Credit cards
Credit cards catalogue
Compare credit cards from banks across the Philippines. Facts shown in the same order, with sources.
157 results
| Product | Fee | Cashback | Income req. | Rewards | Good for | Bank rating | |
|---|---|---|---|---|---|---|---|
 Credit card(24 products)Union Bank of the Philippines | None–₱12,000 | up to 6% | ₱360k/yr | Up to 6% groceriesup to 2% Meralco0.2% other eligible spend | Various | 2.7 360 reviews | Show all → |
 Credit card(13 products)Bank of the Philippine Islands | None–₱5,500 | up to 15% | — | 15% cashback on finance charge when minimum amount due is paid on time | Various | 3.3 195 reviews | Show all → |
 Credit card(26 products)Rizal Commercial Banking | None–₱6,000 | up to 6% | — | 6% at ZALORAup to 2% on other eligible online spend | Various | 3.8 390 reviews | Show all → |
 Credit card(23 products)BDO Unibank | ₱1,200–₱5,500 | up to 2% | ₱180k–₱2M/yr | 1% local and 2% overseas eligible spendno minimum spend | Various | 3.7 368 reviews | Show all → |
 Credit card(8 products)Security Bank | None–₱5,000 | up to 5% | ₱480k–₱3M/yr | 5% groceries4% gas3% utilities+2 more | Various | 3.6 128 reviews | Show all → |
 Credit card(15 products)East West Banking | None–₱5,000 | up to 8.88% | ₱180k–₱2.6M/yr | Up to 8.88% cash reward on qualifying categories | Various | 3.6 225 reviews | Show all → |
 Credit card(14 products)Philippine National Bank | None–₱50,000 | up to 1% | ₱120k–₱2.4M/yr | 1% rebate on qualifying revolved interest | Various | 3.0 210 reviews | Show all → |
 Credit card(8 products)Maybank Philippines | None–₱3,500 | up to 1% | ₱195k–₱650k/yr | 1% cashback on qualifying overseas POS spend | Various | 3.1 120 reviews | Show all → |
 Credit card(2 products)Maya Bank | None | up to 5% | — | 2% dining3%–5% at Landers | Various | 3.5 30 reviews | Show all → |
 Credit card(5 products)HSBC Philippines | None–₱12,500 | up to 8% | ₱400k/yr | Up to 8% dining2% fast food, and 5% shopping, entertainment and selected travel | Various | 4.5 75 reviews | Show all → |
 Credit card(12 products)China Banking | None | up to 7% | — | Up to 7% rebates on Landers purchases | Various | 4.1 180 reviews | Show all → |
 Credit card(4 products)Asia United Bank | None | Points | ₱600k–₱1.2M/yr | Eligible for AUB Rewardspublic card page does not state a points-per-peso rate | Various | 3.7 60 reviews | Show all → |
 PSBank Credit MastercardPhilippine Savings Bank | None | — | — | — | No annual fee and installment access | 3.1 15 reviews | Apply |
 Credit card(2 products)Land Bank of the Philippines | ₱1–₱2,500 | — | — | Various | Various | 3.3 30 reviews | Show all → |
- Fee
- None–₱12,000
- Cashback
- up to 6%
- Income req.
- ₱360k/yr
- Rewards
- Up to 6% groceries, up to 2% Meralco, 0.2% other eligible spend +23
- Good for
- Various
- Fee
- None–₱5,500
- Cashback
- up to 15%
- Income req.
- —
- Rewards
- 15% cashback on finance charge when minimum amount due is paid on time +12
- Good for
- Various
- Fee
- None–₱6,000
- Cashback
- up to 6%
- Income req.
- —
- Rewards
- 6% at ZALORA; up to 2% on other eligible online spend +25
- Good for
- Various
- Fee
- ₱1,200–₱5,500
- Cashback
- up to 2%
- Income req.
- ₱180k–₱2M/yr
- Rewards
- 1% local and 2% overseas eligible spend; no minimum spend +22
- Good for
- Various
- Fee
- None–₱5,000
- Cashback
- up to 5%
- Income req.
- ₱480k–₱3M/yr
- Rewards
- 5% groceries, 4% gas, 3% utilities, 2% dining, 1% shopping +7
- Good for
- Various
- Fee
- None–₱5,000
- Cashback
- up to 8.88%
- Income req.
- ₱180k–₱2.6M/yr
- Rewards
- Up to 8.88% cash reward on qualifying categories +14
- Good for
- Various
- Fee
- None–₱50,000
- Cashback
- up to 1%
- Income req.
- ₱120k–₱2.4M/yr
- Rewards
- 1% rebate on qualifying revolved interest +13
- Good for
- Various
- Fee
- None–₱3,500
- Cashback
- up to 1%
- Income req.
- ₱195k–₱650k/yr
- Rewards
- 1% cashback on qualifying overseas POS spend +7
- Good for
- Various
- Fee
- None
- Cashback
- up to 5%
- Income req.
- —
- Rewards
- 2% dining; 3%–5% at Landers +1
- Good for
- Various
- Fee
- None–₱12,500
- Cashback
- up to 8%
- Income req.
- ₱400k/yr
- Rewards
- Up to 8% dining, 2% fast food, and 5% shopping, entertainment and selected travel +4
- Good for
- Various
- Fee
- None
- Cashback
- up to 7%
- Income req.
- —
- Rewards
- Up to 7% rebates on Landers purchases +11
- Good for
- Various
- Fee
- None
- Cashback
- Points
- Income req.
- ₱600k–₱1.2M/yr
- Rewards
- Eligible for AUB Rewards; public card page does not state a points-per-peso rate +2
- Good for
- Various
- Fee
- None
- Cashback
- —
- Income req.
- —
- Rewards
- —
- Good for
- No annual fee and installment access
- Fee
- ₱1–₱2,500
- Cashback
- —
- Income req.
- —
- Rewards
- Various
- Good for
- Various
Frequently asked questions
What's the maximum interest a credit card can charge in the Philippines?+
The BSP caps credit card finance charges at 3% per month (about 36% per year) on unpaid balances. This rate is the same across issuers — so compare cards by fees and rewards in the credit cards table instead.
Do I pay interest if I pay my full balance each month?+
No. If you pay the full statement balance by the due date, purchases are interest-free. Interest applies only to unpaid/revolving balances and to cash advances.
What is an annual fee and can it be waived?+
It's a yearly charge for holding the card. Many issuers waive it for the first year, or when you meet a minimum yearly spend. Compare annual fees across issuers in the credit cards table.
Finsyal works to keep this information accurate and current, but figures may differ from what a provider shows on its own website. Everything here is provided without warranty and can change over time — if you spot an error or something out of date, please contact us. Opinions are the author’s own and have not been reviewed, approved, or endorsed by any provider.