You can’t deny that owning a credit card means enjoying a convenient life. Short on cash this pay cut-off? You can still buy your groceries and other essentials with your credit card. Meanwhile, buying big-ticket items, such as the latest gadgets, is not impossible anymore, especially if your card has a 0% installment plan with flexible terms. However, what stops people from getting credit cards is the approval process. Generally, banks and credit card companies process applications for a month, or even longer. Waiting can be frustrating, especially if you need the card ASAP. Is there a fast-approval credit card in the Philippines? Yes, of course! Leading banks offer credit cards without a lot of requirements and a stringent application process. Here are some of the easiest credit cards to get approved for in the Philippines. Check out some of the credit cards with the easiest approval in the Philippines: UnionBank Rewards Credit Card Metrobank Titanium Mastercard® HSBC Red Mastercard Security Bank Gold Mastercard BPI Rewards Card PNB Ze-Lo Mastercard Read on for more details and credit card options. ✅ Monthly income requirement: ₱15,000 ✅Annual fee:₱2,500 ✅Interest rate: 3% 📝 UnionBank Rewards Credit Card application requirements: To secure a UnionBank Rewards Credit Card, you generally just need to fill out the application form and submit a valid ID and proof of income. The minimum income requirement isn't too bad, either! Once approved, you can use the card to earn 1 non-expiring rewards point for every ₱30 spend and triple the points when you shop and dine here and abroad. You can then use the points to redeem free merch, cash credits, points transfers, and more. Eligible card: Any UnionBank credit card Promo period: Until March 31, 2024 Get a pair of Apple AirPods 2 worth ₱8,490, a JBL Tune 720BT worth ₱4,699, or a Giftaway eGift worth ₱4,000! Just apply for any UnionBank credit card via Moneymax,get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date. This Moneymax UnionBank welcome gift promo runs until March 31, 2024 only. Per DTI Fair Trade Permit No. FTEB-187582 Series of 2024. Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi. ✅ Monthly income requirement: ₱15,000 ✅Annual fee:₱2,500 ✅Interest rate: 3% 📝 Metrobank Titanium Mastercard® application requirements: The Metrobank Titanium Mastercard®has a pretty straightforward list of requirements—no need to collate multiple documents. Plus, with a low minimum income requirement, it's easy to qualify for this card. Bonus: If you want to avoid annual fees for life, apply for this card until February 29, 2024 and meet an annual spend of ₱180,000. Note that you have to have an existing card with other banks, though. Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard® Promo period: Until March 15, 2024 How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website. Choose from a ₱2,500 eGift voucher via Giftaway, a Xiaomi Redmi Soundbar worth ₱2,499, or JBL Wave Beam True Wireless Earbuds worth ₱3,799 as your free special gift. This Moneymax Metrobank eGift/Xiaomi/JBL promo runs until March 15, 2024 only. So hurry and apply now! Per DTI Fair Trade Permit No. FTEB-184526 Series of 2024. Terms and conditions apply. Note: Applicant must be an existing credit cardholder in good standing for at least nine months. ✅ Monthly income requirement: ₱16,666 ✅Annual fee:₱2,500 (waived for the first year for new HSBC credit cardholders) ✅Interest rate: 3% 📝 HSBC Red Mastercard application requirements: The HSBC Red Mastercard is one of the credit cards with the easiest approval in the Philippines. Despite an active credit card requirement, HSBC credit cards have a low income requirement, making them suitable for millennials and young entrepreneurs. The number of documents needed is also easy to comply with. If you get approved, you can get 4x rewards points on shopping, dining, online, and overseas spend and earn a 3% rebate when you fuel up at Caltex. Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate Promo period: Until March 31, 2024 Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from free Giftaway credits worth ₱2,500, a Xiaomi Photo Printer worth ₱3,399, and a JBL Tune 520 BT worth ₱3,349. This Moneymax HSBC Giftaway/Xiaomi/JBL promo runs until March 31, 2024 only. So hurry and apply now! Per DTI Fair Trade Permit No. FTEB-186974 Series of 2024. Terms and conditions apply. ✅ Monthly income requirement: ₱30,000 ✅Annual fee:₱2,500 (waived for the first year) ✅Interest rate: 3% 📝 Security Bank Gold Mastercard application requirements: While it has a relatively higher minimum income requirement than most cards on this list, the Security Bank Gold Mastercard still has a short list of application requirements. Plus, you can get your annual fee waived for the first year. Use this card to earn 1 point for every ₱20 spend and redeem exclusive rewards from the bank's catalog. Eligible cards: Select Security Bank credit cards Promo period: Until March 31, 2024 Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher; Sony WH-CH520 wireless headphones worth ₱3,299; or a JBL Horizon 2 Bluetooth Clock Radio Speaker worth ₱5,354. This Moneymax Security Bank Giftaway/Sony/JBL credit card promo runs until March 31, 2024 only. Apply now! Per DTI Fair Trade Permit No. FTEB-186695 Series of 2024. Terms and conditions apply. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱1,550 ✅Interest rate: 3% 📝 BPI Rewards Card application requirements: With its low annual income requirement, the BPI Rewards Card is the perfect choice for first-timers. Plus, its annual fee of ₱1,550 is one of the lowest in the Philippines. Make spending more manageable with this card's flexible installment plans of up to 36 months. Plus, you earn 1 BPI point, which you can use to redeem exclusive deals, for every ₱35 spend. Lastly, use this card to take advantage of a variety of year-round perks and discounts. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱1,550 ✅Interest rate: 3% 📝 Petron BPI Card application requirements: The Petron BPI Card shares the BPI Rewards Card's annual income and application requirements, making it one of the easiest credit cards to get in the Philippines. However, the Petron BPI credit card is the obvious choice if you're frequently on the road. Get a ₱200 fuel voucher when you sign up for this card, earn a 3% rebate when you gas up at participating Petron stations, and enjoy other car-related perks. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱2,050 ✅Interest rate: 3% 📝 BPI Amore Cashback Card application requirements: While it has a low income requirement, this card comes with plenty of perks! Enjoy exclusive privileges at any Ayala Mall nationwide with this card. You can also earn 4% cashback on your grocery shopping and 1% cashback on medicines and utility bills. Shopping abroad? Like other BPI credit cards, the BPI Amore Cashback Card offers one of the lowest forex conversion rates at 1.85%. Lastly, you can convert your credit limit to cash and pay in installments for up to 36 months. Or avail of cash advance and withdraw up to 30% of your available credit limit. ✅Monthly income requirement:₱15,000 ✅Monthly fee: ₱110 (free for the first year) ✅Interest rate: 3% 📝 BPI Edge Card application requirements: Among BPI’s regular credit cards, the easiest to apply and get approved for is the Edge Card because of its income requirement and low annual fees. Also, you just need to submit any valid ID and proof of income to BPI. A slew of perks come with this credit card, too. Earn 1 BPI point with every ₱50 spend, then use your points to redeem rewards and freebies. Enjoy more exclusive deals and discounts with this card. ✅ Monthly income requirement: ₱10,000 ✅ Annual fee: No annual fees for life ✅ Interest rate: 2.5% 📝 PNB Ze-Lo Mastercard application requirements: With the PNB Ze-Lo Mastercard, the monthly income requirement is not that high, and the documents that you need to submit are easy to collate. It also has one of the lowest interest rates, which makes it an ideal credit card for everyday and recurring expenses, such as groceries. But what makes it more attractive is that it doesn’t have annual fees, overlimit fees, and late payment fees. In case you frequently travel abroad, you'll be glad to know this card is globally accepted. Get a cash advance that’s worth up to 30% of your credit limit. With the card’s Transaction Conversion feature, you can convert your straight payments into low-interest installments. And if you shop with the bank’s partner merchants, you can avail of the Zero % Affordable Payment Plan, which allows you to enjoy a 0% installment plan with terms of up to 24 months. ✅ Monthly income requirement: ₱10,000 ✅ Annual fee: ₱300 (waived for the first year) ✅ Interest rate: 3% 📝 PNB Visa Classic application requirements: With a monthly income requirement of at least ₱10,000, this PNB credit card is one of the easiest credit cards to get in the Philippines. The PNB Visa Classic is affordable because of its low annual fee, which is even waived for the first year. ✅Monthly income requirement:₱10,000 ✅Annual fee: ₱1,200 ✅Interest rate: 3% 📝 PNB Essentials Mastercard application requirements: Like the other PNB credit cards on this list, this card has a low annual fee and annual income requirement. Plus, with PNB Essentials Mastercard's Card Protect Feature, you can enjoy contactless payments and secure transactions. It offers free purchase protection insurance, free travel insurance, and fraud transaction insurance. This credit card also comes in handy if you love traveling. Enjoy global acceptance in-store and online, pay in Philippine pesos for transactions in other countries, and use rewards points to redeem Mabuhay Miles or Cash Credits. ✅ Monthly income requirement: ₱21,000 ✅ Annual fee: Noannual fee for life ✅ Interest rate: 3% 📝 AUB Easy Mastercard application requirements: As its name suggests, the AUB Easy Mastercard doesn’t have complicated requirements and winding application procedures. The bank claims that it’s the only credit card that gives users the freedom to choose when and how much they want to pay―once a month, twice a month, or even weekly. You can also choose your due date. Moreover, you’ll be given the flexibility to choose a fixed amount based on your frequency of credit card payments. One of its most appealing benefits is that the annual membership fee is waived for life. Plus, you get to enjoy 0% interest on new purchases with the card. So if you're looking for the easiest credit card to get in the Philippines, consider this one. ✅ Monthly income requirement: ₱21,000 ✅ Annual fee: No annual fee for life ✅ Interest rate: 3% 📝 AUB Classic Mastercard application requirements: AUB’s budget-tier credit cards generally don’t have complicated requirements. The AUB Easy Mastercard is one good example, but if you’re looking for an upgrade with the same easy and hassle-free application process, the AUB Classic Mastercard is worth considering. It's also flexible when it comes to payments. You can choose when and how much you want to pay depending on your budget. This means that you can pay your dues on your payday. But what makes the Classic Mastercard a notch higher than the Easy Mastercard is that it allows you to enroll as many supplementary cards without needing to pay annual fees for life! Sounds promising, right? ✅Monthly income requirement:₱100,000 ✅Annual fee: No annual fee for life ✅Interest rate: 3% 📝 AUB Platinum Mastercard application requirements: While it has the highest income requirement on this list, this card has a fuss-free list of requirements applicants can easily comply with. You can also enjoy a waived annual membership fee for life. It'sperfect for frequent shoppers and fliers—you get no interest on new purchases, the option to transfer your rewards points to Mabuhay Miles Frequent Flyer Program, and complimentary airport lounge access when you travel. As a bonus, you can also enroll as many supplementary cards as you want. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱1,500 ✅Interest rate: 3% 📝 RCBC Classic Mastercard application requirements: You can't go wrong with classics, as proven by the RCBC Classic Mastercard. Thanks to a low income requirement and a straightforward list of documentary requirements, it's one of the easiest credit cards to get approved for in the Philippines. For as low as ₱36 per spend, you can earn points, which you can then exchange for air miles, rebates, vouchers, and other exciting perks. You even get access to a free budget monitoring tool so you can keep your spending in check. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱1,500 ✅Interest rate: 3% 📝 RCBC Flex Visa application requirements: The RCBC Flex Visa has the same requirements as the Classic Mastercard, but it offers a little more flexibility when it comes to rewards. Earn 2x rewards points on two of your preferred categories, which you can change every billing cycle. Redeem shopping vouchers or cash rebates using your points. Frequent traveler? With this card, you get free travel insurance (Travel Plus Lite), purchase protection, and access to the Marhaba/Skyview Airport Lounge. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱960 ✅Interest rate: 3% 📝 RCBC Landmark Anson's Mastercard application requirements: The RCBC Landmark Anson's Mastercard has a low income requirement, a beginner-friendly annual fee, and a list of requirements that doesn't look too intimidating. Once you get approved, you can enjoy a 5% rebate at Landmark and Anson’s every Monday to Friday. You can get also 1 rewards point for every ₱50 spend at the said stores. Accumulate your points to exchange them for exclusive gift certificates or cash credit! ✅Monthly income requirement:₱15,000 ✅Annual fee: No annual fee for life ✅Interest rate: 3% 📝 Metrobank M Free Mastercard® application requirements: Want the convenience of a credit card without the annual fees? The Metrobank M Free Mastercard® is perfect for first-time cardholders who love shopping. Enjoy no annual fees for life, 0% interest installment plans, and other value-added perks. You can also get discounts, free gifts, and great deals with your Metrobank credit card at M Here partner establishments. It's also a contactless-enabled credit card, so you can enjoy secure and faster paperless payments anywhere with a simple tap on any contactless-enabled card terminals. ✅Monthly income requirement:₱20,833 ✅Annual fee: ₱1,500 (free for the first year) ✅Interest rate: 3% 📝 China Bank Prime Mastercard application requirements: While the China Bank Prime Mastercard does require an existing credit card, the other requirements are easy to procure. Plus, the minimum income requirement isn't too bad. With this everyday credit card, you earn 1 rewards point for every ₱25 qualified spend (every ₱200 for service merchants). It's also perfect if you prefer shopping online, as it comes with a virtual companion card. Lastly, you get to enjoy more shopping perks with a complimentary China Bank-SMAC membership. ✅Monthly income requirement:₱15,000 ✅Annual fee: ₱2,500 ✅Interest rate: 3.88% 📝 Robinsons Cashback application requirements: The list of application requirements for the Robinsons Cashback card is pretty standard. Plus, it has a low minimum income requirement. Frequently shop for groceries and other essentials at Robinsons malls? Get bigger savings with this card. Earn up to 3% rebate at Robinsons stores and up to 1% rebate at other shops. Plus, enjoy discounts and promos on select Robinsons Retail brands. ✅Monthly income requirement:None ✅Annual fee:₱2,000 to ₱4,000 (depending on the Security Bank credit card you qualify for; free for the first year) ✅Interest rate: 3% 📝Security Bank Fast Track application requirements: Security Bank’s Fast Track program[1] is a secured credit card that guarantees 100% approval for both new and existing clients of the bank—so consider this if you're looking for a credit card for bad credit in the Philippines. To get this card without having to submit income documents, simply open a deposit account with the bank and deposit the required minimum hold-out amount for your collateral. It's also one of the credit cards with the fastest approval in the Philippines—just three days after you submit the required documents! Gone are the days when credit cards were exclusive to executives and high-income spenders. Thankfully, banks and financial institutions now recognize people’s need for a convenient payment method, thus the uncomplicated application process for the easiest credit cards to get approved for in the Philippines. Access to credit cards in the country is evolving, thanks to credit card comparison and application platforms like Moneymax. If you want to compare credit cards with easy approval in order to find the one that suits your lifestyle, our free and easy-to-use platform allows you to do just that. Source: [1] Security Bank Fast Track Secured Credit Card Moneymax is rated 4.3 out of 5 based on 241 reviews21 Easiest Credit Cards to Get Approved for in the Philippines
Credit Card Requirements UnionBank Rewards Credit Card
🎁 Free Gift from Moneymax: E-Gift, Wireless Earbuds, or Headphones!
Metrobank Titanium Mastercard®
🎁 Free Gift from Moneymax: ₱2,500 eGift, Xiaomi Redmi Soundbar, or JBL Wave Beam True Wireless Earbuds
HSBC Red Mastercard
🎁 Free Gift from Moneymax: Giftaway Credits, Xiaomi Photo Printer, or JBL Tune 520 BT
Security Bank Gold Mastercard
🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or JBL Bluetooth Speaker
BPI Rewards Card
Petron BPI Card
BPI Amore Cashback Card
BPI Edge Card
PNB Ze-Lo Mastercard
PNB Visa Classic
PNB Essentials Mastercard
AUB Easy Mastercard
AUB Classic Mastercard
AUB Platinum Mastercard
RCBC Classic Mastercard
RCBC Flex Visa
RCBC Landmark Anson's Mastercard
Metrobank M Free Mastercard®
China Bank Prime Mastercard
Robinsons Cashback
Security Bank Fast Track Secured Credit Card
Final Thoughts
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"Highly recommended! They will really assist you all throughout. Special mention to my agent Jhayson Opimo, he never gets tired of my endless queries. Thank you, Moneymax!"
- Jonice Adion rated Moneymax 5 out of 5 on March 7, 2019
FAQs
What is the most accepted credit card in the Philippines? ›
Cards that are part of the Visa® or Mastercard® payment network are the most widely accepted.
Which bank approves a credit card easily? ›Card Name | Annual fee | FICO score required |
---|---|---|
Bank of America® Unlimited Cash Rewards Secured credit card | $0 | No credit history |
Capital One Platinum Secured Credit Card | $0 | No credit history |
Indigo® Mastercard® | $0-$99 depending on creditworthiness | 300 to 670 |
Capital One Platinum Credit Card | $0 | 580 to 740 |
Minimum Gross Monthly Income Requirement: ₱15,000 for Bench, ShopMore and Standard Mastercard, Visa Classic, JCB Lucky Cat Credit Card, Blue from American Express® and Installment Card. ₱33,000 for Gold Mastercard, Visa Gold, JCB Gold, Gold UnionPay, Diners Club International and American Express® Cashback Credit Card.
What is the easiest credit card to get approved for? ›The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.
What is the lowest credit score in the Philippines? ›A credit score in the Philippines is from 300 to 950, with 950 being the highest rating. This means that the higher your score, the better. Anything below 650 and you might have some difficulty applying for loans and credit products.
What is pre approved credit card Philippines? ›The circular defines pre-approved credit cards as unsolicited credit cards issued by credit card issuers to consumers who have not applied for such credit cards. This means that credit card issuers cannot send credit cards to consumers without their prior application or request.
Which Bank gives credit cards without income proof? ›Banks That Provide Credit Cards Without Proof Of Income
State Bank of India. Bank of Baroda. Kotak Mahindra Bank. Axis Bank.
- OpenSky® Secured Visa® Credit Card.
- Discover it® Secured Credit Card.
- Capital One Quicksilver Secured Cash Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Credit One Bank® Platinum Visa® for Rebuilding Credit.
Easy Credit Card: A Contactless Credit Card | Bank of Baroda.
How to get a credit card in the Philippines? ›- Proof of Identification. Copy of photo-bearing valid IDs issued by the Philippine government with date of birth and signature and its instrumentalities per the Bangko Sentral Ng Pilipinas (examples below): Philsys ID. TIN ID. ...
- Proof of Income. Photocopy of any of the following income documents: Depositor.
What is proof of income for credit card Philippines? ›
Income Tax Return (ITR) or Certificate of Compensation Payment and Tax Withheld or similar documents. Certificate of Employment or Employment Contract. Latest 3-months payslip. BIR Form 2316 or similar document.
What is credit limit in credit card Philippines? ›A credit card limit is the maximum amount you can spend on your credit card. Every cardholder is assigned a limit on their card based on their income and spending, and it differs for different types of credit cards. You will know your limit from the moment you receive your card.
What credit cards have the highest approval rate? ›- Best for unsecured card: Capital One Platinum Credit Card.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
- Best student dining card: Capital One SavorOne Student Cash Rewards Credit Card.
Credit invisibility can make things like getting approved for a credit card or a loan more difficult or costly. It's possible to get a credit card with no credit. You might consider applying for a secured credit card, student credit card or retail store credit card to help establish and build your credit.
What is the easiest bank to get approved for? ›5 easiest bank accounts to open online | ||
---|---|---|
Bank | Account | Use of ChexSystems |
Ally Bank | Spending Account | ChexSystems pulled |
Capital One | 360 Checking account | No ChexSystems |
Chime | Chime Online Checking Account | No ChexSystems |
Credit Cards & Travellers' Cheques in the Philippines
Most major credit cards are accepted with Visa and MasterCard being the most widely so. AmEx is also accepted in a few places in the major tourist areas, but will not be quite as useful.
Yes, cards issued by U.S. Bank can be used in most foreign countries. If you're planning to travel and want to use your card, let us know. This will help reduce declined transactions on your trip.
Is it better to use cash or credit card in Philippines? ›Carrying cash is a must - cards aren't accepted by many medium and smaller businesses. Card coverage in the Philippines is sporadic. Although in major cities, you'll find that hotels and restaurants accept all major credit/debit cards, smaller businesses and those off the beaten track might not.
What type of card do the Philippines use? ›Card | Fee | Interest rate |
---|---|---|
Metrobank M Free Mastercard | None | 3% |
Metrobank World Mastercard | 6,000 PHP/year (1st year free) | 3% |
BPI Blue Mastercard | 1,500 PHP/year (1st year free)¹³ | 3%¹³ |
RCBC Flex Visa | 1,500 PHP¹⁴ | 3%¹⁵ |