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No annual fees Type
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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! 

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FEATURED
UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Offer Available

Get a FREE welcome gift + ZERO annual fees for life!
₱4,000 eGift Giftaway
₱4,000 eGift Giftaway

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

FEATURED
HSBC Red Mastercard

HSBC Red Mastercard

Annual Fee
₱ 2,500  per year
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 200,000

Offer Available

Get a FREE welcome gift!
Xiaomi Photo Printer
Xiaomi Photo Printer

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

FEATURED
Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Offer Available

Get a FREE welcome gift!
₱2,500 eGift
₱2,500 eGift

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Metrobank Platinum Mastercard®

Metrobank Platinum Mastercard®

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 700,000
info

Offer Available

Get a FREE welcome gift + Reward Points!
₱2,500 eGift
₱2,500 eGift

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

Security Bank World Mastercard

Security Bank World Mastercard

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 3,000,000

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Offer Available

Get a FREE welcome gift!
₱2,500 eGift
₱2,500 eGift

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Metrobank World Mastercard®

Metrobank World Mastercard®

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,500,000
info

Offer Available

Get a FREE welcome gift + Reward Points!
₱2,500 eGift
₱2,500 eGift

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Fine dining

remove

High income requirement

BPI Gold Rewards Card

BPI Gold Rewards Card

Annual Fee
₱ 2,250  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 480,000

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Insurance installment

check

Exclusive discounts

BPI Amore Cashback Card

BPI Amore Cashback Card

Annual Fee
₱ 2,050  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

No-brainer rebate

check

Supermarket rebate

check

Installment

check

Exclusive discounts

Maybank Standard Mastercard

Maybank Standard Mastercard

Annual Fee
₱ 2,000  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 195,000
info

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

Maybank Visa Classic

Maybank Visa Classic

Annual Fee
₱ 2,000  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 195,000
info

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

BPI Rewards Card

BPI Rewards Card

Annual Fee
₱ 1,550  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

Petron-BPI Card

Petron-BPI Card

Annual Fee
₱ 1,550  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

No-brainer rebate

check

Petrol rebate

check

No Annual Fee

remove

Rebate cap applied

BPI Edge Card

BPI Edge Card

Annual Fee
₱ 1,320  per year
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

Shopping points

check

Installment

check

Nice card face

check

Exclusive discounts

AUB Platinum Mastercard

AUB Platinum Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 1,200,000
info

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

AUB Easy Mastercard

AUB Easy Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 252,000
info

Things to consider for this product:

check

No Annual Fee

check

Exclusive discounts

check

Choose your annual fee

check

Choose your due date

PNB-PAL Mabuhay Miles NOW Mastercard

PNB-PAL Mabuhay Miles NOW Mastercard

Annual Fee
₱ 1,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 120,000
info

Things to consider for this product:

check

Bonus air miles

check

Air ticket rebate

check

No Annual Fee

remove

High income requirement

AUB Classic Mastercard

AUB Classic Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 252,000
info

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Exclusive discounts

check

Choose your annual fee

Maybank Gold Mastercard

Maybank Gold Mastercard

Annual Fee
₱ 2,500  per year
info
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 420,000

Things to consider for this product:

check

Free reward points

check

No Annual Fee

check

Exclusive discounts

check

Dual currency

AUB Gold Mastercard

AUB Gold Mastercard

Annual Fee
Free
info
Annual Fee Waiver
Yes
Min. Annual Income
₱ 600,000
info

Things to consider for this product:

check

No Annual Fee

check

Shopping points

check

Bonus air miles

remove

High income requirement

PNB Ze-Lo Mastercard

PNB Ze-Lo Mastercard

Annual Fee
Free
Annual Fee Waiver
Yes
Min. Annual Income
₱ 120,000
info

Things to consider for this product:

check

No Annual Fee

check

Installment

check

Good for beginners

check

Exclusive discounts

BPI Platinum Rewards Card

BPI Platinum Rewards Card

Annual Fee
₱ 4,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,000,000

Things to consider for this product:

check

Free reward points

check

Online shopping points

check

Airport lounge

remove

High income requirement

BPI Amore Platinum Cashback Card

BPI Amore Platinum Cashback Card

Annual Fee
₱ 5,000  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,000,000

Things to consider for this product:

check

No-brainer rebate

check

Dining rebate

check

Food delivery

remove

High income requirement

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Offer Available

Get a FREE welcome gift + ZERO annual fees for life!
₱4,000 eGift Giftaway
₱4,000 eGift Giftaway

+ 2 other gift options

Valid until

29 February 2024

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

BPI Signature

BPI Signature

Annual Fee
₱ 5,500  per year
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 1,200,000

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Security Bank Wave Mastercard

Security Bank Wave Mastercard

Annual Fee
FREE
info
Annual Fee Waiver
Available
info
Min. Annual Income
₱ 360,000

Offer Available

Get a FREE welcome gift!
Sony WH-CH520 Wireless Headphones
Sony WH-CH520 Wireless Headphones

+ 2 other gift options

Valid until

31 March 2024

Things to consider for this product:

check

No annual fees

check

Online shopping rebate

check

Low interest rate

Metrobank Toyota Mastercard®

Metrobank Toyota Mastercard®

Annual Fee
Free
info
Annual Fee Waiver
Yes
info
Min. Annual Income
₱ 180,000
info

Things to consider for this product:

check

No Annual Fee

check

Free Reward Points

check

Fuel Rebate

check

Car Service Rebate

remove

Full perks limited to Toyota car owners

Need some help?

No worries, we've got you covered!

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.