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Best Savings Accounts of April 2025

Updated: Updated: Apr 2, 2025

AP
Written by
Andrew Pagulayan
CEO/CTO
EH
Reviewed by
Excelon Holdings
Financial Analyst
TC
Edited by
Theresa Chu
Financial Analyst
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PERSONALIZE YOUR RESULTS

All Profiles
Frequent Traveler
Budget Traveler
Luxury Traveler
Grocery Warrior
Restaurant Regular
Everyday Spender
First-Timer
Credit Builder
Young Professional
VERY CONSERVATIVE
CONSERVATIVE
BALANCED
AGGRESSIVE
VERY AGGRESSIVE

TOP RECOMMENDATION

★0.0

ANNUAL FEE
INCOME REQ.
KEY FEATURE
BEST FOR
PROCESS TIME
7-10 business days
FOUND 13 CARDS MATCHING YOUR CRITERIA

Platinum Mastercard

★4.8

Security Bank

CashbackPremium
ANNUAL FEE
PHP 4,000
INCOME REQ.
PHP 1,000,000
KEY FEATURE
Up to 5% cashback on dining, travel, and gas purchases
BEST FOR
Frequent Traveler
PROCESS TIME
7-14 business days

Amore Visa

★4.2

BPI

ShoppingRewards
ANNUAL FEE
PHP 2,050
INCOME REQ.
PHP 300,000
KEY FEATURE
10x points at Ayala Malls, 3x on dining and gas
BEST FOR
Grocery Warrior
PROCESS TIME
5-7 business days

Platinum Visa

★4.7

HSBC

PremiumTravel
ANNUAL FEE
PHP 5,000
INCOME REQ.
PHP 1,200,000
KEY FEATURE
Complimentary airport lounge access and travel insurance
BEST FOR
Luxury Traveler
PROCESS TIME
7-10 business days

Rewards Card

★4.5

Citibank

RewardsLifestyle
ANNUAL FEE
PHP 2,500
INCOME REQ.
PHP 250,000
KEY FEATURE
3x points on dining, groceries, and entertainment
BEST FOR
Restaurant Regular
PROCESS TIME
5-10 business days

Visa Gold

★4.1

BDO

RewardsShopping
ANNUAL FEE
PHP 3,000
INCOME REQ.
PHP 480,000
KEY FEATURE
0.30% rebate on all retail purchases and installment transactions
BEST FOR
Everyday Spender
PROCESS TIME
7-14 business days

Femme Visa

★4.0

Metrobank

LifestyleRewards
ANNUAL FEE
PHP 2,000
INCOME REQ.
PHP 360,000
KEY FEATURE
10x rewards points on fashion, beauty, dining transactions
BEST FOR
Young Professional
PROCESS TIME
7-10 business days

Flex Visa

★3.9

RCBC

CashbackBudget
ANNUAL FEE
PHP 1,500
INCOME REQ.
PHP 240,000
KEY FEATURE
Earn 1 point for every PHP 36 spend, with flexible rewards redemption
BEST FOR
First-Timer
PROCESS TIME
7-10 business days

GetGo Cebu Pacific

★4.3

UnionBank

TravelAirline
ANNUAL FEE
PHP 3,000
INCOME REQ.
PHP 600,000
KEY FEATURE
Earn GetGo points for Cebu Pacific flights
BEST FOR
Budget Traveler
PROCESS TIME
7-10 business days

Dolce Vita Cashback

★4.2

EastWest

CashbackShopping
ANNUAL FEE
PHP 3,000
INCOME REQ.
PHP 250,000
KEY FEATURE
5% cashback on fashion, dining, and beauty
BEST FOR
Young Professional
PROCESS TIME
7-14 business days

Complete Cashback

★4.6

Security Bank

CashbackEssentials
ANNUAL FEE
PHP 2,500
INCOME REQ.
PHP 360,000
KEY FEATURE
5% cashback on groceries, up to 4% on utilities, gas and dining
BEST FOR
Grocery Warrior
PROCESS TIME
7-10 business days

Simplicity+

★4.4

Citibank

No Annual FeeBalance Transfer
ANNUAL FEE
PHP 0
INCOME REQ.
PHP 240,000
KEY FEATURE
No annual fees, late payment fees, or overlimit fees
BEST FOR
Credit Builder
PROCESS TIME
5-10 business days

Zelo Mastercard

★3.8

PNB

RewardsEntry-Level
ANNUAL FEE
PHP 1,000
INCOME REQ.
PHP 180,000
KEY FEATURE
2x rewards points on dining, department stores, and supermarkets
BEST FOR
First-Timer
PROCESS TIME
10-15 business days

Zed Card

★4.0

Digital

DigitalNo Annual Fee
ANNUAL FEE
PHP 0
INCOME REQ.
PHP 180,000
KEY FEATURE
Digital-only card with instant approval and cash tracking
BEST FOR
Young Professional
PROCESS TIME
1-3 business days