5 Of The Best Credit Cards In The Philippines Today

Best Credit Cards In The Philippines That You Should Get

Having a credit card has a lot of advantages, although there are also some disadvantages of having one, but if you use your credit card properly, you can surely make the best out of your credit card/s.

For those wanting to have their first credit card, you may want to read this before submitting your application:

5 Questions To Ask Yourself Before Getting A Credit Card

Now, back to the topic, these following “best credit cards in the Philippines” are based on my opinion and it’s your own discretion if you’re going to get one or even two of them. I don’t advice people getting more than 2 credit cards because it may not be good to your finances.

List Of The Top 5 Best Credit Cards In The Philippines

      1. BDO Platinum MasterCard or Visa

        Principal Membership Fee: 4,500 pesos per year
        Interest Rate: 2.49% per month
        The largest bank in the country is the first credit card provider in this list of Philippine best credit cards with their BDO Platinum credit card. With BDO, you can choose between BDO Platinum MasterCard or BDO Platinum Visa. The only major difference between them is that with the Visa credit card, your supplementary card holder doesn’t have to pay any annual membership fee for life. BDO Platinum credit cards charges the lowest monthly interest rate for a credit card in the Philippines and BDO is known to offer great rewards to their clients with the help of SM. BDO and SM are both owned by one man, Mr. Henry Sy, so if you enjoy shopping at SM malls then this card gives you the ability to enjoy discounts that are exclusively for BDO credit card holders only.

      2. Metrobank M Free and M Lite

        Principal Membership Fee: FREE / 1,500 pesos per year
        Interest Rate: 2.50 % per month
        Metrobank gives you the option to choose from two of the best credit cards in the Philippines; M Free gets you the benefit of not paying for any annual membership fee for life and M Lite gives you the lowest interest rate in the market today with only 2.49 %. This Metrobank credit cards are best for frugal persons looking for the lowest credit card fees in the Philippines and Metrobank also give out some cool rewards from time to time.

      3. East West Platinum MasterCard

        Principal Membership Fee: FREE
        Interest Rate: 2.75 % per month
        Another Platinum credit card on this list is the East West Platinum MasterCard that also offers free membership fee for the principal card holder for life. This credit card also has only 2.75% monthly interest rate, which is considered one of the lowest interest rate in the Philippines. East West Bank also gives out some of the best rewards with the help of their awesome affiliates.

      4. Citibank Platinum Visa

        Principal Membership Fee: 5,000 pesos
        Interest Rate: 2.75 % per month
        Citibank’s Platinum Visa credit card offers a high credit limit that a card holder may enjoy and match that with a low monthly interest rate and you get one of the best credit cards in the Philippines. Citibank has thousands of affiliated establishments worldwide where you can use your Citibank Platinum Visa credit card and get great freebies and discounts.

      5. HSBC Platinum Visa

        Principal Membership Fee: 5,000 pesos
        Interest Rate: 2.75 % per month
        One of the best credit card provider in the country, HSBC, also has there own version of what Citibank have, called HSBC Platinum Visa with almost the same features. HSBC also gives out great and exciting discounts, privileges and surprises for their card holders in the Philippines with the “Red Hot Deals” promo of theirs.

About the Author

Hello! My name is Mark and I'm the one responsible for this website. I'm just a person with enough knowledge about finance-related stuffs. You can know more about me by liking my Facebook Page, following me on Twitter or by adding me in one of your circles on Google+.


  1. Nice list you put together there Mark! I was planning on during a series of post on the most searched and used credit cards in other countries. I really only knew about 2 of the 5 listed here. Is getting credit cards the same as in the states where they look at your income and credit score?

    • Thanks! Here in the Philippines, some look on both and some don’t, what they really want to know is how much annual income your family is getting and if you can pay your bills in the future. If you’re a person that has a high annual income, your credit card application will surely be approved.

  2. hi! just wanted to ask, since this is my first time to apply for a credit card, what would be the best card that I can easily apply for? Iam currently checking out banks and application forms, annual fees, etc, but I cant seem to get the right card. they all do have the minimum annual gross income, but which card and bank can I easily get since this will only be used for health and house emergencies only. can you help me? which bank and what card is better and easiest to apply for.

    • Hi Lara,

      You could try to get a credit card with the bank which you already have a savings account or any other account. I think that for being a loyal customer, they could help you in getting your first credit card. Though, you could try other banks as well, just make sure that you only apply for a credit card that you can afford and manage properly.

  3. hi!!…it is nice to see this website…i am also one of those seeking for credit card information…i also wanted to apply for it but i don’t even know what credit card that gives best satisfaction to clients…with just a low interest rate but u can possibly enjoy it somewhere else… and i had seen here those answers i am searching for… thanx a lot! 🙂

  4. Can I use Metrobank M Free for Paypal? Or if not..which ones that are for frugal persons..:) Thanks in advance Mark!

  5. May I know if you have a list of top 5 banks who issue credit cards in the Philippines this 2013? Thank you very much

  6. hello there, am planning to apply for a new card since i have one, i want mastercard so i can use it in paypal from metrobank, but am looking for a card with a little amount of maintaining balance, do u have any suggestions for what card is good for me?

    • Eastwest bank has a debit card that only needs a maintaining balance of a hundred peso. Though, it’s a Visa debit card, you can still use it on Paypal. BDO also has one, their’s a MasterCard.

  7. i don’t totally agree on your list..but as you have mentioned this is based on your opinion. I think BDO and BPI are the best CC provider in the phil. low interest rates and alot of payment facilities.

    HSBC and Citbank?!hmmm…lots of perks, gives high credit limits and they increase it every six months but be carefull not to overspend 🙂

    -Metrobank and Eastwest?! not really since they don’t have a lot of payment facilities. Less perks!

  8. anonymous777 says:

    hi. i would like to ask from y’all. i wanna have a CC. but i really dont know what’s a CC for. what i know , is that if i want to purchase something i would not pay it through cash but using a card with 0% installment for 6months or 12, 0r 24.. like what my auntie does.. any suggestions? 🙂 id appreciate if you email me.

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