Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Philippines in 2026? We hold verified data on 36 credit cards in Philippines and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Philippines. It is the set Buzdy has verified data for, from 10 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Philippines
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Chinabank Cash Rewards Mastercard | Chinabank | No annual fee | 24% per month | Cashback, Dining offers, Shopping offers, Supplementary cards | View → |
| 2. EastWest Platinum Mastercard | EastWest Bank | No annual fee | 24% per month | Airport lounge, Travel benefits, Digital wallet, Supplementary cards | View → |
| 3. PNB Diamond UnionPay | PNB | No annual fee | 24% per month | Shopping offers, Supplementary cards | View → |
| 4. Landbank Easy Pay Installment | Landbank | No annual fee | 18% per month | Shopping offers | View → |
| 5. BDO Visa Platinum | BDO Unibank | Not published | 24% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 6. BPI Visa Signature | BPI | Not published | 24% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 7. Metrobank Visa Platinum | Metrobank | Not published | 24% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 8. Security Bank Platinum | Security Bank | Not published | 24% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 9. UnionBank Visa Platinum | UnionBank | Not published | 24% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 10. RCBC Flex Gold Visa | RCBC | PHP 3,000 | 24% per month | Rewards points, Shopping offers, Supplementary cards | View → |
| 11. Chinabank Freedom Mastercard | Chinabank | No annual fee | 24% per month | Rewards points, Supplementary cards | View → |
| 12. EastWest Priority Visa Infinite | EastWest Bank | Not published | 24% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 13. PNB Ze-Lo Mastercard | PNB | No annual fee | 22.56% per month | Supplementary cards | View → |
| 14. Landbank Classic Mastercard | Landbank | PHP 1,000 | 24% per month | Rewards points, Supplementary cards | View → |
| 15. BDO Shopmore Mastercard | BDO Unibank | Not published | 24% per month | Cashback, Dining offers, Shopping offers, Supplementary cards | View → |
The 15 Credit Cards in Detail
1. Chinabank Cash Rewards Mastercard
Bank: Chinabank
- Annual fee: No annual fee
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Shopping offers, Supplementary cards
Cashback-focused card earning automatic cash rewards on everyday purchases. Perpetual annual fee waiver with no spending conditions for principal and supplementary cards. EMV chip security with 3D Secure OTP online protection and contactless payments.
2. EastWest Platinum Mastercard
Bank: EastWest Bank
- Annual fee: No annual fee
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Digital wallet, Supplementary cards
Free lifetime membership Platinum card with exclusive airport lounge access and up to PHP20M travel insurance. Includes free virtual card for secure online shopping, EMV chip and 3D Secure OTP protection. No annual fees ever for principal holder.
3. PNB Diamond UnionPay
Bank: PNB
- Annual fee: No annual fee
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Shopping offers, Supplementary cards
Free annual fee for life UnionPay card ideal for shopping in China and Asia-Pacific merchants. No spending requirements to maintain zero fee status. Wide acceptance at UnionPay merchants across Asia with EMV chip security and competitive exchange rates.
4. Landbank Easy Pay Installment
Bank: Landbank
- Annual fee: No annual fee
- Interest rate: 18% per month
- Minimum income: Not published
- Verified benefits: Shopping offers
Landbank credit card Easy Pay Program lets you convert single or accumulated transactions into affordable monthly installments at competitive interest rates. Available for both Gold and Classic Mastercard holders with flexible tenure options.
5. BDO Visa Platinum
Bank: BDO Unibank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
BDO premium card with lounge access, comprehensive travel insurance, and exclusive dining and shopping privileges.
6. BPI Visa Signature
Bank: BPI
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
BPI top-tier card with Priority Pass lounge access, comprehensive travel insurance, and premium concierge.
7. Metrobank Visa Platinum
Bank: Metrobank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with lounge access, comprehensive travel insurance, and exclusive dining and lifestyle privileges.
8. Security Bank Platinum
Bank: Security Bank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Premium card with lounge access, travel insurance, accelerated rewards, and lifestyle offers.
9. UnionBank Visa Platinum
Bank: UnionBank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Premium card with lounge access, travel insurance, rewards, and UnionBank digital banking advantages.
10. RCBC Flex Gold Visa
Bank: RCBC
- Annual fee: PHP 3,000 (PHP3,000/year (free 1st year with NAFFL promo))
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Shopping offers, Supplementary cards
Flexible rewards card with 2X points in your chosen preferred category from grocery, gas, travel, department store or household appliances. Redeem rewards for shopping vouchers, cash rebates or charitable donations. Annual fee PHP3,000.
11. Chinabank Freedom Mastercard
Bank: Chinabank
- Annual fee: No annual fee
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Supplementary cards
Perpetual annual fee waiver for principal and supplementary cards with no spending conditions. Earn 1 Rewards Point per PHP30 qualified spend. Includes 0% Merchant Installment, Balance Transfer, and Transaction Conversion. EMV chip and 3D Secure OTP.
12. EastWest Priority Visa Infinite
Bank: EastWest Bank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits
Ultra-premium Visa Infinite card earning 1 Infinite Rewards Point per PHP10 qualified spend. Convert points to Asia Miles, KrisFlyer Miles and Mabuhay Miles. Up to 8.88% cash reward on purchases anytime, anywhere. Priority Banking exclusive benefits.
13. PNB Ze-Lo Mastercard
Bank: PNB
- Annual fee: No annual fee
- Interest rate: 22.56% per month
- Minimum income: Not published
- Verified benefits: Supplementary cards
Zero annual fee for life card with low finance charges at 1.88% per month. No spending requirements needed to maintain fee-free status. Supplementary cards also free for life. Ideal budget-friendly option for cost-conscious Filipino cardholders.
14. Landbank Classic Mastercard
Bank: Landbank
- Annual fee: PHP 1,000 (PHP1,000/year principal; PHP250/year supplementary)
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Rewards points, Supplementary cards
Accessible entry-level government-bank credit card with PHP1,000 annual fee and 1 reward point per PHP50 spend. EMV chip technology and 3D Secure OTP for safe online purchases. Cash advance up to 30% of credit limit at Mastercard ATMs worldwide.
15. BDO Shopmore Mastercard
Bank: BDO Unibank
- Annual fee: Not published
- Interest rate: 24% per month
- Minimum income: Not published
- Verified benefits: Cashback, Dining offers, Shopping offers, Supplementary cards
Retail-focused card with accelerated rewards on shopping and dining with easy installment options.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Philippines
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Bangko Sentral ng Pilipinas (BSP) public register before you apply
Frequently Asked Questions: Credit cards in Philippines
What is the best credit card in Philippines for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Philippines?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Philippines?
Yes, most major banks in Philippines now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Philippines is supervised by Bangko Sentral ng Pilipinas (BSP). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in Philippines charge?
Of the 36 credit cards Buzdy lists for Philippines, 11 publish an annual fee amount, from PHP 1,000 to PHP 6,000 with a median of PHP 3,000. 6 are published as free and 19 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a credit card if I am self-employed in Philippines?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Philippines
- All banks in Philippines
- Bank branches across Philippines
- Credit Cards In Philippines 2026
- Personal Loans In Philippines 2026
- Savings Accounts In Philippines 2026
- Philippines EMI calculator
- Philippines savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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