CREDIT

Jan 14 2020

Credit card company comparison & Video

#Credit #card #company #comparison



Credit card company comparison

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Showing 127 results of all credit cards in the Philippines No results found

Citi Rewards Card

Earn 3x Rewards Points when you shop and dine

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱2,500.00

Citi Simplicity+ Card

No annual fee, late fees and overlimit fees – ever.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee Free

Citi PremierMiles Card

Earn 1 never-expiring mile for every ₱30 spend

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱5,000.00

Robinsons Bank Platinum DOS Mastercard

All Straight Retail Purchase split into 2-Gives at 0% interest

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee Free

Citi Cash Back Card

Rebates on your groceries

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱3,500.00

HSBC Red Mastercard

Get rewarded up to 4x faster

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

HSBC Gold Visa Cash Back Credit Card

Get 5% cash back for all dining spends

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱2,500.00

AUB Easy Mastercard

The credit card that lets you choose how much to pay and when to pay.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee Free

HSBC Platinum Card

4x points for Overseas Spending

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱5,000.00

AUB Platinum Mastercard

The credit card that lets you earn 4x Bonus Rewards point for your overseas transactions.

Interest Rate (monthly) 2.25%
Balance Transfer (monthly) N/A
Annual Fee Free

Citi Mercury Drug Card

Get up to 10% rebate on Mercury Drug and enjoy savings on your other expenses.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱2,000.00

AUB Gold Mastercard

The credit card that lets you earn 2x Bonus Rewards point for your overseas transactions.

Interest Rate (monthly) 2.25%
Balance Transfer (monthly) N/A
Annual Fee Free

AUB > The credit card that lets you choose how much to pay and when to pay.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee Free

BPI Blue Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,550.00

BPI Gold Card

No frills Gold credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱2,250.00

BPI Edge Card

Be updated with the hippest styles and events

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,320.00

BPI Ayala Malls Amore Card

Shop in Style and never-ending rewards.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱2,050.00

BPI Delta SkyMiles Platinum Card

Fly high with points

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱5,000.00

BPI Delta SkyMiles > Travel in style with Delta Airlines

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱2,050.00

Metrobank M Free MasterCard

No need to think of the annual fee. It’s free!

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee Free

Metrobank Femme Visa

A female shopper’s must-have

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱2,000.00

Metrobank M Lite MasterCard

Minimum Interest. Maximum Savings.

Interest Rate (monthly) 2.49%
Balance Transfer (monthly) 0.68%
Annual Fee ₱1,500.00

Citi Prestige Card

Rewards at its finest

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱12,000.00

Metrobank > No frills credit card

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱1,500.00

Metrobank Platinum Peso MasterCard

Platinum done right

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱4,500.00

Metrobank World MasterCard

Fly Away with your Points

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱6,000.00

Metrobank Toyota MasterCard

Your complete motorist card.

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱2,500.00

EastWest Bank Practical Card

Practical spending at every swipe

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.9%
Annual Fee ₱1,400.00

EastWest Bank Platinum Card

All-purpose Platinum Credit card

Interest Rate (monthly) 2.75%
Balance Transfer (monthly) 0.9%
Annual Fee Free

EastWest Bank > No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.9%
Annual Fee ₱1,500.00

EastWest Bank Gold Card

All-purpose Gold credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.9%
Annual Fee ₱2,500.00

EastWest Bank EveryDay Card

Everyday necessities made affordable

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.9%
Annual Fee ₱2,800.00

RCBC Bankard > The young shoppers’ all-occasion shopping mate.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,500.00

RCBC Bankard Gold Card

Unlimited Rewards on every purchase

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱3,000.00

RCBC Bankard Black Card Platinum Peso

The highly prestigious card for career-oriented individuals

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱3,600.00

RCBC Bankard Visa Infinite

Make local or overseas travel, shopping and dining infinitely fun.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱3,600.00

BDO Titanium Card

Low interest of 2.75% a month.

Interest Rate (monthly) 2.75%
Balance Transfer (monthly) 0.6%
Annual Fee ₱4,500.00

Bank of Commerce Platinum Mastercard

Experience Dual Currency Billing privileges

Interest Rate (monthly) 2.95%
Balance Transfer (monthly) N/A
Annual Fee Free

PNB Mabuhay Miles Platinum MasterCard

One of the highly rewarding credit cards in the country

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱3,000.00

RCBC Bankard AirAsia Credit Card

Your ticket to free AirAsia flights

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱2,400.00

BDO Platinum Card

Low interest of 2.50% a month

Interest Rate (monthly) 2.75%
Balance Transfer (monthly) 0.6%
Annual Fee ₱4,500.00

RCBC Bankard UnionPay Card

Ideal card for frequent travelers to China and Hong Kong

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,500.00

RCBC Bankard Flex Gold Visa Credit Card

Card with rewarding benefits for young professionals on the go

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱3,000.00

BDO Standard MasterCard

Basic, no-frills card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱1,500.00

American Express® Cashback Credit Card

Earn cashback on all your local and overseas expenses

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱3,000.00

RCBC Bankard Wilcon Card

Helps you build your dream house

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,200.00

Bank of Commerce Gold Mastercard

Get higher limit for your spending needs.

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) N/A
Annual Fee ₱2,500.00

RCBC Bankard Mango Card

Glam up in style the Mango fashionista way

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,200.00

Union Bank Insular Life Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Metrobank Robinsons > Card that gives you complete shopping experience

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.68%
Annual Fee ₱2,000.00

Union Bank Corporate Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

EastWest Bank Dolce Vita Titanium

A female shopper’s must-have

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.9%
Annual Fee ₱2,000.00

RCBC Bankard Fully Booked Card

Reading gets more exciting in many ways

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,500.00

RCBC Bankard World Card

Exclusive Travel Deals All Year- Round

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱3,600.00

PNB Diamond UnionPay

Get more value for your money when you travel across Asia

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱2,500.00

Citi Shell Card

Rebates on your daily drive.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.99%
Annual Fee ₱2,500.00

PNB Land Rover Platinum MasterCard

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱2,500.00

RCBC Bankard Phoenix Card

Enjoy pulse-racing lifestyle rewards

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,800.00

Union Bank Cebu Pacific GetGo Gold Credit Card

Credit card that lets you fly for free faster

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱3,000.00

Security Bank World Mastercard

Your card to a world of lifestyle privileges

Interest Rate (monthly) 2.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱5,000.00

PNB Jewelmer Joaillerie Platinum MasterCard

Your access to a refined world of top caliber services, benefits and rewards.

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱3,000.00

Union Bank Platinum MasterCard

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱3,000.00

PNB The Travel Club Platinum MasterCard

Travel more. Spend Less.

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee Free

BDO Shopmore Mastercard

Low Monthly Fee.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱1,500.00

RCBC Bankard HBC Card

Enjoy discounts from HBC

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱960.00

Metrobank Femme Signature Visa

For The Woman on Top

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱4,500.00

BDO Cathay Pacific American Express

Travel with no-frills plus Insurance

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱2,400.00

Maybank > No frills credit card

Interest Rate (monthly) 3%
Balance Transfer (monthly) 0.88%
Annual Fee ₱1,000.00

Maybank Platinum Card

All – purpose Platinum

Interest Rate (monthly) 3%
Balance Transfer (monthly) 0.88%
Annual Fee ₱3,000.00

RCBC Bankard LJC Card

The total dining card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱960.00

Maybank Gold Card

No frills Gold credit card

Interest Rate (monthly) 3%
Balance Transfer (monthly) 0.88%
Annual Fee ₱2,000.00

RCBC Bankard Diamond Card Platinum

The only bona fide Platinum card for those who give importance to career, family, & community.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱2,500.00

RCBC Bankard Flex Visa Credit Card

Millennials’ card for achieving life’s goals

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,500.00

Union Bank Gold Card

No frills, high credit limit

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱2,500.00

BDO Gold Card

Dual Currency Billing

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.6%
Annual Fee ₱2,400.00

PNB Platinum Card

Simple, all-purpose credit card

Interest Rate (monthly) 3%
Balance Transfer (monthly) 0.88%
Annual Fee ₱3,000.00

Bank of Commerce World Mastercard

Your Gateway to Luxury Travel Benefits and Privileges

Interest Rate (monthly) 2.95%
Balance Transfer (monthly) 0%
Annual Fee ₱5,000.00

RCBC Bankard Sta. Lucia Mall Card

Mall-Wide Rewards and exclusive privileges

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,200.00

Chinabank Platinum MasterCard

Your total luxury card

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) N/A
Annual Fee ₱3,500.00

BDO JCB Lucky Cat

Your “lucky” card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱1,500.00

BDO Diners Club International

The card that starts your journey

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.6%
Annual Fee ₱3,000.00

Metrobank Gold

Choose the card that helps you keep fit

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱2,500.00

Chinabank Prime MasterCard

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Union Bank Burgoo Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

RCBC Bankard Landmark Anson’s MasterCard

Loyalty card, discount card, and credit card ALL-IN-ONE.

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱960.00

Union Bank Miles + Platinum Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱3,000.00

Chinabank World MasterCard

Your ultimate privilege lifestyle card

Interest Rate (monthly) 3%
Balance Transfer (monthly) N/A
Annual Fee ₱6,000.00

PNB Essentials MasterCard

All-purpose, no-frills credit card.

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱1,200.00

Security Bank Gold MasterCard

The Card for Everyone

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱2,500.00

Union Bank Racks Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Security Bank Complete Cashback Card

Get cashback for your everyday expenses!

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱3,000.00

Union Bank > No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

EastWest Bank Hyundai MasterCard

Gas and Accessories Discounts for your Hyundai

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.9%
Annual Fee ₱2,000.00

Security Bank > The better way to make your everyday purchases

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱2,000.00

Union Bank Riviera Golf Club Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Union Bank Home Depot Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Union Bank Cebu Pacific GetGo Platinum Credit Card

Credit card that lets you fly for free faster

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱5,000.00

PNB Mabuhay Miles World MasterCard

One of the highly rewarding credit cards in the country

Interest Rate (monthly) 2.7%
Balance Transfer (monthly) 0.88%
Annual Fee ₱6,000.00

Union Bank Bai Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

BDO Diners Club Premiere

Your Dining and Travel Credit Card

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.6%
Annual Fee ₱4,500.00

BDO Laus AutoGroup MasterCard

The card that revs up your lifestyle!

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.6%
Annual Fee ₱2,400.00

BDO Forever 21 Card

Forever 21 Addict Shopper’s Must- Have

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.6%
Annual Fee ₱2,400.00

Union Bank North Face Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Metrobank Robinsons Gold Mastercard

Card that gives you complete shopping experience

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.68%
Annual Fee ₱3,000.00

Union Bank Cebu Parklane International Hotel Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

BPI Ayala Malls Amore Platinum Card

Shop in Style and never-ending rewards

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱5,000.00

Union Bank Platinum Card

No frills, high credit limit

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱3,000.00

BDO Bench Card

Bench Clothing Shopper’s Must- Have

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.6%
Annual Fee ₱2,400.00

Bank of Commerce > High Rewards Points for every spend.

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) N/A
Annual Fee ₱1,200.00

Union Bank Phoenix Petroleum Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Union Bank Shop and Talk Visa Card

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

PNB Super 8 Unli-Rebate MasterCard

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱800.00

BPI Petron Card

Gas rebates with Petron!

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 0.79%
Annual Fee ₱1,550.00

Security Bank Click MasterCard

Your ultimate online spending partner!

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱3,000.00

Union Bank Suy Sing Visa Card

No frills credit card

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) N/A
Annual Fee ₱1,500.00

Security Bank Platinum Card

Your Card that Gives You Privileges Beyond Measure

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 1.9%
Annual Fee ₱4,000.00

Metrobank Robinsons Cebu Pacific Gold

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱3,000.00

UCPB > **This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 12%
Annual Fee ₱1,200.00

Security Bank Diners Club International

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱2,000.00

Security Bank Diners Club Premiere

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱4,000.00

Security Bank SeaOil

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 1.9%
Annual Fee ₱1,500.00

UCPB Gold Card

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 12%
Annual Fee ₱2,500.00

Standard Chartered Gold Card

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 10.56%
Annual Fee ₱2,500.00

Standard Chartered Cash Rewards

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 10.56%
Annual Fee ₱2,750.00

Standard Chartered > **This Product Has Been Discontinued**

Interest Rate (monthly) 3.5%
Balance Transfer (monthly) 10.56%
Annual Fee ₱1,200.00

Metrobank Robinsons Cebu Pacific > **This Product Has Been Discontinued**

Interest Rate (monthly) 3.54%
Balance Transfer (monthly) 0.68%
Annual Fee ₱2,000.00

PNB Jaguar Platinum MasterCard

**This Product Has Been Discontinued**

Interest Rate (monthly) 3.25%
Balance Transfer (monthly) 0.88%
Annual Fee ₱2,500.00

What Is A Credit Card?

A credit card is a payment card issued by a financial entity (i.e. the card issuer), which allows a card holder to purchase goods and services on credit.

How Do Credit Cards Work In The Philippines

Credit cards work similarly to personal loans. When you make a payment using a credit card, you are essentially “borrowing” money from the card issuer. By the end of each month, you are expected to repay the amount you’ve “borrowed”. If you don’t pay it in full, you’ll be charged interest on the unpaid amount.

What’s The Difference Between A Credit Card And A Debit Card?

A simple and straightforward description would be “pay now” or “pay later”, the former pertaining to debit whereas the latter for credit cards. A debit card is linked to your bank account so that every transaction is automatically deducted from your account. As for credit cards, the issuer or the bank, provides a credit limit which is the maximum amount that you can “borrow” for your purchases.

Different Categories Of Credit Cards Available In The Philippines

There are a variety of credit card categories, each with their own corresponding benefits and privileges. In the Philippines, here are the major classification of credit cards you can consider:

  • Shopping Credit Cards: If you love to shop, then these are the right cards for you. Centered on shopping purchases, you get reward points and exclusive discounts when purchasing from distinct merchants using the specified card.
  • Travel Miles Credit Cards: Get to receive mile points on select transactions and redeem them for free flights. You also enjoy travel-related privileges such as exclusive access to VIP lounges, free travel insurance and seats upgrades with participating airlines.
  • Gas Credit Cards: For those who drive and travel a lot, these cards offer gas discounts and other related benefits such as discount on car services, free roadside assistance, and up to 5% rebate on fuel purchases.
  • Cashback Credit Cards: If you want to get your money back as you spend, then cashback credit cards are for you. Using these cards let’s you receive cash rebates of up to 6% on what you spend on the most.
  • Groceries Credit Cards: Using these cards to purchase your groceries can give you better reward points and higher cashback of up to 6%.
  • Dining Credit Cards: Is eating out your thing? Unleash the foodie in you while you enjoy exclusive discounts and privileges from your favorite restaurants.
  • Entertainment Credit Cards: Enjoy your night out with friends or family as you get exclusive mall privileges, free movie tickets, special discounts and more.
  • Rewards Credit Cards: Most cards offer reward points for every purchase made using your credit card. You can redeem your reward points for gift items, vouchers and other freebies as indicated in the bank’s reward catalogue.
  • Low Interest Credit Cards: These cards offer lower interest rates compared to conventional credit cards.
  • Premium Credit Cards: Premium credit cards have promotions and privileges that cater to offer higher-end products and services such as overseas spending perks, access to select clubs and golf courses, as well as exclusive dining and shopping privileges.

How To Choose The Best Credit Card For You

We aim to help you find the best card for your lifestyle. With the SmartSearch feature, we can easily provide a list of featured cards that fit your specific need. You just need to go through a simple process via our online tool and our system will automatically show a list of recommended credit cards specifically for you.

Alternatively, you can also use the features on top of this page where you can select which category suits you or use the filter to narrow down your search via salary range, features, or specific bank.

How To Apply For Credit Card Online

You will find that both our SmartSearch tool and Credit Card Comparison page lets you compare credit cards conveniently by showcasing their main features and benefits. You can then select your preferred card and apply online directly in just a few clicks!

Credit Card Interest Rates In The Philippines

In the Philippines, banks usually charge interest of around 3.5% per month on the unpaid outstanding portion of your credit card bill. This may vary depending on the particular card of the issuing bank. Some card issuers may also have higher or lower interest rates depending on their operating policies. In general, the higher your unpaid outstanding balance, the greater interest charge you’ll have to pay.

Minimum Monthly Repayments Of Credit Cards In The Philippines

In the Philippines, credit card holders are generally required to make a minimum payment of 5% of the credit card bills on the due date every month. Failure to do so may result in penalties, which differ from bank to bank.

Will I Go to Jail If I Don’t Pay My Credit Card Debt In The Philippines?

Not paying credit card debt is not a criminal case under the Philippine Law. However, the creditor may file a civil case against you to collect the money. Also, be aware that banks share information with each other; you may find it difficult to apply for loans or other financial products with other banks once one of them tags you as a delinquent payer.

Process And Documentation Needed To Apply For A Credit Card

After selecting your preferred credit card and applying directly online, you need to prepare the specific documents needed in processing your application. The documents needed for a credit card application differ from card issuer to card issuer, but commonly include:

Identification: Driver’s License, Passport, Company ID, etc. Proof Of Income: Income Tax Return, Pay Slips, Certificate Of Employment.

List Of Banks Providing Credit Cards In The Philippines

AUB Easy Mastercard is the only card that lets you enjoy payment flexibility like no other. Get to choose how many times to pay per month, when to pay, and how much. With low minimum monthly income requirement and free for life annual membership fee, you cannot go wrong with AUB.

Bank of Commerce Philippines have been serving the Filipino people since 1963 and is one of the more progressive financial institutions in the country. In 2008, they have successfully partnered with San Miguel Group, further strengthening their operations in providing a variety of products and services across 125 branches nationwide.

As one of the country’s top banks, you can choose from a variety of credit cards, whether for shopping, dining, travel, or overseas spending. Enjoy cards with low monthly fee as well as low interest rates of up to 2.5% per month. You can also get free gifts and year-round discounts at Bench and Forever 21 stores nationwide.

Being one of the premier banks in the Philippines, BPI offers a wide range of credit cards that showcase shopping, travel, and gas privileges. Get free travel insurance package of up to ₱20 million, use your points for free plane tickets, plus enjoy entertainment, gas, and dining discounts up to 5%.

Chinabank has a card for every lifestyle. From basic to a more premium way of life, there are perks, discounts, and promotions lined up for your shopping and leisure needs nationwide.

As a world renowned bank, Citibank has a credit card that fits every lifestyle. Whether it’s for reward points, cashback, travel, or gas benefits, you won’t run out of exclusive perks and privileges. Get up to 6% rebate on groceries spending and 3x non-expiring rewards points.

With a variety of credit cards to choose from, EastWest Bank has one that caters to your way of life. You can enjoy up to 65% savings on premium perks and privileges, as well as 5% cash rebate on your regular everyday purchases.

Apply now for an HSBC credit card and start to enjoy up to 4x accelerated reward points. You can also get 3% rebate plus rewards on Caltex gas stations and 0% installment plan with select merchants nationwide.

Maybank credit cards offers first class convenience that’s beneficial for everyone with their ‘EzyPlans’. Get flexible installment plans from 3 to 24 months with EzyPay, consolidate your other card balances for a lower interest using EzyTransfer, and optimize payment of your outstanding balances with EzyConvert.

As one of the largest banks in the Philippines, Metrobank features credit cards that have a wide range of exclusive privileges and promotions. Featuring a non-platinum card with the lowest monthly interest rate of 2.49% with free annual fee for life, the M Free/Lite MasterCard is one of the best cards in the market to date.

When it comes to dining, travelling, or shopping payment convenience, PNB offers the ultimate rewards program as you earn rebates while you spend, as well as Mabuhay Miles points with a very low conversion of only ₱33. Whether you’re enjoying various perks and discounts or paying for basic necessities, PNB credit cards provide reliability you can count on.

Enjoy the convenience as you apply online for an RCBC credit card. Choose from a wide array of benefits and exclusive privileges that caters to your specific lifestyle. If you like dining out, or reading a book, RCBC has the card that is perfect for you. From groceries and shopping, to travel and dining, they have your needs covered.

If you need quick cash, Security Bank offers cash advance of up to 50% of your credit limit. You can also enjoy up to 5% rebate on your everyday, essential expenses, while taking advantage of exclusive benefits such as worldwide airport lounge access, ₱10M worth of free travel insurance, and international coverage with non-expiring reward points that can be exchanged for air miles, hotel loyalty points, shoppings GCs and more!

As one of the world’s top multinational banking and financial services provider with outlets in more than 70 countries worldwide, get instant recognition on your commercial transactions whether local or abroad. You can also avail of a multi-purpose cash loan of up to 90% of your credit limit with Smart Cash program plus, you can use your points to redeem air miles, gift certificates, pay off annual fees, or even get cash rebates with their 360° Rewards programme.

UCPB offers 2 credit cards, choose from either Classic or Gold MasterCard. Enjoy an extensive rewards program where you earn 1 point for every ₱30 spent, plus a low monthly interest rate of 3.25%.

With a huge list of cards that offers travel, leisure, shopping, groceries, dining privileges and more, you will never have a problem finding the right one for you. Get free birthday treats, exclusive perks and special discounts that’s perfect for your lifestyle. Aside from the wide variety of cards you can choose from, UnionBank offers a unique feature of getting an unlimited number of supplementary cards whether for your immediate family, relatives, or friends.

Ask Us About Credit Card

Have a question about credit card? Ask us in the comment box below.

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SOURCE: http://www.imoney.ph/credit-card

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