The Best Credit Cards In The Philippines

Get a Fantastic Credit Card Deal Today With Cash Back, Discounts and Free Insurance Just Some of The Perks!

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Leading banks in the Philippines now provide incentive programmes to entice new credit card customers. The concept is straightforward: For every Peso spent on your credit card, the bank credits your account with points. As long as your debts are paid on time. On the best credit cards these points may be redeemed for a number of items, including gas, plane tickets, and in-store discounts.

Specific banks provide attractive sign-up bonuses when you initially get a credit card, as well as cash back programmes that allow you to save a few percent on certain purchases on an ongoing basis. If you are getting frequent money back perks on purchases you would normally buy anyway, then you are beating inflation in most cases.

Carrying a large wad of cash about is not recommended, since bulging wallets might attract the wrong sort of attention. Having a credit card that fits in your pocket and does not take up valuable wallet space is a simple method to pay for transactions, particularly large denomination purchases. Take a look at these fantastic Credit Card options available in the Philippines today.

Citi Cash Back Card is Ideal for Saving Money on Everyday Transactions.

The Citi Cash Back Card offers up to 6% cash back on grocery purchases and 0.25% cash back on all other transactions. Additionally, the Citi PayLite feature enables you to break down large purchases into smaller instalments and pick from a variety of payback options. Citi Speed Cash may also come in helpful if you’re in a rush for cash.

  • Discounts of up to 6% in supermarkets
  • Up to 2% discount on Meralco bills
  • All purchases are eligible for a 0.20 percent refund.
  • P5,000 SM Gift Certificate
  • Utilize Citi PayLite’s payment programmes.
  • Annual savings of up to P15,000 on purchases

The Security Bank's Next Mastercard -The Ideal Credit Card for Those That Like To Shop!

Now that an increasing number of Filipinos have become used to buying and transacting online, this credit card’s features really shine and provide users with so much ease when making purchases or recurring payments. With no annual fee, ever! In addition to the many benefits listed below like the low 2% interest rate, this is a Credit Card you must have in your wallet.

  • No yearly fee in perpetuity (for both primary and supplementary cards)

  • Convert large purchases automatically into 12-month instalment plans

  • SimplyPay — a function that enables customers to pay for costs that need bank deposit payments using their credit card like rent, business suppliers, tuition fees, professional services.

  • Online Purchase Protect Insurance

  • Receive unique Mastercard promotions, such as store and restaurant savings.

  • Balance Transfer – You may transfer funds from other credit cards

  • Using Mastercard Bills Assist – aggregate all of your monthly utility bills such as water, electricity, cable or mobile phone line.

  • Modest monthly interest rates of 2% and a low late payment cost of 6% of the minimum amount due, or P600 whichever is lower.

Get an EastWest Platinum Card and Travel in Style to Hundreds of Destinations!

EastWest Platinum Cards are meant to be as convenient as possible for the Filipino jet-setter. Its terms position it as the ideal card to carry while going overseas. With access to hundreds of airport lounges you can travel in style to your destination with the peace of mind that you and your trip are fully insured.

Available across Metro Manila, including branches in Quezon City, Mandaluyong, Makati, Pasay, and Paranaque. East West Bank offers a large number of branches where you may apply.

  • Membership is free for life, and there are no yearly costs associated with possessing the card.
  • Travel insurance for up to P20 million is included when airline tickets are purchased with the card, as is access to 950 VIP lounges at airports worldwide.
  • Discounts at many resorts and restaurants around the nation
  • Each P40 paid entitles you to one platinum reward point.

On a Low Income and Want a No Frills Credit Card to Carry Out Daily Purchases?

The HSBC Red Mastercard is the no frills Credit Card, ideal for the person that needs to fulfil the minimum monthly income requirement. This card is perfect for locals and transactions made locally. One thing to keep in mind is that HSBC charges a hefty PhP700 late payment penalty, so make sure to keep up with your payments on this card. At a time when Gas is on the increase the 3% discount is very appealing. Branches are easily accessible in Quezon City, Pasig, Makati, and Mandaluyong.

  • To qualify for the card, a monthly salary of P13,500 is required.
  • 4X bonus points on up to P40,000 in monthly transactions
  • 3% discount on Caltex gasoline purchases

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