Latest Promo

Marshall Major V Headphones

Valid until

31 December 2025

Moneymax Latest Promo

Nespresso Essenza Mini

Valid until

31 December 2025

Moneymax Latest Promo

₱5,000 eGift

Valid until

31 December 2025

No Minimum Spend Required!

Apple AirPods 4

Valid until

21 July 2025

No Minimum Spend Required!

JBL Flip 7

Valid until

21 July 2025

No Minimum Spend Required!

Huawei Watch Fit 4

Valid until

21 July 2025

No Minimum Spend Required!

Marshall Major V Headphones

Valid until

21 July 2025

No Minimum Spend Required!

Nespresso Essenza Mini

Valid until

21 July 2025

No Minimum Spend Required!

₱5,000 eGift

Valid until

21 July 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

Apply for eligible UnionBank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Apple AirPods 4; or
JBL Flip 7; or
Huawei Watch Fit 4; or
Marshall Major V Headphones; or
Nespresso Essenza Mini; or
₱5,000 eGift

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

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 June 30, 2025 and meet an annual spend of ₱250,000. 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

3 Offers Available

Metrobank Latest Promo

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

Metrobank Latest Promo

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

Metrobank Latest Promo

Panasonic Multi Hair Styler

Valid until

31 July 2025

Metrobank Latest Promo

Philips Electric Shaver

Valid until

31 July 2025

Metrobank Latest Promo

₱3,000 eGift

Valid until

31 July 2025

Metrobank Latest Promo

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

Metrobank Latest Promo

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

Metrobank Latest Promo

Panasonic Multi Hair Styler

Valid until

31 July 2025

Metrobank Latest Promo

Philips Electric Shaver

Valid until

31 July 2025

Metrobank Latest Promo

₱3,000 eGift

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

Apply for eligible Metrobank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

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

Free

info

Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until June 30, 2025 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

3 Offers Available

Metrobank Latest Promo

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

Metrobank Latest Promo

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

Metrobank Latest Promo

Panasonic Multi Hair Styler

Valid until

31 July 2025

Metrobank Latest Promo

Philips Electric Shaver

Valid until

31 July 2025

Metrobank Latest Promo

₱3,000 eGift

Valid until

31 July 2025

Metrobank Latest Promo

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

Metrobank Latest Promo

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

Metrobank Latest Promo

Panasonic Multi Hair Styler

Valid until

31 July 2025

Metrobank Latest Promo

Philips Electric Shaver

Valid until

31 July 2025

Metrobank Latest Promo

₱3,000 eGift

Valid until

31 July 2025

No Minimum Spend Required!

Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 July 2025

No Minimum Spend Required!

Dowell VSCH 011 Vacuum

Valid until

31 July 2025

No Minimum Spend Required!

Panasonic Multi Hair Styler

Valid until

31 July 2025

No Minimum Spend Required!

Philips Electric Shaver

Valid until

31 July 2025

No Minimum Spend Required!

₱3,000 eGift

Valid until

31 July 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

Apply for eligible Metrobank Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

Xiaomi Mi Smart Air Fryer 3.5L; or
Dowell VSCH 011 Vacuum; or
Panasonic Multi Hair Styler; or
Philips Electric Shaver; or
₱3,000 eGift

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

RCBC Flex Visa

Annual Fee

₱ 1,500 per year

Annual Fee Waiver

Yes

info

Free on the first year

Min. Annual Income

₱ 250,000

4 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

RCBC Latest Promo

Xiaomi Redmi Soundbar

Valid until

31 July 2025

RCBC Latest Promo

Huawei Band 10

Valid until

31 July 2025

RCBC Latest Promo

Emma Foam Pillow

Valid until

31 July 2025

RCBC Latest Promo

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

30 September 2025

Things to consider for this product:

check

Dining points

check

Shopping points

check

Travel insurance

check

Airport lounge

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit card requirement: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 250000

Landline requirement: Required

RCBC Flex Gold Visa

Annual Fee

₱ 3,000 per year

Annual Fee Waiver

Yes

info

Waived on the first year only.

Min. Annual Income

₱ 500,000

4 Offers Available

RCBC Latest Promo

Xiaomi Redmi Soundbar

+ 3 other gift options

Valid until

31 July 2025

RCBC Latest Promo

Xiaomi Redmi Soundbar

Valid until

31 July 2025

RCBC Latest Promo

Huawei Band 10

Valid until

31 July 2025

RCBC Latest Promo

Emma Foam Pillow

Valid until

31 July 2025

RCBC Latest Promo

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

Xiaomi Redmi Soundbar

Valid until

31 July 2025

Get THIS welcome gift!

Huawei Band 10

Valid until

31 July 2025

Get THIS welcome gift!

Emma Foam Pillow

Valid until

31 July 2025

Get THIS welcome gift!

₱2,000 eGift

Valid until

31 July 2025

Get THIS welcome gift!

No annual fees for life!

Valid until

30 September 2025

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

Xiaomi Redmi Soundbar; or
Huawei Band 10; or
Emma Foam Pillow; or
₱2,000 eGift

Gift Options

No annual fees for life!

Terms and Conditions :

Step to Apply :

Credit Card Required: Required

Required Documents :

Regular Employee

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income

Self-Employed

Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits

Eligibility :

Minimum Age: 21 years old

Maximum Age: 65 years old

Min. Annual Income: ₱ 500000

Landline Required: Required

HSBC Red Platinum Mastercard

Annual Fee

₱ 2,500

Annual Fee Waiver

Available

info

Free on the first year

Min. Annual Income

₱ 400,000

3 Offers Available

HSBC Latest Promo

₱3,500 eGift

Valid until

31 July 2025

HSBC Latest Promo

₱3,500 Philippine Airlines Voucher

Valid until

31 July 2025

HSBC Latest Promo

JBL Clip 5

Valid until

31 July 2025

HSBC Latest Promo

Nescafe Dolce Gusto Piccolo XS

Valid until

31 July 2025

HSBC Latest Promo

₱3,500 eGift

Valid until

31 July 2025

HSBC Latest Promo

₱3,500 Philippine Airlines Voucher

Valid until

31 July 2025

HSBC Latest Promo

JBL Clip 5

Valid until

31 July 2025

HSBC Latest Promo

Nescafe Dolce Gusto Piccolo XS

Valid until

31 July 2025

No Minimum Spend Required!

₱3,500 eGift

Valid until

31 July 2025

No Minimum Spend Required!

₱3,500 Philippine Airlines Voucher

Valid until

31 July 2025

No Minimum Spend Required!

JBL Clip 5

Valid until

31 July 2025

No Minimum Spend Required!

Nescafe Dolce Gusto Piccolo XS

Valid until

31 July 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Gift Options

₱3,500 eGift; or
₱3,500 Philippine Airlines Voucher; or
JBL Clip 5; or
Nescafe Dolce Gusto Piccolo XS

Gift Options

₱3,500 eGift; or
₱3,500 Philippine Airlines Voucher; or
JBL Clip 5; or
Nescafe Dolce Gusto Piccolo XS

Apply for eligible HSBC Credit Cards and get your chosen welcome gift when you activate your credit card—NO MINIMUM SPEND REQUIRED! Promo runs for a LIMITED time only.

Gift Options

₱3,500 eGift; or
₱3,500 Philippine Airlines Voucher; or
JBL Clip 5; or
Nescafe Dolce Gusto Piccolo XS

What is a no annual fee credit card?

expand_more

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?

expand_more

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?

expand_more

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?

expand_more

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?

expand_more

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.

Credit Cards with No Annual Fees in the Philippines

UnionBank U Visa Platinum

Offer Available

Things to consider for this product:

Quick Facts

UnionBank U Visa Platinum

3 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Rewards Credit Card

3 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

3 Offers Available

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

3 Offers Available

Things to consider for this product:

Quick Facts

RCBC Flex Visa

4 Offers Available

Things to consider for this product:

Quick Facts

RCBC Flex Gold Visa

4 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Platinum Mastercard

3 Offers Available

Things to consider for this product:

Quick Facts

Quick Facts

Need some help?

What is a no annual fee credit card?

How does a no annual fee credit card work?

What are the types of no annual fee credit cards?

Does a no annual fee credit card still come with fees?

Should I get a no annual fee credit card?