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Best Credit Cards of April 2025

Updated: Apr 2, 2025
AP
Written by
Andrew Pagulayan
CEO/CTO
EH
Reviewed by
Excelon Holdings
Financial Analyst
TC
Edited by
Theresa Chu
CFO/Data Analyst
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

The best credit card is one that's best aligned with your specific needs.

RateRocket's credit card experts have reviewed and rated top options for 2025 - from generous rewards and impressive sign-up bonuses to long 0% APR periods and credit-building assistance, so you can find the perfect fit for your financial goals.

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FOUND 106 CARDS MATCHING YOUR CRITERIA

Bank of Commerce Classic Mastercard

★3.8

Bank of Commerce

REWARDSSTARTER
ANNUAL FEE
₱1,500
INCOME REQ.
₱10K monthly
KEY FEATURE
1 point per ₱25 with 5x bonus at select merchants
BEST FOR
First-Timer
PROCESS TIME
7-10 business days
APPLY NOW

Bank of Commerce Gold Mastercard

★4.0

Bank of Commerce

REWARDS
ANNUAL FEE
₱3,000
INCOME REQ.
₱38K monthly
KEY FEATURE
Same rewards rate with higher credit limits
BEST FOR
Mid-Career Professional
PROCESS TIME
7-10 business days
APPLY NOW

Bank of Commerce Platinum Mastercard

★4.3

Bank of Commerce

PREMIUMREWARDSTRAVEL
ANNUAL FEE
₱4,000
INCOME REQ.
₱100K monthly
KEY FEATURE
Travel insurance up to ₱2 million
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

Bank of Commerce World Mastercard

★4.7

Bank of Commerce

PREMIUMTRAVELLUXURY
ANNUAL FEE
₱5,000
INCOME REQ.
₱200K monthly
KEY FEATURE
Luxury travel perks and premium concierge
BEST FOR
Luxury Traveler
PROCESS TIME
5-7 business days
APPLY NOW

Bank of Commerce Cash Installment Card

★3.7

Bank of Commerce

INSTALLMENTCASH LOAN
ANNUAL FEE
₱6,000
INCOME REQ.
₱30K monthly
KEY FEATURE
Fixed installment options for cash loans
BEST FOR
Installment Buyer
PROCESS TIME
7-10 business days
APPLY NOW

AUB Easy Mastercard

★4.0

Asia United Bank

NO ANNUAL FEEREWARDS
ANNUAL FEE
₱0 forever
INCOME REQ.
₱50K monthly
KEY FEATURE
No interest on new purchases with flexible payment
BEST FOR
Budget Planner
PROCESS TIME
7-10 business days
APPLY NOW

AUB Gold Mastercard

★4.2

Asia United Bank

NO ANNUAL FEEREWARDS
ANNUAL FEE
₱0 forever
INCOME REQ.
₱50K monthly
KEY FEATURE
No annual fee with Mabuhay Miles transfer
BEST FOR
Air Miles Collector
PROCESS TIME
7-10 business days
APPLY NOW

AUB Platinum Mastercard

★4.5

Asia United Bank

NO ANNUAL FEEPREMIUMTRAVEL
ANNUAL FEE
₱0 forever
INCOME REQ.
₱100K monthly
KEY FEATURE
No annual fee with airport lounge access
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

HSBC Red Mastercard

★4.3

HSBC

REWARDS
ANNUAL FEE
₱2,500
INCOME REQ.
₱16.6K monthly
KEY FEATURE
4x points on shopping, dining, online and overseas
BEST FOR
Young Professional
PROCESS TIME
14-21 business days
APPLY NOW

HSBC Gold Visa Cash Back

★4.4

HSBC

CASHBACKDINING
ANNUAL FEE
₱2,500
INCOME REQ.
₱16.6K monthly
KEY FEATURE
5% dining cashback with no minimum spend
BEST FOR
Restaurant Regular
PROCESS TIME
14-21 business days
APPLY NOW

HSBC Platinum Visa Rebate

★4.6

HSBC

CASHBACKTRAVELSHOPPING
ANNUAL FEE
₱3,500
INCOME REQ.
₱20K monthly
KEY FEATURE
5% on shopping and travel with no minimum spend
BEST FOR
Frequent Traveler
PROCESS TIME
14-21 business days
APPLY NOW

Security Bank Wave Mastercard

★4.8

Security Bank

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱360K-480K annually
KEY FEATURE
2.5% interest (vs standard 3%)
BEST FOR
First-Timer
PROCESS TIME
10 minutes online application
APPLY NOW

Security Bank Gold Mastercard

★4.2

Security Bank

REWARDS
ANNUAL FEE
₱2,500
INCOME REQ.
₱480K annually
KEY FEATURE
1 reward point for every ₱20 spent
BEST FOR
Young Professional
PROCESS TIME
10 minutes online application
APPLY NOW

Citi Simplicity+

★4.7

Citibank

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱15-20K monthly
KEY FEATURE
No annual/late/overlimit fees
BEST FOR
Budget Optimizer
PROCESS TIME
7 business days
APPLY NOW

HSBC Live+

★4.9

HSBC

CASHBACKREWARDSDINING
ANNUAL FEE
₱5,000
INCOME REQ.
₱16.6K monthly
KEY FEATURE
8% dining, 5% shopping, 2% fast food
BEST FOR
Restaurant Regular
PROCESS TIME
14-21 business days
APPLY NOW

Shell Power Visa

★4.5

Shell

CASHBACKREWARDS
ANNUAL FEE
₱2,800
INCOME REQ.
₱15K monthly
KEY FEATURE
5% Shell rebate + 1% groceries
BEST FOR
Fuel Spender
PROCESS TIME
10-14 business days
APPLY NOW

Security Bank Cashback Platinum Mastercard

★4.7

Security Bank

CASHBACKREWARDS
ANNUAL FEE
₱3,000 (first year waived)
INCOME REQ.
₱700K annually
KEY FEATURE
5% groceries, 4% fuel, 3% bills, 2% dining, 1% shopping
BEST FOR
Daily Essentials
PROCESS TIME
10 minutes online application
APPLY NOW

Security Bank Platinum Mastercard

★4.6

Security Bank

PREMIUMREWARDSTRAVEL
ANNUAL FEE
₱4,000 (first year waived)
INCOME REQ.
₱1M annually
KEY FEATURE
2 rewards points for every ₱20 spent
BEST FOR
Frequent Traveler
PROCESS TIME
10 minutes online application
APPLY NOW

Security Bank World Mastercard

★4.9

Security Bank

PREMIUMTRAVELMILES
ANNUAL FEE
₱5,000 (first year waived)
INCOME REQ.
₱2.7M annually
KEY FEATURE
3 rewards points for every ₱20 spent
BEST FOR
Luxury Traveler
PROCESS TIME
10 minutes online application
APPLY NOW

BPI Amore Platinum

★4.6

BPI

CASHBACKREWARDSDINING
ANNUAL FEE
₱5,000
INCOME REQ.
₱80K monthly
KEY FEATURE
4% restaurants + 1% shopping
BEST FOR
Restaurant Regular
PROCESS TIME
5-7 business days
APPLY NOW

Citi PremierMiles

★4.7

Citibank

TRAVELREWARDSMILES
ANNUAL FEE
₱5,000
INCOME REQ.
₱30K monthly
KEY FEATURE
1 mile/₱30, never expire, 2 lounge passes
BEST FOR
Occasional Flyer
PROCESS TIME
5-7 business days
APPLY NOW

UnionBank Miles+

★4.5

UnionBank

TRAVELREWARDSMILES
ANNUAL FEE
₱5,000
INCOME REQ.
₱30K monthly
KEY FEATURE
1 mile/₱30, DragonPass, 1.7% forex
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

PNB-PAL World Elite

★4.9

PNB

TRAVELPREMIUMAIRLINE
ANNUAL FEE
₱50,000
INCOME REQ.
₱250K monthly
KEY FEATURE
1 mile/₱28, huge bonuses, PAL perks
BEST FOR
PAL Loyalist
PROCESS TIME
3-5 business days
APPLY NOW

SingAir KrisFlyer

★4.8

EastWest

TRAVELPREMIUMAIRLINE
ANNUAL FEE
₱4-5K
INCOME REQ.
₱100K monthly
KEY FEATURE
1 mile/₱12 (travel), best forex rate
BEST FOR
Singapore Airlines Fan
PROCESS TIME
10-15 business days
APPLY NOW

Metrobank Rewards Plus

★4.4

Metrobank

REWARDSSHOPPING
ANNUAL FEE
₱2,500
INCOME REQ.
₱15K monthly
KEY FEATURE
2x points online/tech/dining
BEST FOR
Online Shopper
PROCESS TIME
5-7 business days
APPLY NOW

Metrobank Cashback Card

★4.7

Metrobank

CASHBACKREWARDS
ANNUAL FEE
₱3,500
INCOME REQ.
₱15K monthly
KEY FEATURE
5% rebate on groceries, telecom & bookstores
BEST FOR
Grocery Warrior
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank Toyota Mastercard

★4.3

Metrobank

CO-BRANDEDREWARDSCASHBACK
ANNUAL FEE
₱2,500
INCOME REQ.
₱15K monthly
KEY FEATURE
3% rebate on Toyota services & products
BEST FOR
Toyota Owner
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank World Mastercard

★4.8

Metrobank

PREMIUMTRAVELMILES
ANNUAL FEE
₱6,000
INCOME REQ.
₱125K monthly
KEY FEATURE
1 air mile per ₱17 foreign spend
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank Platinum Mastercard

★4.6

Metrobank

PREMIUMDININGREWARDS
ANNUAL FEE
₱5,000
INCOME REQ.
₱58.3K monthly
KEY FEATURE
Up to 50% off on premium dining deals
BEST FOR
Dining Enthusiast
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank Travel Signature Visa

★4.7

Metrobank

TRAVELMILESPREMIUM
ANNUAL FEE
₱5,500
INCOME REQ.
₱58.3K monthly
KEY FEATURE
1 air mile per ₱30 spend
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank M Free Card

★4.2

Metrobank

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱72.3K monthly
KEY FEATURE
No annual fee for life with essential features
BEST FOR
Fee Avoider
PROCESS TIME
7-10 business days
APPLY NOW

Metrobank Titanium Mastercard

★4.4

Metrobank

REWARDSSHOPPINGDINING
ANNUAL FEE
₱2,500
INCOME REQ.
₱15K monthly
KEY FEATURE
2x reward points on online, shopping & dining
BEST FOR
Everyday Spender
PROCESS TIME
7-10 business days
APPLY NOW

BDO ShopMore

★4.3

BDO

REWARDSSTARTERSHOPPING
ANNUAL FEE
₱1,800
INCOME REQ.
₱15K monthly
KEY FEATURE
Accelerated SM points, 250 welcome
BEST FOR
Department Store Regular
PROCESS TIME
7-10 business days
APPLY NOW

HSBC Premier Mastercard

★4.9

HSBC

PREMIUMREWARDS
ANNUAL FEE
₱0 with Premier status
INCOME REQ.
₱300K monthly or ₱3M total balance
KEY FEATURE
Waived for life with HSBC Premier status
BEST FOR
Premium Aspirant
PROCESS TIME
3-5 business days (expedited)
APPLY NOW

Citi Prestige

★4.8

Citibank

PREMIUMTRAVELMILES
ANNUAL FEE
₱12,000
INCOME REQ.
₱83.3K monthly
KEY FEATURE
Unlimited lounges, 4th hotel night free
BEST FOR
Luxury Lifestyle
PROCESS TIME
3-5 business days
APPLY NOW

Zed Card

★4.2

Digital

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0
INCOME REQ.
Data-driven approval
KEY FEATURE
No interest (pay only what you buy)
BEST FOR
Digital Native
PROCESS TIME
24 hours (all digital)
APPLY NOW

BDO Standard Mastercard

★4.0

BDO

STARTERREWARDS
ANNUAL FEE
₱1,800 (first year free)
INCOME REQ.
₱15K monthly
KEY FEATURE
1 Peso Point for every ₱50 spent
BEST FOR
First-Timer
PROCESS TIME
7-10 business days
APPLY NOW

BDO Bench Mastercard

★3.9

BDO

CO-BRANDEDSHOPPINGLIFESTYLE
ANNUAL FEE
₱2,400
INCOME REQ.
₱15K monthly
KEY FEATURE
Exclusive Bench discounts and sale previews
BEST FOR
Fashion Enthusiast
PROCESS TIME
7-10 business days
APPLY NOW

BDO Installment Card

★3.8

BDO

STARTER
ANNUAL FEE
₱1,000
INCOME REQ.
₱15K monthly
KEY FEATURE
Convert up to 100% of credit limit into cash (3-36 months)
BEST FOR
Installment Buyer
PROCESS TIME
7-10 business days
APPLY NOW

BDO Gold Mastercard

★4.2

BDO

REWARDS
ANNUAL FEE
₱2,400
INCOME REQ.
₱33K monthly
KEY FEATURE
Free purchase protection and travel insurance
BEST FOR
Young Professional
PROCESS TIME
7-10 business days
APPLY NOW

BDO Platinum Mastercard

★4.5

BDO

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱4,500
INCOME REQ.
₱77K monthly
KEY FEATURE
2 Peso Points for every ₱1,000 spent (local) or $20 (international)
BEST FOR
Frequent Jetsetter
PROCESS TIME
7-10 business days
APPLY NOW

BDO Visa Signature

★4.7

BDO

PREMIUMTRAVELCASHBACK
ANNUAL FEE
₱5,500
INCOME REQ.
₱165K monthly
KEY FEATURE
3% rebate on airline and overseas spending
BEST FOR
Global Professional
PROCESS TIME
7-10 business days
APPLY NOW

Blue from American Express

★4.1

BDO

REWARDS
ANNUAL FEE
₱1,800
INCOME REQ.
₱15K monthly
KEY FEATURE
Automatic fee waiver with ₱15,000 monthly spending
BEST FOR
AmEx Aspirant
PROCESS TIME
7-10 business days
APPLY NOW

American Express Cashback

★4.4

BDO

CASHBACKREWARDS
ANNUAL FEE
₱3,000
INCOME REQ.
₱33K monthly
KEY FEATURE
Up to 5% cashback on select categories
BEST FOR
Everyday Spender
PROCESS TIME
7-10 business days
APPLY NOW

American Express Explorer

★4.3

BDO

REWARDSTRAVEL
ANNUAL FEE
₱4,000
INCOME REQ.
₱66K monthly
KEY FEATURE
2 membership points per ₱45 spent
BEST FOR
Mid-Level Professional
PROCESS TIME
7-10 business days
APPLY NOW

American Express Platinum

★4.8

BDO

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱7,500
INCOME REQ.
₱93K monthly
KEY FEATURE
Premium travel & lifestyle benefits
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BDO JCB Lucky Cat

★4.0

BDO

REWARDSTRAVEL
ANNUAL FEE
₱1,500
INCOME REQ.
₱15K monthly
KEY FEATURE
Special perks for shopping & dining in Japan and Asia
BEST FOR
Japan Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BDO JCB Gold

★4.2

BDO

REWARDSTRAVEL
ANNUAL FEE
₱2,500
INCOME REQ.
₱33K monthly
KEY FEATURE
JCB Plaza Lounge access in major Asian cities
BEST FOR
Asia Explorer
PROCESS TIME
7-10 business days
APPLY NOW

BDO JCB Platinum

★4.6

BDO

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱4,500
INCOME REQ.
₱77K monthly
KEY FEATURE
Luxury perks and premium travel assistance
BEST FOR
Luxury Asia Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BDO Gold UnionPay

★4.1

BDO

REWARDSTRAVEL
ANNUAL FEE
₱2,500
INCOME REQ.
₱33K monthly
KEY FEATURE
Best for travelers to China and Asia
BEST FOR
China Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BDO Diamond UnionPay

★4.6

BDO

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱4,500
INCOME REQ.
₱93K monthly
KEY FEATURE
Premium perks for Asia luxury travel
BEST FOR
Luxury China Explorer
PROCESS TIME
7-10 business days
APPLY NOW

BDO Diners Club International

★4.2

BDO

TRAVELDININGREWARDS
ANNUAL FEE
₱2,500
INCOME REQ.
₱33K monthly
KEY FEATURE
Global dining and travel perks
BEST FOR
Global Diner
PROCESS TIME
7-10 business days
APPLY NOW

BDO Diners Club Premiere

★4.5

BDO

PREMIUMTRAVELDINING
ANNUAL FEE
₱4,500
INCOME REQ.
₱77K monthly
KEY FEATURE
Premium dining and travel concierge
BEST FOR
Culinary Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BDO Visa Classic

★4.0

BDO

STARTERREWARDS
ANNUAL FEE
₱1,800 (first year free)
INCOME REQ.
₱15K monthly
KEY FEATURE
Worldwide acceptance with essential features
BEST FOR
First-Timer
PROCESS TIME
7-10 business days
APPLY NOW

BDO Visa Gold

★4.3

BDO

REWARDSTRAVEL
ANNUAL FEE
₱2,400 (first year waived)
INCOME REQ.
₱33K monthly
KEY FEATURE
Travel accident insurance up to ₱5 million
BEST FOR
Young Professional
PROCESS TIME
7-10 business days
APPLY NOW

BPI Rewards Card

★4.0

BPI

REWARDS
ANNUAL FEE
₱1,550
INCOME REQ.
₱15K monthly
KEY FEATURE
1.85% forex rate; free insurance up to ₱2M
BEST FOR
Budget Traveler
PROCESS TIME
7-10 business days
APPLY NOW

BPI Edge Card

★3.9

BPI

STARTERREWARDS
ANNUAL FEE
₱1,320
INCOME REQ.
₱15K monthly
KEY FEATURE
Designed for young professionals with attainable requirements
BEST FOR
Young Professional
PROCESS TIME
7-10 business days
APPLY NOW

Petron-BPI Card

★4.1

BPI

CO-BRANDEDCASHBACK
ANNUAL FEE
₱1,550
INCOME REQ.
₱20K monthly
KEY FEATURE
3% Petron fuel rebates (cap ₱15,000/year)
BEST FOR
Frequent Driver
PROCESS TIME
7-10 business days
APPLY NOW

BPI Gold Rewards Card

★4.2

BPI

REWARDS
ANNUAL FEE
₱2,250
INCOME REQ.
₱40K monthly
KEY FEATURE
1 BPI Point for every ₱35 spent
BEST FOR
Mid-Career Professional
PROCESS TIME
7-10 business days
APPLY NOW

BPI Amore Cashback Card

★4.3

BPI

CASHBACKREWARDS
ANNUAL FEE
₱2,050
INCOME REQ.
₱30K monthly
KEY FEATURE
4% cashback on groceries; 1% on health/personal care
BEST FOR
Family Provider
PROCESS TIME
7-10 business days
APPLY NOW

BPI Signature Card

★4.7

BPI

PREMIUMREWARDS
ANNUAL FEE
₱5,500
INCOME REQ.
₱100K monthly
KEY FEATURE
2 BPI points for every ₱20 spent
BEST FOR
Luxury Lifestyle
PROCESS TIME
7-10 business days
APPLY NOW

BPI Platinum Rewards Card

★4.6

BPI

PREMIUMREWARDS
ANNUAL FEE
₱4,000
INCOME REQ.
₱80K monthly
KEY FEATURE
2 points per ₱30 local spend
BEST FOR
Luxury Aspirant
PROCESS TIME
7-10 business days
APPLY NOW

BPI DOS Card

★4.1

BPI

REWARDSSTARTER
ANNUAL FEE
₱1,200
INCOME REQ.
₱15K monthly
KEY FEATURE
Automatic 2-month 0% installment on purchases
BEST FOR
Budget Planner
PROCESS TIME
7-10 business days
APPLY NOW

BPI Robinsons Cashback Card

★4.2

BPI

CASHBACKCO-BRANDEDSHOPPING
ANNUAL FEE
₱2,500 (waived first year)
INCOME REQ.
₱15K monthly
KEY FEATURE
3% cashback at Robinsons stores
BEST FOR
Robinsons Loyalist
PROCESS TIME
7-10 business days
APPLY NOW

BPI eCredit Card

★4.0

BPI

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱15K monthly
KEY FEATURE
No annual fee with online-focused benefits
BEST FOR
Online Shopper
PROCESS TIME
7-10 business days
APPLY NOW

BPI Family Credit Card

★3.9

BPI

STARTERREWARDS
ANNUAL FEE
₱1,350
INCOME REQ.
₱15K monthly
KEY FEATURE
Free first supplementary card
BEST FOR
Family Provider
PROCESS TIME
7-10 business days
APPLY NOW

RCBC Visa Infinite Card

★4.8

RCBC

PREMIUMREWARDS
ANNUAL FEE
₱6,000
INCOME REQ.
₱300K monthly
KEY FEATURE
3-5x points multipliers on purchases
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days
APPLY NOW

RCBC World Mastercard

★4.7

RCBC

PREMIUMTRAVEL
ANNUAL FEE
₱6,000
INCOME REQ.
₱300K monthly
KEY FEATURE
Unlimited PAGSS Lounge access and Priority Pass membership
BEST FOR
Global Executive
PROCESS TIME
7-10 business days
APPLY NOW

RCBC Black Card Platinum Mastercard

★4.5

RCBC

PREMIUMREWARDS
ANNUAL FEE
₱3,600
INCOME REQ.
₱100K monthly
KEY FEATURE
Up to 5 free supplementary cards
BEST FOR
Family Leader
PROCESS TIME
7-10 business days
APPLY NOW

RCBC Hexagon Priority

★4.8

RCBC

PREMIUMNO ANNUAL FEE
ANNUAL FEE
₱0 with balance
INCOME REQ.
₱1M total relationship
KEY FEATURE
Free for life with ₱1M deposit
BEST FOR
Wealth Builder
PROCESS TIME
7-10 business days
APPLY NOW

RCBC ZALORA Credit Card

★4.3

RCBC

CO-BRANDEDCASHBACKSHOPPING
ANNUAL FEE
₱4,000 (first year waived)
INCOME REQ.
₱25K monthly
KEY FEATURE
6% cashback on ZALORA purchases
BEST FOR
Digital Shopper
PROCESS TIME
7-10 business days
APPLY NOW

RCBC AirAsia Credit Card

★4.2

RCBC

CO-BRANDEDTRAVELAIRLINE
ANNUAL FEE
₱3,600
INCOME REQ.
₱20.8K monthly
KEY FEATURE
AirAsia Platinum status for first year
BEST FOR
Budget Traveler
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Cash Back Card

★4.4

UnionBank

CASHBACK
ANNUAL FEE
₱4,500
INCOME REQ.
₱15-21K monthly
KEY FEATURE
Up to 6% cashback on supermarkets
BEST FOR
Savvy Homemaker
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Miles+ Visa Signature

★4.6

UnionBank

TRAVELMILESPREMIUM
ANNUAL FEE
₱5,000
INCOME REQ.
₱30K monthly
KEY FEATURE
Non-expiring miles with DragonPass access
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Lazada Credit Card

★4.5

UnionBank

CO-BRANDEDSHOPPINGREWARDS
ANNUAL FEE
₱2,500
INCOME REQ.
₱30K monthly
KEY FEATURE
6x Lazada Wallet credits on Lazada purchases
BEST FOR
Online Shopper
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Shell Power Visa Platinum

★4.4

UnionBank

CO-BRANDEDCASHBACKREWARDS
ANNUAL FEE
₱3,000
INCOME REQ.
₱50K monthly
KEY FEATURE
5% rebate on Shell fuel purchases
BEST FOR
Fuel Spender
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank S&R Visa Platinum

★4.3

UnionBank

CO-BRANDEDSHOPPINGCASHBACK
ANNUAL FEE
₱5,000
INCOME REQ.
₱50K monthly
KEY FEATURE
3% rebate on S&R purchases
BEST FOR
Bulk Buyer
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Reserve Visa Infinite

★4.9

UnionBank

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱10,000
INCOME REQ.
₱100K monthly
KEY FEATURE
5x points on dining, shopping & foreign spend
BEST FOR
Luxury Lifestyle
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank Cebu Pacific Card

★4.1

UnionBank

CO-BRANDEDTRAVELAIRLINE
ANNUAL FEE
₱5,000
INCOME REQ.
₱50K monthly
KEY FEATURE
1 point per ₱100 on Cebu Pacific bookings
BEST FOR
Domestic Traveler
PROCESS TIME
7-10 business days
APPLY NOW

UnionBank U Platinum

★4.3

UnionBank

NO ANNUAL FEEREWARDS
ANNUAL FEE
₱0 forever
INCOME REQ.
₱50K monthly
KEY FEATURE
No annual fee for life with premium benefits
BEST FOR
Value Maximizer
PROCESS TIME
7-10 business days
APPLY NOW

PNB Ze-Lo Mastercard

★4.3

PNB

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱120K annually
KEY FEATURE
Zero annual fee, late fees, and overlimit fees
BEST FOR
Credit Builder
PROCESS TIME
7-10 business days
APPLY NOW

PNB-PAL Mabuhay Miles World Mastercard

★4.7

PNB

TRAVELAIRLINEMILES
ANNUAL FEE
₱6,000
INCOME REQ.
₱1.2M annually
KEY FEATURE
1 Mabuhay Mile for every ₱42 spent + PAL perks
BEST FOR
PAL Loyalist
PROCESS TIME
7-10 business days
APPLY NOW

PNB-PAL Mabuhay Miles Platinum Mastercard

★4.5

PNB

TRAVELAIRLINEMILES
ANNUAL FEE
₱3,000
INCOME REQ.
₱600K annually
KEY FEATURE
1 Mabuhay Mile for every ₱50 spent + PAL discounts
BEST FOR
Frequent Flyer
PROCESS TIME
7-10 business days
APPLY NOW

PNB-PAL Mabuhay Miles NOW Mastercard

★4.2

PNB

TRAVELAIRLINESTARTER
ANNUAL FEE
₱1,200 (free for first 3 years)
INCOME REQ.
₱120K annually
KEY FEATURE
1 Mabuhay Mile for every ₱50 spent
BEST FOR
Budget Traveler
PROCESS TIME
7-10 business days
APPLY NOW

PNB Cart Mastercard

★4.2

PNB

NO ANNUAL FEEONLINE SHOPPING
ANNUAL FEE
₱0 forever
INCOME REQ.
₱120K annually
KEY FEATURE
Fast virtual card issuance with free purchase protection
BEST FOR
Online Shopper
PROCESS TIME
Quick virtual card issuance
APPLY NOW

LANDBANK Classic Credit Card

★4.0

LANDBANK

REWARDSSTARTER
ANNUAL FEE
₱1,000
INCOME REQ.
₱150K annually
KEY FEATURE
Government-backed card with low annual fee
BEST FOR
Government Employee
PROCESS TIME
10-15 business days
APPLY NOW

LANDBANK Gold Credit Card

★4.1

LANDBANK

REWARDSPREMIUM
ANNUAL FEE
₱2,500
INCOME REQ.
₱150K annually
KEY FEATURE
Higher credit limit with low interest rate
BEST FOR
Mid-Career Professional
PROCESS TIME
10-15 business days
APPLY NOW

EastWest Platinum Mastercard

★4.7

EastWest Bank

PREMIUMTRAVELNO ANNUAL FEE
ANNUAL FEE
₱0 forever
INCOME REQ.
₱1.8M annually
KEY FEATURE
No annual fee for life with premium benefits
BEST FOR
Luxury Traveler
PROCESS TIME
5-7 business days
APPLY NOW

EastWest JCB Platinum

★4.6

EastWest Bank

TRAVELREWARDSPREMIUM
ANNUAL FEE
₱3,500 (first year free)
INCOME REQ.
₱1M annually
KEY FEATURE
Comprehensive Japan travel benefits
BEST FOR
Japan Traveler
PROCESS TIME
5-7 business days
APPLY NOW

EastWest Singapore Airlines KrisFlyer Platinum

★4.8

EastWest Bank

TRAVELMILESAIRLINE
ANNUAL FEE
₱4,000
INCOME REQ.
₱1.2M annually
KEY FEATURE
1 KrisFlyer Mile per ₱15 on travel spending
BEST FOR
Singapore Airlines Fan
PROCESS TIME
5-7 business days
APPLY NOW

EastWest Singapore Airlines KrisFlyer World

★4.9

EastWest Bank

PREMIUMTRAVELMILES
ANNUAL FEE
₱6,000
INCOME REQ.
₱2.6M annually
KEY FEATURE
1 KrisFlyer Mile per ₱12 on travel spending
BEST FOR
Luxury Traveler
PROCESS TIME
5-7 business days
APPLY NOW

EastWest Visa Platinum

★4.7

EastWest Bank

CASHBACKPREMIUM
ANNUAL FEE
₱3,600 (first year waived)
INCOME REQ.
₱1M annually
KEY FEATURE
Up to 8.88% cash rewards on select categories
BEST FOR
Cash Maximizer
PROCESS TIME
5-7 business days
APPLY NOW

EastWest EveryDay Titanium Mastercard

★4.5

EastWest Bank

CASHBACKREWARDS
ANNUAL FEE
₱2,800
INCOME REQ.
₱480K annually
KEY FEATURE
5% rebate on supermarket, gas, and drugstore purchases
BEST FOR
Grocery Warrior
PROCESS TIME
5-7 business days
APPLY NOW

Maybank Visa Infinite

★4.9

Maybank

PREMIUMTRAVELNO ANNUAL FEE
ANNUAL FEE
₱0 (for qualified Premier clients)
INCOME REQ.
₱165K monthly
KEY FEATURE
Perpetual waived annual fee with premium perks
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days
APPLY NOW

Maybank Visa Platinum

★4.5

Maybank

TRAVELREWARDS
ANNUAL FEE
₱3,500
INCOME REQ.
₱77K monthly
KEY FEATURE
1% cashback on overseas spend with golf privileges
BEST FOR
Frequent Traveler
PROCESS TIME
7-10 business days
APPLY NOW

Maybank Manchester United Card

★4.3

Maybank

CO-BRANDEDREWARDSLIFESTYLE
ANNUAL FEE
₱3,000 (first year free)
INCOME REQ.
₱33K monthly
KEY FEATURE
5x points on Manchester United merchandise
BEST FOR
Sports Enthusiast
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Freedom Mastercard

★4.0

China Bank

NO ANNUAL FEEREWARDS
ANNUAL FEE
₱0 forever
INCOME REQ.
₱250K annually
KEY FEATURE
No annual fee with rewards on everyday spend
BEST FOR
First-Timer
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Prime Mastercard

★3.9

China Bank

REWARDS
ANNUAL FEE
₱1,500
INCOME REQ.
₱250K annually
KEY FEATURE
Entry-level rewards with reasonable annual fee
BEST FOR
Young Professional
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Cash Rewards Mastercard

★4.4

China Bank

CASHBACKREWARDS
ANNUAL FEE
₱3,000
INCOME REQ.
₱500K annually
KEY FEATURE
Earn 6% cash rebate on qualified spending
BEST FOR
Cash Maximizer
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Platinum Mastercard

★4.5

China Bank

REWARDSPREMIUMTRAVEL
ANNUAL FEE
₱3,000
INCOME REQ.
₱600K annually
KEY FEATURE
5% rebate on gas + comprehensive travel insurance
BEST FOR
Road Warrior
PROCESS TIME
7-10 business days
APPLY NOW

AUB Classic Mastercard

★3.9

Asia United Bank

NO ANNUAL FEESTARTER
ANNUAL FEE
₱0 forever
INCOME REQ.
₱50K monthly
KEY FEATURE
All cards have annual fees waived for life
BEST FOR
Fee Avoider
PROCESS TIME
7-10 business days
APPLY NOW

China Bank World Mastercard

★4.7

China Bank

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱5,000
INCOME REQ.
₱1.2M annually
KEY FEATURE
1pt/₱30 + 5% gas rebate + ₱20M insurance
BEST FOR
Road Warrior
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Destinations World Mastercard

★4.8

China Bank

PREMIUMTRAVELREWARDS
ANNUAL FEE
₱5,000
INCOME REQ.
₱1.2M annually
KEY FEATURE
1 point/₱30 + Low 1.7% forex + Accor Plus membership
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Destinations World Dollar Mastercard

★4.8

China Bank

PREMIUMTRAVELUSD BILLING
ANNUAL FEE
US$100
INCOME REQ.
₱1.2M annually
KEY FEATURE
USD billing + 1 point/US$1 + Travel insurance
BEST FOR
Global Traveler
PROCESS TIME
7-10 business days
APPLY NOW

China Bank Velvet Visa Signature

★4.6

China Bank

PREMIUMREWARDSCASHBACK
ANNUAL FEE
₱5,000
INCOME REQ.
₱1.2M annually
KEY FEATURE
₱800 cashback every 8th + 50% off shopping
BEST FOR
Fashion Enthusiast
PROCESS TIME
7-10 business days
APPLY NOW

Citi Cash Back

★4.6

Citibank

CASHBACKREWARDS
ANNUAL FEE
₱3,500 (first year waived)
INCOME REQ.
₱15-21K monthly
KEY FEATURE
6% supermarket + 2% Meralco + unlimited earning
BEST FOR
Grocery Maximizer
PROCESS TIME
7-10 business days
APPLY NOW