Best No Annual Fee Credit Cards in the Philippines | Compare & Apply Online
Updated: Apr 16, 2026
Bank Logo | Product Name | 🔥 Hot Reward Pick | Earn Rate & Perks | Min. Annual Income | Ideal For | |
|---|---|---|---|---|---|---|
 | UnionBank U Visa Platinum | 10% Cashback | ₱180,000 | On Time Payers | ||
 | UnionBank Rewards Credit Card | 3 points / ₱30 | ₱180,000 | Shopping and Dining | ||
 | Metrobank Rewards Plus Visa | 2 points / ₱20 | ₱180,000 | Points Earners | ||
 | Metrobank Titanium Mastercard | 2 points / ₱20 | ₱180,000 | Everyday Shopper | ||
 | BPI Petron Card | 3% Petrol Cashback | ₱180,000 | Petron-loyal Motorists | ||
 | BPI Rewards Card | 1 point / ₱35 | ₱180,000 | Points Seekers | ||
 | BPI Gold Rewards Card | 1 point / ₱35 | ₱480,000 | Rewards Seekers | ||
 | BPI Amore Cashback Card | 4% Cashback | ₱180,000 | Grocery Shoppers | ||
 | BPI Platinum Rewards Card | 2 BPI Points / ₱20 | ₱1,000,000 | Lounge Access and Airmiles | ||
 | RCBC JCB Platinum | 1 point per ₱25 | ₱1,000,000 | Points Earners | ||
 | RCBC Black Card Platinum Mastercard | 5 points / ₱30 | ₱1,000,000 | Travel Rewards Seekers | ||
 | RCBC Flex Gold Visa | - | 2 points / ₱50 | ₱500,000 | Rewards Seekers |
Don’t miss out on these great deals:
🔥 Forward to Bigger Rewards with BPI & Gifts! 🔥
Apply for a BPI credit card and get a welcome gift worth up to ₱3,999! Choose from Sony headphones, and Xiaomi gadgets, or ₱2,000 cash credit.
Apply by May 31, 2026 to claim your reward
Participating Products:
BPI Amore Cashback Card
:
For Ayala Malls Shoppers
BPI Rewards Card
:
For Points Seekers
BPI Petron Card
:
For Petron-loyal Motorists
BPI Amore Platinum Cashback Card
:
For Restaurant-Goers
BPI Gold Rewards Card
:
For Rewards Seekers
BPI Platinum Rewards Card
:
For Lounge Access and Airmiles
BPI Visa Signature Card
:
For Low Value Forex
How to Qualify?
Follow these simple steps to claim your exclusive gift:
- Apply via Moneymax: Register your interest and submit your application for an eligible BPI credit card on the Moneymax website between Apr 30, 2026 and May 31 2026
- Get Approved: Ensure you are a new-to-BPI applicant with at least 12 months of credit card history elsewhere and that BPI approves your application with complete documents. Provide proof of approval via SMS screenshot.
- Choose Your Gift: Select one (1) of the following rewards:
- eGift Cash Credit worth PHP2,000
- Sony WH-CH520 Wireless Headphones (₱3,299)
- Xiaomi Photo Printer (₱3,599)
- Xiaomi Mi Band 10 (₱2,499) - Receive Your Gift:
- Physical Items: You will receive a confirmation email within 12 weeks of your application. Delivery is estimated 12-15 weeks after that confirmation.
- eGifts: The ₱2,000 cash credit will be sent directly to your email without a confirmation email.
Terms and Conditions apply.
Apply by May 31, 2026 to claim your reward
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
- No Annual Fee
- Nice card face
- Good for beginners
- Insurance payment rebate
- 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.
- No annual fee
- Free reward points
- Accelerated rewards
- Earn 2x Rewards Points (₱10 = 1 Rewards Point) on all online, electronics, gadgets, and mobile & internet purchases.
- Earn 1 Rewards Point for every ₱20 spent on all other purchases.
- Enjoy exclusive features and offers from Metrobank.
- Ideal for career-driven individuals who want to get rewarded for their spend.
- No annual fee
- Dining points
- Free reward points
- 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
- No annual fee
- Dining points
- Free reward points
- 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
- No-brainer rebate
- Petrol rebate
- No Annual Fee
- Rebate cap applied
- 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
- Free reward points
- Travel insurance
- Installment
- 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
- Shopping points
- Travel insurance
- Insurance installment
- 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
- No-brainer rebate
- Supermarket rebate
- Installment
- Exclusive discounts
- 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.
- Free reward points
- Online shopping points
- Airport lounge
- High income requirement
- Earn reward points for as low as ₱25 per spend.
- Access to world-class travel benefits and offers.
- Free travel insurance of up to ₱1 million for every trip.
- Free access to the Marhaba/Skyview Airport Lounge.
- Ideal for: frequent travelers locally and internationally.
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
- Non-expiring reward points.
- Free Travel Insurance up to ₱1,000,000.
- Free Purchase Protection up to P50,000.
- Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.
- 0% installment for your purchases abroad.
- Shopping points
- Online shopping points
- Travel insurance
- High income requirement
- Earn 2x rewards points on three preferred categories.
- Change your preferred categories once every billing cycle.
- Exchange your rewards points for shopping vouchers or redeem as cash rebates.
- With free travel insurance (Travel Plus Lite) and purchase protection.
- Get access to the Marhaba/Skyview Airport Lounge.
- Ideal for: millennials who are leveling up in life.
- Airport lounge
- Travel insurance
- Free reward points
- High income requirement
Frequently Asked Questions (FAQs)
One to two cards are ideal at the start; add more only if you can manage them responsibly.
Annual fees, late payment fees, over-limit charges, and foreign transaction fees. Some cards offer fee waivers - check terms.
Yes, but review for pro-rated annual fees or penalties. Redeem rewards before closing.
Credit Cards • Philippines
Find the Best Credit Card for Your Lifestyle
Looking for the best credit card in the Philippines? Moneymax helps you compare features, perks, and promos side-by-side. Whether you want a no-annual-fee card, maximum cashback, travel rewards, fuel savings, or your very first card, you’ll find a match in minutes.
Updated for 2025 • Offers subject to Moneymax and bank terms & conditions
Why Should You Compare Credit Cards?
Picking the right card helps you save more and maximize rewards. Our comparison tool lets you filter cards based on:
- Annual fees, waiver options, and eligibility requirements
- Cashback rates, rewards points, and miles earn
- Exclusive welcome gifts and promos
- Supplementary benefits such as travel insurance, lounge access, and fuel rebates
Top Credit Cards in the Philippines (2025): Highlights
Quick snapshots for each featured card—who it’s best for and three standout perks.
UnionBank Rewards Credit Card
Shop & dine points machine 3× points on select spend ₱30 = 1 pt (base) Flexible redemptions
UnionBank Cash Back Visa Platinum
Grocery-max household cashback Up to 6% groceries 2% Meralco via UB Online No min. spend
UnionBank U Visa Platinum
Fee-free, stress-free spender No annual fees for life No late/overlimit fees Interest rebate for on-time pay
UnionBank Miles+ Visa Signature
Miles chaser with lounge perks 1 mile/₱30 (base) Airport lounge access Travel insurance
UnionBank Shell Power Visa Platinum
Shell-loyal motorists Fuel rebates at Shell Toll & auto-service perks Roadside assistance
Metrobank Titanium Mastercard®
Daily spend points boost 2× points: online & dining ₱20 = 1 pt (base) Waiver with annual spend
Metrobank Platinum Mastercard®
Diners’ deals & protection Up to 50% dining deals e-Commerce protection Free 1st supplementary
Metrobank World Mastercard®
Lounge-loving jetsetters Global lounge access Unlimited local lounges Premium dining & travel offers
RCBC Flex Visa
Choose your bonus categories 2× points on 2 picks Easy category switching Travel insurance
RCBC Flex Gold Visa
Triple-category earner 2× points on 3 picks Miles / eGC / cash credit Purchase protection
RCBC Visa Platinum
Premium travel with lounges Priority Pass membership Unlimited local lounge (PAGSS) Great overseas earn
RCBC Visa Infinite
High-spend multipliers & concierge Up to 5× points Infinite concierge Travel & e-com protection
HSBC Red Platinum Mastercard
Online & overseas accelerator 4× bonus points ₱20 = 1 pt (base) Caltex fuel rebates
HSBC Live+ Credit Card
Dining & lifestyle cashback star High dining cashback Shopping & entertainment Travel insurance coverage
BPI Rewards Card
Simple earn, broad redemptions BPI Rewards Points Wide partner ecosystem Easy redemption
BPI Petron Card
Petron fuel saver Fuel rebates at Petron Generous annual cap Cash advance enabled
BPI Amore Cashback Card
Ayala Malls essentials 4% supermarkets 1% drugstores & utilities Ayala Malls lounge access
BPI Amore Platinum Cashback Card
Dining & retail everyday 4% restaurants/food delivery 1% supermarkets & dept. stores 0.3% other spend
BPI Gold Rewards Card
Mid-tier points with perks ₱35 = 1 pt Global acceptance Vybe redemption
BPI Platinum Rewards Card
Lounge access + high points 2 pts/₱30 local 2 pts/₱20 foreign Priority Pass perks
BPI Visa Signature Card
Low forex, premium earn 2 pts/₱20 ~1.85% FX fee Signature dining deals
Security Bank Gold Mastercard
Non-expiring daily points 1 pt/₱20 base Exclusive promos Higher limit tier
Security Bank Platinum Mastercard
Travel perks + double points 2× non-expiring points Airport lounge access Travel insurance
Security Bank World Mastercard
Top-tier lounge & earn ~6 lounge visits/yr 3× non-expiring points Medical coverage on trips
Comparison Snapshot (Editor’s Picks)
| Credit Card | Key Benefits |
|---|---|
| UnionBank Rewards Card | 3× points on shopping & dining; base earn ₱30 = 1 point |
| UnionBank Cash Back Visa Platinum | Up to 6% cashback on groceries; 2% Meralco via UB Online; no minimum spend |
| Metrobank Titanium Mastercard® | 2× points on dining & online; base earn ₱20 = 1 point |
| RCBC Flex Visa | 2× points on two selected categories; travel insurance benefit |
Exact rates, caps, and waiver conditions depend on bank-specific terms and current promos. Always review details on the application page before applying.
How to Use Our Credit Card Comparison Tool
- Choose your credit card preferences: rewards, cashback, travel, no-annual fee
- Compare perks easily: cashback, rewards, waived annual fees, welcome offers.
- Evaluate long-term value: annual fees, interest rates, rewards redemption, lounge access.
Moneymax Pro Tip Stack value: pair a “cashback on essentials” card (groceries, fuel, utilities) with a “travel/miles” card for flights and hotels to maximize overall savings.
Common Application Requirements
- Age: Typically 21+ (some banks accept 18+)
- Filipino citizenship or residency
- Proof of income (Payslips, BIR Form 2316 / ITR)
- Valid government-issued IDs and employment details
Credit Card Selection & Approval Tips
- Match your card to where you spend most (groceries, dining, fuel, travel, online).
- Check fee waivers (e.g., first-year free or spend-based waivers) and foreign transaction fees.
- If new to credit, start with beginner-friendly or no-annual-fee cards.
- Pay in full monthly to avoid interest; set up auto-debit or reminders.
- Watch promo caps and qualifying spend windows to fully earn bonuses.
Why Choose Moneymax?
- Free comparison tailored to your needs
- Exclusive promos from leading banks
- Transparent application process and expert support
- Comprehensive guides to help you decide better
Ready to find your ideal credit card? Compare and apply now to unlock exclusive offers.