Looking for the best Credit Cards in Philippines? We have compared 15 Credit Cards from top banks in Philippines to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
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
How to Choose a 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
- Regulation — all products listed are from banks regulated by BSP
Frequently Asked Questions
What is the best Credit Card in Philippines for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Philippines now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Philippines?
Besides cards, popular payment methods include GCash, Maya.
Compare all Credit Cards in Philippines →
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How We Compare Best Credit Cards in Philippines 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Philippines. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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