What is the best credit card in the Philippines?

On cost, the PNB Ze-Lo Mastercard from PNB: first of 127 cards open to the public on a ₱20,000 balance paid off in 3 months plus a year of fees, at ₱1,008. If you pay in full every month, pick a card with no annual fee whose rewards match your spending (14 cards open to the public have none). If you might carry a balance, pick on the interest rate first: the PNB Ze-Lo Mastercard charges 2.5% a month against 3% on most cards.

Which bank gives a credit card easily in the Philippines?

Going by the income each bank states, the PNB Ze-Lo Mastercard (PNB) asks for the least: ₱120,000 a year. 30 cards open to the public ask for ₱360,000 a year or less. With no income proof, a secured card backed by your own deposit is the usual route: BDO Secured Credit Card, UnionBank Rewards Secured Credit Card. Approval also depends on your documents and credit record.

How do I apply for a credit card in the Philippines?

Pick a card whose income rule you meet, then apply on the bank's website or app, or at a branch, with a government ID and proof of income (payslips or a certificate of employment if employed; an income tax return if self-employed). Each bank page here has that bank's own steps, documents, application status tracker and hotline.

Which credit cards have no annual fee?

14 cards open to the public have no annual fee, with no conditions or only a monthly-use condition. The no annual fee list separates them from cards that charge a membership fee or need a deposit balance.

What is the maximum interest on a credit card in the Philippines?

36% a year, which is 3% a month, under BSP Circular No. 1165, s.2023. Instalment plans are capped at a 1% monthly add-on rate, and a cash advance can carry a processing fee of at most ₱200, with no other fee. 139 of the 141 cards with a published rate charge the full cap.

Which is better, a BDO or a BPI credit card?

BDO offers 22 cards with yearly fees of ₱1,200 to ₱5,500; BPI offers 9 with fees of ₱0 to ₱5,500. On a ₱20,000 balance over 3 months plus a year of fees, the cheapest BDO card is the BDO HOPE Mastercard and the cheapest BPI card is the BPI Edge Card. Pick the bank where you already bank, then the card whose income rule and rewards fit.

What is the difference between a credit card and a debit card?

A debit card spends money already in your bank account. A credit card spends the bank's money up to a limit, which you repay by the due date; whatever you leave unpaid is charged interest of up to 3% a month, and most credit cards carry an annual fee.

How much credit limit will I get on a ₱20,000 salary?

Banks set the limit when they approve you, based on your income and credit record, and none of the banks here prints a limit-by-salary table. What a salary decides up front is which cards you can apply for: ₱20,000 a month is ₱240,000 a year, so look for cards with a stated minimum at or below that.

Where can I find credit card promos?

Promos change every few weeks, so each bank page here links to that bank's own promos page instead of listing them.

Best Credit Cards in the Philippines (2026): Every Card Compared by Cost, Fees and Income

Best credit card by situation

Lowest cost overall; no annual fee, no conditions; first card, lowest income; you might carry a balance: PNB Ze-Lo Mastercard (PNB).
₱1,008 on a ₱20,000 balance paid off in 3 months plus a year of fees; the middle card costs ₱4,212. PNB fee table, June 2026Watch out: Foreign currency purchases cost 2.5% extra.
Cash back on spending: Security Bank Wave Mastercard (Security Bank).
₱1,212 on the same ₱20,000 test, the lowest of the cash back cards. Security Bank fee table, 29 August 2025Watch out: Foreign currency purchases cost 2.5% extra.
Airport lounge access: EastWest Platinum Mastercard (EastWest).
Lowest yearly fee with complimentary lounge access: no annual fee. EastWest card pageWatch out: Needs at least ₱1,800,000 a year in income.
Spending abroad: HSBC Premier Travel Card (HSBC).
Lowest foreign transaction fee: 0.99%. HSBC card pageWatch out: Without the required deposit balance, the fee is ₱12,500 a year.

Picks count only cards anyone can apply for. Fees and rates as printed on each bank's fee table in force: BDO (September 2026), BPI (July 2026), Metrobank (15 June 2026), Security Bank (29 August 2025), UnionBank (July 2025), Maybank (10 February 2023), China Bank (February 2023), Maya (23 June 2026), PNB (June 2026). Set your income and the card type you want below.

Your yearly incomeAny

Card type

Lowest annual fee herePNB Ze-Lo Mastercard, No annual fee20 of 144 cards shown have no annual fee; cards limited to depositors, members or invitees are not ranked

144 cards

No annual fee

China BankMastercard

China Bank Freedom Mastercard

Rewards points

Annual fee₱0

China Bank fee table, February 2023

Interest a month: 3%
Minimum income: ₱250,000 a year
Foreign transactions: 2.5%
Rewards: 1 rewards point for every ₱30 qualified spend

Interest	36% a year
Per month	3%
Instalment add-on	1% a month
Cash advance fee	₱200 max

Bank	Card hotline
BDO	(+632) 8888-0000 or 1-800-10-88880000 all BDO contact numbers
BPI	(+632) 889-10000 or 1-800-188-89-100 all BPI contact numbers
Metrobank	(02) 88-700-700 or 1-800-1888-5775 all Metrobank contact numbers
Security Bank	(02) 8887-9188 or 1-800-1-888-1250 all Security Bank contact numbers
RCBC	(02) 8888-1888 or 1-800-10-888-1888 all RCBC contact numbers
UnionBank	(+632) 8841-8600 or 1-800-1888-2277 all UnionBank contact numbers
EastWest	(632) 8888-1700 or 1-800-1888-8600 all EastWest contact numbers
HSBC	(02) 8858-0000 or (02) 7976-8000 or +1-800-1-888-8555 all HSBC contact numbers
Maybank	(02) 8588-3888 or 1-800-10-588-3888 all Maybank contact numbers
China Bank	+632 888-55-888 or 1-800-1888-5888 all China Bank contact numbers
Maya	+632 8845 7788 or 1-800-1084-57788 all Maya contact numbers
PNB	(+632) 8818 9818 or 1800-10-818-9-818 all PNB contact numbers

Charge	Cap
Interest or finance charge	36% a year (3% a month)
Instalment loans on a card	1% a month, add-on
Cash advance processing fee	₱200 per transaction, no other fee

Bank	Cards	Fee table dated	BSP list
BDO	22	September 2026	Universal and commercial bank, ID 30
BPI	9	July 2026	Universal and commercial bank, ID 29
Metrobank	11	15 June 2026	Universal and commercial bank, ID 33
Security Bank	5	29 August 2025	Universal and commercial bank, ID 2
RCBC	18	No date printed	Universal and commercial bank, ID 1
UnionBank	26	July 2025	Universal and commercial bank, ID 3
EastWest	12	No date printed	Universal and commercial bank, ID 32
HSBC	5	No date printed	Universal and commercial bank, ID 12
Maybank	5	10 February 2023	Universal and commercial bank, ID 19
China Bank	12	February 2023	Universal and commercial bank, ID 31
Maya	3	23 June 2026	Digital bank, ID 462
MariBank	1	No date printed	Digital bank, ID 211
PNB	15	June 2026	Universal and commercial bank, ID 34

Best credit cards in the Philippines

Best credit card by situation

Getting approved: requirements and how to apply