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!
FEATURED
UnionBank U Visa Platinum

UnionBank U Visa Platinum

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

Offer Available

No Minimum Spend Required!
₱5,000 eGift
₱5,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
Apple AirPods 4
Apple AirPods 4

Valid until

30 June 2025

No Minimum Spend Required!
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

30 June 2025

No Minimum Spend Required!
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

30 June 2025

Things to consider for this product:

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No Annual Fee

check

Nice card face

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Good for beginners

check

Insurance payment rebate

UnionBank U Visa Platinum

UnionBank U Visa Platinum

3 Offers Available

Moneymax Latest Promo
₱5,000 eGift
₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo
Apple AirPods 4
Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

31 December 2025

Moneymax Latest Promo
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

31 December 2025

Moneymax Latest Promo
₱5,000 eGift
₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo
Apple AirPods 4
Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

31 December 2025

Moneymax Latest Promo
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

31 December 2025

No Minimum Spend Required!
₱5,000 eGift
₱5,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
Apple AirPods 4
Apple AirPods 4

Valid until

30 June 2025

No Minimum Spend Required!
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

30 June 2025

No Minimum Spend Required!
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

30 June 2025

Things to consider for this product:

check

No Annual Fee

check

Nice card face

check

Good for beginners

check

Insurance payment rebate

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

4 Offers Available

Moneymax Latest Promo
₱5,000 eGift
₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo
Apple AirPods 4
Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

31 December 2025

Moneymax Latest Promo
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

31 December 2025

Moneymax Latest Promo
₱5,000 eGift
₱5,000 eGift

Valid until

31 December 2025

Moneymax Latest Promo
Apple AirPods 4
Apple AirPods 4

Valid until

31 December 2025

Moneymax Latest Promo
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

31 December 2025

Moneymax Latest Promo
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

31 December 2025

No Minimum Spend Required!
₱5,000 eGift
₱5,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
Apple AirPods 4
Apple AirPods 4

Valid until

30 June 2025

No Minimum Spend Required!
Sennheiser HD 350BT
Sennheiser HD 350BT

Valid until

30 June 2025

No Minimum Spend Required!
Acerpure Beauty Ionic Hair Dryer
Acerpure Beauty Ionic Hair Dryer

Valid until

30 June 2025

Get THIS welcome gift!
No annual fees for life!
No annual fees for life!

Valid until

31 December 2025

Things to consider for this product:

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No annual fee

check

Free reward points

check

Accelerated rewards

HSBC Red Platinum Mastercard

HSBC Red Platinum Mastercard

3 Offers Available

HSBC Latest Promo
₱3,500 eGift
₱3,500 eGift

Valid until

31 December 2025

HSBC Latest Promo
₱3,500 Philippine Airlines Voucher
₱3,500 Philippine Airlines Voucher

Valid until

31 December 2025

HSBC Latest Promo
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

Valid until

31 December 2025

HSBC Latest Promo
₱3,500 eGift
₱3,500 eGift

Valid until

31 December 2025

HSBC Latest Promo
₱3,500 Philippine Airlines Voucher
₱3,500 Philippine Airlines Voucher

Valid until

31 December 2025

HSBC Latest Promo
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

Valid until

31 December 2025

No Minimum Spend Required!
₱3,500 eGift
₱3,500 eGift

Valid until

30 June 2025

No Minimum Spend Required!
₱3,500 Philippine Airlines Voucher
₱3,500 Philippine Airlines Voucher

Valid until

30 June 2025

No Minimum Spend Required!
Nescafe Dolce Gusto Piccolo XS
Nescafe Dolce Gusto Piccolo XS

Valid until

30 June 2025

Things to consider for this product:

check

Accelerated rewards

check

Shopping points

check

Dining points

remove

Credit card required

Metrobank Titanium Mastercard®

Metrobank Titanium Mastercard®

4 Offers Available

Metrobank Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

Metrobank Latest Promo
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

31 December 2025

Metrobank Latest Promo
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 December 2025

Metrobank Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

Metrobank Latest Promo
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

31 December 2025

Metrobank Latest Promo
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

30 June 2025

No Minimum Spend Required!
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

30 June 2025

Get THIS welcome gift!
No annual fees for life!
No annual fees for life!

Valid until

30 June 2025

Things to consider for this product:

check

No annual fee

check

Dining points

check

Free reward points

Metrobank Platinum Mastercard®

Metrobank Platinum Mastercard®

4 Offers Available

Metrobank Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

Metrobank Latest Promo
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

31 December 2025

Metrobank Latest Promo
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 December 2025

Metrobank Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

Metrobank Latest Promo
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

31 December 2025

Metrobank Latest Promo
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
Oral B Vitality 100 CrossAction Electric Toothbrush
Oral B Vitality 100 CrossAction Electric Toothbrush

Valid until

30 June 2025

No Minimum Spend Required!
Xiaomi Mi Smart Air Fryer 3.5L
Xiaomi Mi Smart Air Fryer 3.5L

Valid until

30 June 2025

Get THIS welcome gift!
No annual fees for life!
No annual fees for life!

Valid until

30 June 2025

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

3 Offers Available

Security Bank Latest Promo
₱5,000 eGift
Win ₱50,000 eGCs! ₱5,000 eGift

Valid until

30 June 2025

Security Bank Latest Promo
₱5,000 eGift
Win ₱50,000 eGCs! ₱5,000 eGift

Valid until

30 June 2025

Get a chance to win!
₱5,000 eGift
₱5,000 eGift

Valid until

30 June 2025

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

BPI Gold Rewards Card

BPI Gold Rewards Card

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

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

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

No-brainer rebate

check

Supermarket rebate

check

Installment

check

Exclusive discounts

Maybank Standard Mastercard

Maybank Standard Mastercard

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

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

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Installment

check

Exclusive discounts

BPI Petron Card

BPI Petron Card

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

No-brainer rebate

check

Petrol rebate

check

No Annual Fee

remove

Rebate cap applied

BPI Edge Mastercard

BPI Edge Mastercard

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

Shopping points

check

Installment

check

Exclusive discounts

AUB Platinum Mastercard

AUB Platinum Mastercard

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

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

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

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

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

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

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

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

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

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

No-brainer rebate

check

Dining rebate

check

Food delivery

remove

High income requirement

BPI Visa Signature Card

BPI Visa Signature Card

3 Offers Available

BPI Latest Promo
₱2,000 eGift
₱2,000 eGift

Valid until

31 December 2025

BPI Latest Promo
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

31 December 2025

No Minimum Spend Required!
₱2,000 eGift
₱2,000 eGift

Valid until

30 June 2025

No Minimum Spend Required!
JBL Go 4 Ultra-Portable Bluetooth Speaker
JBL Go 4 Ultra-Portable Bluetooth Speaker

Valid until

30 June 2025

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

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.