Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Philippines in 2026? We compared 15 credit cards from top banks in Philippines to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Bangko Sentral ng Pilipinas (BSP).
Quick Comparison: All 15 Credit cards in Philippines
Side-by-side comparison of every credit card option in Philippines as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. BDO Mastercard Standard | BDO Unibank | 2.00% per month | Shopping Discounts, Purchase Protection, Chip/Pin, S… | View → |
| 2. BDO Shopmore Mastercard | BDO Unibank | 2.00% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 3. BDO Visa Gold | BDO Unibank | 2.00% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 4. BDO Visa Platinum | BDO Unibank | 2.00% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. BPI Amore Visa | BPI | 2.00% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 6. BPI Blue Mastercard | BPI | 2.00% per month | Shopping Discounts, Purchase Protection, Chip/Pin, S… | View → |
| 7. BPI Visa Gold | BPI | 2.00% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 8. BPI Visa Signature | BPI | 2.00% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 9. Chinabank Cash Rewards Mastercard | Chinabank | 2% per month (24% p.a.) | — | View → |
| 10. Chinabank Freedom Mastercard | Chinabank | 2% per month (24% p.a.) | — | View → |
| 11. Chinabank Platinum Mastercard | Chinabank | 2% per month (24% p.a.) | — | View → |
| 12. Chinabank World Mastercard | Chinabank | 2% per month (24% p.a.) | — | View → |
| 13. EastWest Platinum Mastercard | EastWest Bank | 2% per month (24% p.a.) | — | View → |
| 14. EastWest Priority Visa Infinite | EastWest Bank | 2% per month (24% p.a.) | — | View → |
| 15. EastWest Visa Platinum | EastWest Bank | 2% per month (24% p.a.) | — | View → |
Top 15 Credit Cards in Philippines (2026)
1. BDO Mastercard Standard
Bank: BDO Unibank
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards
Entry-level card with BDO rewards earning and installment payment options at partner merchants.
2. BDO Shopmore Mastercard
Bank: BDO Unibank
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Chip/Pin, Supplementary Cards
Retail-focused card with accelerated rewards on shopping and dining with easy installment options.
3. BDO Visa Gold
Bank: BDO Unibank
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Chip/Pin, Supplementary Cards
Mid-premium card with BDO rewards points, basic travel insurance, and installment conversion on purchases.
4. BDO Visa Platinum
Bank: BDO Unibank
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
BDO premium card with lounge access, comprehensive travel insurance, and exclusive dining and shopping privileges.
5. BPI Amore Visa
Bank: BPI
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Lifestyle Privileges, Chip/Pin, Supplementary Cards
Lifestyle card designed for women offering rewards on beauty, wellness, dining, and shopping.
6. BPI Blue Mastercard
Bank: BPI
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards
Entry-level card with BPI Real Thrills rewards, basic purchase protection, and easy application.
7. BPI Visa Gold
Bank: BPI
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Chip/Pin, Supplementary Cards
Premium card with BPI rewards points, travel insurance, dining discounts, and installment privileges.
8. BPI Visa Signature
Bank: BPI
- Interest Rate: 2.00% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
BPI top-tier card with Priority Pass lounge access, comprehensive travel insurance, and premium concierge.
9. Chinabank Cash Rewards Mastercard
Bank: Chinabank
- Annual Fee: Perpetual fee waiver — free for life
- Interest Rate: 2% per month (24% p.a.)
- Interest Free Days: Up to 21 days
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 Sec
10. Chinabank Freedom Mastercard
Bank: Chinabank
- Annual Fee: Perpetual fee waiver — free for life (principal + supplementary)
- Interest Rate: 2% per month (24% p.a.)
- Rewards: 1 Rewards Point per PHP30 qualified spend
- Interest Free Days: Up to 21 days
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 T
11. Chinabank Platinum Mastercard
Bank: Chinabank
- Annual Fee: PHP3,500/year (free 1st year)
- Interest Rate: 2% per month (24% p.a.)
- Rewards: 1 Rewards Point per PHP30 qualified spend
- Interest Free Days: Up to 21 days
Premium card with 5% rebate at any local gas station plus 1 Rewards Point per PHP30 spend. Includes up to PHP20M comprehensive travel accident and inconvenience insurance when travel tickets are purch
12. Chinabank World Mastercard
Bank: Chinabank
- Annual Fee: PHP6,000/year (waived 1st year; supplementary waived)
- Interest Rate: 2% per month (24% p.a.)
- Rewards: 1 Rewards Point per PHP30 qualified spend
- Interest Free Days: Up to 21 days
Premium World Mastercard with access to 3,800+ luxury hotels, 10,000+ restaurants, and 1,300+ airport lounges via Mastercard Travel Pass. Up to PHP20M travel insurance. Earn 1 Rewards Point per PHP30
13. EastWest Platinum Mastercard
Bank: EastWest Bank
- Annual Fee: Free lifetime membership — no annual fee
- Interest Rate: 2% per month (24% p.a.)
- Interest Free Days: Up to 21 days
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 protect
14. EastWest Priority Visa Infinite
Bank: EastWest Bank
- Annual Fee: Waived for Priority Banking clients
- Interest Rate: 2% per month (24% p.a.)
- Rewards: 1 Infinite Rewards Point per PHP10 spend — convert to airline miles
- Interest Free Days: Up to 21 days
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 anyti
15. EastWest Visa Platinum
Bank: EastWest Bank
- Annual Fee: PHP3,600/year (waived with PHP1.5M annual spend)
- Interest Rate: 2% per month (24% p.a.)
- Interest Free Days: Up to 21 days
Earn up to 3% cash rewards on all purchases with a PHP5,000 welcome bonus. Includes 24/7 Visa concierge services and contactless payment. Annual fee PHP3,600 waived with PHP1.5M accumulated spend. All
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 — all products listed are from banks regulated by Bangko Sentral ng Pilipinas (BSP)
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 all 15 options on this page.
What credit score do I need for a credit card in Philippines?
Most banks in Philippines require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Bangko Sentral ng Pilipinas (BSP). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Philippines?
Fees vary by tier and bank: classic cards typically ₱ 0–1,500/year, gold ₱ 1,500–3,000, platinum ₱ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee 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 (typically ₱ 500–2,000), 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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