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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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HSBC

Metrobank

UnionBank

UnionBank U Visa Platinum

Annual Fee

Free

info

No annual fees for life!

Min. Annual Income

₱ 180,000

Interest Rate

3 %

2 Offers Available

Get 1 Raffle Entry and have a chance to Win an iPhone 16 128GB When You Apply Now!

Apple iPhone 16 128GB

Valid until

15 October 2025

No Minimum Spend Required!

₱5,000 eGift

+ 6 other gift options

Valid until

15 October 2025

Things to consider for this product:

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No Annual Fee

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Nice card face

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Good for beginners

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Insurance payment rebate

Apply for eligible UnionBank Credit Cards and get a raffle entry for the chance to win Iphone 16 128gb! Promo runs for a LIMITED time only.

Gift Options

Apple iPhone 16 128GB

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

₱5,000 eGift; or
Apple AirPods 4; or
Acerpure Beauty Ionic Hair Dryer; or
Marshall Major V Headphones; or
New Balance Giftaway Voucher; or
Capital Giftaway Voucher; or
Huawei Watch Fit 4

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.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

2 Offers Available

Get 1 Raffle Entry and have a chance to Win an iPhone 16 128GB When You Apply Now!

Apple iPhone 16 128GB

Valid until

15 October 2025

No Minimum Spend Required!

₱5,000 eGift

+ 6 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

Apply for eligible UnionBank Credit Cards and get a raffle entry for the chance to win Iphone 16 128gb! Promo runs for a LIMITED time only.

Gift Options

Apple iPhone 16 128GB

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

₱5,000 eGift; or
Apple AirPods 4; or
Acerpure Beauty Ionic Hair Dryer; or
Marshall Major V Headphones; or
New Balance Giftaway Voucher; or
Capital Giftaway Voucher; or
Huawei Watch Fit 4

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

HSBC Red Platinum Mastercard

Annual Fee

₱ 2,500

Min. Annual Income

₱ 400,000

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱3,500 eGift

+ 3 other gift options

Valid until

31 October 2025

Things to consider for this product:

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Accelerated rewards

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Shopping points

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Dining points

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Credit card 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 September 30, 2025 and meet an annual spend of ₱250,000. After the No Annual Fee promo, annual fee is ₱2,500.

Min. Annual Income

₱ 180,000

info

₱15,000 Monthly

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱3,000 eGift

+ 2 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

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 September 30, 2025 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

Monthly Effective Interest Rate

3 %

Offer Available

No Minimum Spend Required!

₱3,000 eGift

+ 2 other gift options

Valid until

15 October 2025

Things to consider for this product:

check

No Annual Fee

check

Free reward points

check

Dining discount

remove

High income requirement

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

What is a no annual fee credit card?

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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.

Credit Cards with No Annual Fees in the Philippines

UnionBank U Visa Platinum

2 Offers Available

Things to consider for this product:

Quick Facts

UnionBank Rewards Credit Card

2 Offers Available

Things to consider for this product:

Quick Facts

HSBC Red Platinum Mastercard

Offer Available

Things to consider for this product:

Quick Facts

Metrobank Titanium Mastercard®

Offer Available

Things to consider for this product:

Quick Facts

Metrobank Platinum Mastercard®

Offer 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?