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Best Credit Cards in the Philippines
Among all the things Covid-19 pandemic has taught, one would surely be the value of cashless transactions. It wasn’t really a thing for Filipinos before; going cashless is even viewed as something only the rich could afford, but 2020 has changed that.
Among all the things Covid-19 pandemic has taught, one would surely be the value of cashless transactions. It wasn’t really a thing for Filipinos before; going cashless is even viewed as something only the rich could afford, but 2020 has changed that.
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Filipinos are now embracing any form of contactless payment method; and of course, a credit card is one of the best options.
Regardless of all the prejudgments against credit cards, we couldn’t deny that having one also has its advantage. The future is as uncertain as to how we don’t always have money at hand. So as long as you use credit cards wisely, then they will surely serve their purpose.
It still depends on your needs and, let’s be truthful, wants, but surely, having the friendliest credit card will help you. So, consider some of the best credit card options in the Philippines and how they would be advantageous to you.
Filipinos are now embracing any form of contactless payment method; and of course, a credit card is one of the best options.
Regardless of all the prejudgments against credit cards, we couldn’t deny that having one also has its advantage. The future is as uncertain as to how we don’t always have money at hand. So as long as you use credit cards wisely, then they will surely serve their purpose.
It still depends on your needs and, let’s be truthful, wants, but surely, having the friendliest credit card will help you. So, consider some of the best credit card options in the Philippines and how they would be advantageous to you.
City Simplicity+
This card is probably the most recommended credit card at the moment, not only because it has less minimum monthly income requirement than the others, but it also has no annual fees and late payment fees. Yes, you’ve read it right!
City Simplicity Card also has no over limit fee, although it’s mainly because your transaction will automatically be canceled once you reached your credit limit. Still a good thing, right? This is definitely a beginner-friendly credit card.
• Annual fee: No annual fee for life
• Interest rate: 2%
• Minimum monthly income requirement: Php 15,000 (existing cardholders) or Php 20,833 (new cardholders)
• Other requirements:
• At least 21 years old
• Active mobile or landline number
• Valid TIN, SSS, GSIS, or UMID number
AUB Classic Mastercard
Now, you’re probably excited knowing that there is a credit card with no annual fee. Well, let’s give you another option because Asia United Bank just waived the annual fees for all its credit cards! Just wow. So let’s discuss the best of all, of course, the easiest to own, AUB Classic Mastercard.
This AUB Classic Mastercard gives you the freedom to choose when and how much you want to pay. To put it simply, this is a credit card on your own terms. So no need to worry that much because you can actually choose your due date to be your exact payday.
• Annual fee: No annual fee for life
• Interest rate: 2%
• Minimum monthly income requirement: Php 21,000
• Other requirements:
• 21 to 65 years old
• Mobile number and home or office landline number
• Active e-mail address
• At least one-year regular employment status, profitable business, or practice of the profession
Citi Cash Back Credit Card
Imagine there’s a long line of carts on a supermarket counter, and when it’s finally your turn after an hour of waiting, you’ve realized you don’t have enough cash with you. Yikes!
Luckily, there’s a Citi Cash Back Card that is perfect for grocery shopping because it does not only provide convenience for payment but also gives a high rebate rate of up to 6% when used in supermarkets. It also lets you save money when you use it to pay for Meralco bills. However, take note that it has a maximum monthly rebate of Php 1,000.
• Annual fee: Php 4,500 (waived for the first year)
• Interest rate: 2%
• Minimum monthly income requirement: Php 20,833 (new) and Php 15,000 (existing cardholders)
• Cashback rate
• Groceries: up to 6%
• Meralco bills: up to 2%
• Other purchases: 0.20%
HSBC Platinum Visa
Do you love traveling? If yes, here’s the card that is perfect for you. This HSBC Platinum Visa card suits frequent travelers because of its good peso-to-mile conversion rate and other exciting perks.
• Annual fee: Php 5,000 (free on the first year)
• Interest rate: 2%
• Minimum monthly income requirement: Php 41,666.67
• Other perks:
• Up to Php 10 million travel insurance
• 4 bonus points for every Php 20 spent overseas
• 3x bonus points for every Php 20 spent on local dining or shopping
There are still plenty of credit cards that give generous cashback and exciting perks you’ll surely love. You only have to choose what’s best for you.
