Are Filipinos Ditching Cash for Credit Cards in 2025?
The Philippines is going through a quiet money revolution. From government changes to pandemic habits that stuck around, here's why Filipinos are s...
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💳 Credit Card Rewards Calculator
See if a credit card's annual fee is worth it based on your spending habits.
Annual Rewards Value:
₱5,400
First Year Net Value:
₱7,400
Ongoing Annual Net Value:
₱2,400
Break-even Monthly Spend:
₱16,667
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Travel
0% APR
No Annual Fee
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Card Name
Rating
Annual Fee
Annual Fee Waiver
Rewards Rate
Interest Rate
Offers
Income Requirement
Benefits
Lounge Access
Miles Rewards
Apply
| Card Name | Rating | Annual Fee | Annual Fee Waiver | Rewards Rate | Interest Rate | Offers | Income Requirement | Benefits | Lounge Access | Miles Rewards | Apply |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Excellent for Airport Lounge Access
|
₱5,500
|
Waived if ₱1.2M annual spend (auto reversal via AFWP)
|
Earn 2 pts/₱20 spend; redeem for miles or shopping credits
|
3% p.m.
|
50% off dining, hotels, wellness; Visa concierge; ₱20M insurance
|
₱1,200,000
|
Concierge, luxury hotels, ₱20M travel insurance
|
1 free + guest at PAGSS NAIA 1 & 3
|
Convertible via BPI Vybe
|
|
|
Excellent for Airport Lounge Access
|
₱4,000
|
Waived at ₱600K annual spend
|
2 pts/₱30 local, 2 pts/₱20 overseas; points never expire
|
3% p.m.
|
4x lounge access, ₱10M insurance, 0% airline installments
|
₱1,000,000
|
₱10M insurance, purchase protection, travel support
|
4x Priority Pass after qualifying spend
|
Yes — via Vybe
|
|
|
Excellent for Rewards Points
|
₱2,250
|
Waived at ₱240K spend or 22,500 pts
|
1 pt/₱35 spend
|
3% p.m.
|
Lifestyle promos via 'Oh My Deals!'
|
₱480,000
|
₱10M travel insurance, purchase protection
|
None
|
Convert points to miles via Vybe
|
|
|
Excellent for Rewards Points
|
₱1,550
|
Waived at ₱180K spend
|
1 pt/₱35 spend
|
3% p.m.
|
Lifestyle promos, SIP loans
|
₱180,000
|
Purchase protection, points accumulation
|
None
|
Convertible to miles via Vybe
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
Waived at ₱600K spend
|
4% dining, 1% supermarkets, 0.3% others
|
3% p.m.
|
Free Ayala Malls lounge, 5% movie discount, free parking
|
₱1,000,000
|
Purchase protection, flexible installments
|
Ayala Malls lounges
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱2,050
|
Waivable at ₱180–300K spend
|
4% groceries, 1% utilities, 0.3% others
|
3% p.m.
|
Free Ayala Malls lounge, 36-month installment
|
₱180,000
|
Cashback on essentials
|
Ayala Malls lounges
|
No
|
|
|
Excellent for Rewards Points
|
₱1,550
|
1st year free; next waiver by request
|
3% fuel rebate at Petron
|
3% p.m.
|
₱200 fuel voucher on sign-up
|
₱180,000
|
Free fuel, purchase protection
|
None
|
Yes — via Vybe
|
|
|
Excellent for Rewards Points
|
₱1,320
|
1st year free; waivable via promo
|
1 pt/₱50 spend
|
3% p.m.
|
SIP installment, youth perks
|
₱180,000
|
Flexibility, purchase protection
|
None
|
Yes — via Vybe
|
|
|
Excellent for Rewards Points
|
₱3,000
|
Monthly fee waivable by promo
|
0% SIP installment (3–36 months)
|
3% p.m.
|
Dual billing (0% for 2 months, then standard)
|
₱180,000
|
Flexible billing
|
None
|
Yes — via Vybe
|
|
|
Excellent for Rewards Points
|
₱2,500
|
1st year free; manual waiver likely
|
Cashback on Robinsons spend
|
3% p.m.
|
Lifestyle promos, SIP installment
|
₱180,000
|
Cashback on mall spend, purchase protection
|
None
|
No
|
|
|
Excellent for No Annual Fee
|
₱0
|
No annual fee
|
1 pt/₱35 spend
|
3% p.m.
|
Secure online shopping
|
₱180,000
|
Virtual card for online purchases
|
None
|
No
|
|
|
Excellent for Airport Lounge Access
|
Waived (Principal & Supp.)
|
Lifetime
|
₱10 = 1 point → Asia/KrisFlyer/Mabuhay
|
3%/mo (36% p.a.)
|
6 free PP visits/yr, travel insurance ₱20M
|
Invite-only; investable assets ≥ ₱2.5M
|
PP digital membership, travel insurance, concierge, golf, VIP perks
|
4 PP visits + fee thereafter
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
Waived (Principal & Supp.)
|
Lifetime
|
₱40 = 1 Pt
|
3%/mo (36% p.a.)
|
Priority Pass, travel insurance ₱20M, virtual card
|
₱1,800,000 gross annual
|
PP, travel insurance, concierge, virtual card
|
Free admissions based on spend
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,600 (Principal); ₱1,800 (Supp.)
|
Waived if ₱1.5M spend/12mo
|
Cashbacks: 8.88% on select spends; 0.3% others
|
3%/mo (36% p.a.)
|
₱5,000 welcome bonus (₱10k spend/2mo), concierge, travel insurance
|
₱1,000,000 gross annual
|
High-rate cash rewards, lounge perks, travel insurance
|
Yes (via Visa Platinum privileges)
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱1,500
|
Not waived by default
|
₱100 = 1 Pt
|
3%/mo typical
|
Rewards redemption, merchant perks
|
₱180,000 annual
|
Rewards, merchant privileges, travel insurance
|
Not specified
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱1,500 (Principal)
|
1st-year waiver for new-to-bank cardholders
|
₱100 = 1 Pt
|
3%/mo (36% p.a.)
|
Limitless rewards, eGift vouchers, cash rebates, merchant discounts
|
₱180,000 annual
|
Shopping, dining, wellness, travel perks, balance transfer
|
Not specified
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱2,800 (Principal)
|
First-year waiver promo
|
Up to 5% cashback on supermarket, drugstore & gas
|
3%/mo (36% p.a.)
|
Year-round discounts, low FX fee
|
₱480,000 gross annual
|
Cashback, auto-credit feature, up to 9 supplementary cards
|
Not specified
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,500 (Principal)
|
1st year waived (principal)
|
₱100 = 1 Pt
|
3%/mo (36% p.a.)
|
Low FX fee, travel insurance, global access
|
₱1,000,000 gross annual
|
Supplementary cards, travel insurance, concierge, merchant promos
|
6 JCB lounge visits (Japan) + 8 LoungeKey visits worldwide
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱2,500 (Principal)
|
1st year free
|
₱100 = 1 Pt
|
3%/mo (36% p.a.)
|
Low 2% FX fee; ₱20M insurance
|
₱300,000 gross annual
|
6 JCB lounge visits, travel accident insurance, concierge
|
6 JCB lounge visits Japan/Hawaii
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱4,000 (Principal)
|
1st year waived
|
1 mile/₱15–88 depending on spend
|
3%/mo (36% p.a.); FX fee 1.7%
|
4 DragonPass lounges/year, ₱20M travel insurance
|
₱1,200,000 gross annual
|
Concierge, travel insurance, hotel perks
|
4 DragonPass lounges/year
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱5,000 (Principal)
|
1st year waived
|
1 mile/₱12–38 local or overseas
|
3%/mo (36% p.a.); FX fee 1.7%
|
10 DragonPass lounges/year, ₱20M insurance
|
₱2,600,000 gross annual
|
Concierge, travel perks, hotel privileges
|
10 DragonPass lounges/year
|
Yes
|
|
|
Excellent for Rewards Points
|
₱1,200
|
1st year fee waiver
|
1 pt/₱30 at Puregold; 1 pt/₱100 elsewhere
|
3%/mo (36% p.a.)
|
Grocery promos, prizes, 1st year free
|
Not specified
|
Rebates to Puregold P-Wallet, Visa acceptance
|
No
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱6,000
|
1st year waived
|
Base earning: 1 Rewards Point per ₱30 spend Accelerated points: 3× points on local online purchases 5× points on overseas in-store and online purchases Welcome bonus: Up to 100,000 welcome points for new-to-RCBC cardholders who spend at least ₱60,000 within the first 60 days Annual bonus: 20,000 bonus points for hitting ₱1 M spend within a card year and paying the annual fee Non-expiring points: Points never expire and can be redeemed for airline miles, vouchers, cashback, or donations
|
3.00% monthly
|
100k welcome pts, travel perks, vouchers
|
₱2,000,000
|
Priority Pass, concierge, e-commerce insurance
|
Unlimited PAGSS, Priority Pass
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
1st year waived
|
Overseas spend: 1 mile per ₱25 Local spend: 1 mile per ₱48 Service merchants (e.g. groceries, gas, drugstores): 1 mile per ₱125 Utilities & bills: 1 mile per ₱250 Points (Preferred Airmiles) never expire and convert 1:1 into Asia Miles, Mabuhay Miles, or AirAsia rewards
|
3.00% monthly
|
Travel insurance, concierge, Airmiles
|
₱1,000,000
|
Priority Pass, insurance, concierge
|
Lounge access ₱3,000/visit waived if ₱70,000 overseas spend
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱6,000
|
1st year waived
|
1 pt/₱10 overseas, 1/₱30 local
|
3.00% monthly
|
Pay-with-Rewards, travel insurance
|
₱2,000,000
|
Priority Pass, Mastercard perks
|
Unlimited PAGSS, 1× Priority Pass
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱3,600
|
1st year waived
|
Flexible, non-expiring points
|
3.00% monthly
|
Insurance, points system
|
₱1,000,000
|
PAGSS access, purchase/travel insurance
|
₱3,000/visit waived w/ ₱70,000 overseas spend
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱3,600
|
1st year waived
|
Bonus points in Japan
|
3.00% monthly
|
LoungeKey, concierge, insurance
|
₱1,000,000
|
Sakura & LoungeKey access
|
50+ Lounges inc. Sakura
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱3,600/year
|
1st year waived
|
1 pt/₱28 (domestic); 1 pt/₱22 (international); 2 pts /₱25 via app;
|
3.00% monthly
|
FX perks, 10k welcome points on ₱20k spend.
|
₱250,000
|
FX protection, insurance
|
PAGSS access (fee-based/waivable)
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱4,000
|
1st year waived
|
6% cashback on Zalora 2% cashback other online purchases 1 pt/ ₱50 elsewhere.
|
3.00% monthly
|
Zalora perks, eco-card
|
₱250,000
|
Insurance, shopping perks
|
PAGSS (fee-based)
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,000
|
1st year waived
|
2× pts in 3 categories
|
3.00% monthly
|
Categorized rewards, tools
|
₱500,000
|
Travel insurance
|
Fee-based PAGSS
|
Yes
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived on principal & supp. cards
|
1 pt / ₱50 spend
|
3% monthly
|
Full flexibility in payment schedule (weekly, bi-monthly, monthly); 0% on new purchases
|
₱50,000/mo (~₱600K/yr)
|
Flexible minimum due, Emv chip, MasterCard SecureCode, virtual card
|
None
|
None
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived on principal & supp. cards
|
1 pt / ₱50 spend
|
3% monthly
|
Same schedule flexibility; higher min. due thresholds
|
₱50,000/mo (₱600K/yr)
|
Same basic benefits plus unlimited supp. cards
|
None
|
None
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived on principal & supp. cards
|
1 pt / ₱50 spend
|
3% monthly
|
0% new-purchase interest; travel miles transfers (e.g. Mabuhay Miles)
|
₱50,000/mo (~₱600 K/year)
|
Airport lounge access; insurance coverage; unlimited supp. cards
|
Complimentary lounge access (1 visit?)
|
Yes
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived on principal & supp. cards
|
1 pt / ₱50 spend
|
3% monthly
|
0% new-purchase interest; premium rewards-to-miles transfer
|
₱100,000/mo (₱1.2M/yr)
|
Complimentary airport lounge, insurance, unlimited supp. cards
|
Complimentary lounge access
|
Yes
|
|
|
Excellent for Cashback Rewards
|
3000
|
1st year free Waivable with ₱200K spend
|
Welcome Offer: Earn up to 10% cashback in the first 3 months: Capped at ₱2,500 in bonus cashback. Everyday Cashback: 1% cashback on local purchases. 2% cashback on overseas purchases. No minimum spend and no rebate cap
|
3.5% p.m.
|
Travel & booking deals: Discounts via Booking.com, Sixt car rentals, Trip.com, Westin Manila Installment plans: 0% up to 24 months; longer regular plans available Balance transfer: From other banks at 1%
|
₱33,000/month (₱396K/year)
|
Travel Accident Insurance: Coverage up to ₱10 million for travel accidents when tickets are charged to the card. Travel Inconvenience Coverage: Delayed Flight Departure: ₱5,000 per incident; up to ₱10,000 per family. Flight Cancellation: Up to ₱200,000. Missed Connection: ₱5,000 per incident; up to ₱10,000 per family. Luggage Delay: ₱5,000 per incident; up to ₱10,000 per family. Luggage Loss: Up to ₱80,000 per family. Purchase Protection: Retail purchases are insured against theft, loss, or damage within 30 days from purchase, up to ₱50,000 per occurrence and a maximum of ₱250,000 per year.
|
N.A.
|
N.A.
|
|
|
Excellent for Airport Lounge Access
|
4000
|
First-year fee waived Subsequent waiver if total annual spending ≥ ₱450,000
|
Earning Points: Earn 1 Membership Rewards® point for every ₱40 spent. Flexible Redemption: Points can be converted on a 1:1 basis to air miles with six frequent flyer programs: Mabuhay Miles (Philippine Airlines) KrisFlyer (Singapore Airlines) Cathay Membership (Cathay Pacific) Royal Orchid Plus (Thai Airways) Enrich (Malaysia Airlines) Delta SkyMiles (Delta Airlines) Additionally, points can be converted to hotel loyalty programs such as Marriott Bonvoy and Hilton Honors. Anniversary Bonus: Receive 2,000 bonus Membership Rewards® points upon card anniversary when you spend at least ₱600,000 per year
|
3% p.m.
|
₱66,000/month (~₱792,000/year)
|
American Express Comprehensive Travel Insurance: Receive up to ₱10 million in travel accident protection when you charge your entire travel fare to the card. Additional coverage includes: Travel Delay: ₱5,000 per incident (minimum 4-hour delay), up to ₱10,000 per family. Emergency Trip Cancellation: Up to ₱200,000. Missed Connecting Flight: ₱5,000 per incident, up to ₱10,000 per family. Baggage Delay: ₱5,000 per incident (minimum 6-hour delay), up to ₱10,000 per family. Baggage Loss or Damage: Up to ₱30,000 per item, with a maximum of ₱80,000 per family. Purchase Protection: Retail purchases are insured against theft, loss, or damage within 30 days from purchase, up to ₱50,000 per occurrence and a maximum of ₱250,000 per year.
|
Unlimited complimentary access to PAGSS International Lounges at NAIA for overseas travel Marhaba Lounge at NAIA T1 & T3: included under rotating promos (sometimes up to end-2024/25)
|
|||
|
Excellent for Airport Lounge Access
|
5000
|
First year fee waived. Annual fee fully waived if you spend at least ₱600,000 in a year
|
Earn 1 Membership Rewards® point per ₱45 or USD 1 spend (equivalent) Points never expire and can be redeemed for: Airline miles (e.g., PAL Mabuhay, KrisFlyer, Cathay Pacific, Thai, Delta) Hotel loyalty points (Marriott Bonvoy, Hilton Honors) Shopping vouchers, home gadgets, etc.
|
3% p.m.
|
0% interest installments up to 24 months; up to 36 months with a low 1% add-on rate Balance transfers at low rates (≈0.88% p.m.) Cash Advance / Cash‑It‑Easy up to 30% of credit limit Booking.com: Up to 30% off hotels (through Dec 31, 2025) Hotel discounts: Up to 50% at Westin Manila (until Jun 30, 2025); similar deals at Fairmont and Raffles . Trip.com: Up to 6% off bookings (until Jun 30, 2025)
|
₱93,000/month (~₱1.12M/year)
|
₱20 million travel insurance on ticket purchases (accidents, baggage, delays) ₱75,000 purchase protection per item (up to ₱400,000/year) for 30 days 24/7 Concierge for travel, bookings, lifestyle support
|
Unlimited access to PAGSS International Lounges at NAIA for overseas departures Marhaba Lounge entry for principal and guest, mainly at NAIA T1 and T3, occasionally extended periodically
|
Convert directly to airline miles at a 1:1 ratio — 1 MR point = 1 mile . You can transfer MR points to a variety of airline and hotel partners, such as: Airlines: PAL Mabuhay Miles, Singapore KrisFlyer, Cathay Pacific, Thai Airways, Malaysia Airlines, Delta SkyMiles
|
|
|
Excellent for Rewards Points
|
1800
|
First-year membership fee: FREE Users report waiving by calling customer service and meeting spending conditions (e.g., ≥₱5,000 within 30 days)
|
• 4 Peso Points per ₱1,000 spend at Bench stores and eligible partner global brands • 2 Peso Points per ₱1,000 on all other purchases Earn 2× Peso Points on general spending (via ShopMore entry)
|
2% p.m.
|
• “Stylish Mondays”: Up to ₱1,000 OFF every Monday at Bench and partner global brands • 10% online discount at Bench's official online store (₱1,500 min spend) • Buy Now, Pay Later (BNPL): 0% interest installments (3–6 months) and extended plans up to 36 months across 20,000+ partners nationwide BDO-wide promos: Travel discounts (e.g., Trip.com up to 6%), dining, and lodging offers
|
₱15,000/month (~₱180,000/year)
|
No Travel Insurance coverage.
|
N.A.
|
N.A.
|
|
|
Excellent for Rewards Points
|
1800
|
First Year fee waived; ₱0/mo if spend ≥ ₱15K/mo
|
Transferable MR points (1:1 to airlines/hotels)
|
3% p.m.
|
30% off Booking.com; 6% Trip.com; 50% off at Westin 0% installments, cash advances, balance transfer Periodic promos like 40% off travel essentials at The Travel Club, North Face, R.O.X., Lojel, Delsey, Briggs & Riley, etc., with P20,000+ single-receipt charges .
|
₱15,000/month (~₱180,000/year)
|
Complimentary travel accident insurance when you charge the full airfare to the card up to PHP300,000. Purchase protection covering loss, theft, or damage up to ₱50,000 per item (max ₱250,000/year) Purchase protection on retail purchases made on your trip—insured against damage, loss, or theft within 30 days
|
N.A.
|
1 MR point/₱45 spend
|
|
|
Excellent for Airport Lounge Access
|
4500
|
First year waived;
|
1 Travel Mile/₱30, 2× on dining; dual currency: 2 mi/USD
|
2% p.m.
|
Up to 50% off Westin/Diamond Hotel; free Wi-Fi hotspots Cash-It-Easy, Purchase Convert, Balance Transfer
|
₱77K/month (~₱396K/year)
|
Travel insurance ₱20M, free Wi-Fi, concierge Travel Miles redeemable for airli2% p.m.nes, fee waiver, cash
|
2 free visits/year to 1,500+ Diners lounges globally
|
||
|
Excellent for Rewards Points
|
2400
|
First year waived;
|
2 Peso Points/₱1,000 general spend (~₱1 = 1 pt)
|
3% p.m.
|
Peso Points redeemable for BDO Rewards vouchers/cash credit Up to 50% off Westin; 6% off Trip.com; 0% BNPL promo 0% installments; Balance Transfer; Purchase Convert; Cash-It-Easy
|
₱33K/month (~₱396K/year)
|
Travel insurance ₱10M for family
|
N.A.
|
N.A.
|
|
|
Excellent for Rewards Points
|
1000
|
-
|
No traditional points or cash back—card is mainly for installment cash advances. However, occasional merchant promos include 0% installment and up to 20%‑off deals (e.g., Bench Mondays: 20%, and 3–6 mo 0% promos on partner brands)
|
3% p.m.
|
Real 0% Special Installment Plan (S.I.P.) Enjoy 0% interest on installment plans for up to 36 months at participating merchants. Applicable for both in-store and online purchases. Minimum single-receipt purchase requirement varies per merchant, often starting at ₱3,000. 2. Buy Now, Pay Later Defer your first payment for up to 90 days from the purchase date. Available at select partner merchants, subject to their terms. 3. Bonus Madness Limit Qualified cardholders can receive an additional installment credit limit of up to 100% of their regular credit line. This bonus limit is exclusively for installment transactions. 4. Flexible Installment Terms Choose from various installment durations, typically ranging from 3 to 36 months, depending on the merchant and purchase amount. Some merchants offer promotional terms, such as extended payment periods or exclusive deals. 5. Wide Acceptance The Installment Card is accepted at numerous partner merchants nationwide, covering categories like electronics, appliances, travel, and more. Participating merchants include well-known retailers and service providers.
|
₱15K/month
|
• Light monthly installments (3–36 mo) on cash availments • Reusable credit limit upon repayment • Accepted at 20M+ locations globally across 275 countries
|
N.A.
|
N.A.
|
|
|
Excellent for Airport Lounge Access
|
1500
|
First year waived;
|
1 Peso Point per ₱1,000 spend
|
2.75% - 3.5% p.m.
|
0% installment up to 36 months; Balance Transfer and Purchase Convert available Travel deals, JCB Wi‑Fi, hotel/retail promos
|
₱33,000/month (₱396,000/year)
|
Up to ₱10M family coverage
|
JCB Plaza Lounge access (Japan & Hawaii)
|
N.A.
|
|
|
Excellent for Airport Lounge Access
|
1500
|
First year waived;
|
2 Peso Point per ₱1,000 spend
|
2.75% - 3.5% p.m.
|
0% BNPL up to 36 months; 0.88% add-on BT BNPL offers, JCB Plaza concierge, Wi‑Fi, tourist help desks
|
₱15,000/month (₱180,000/year)
|
None
|
JCB Plaza Lounge access (various international cities)
|
N.A.
|
|
|
Excellent for Airport Lounge Access
|
4500
|
First year waived; 6 free supplementary cards if ₱600K/year spend met
|
3 Peso Point per ₱1,000 spend
|
2.75% - 3.5% p.m.
|
0% installment; Balance Transfer; Purchase Convert Travel concierge, JCB Plaza, LoungeKey, golf benefits, hotel/travel partner promos
|
₱77,000+/month (₱924,000 / year)
|
Up to ₱20M family travel accident and inconvenience insurance
|
6 visits to JCB Plaza Lounges (Japan/Hawaii) + 8 LoungeKey accesses worldwide
|
N.A.
|
|
|
Excellent for Airport Lounge Access
|
5000
|
First year waived;
|
1 Peso point for every ₱30 spent
|
3.54% p.m.
|
Discounts on luxury brands, travel, dining, and shopping
|
₱600,000 per year
|
Complimentary travel insurance, concierge service, shopping protection
|
2 complimentary visits per year to over 1,000 lounges globally
|
Earn miles for every ₱30 spent (convert to travel rewards)
|
|
|
Excellent for Rewards Points
|
1800
|
First year waived;
|
2 Peso point for every ₱1000 spent
|
3.54% p.m.
|
Discounts at partner merchants like SM, Rustans, etc. The card also offers 250 Welcome Bonus Peso Points upon first purchase.
|
₱180,000 per year
|
Shopping discounts, special promotions
|
N.A.
|
N.A.
|
|
|
Excellent for Rewards Points
|
1800
|
First year waived;
|
2 Peso point for every ₱1000 spent
|
3.54% p.m.
|
Discounts at partner merchants like SM, Rustans, etc. The card also offers 250 Welcome Bonus Peso Points upon first purchase.
|
₱180,000 per year
|
Shopping discounts, special promotions
|
N.A.
|
N.A.
|
|
|
Excellent for Rewards Points
|
1800
|
First year waived;
|
2 Peso point for every ₱1000 spent
|
3.54% p.m.
|
Discounts at partner merchants like SM, Rustans, etc. The card also offers 250 Welcome Bonus Peso Points upon first purchase.
|
₱180,000 per year
|
Shopping discounts, special promotions
|
N.A.
|
N.A.
|
|
|
Excellent for Rewards Points
|
1800
|
First year waived;
|
2 Peso point for every ₱1000 spent
|
3% p.m.
|
- Installment programs (0% interest on select merchants) - Exclusive dining, shopping, and travel promos - Earn 4 Peso Points for every ₱1,000 spent at Bench and Partner Global Brand Stores using a BDO terminal.
|
₱180,000 per year
|
- EMV chip for security - Accepted worldwide - Online banking access - Easy Bills Payment
|
N.A.
|
Points convertible to air miles (via BDO Rewards → FFP conversion: e.g., Mabuhay Miles, KrisFlyer, etc.)
|
|
|
Excellent for Airport Lounge Access
|
5000
|
Waived first 3 years; Subsequent waived if ₱600K annual spend
|
1 Peso Point per ₱1,000 spend (₱1 = 1 point)
|
3% p.m.
|
UnionPay U Collection privileges; 0% installments; dual-currency billing; free Alipay/WeChat fees in China; travel insurance
|
₱1,116,000 per year
|
Strong travel insurance (₱20M coverage); dual-currency; wide UnionPay network in Asia
|
This card offers complimentary access to the Skyview Airport Lounge and Club Manila Lounge at NAIA Terminals 1 and 3 for the principal cardholder and one travel companion
|
Peso Points convertible via BDO Rewards
|
|
|
Excellent for Rewards Points
|
1500
|
First year waived;
|
2 Peso point for every ₱1000 spent
|
3% p.m.
|
₱180K–₱240K
|
Basic Visa protections (Zero Liability, emergency card replacement); Global acceptance, entry-level perks
|
N.A.
|
Peso Points convertible via BDO Rewards
|
||
|
Excellent for Rewards Points
|
1200
|
Promotions available
|
2 Peso point for every ₱1000 spent
|
3% p.m.
|
~₱300K–₱360K / year
|
N.A.
|
Peso Points convertible via BDO Rewards
|
|||
|
Excellent for Airport Lounge Access
|
4500
|
The first year's annual fee is usually waived, and succeeding annual fees can be waived by spending at least PHP 600,000 annually ; There is no annual fee for the first 5 supplementary cards
|
2 Peso point for every ₱1000 spent
|
3% p.m.
|
Free Priority Pass (1,400+ lounges); concierge; dual-currency billing
|
₱600K
|
Travel insurance, lounge access, Visa Concierge
|
Free Priority Pass membership
|
Peso Points convertible via BDO Rewards
|
|
|
Excellent for Airport Lounge Access
|
5000
|
The first year's annual fee is usually waived, and succeeding annual fees can be waived by spending at least PHP 600,000 annually ; There is no annual fee for the first 5 supplementary cards
|
The BDO Visa Signature card earns 3% travel rebate on overseas and airline spends, and 0.3% on all other spending, with a maximum rebate of P2,500 p.m.. Additionally, cardholders earn Peso Points on their regular spending, which can be converted to cash credit or transferred to an SMAC account for shopping at SM Retail stores. Travel Rebates: 3% rebate: Earned on spending at airlines and overseas transactions. 0.3% rebate: Earned on all other purchases. Monthly Rebate Cap: The maximum rebate you can earn in a month is P2,500.
|
2.75% to 3.50% p.m.
|
2 complimentary VIP lounge access per year; low FX markup; concierge; travel rebates
|
~₱165K / month
|
Lounge access, concierge, travel rebates
|
2 Priority Pass / year
|
Peso Points convertible via BDO Rewards
|
|
|
Excellent for Airport Lounge Access
|
5500
|
First year waived; For subsequent years, an automatic annual fee waiver is granted for principal cardholders with a spend of at least PHP 600,000 per year,
|
Peso Points: Earn 2 point for every PHP 1000 spent locally and 1.5 points for every USD 1 spent overseas. Points can be converted to miles at a 2:1 ratio or redeemed for various rewards. Exclusive Dining & Shopping Deals: Enjoy up to 50% discounts at select restaurants and special offers on shopping, travel, and wellness services. BDO Philippines
|
3% p.m.
|
Premium World Elite perks (concierge, insurance, exclusive deals)
|
~₱1.2M+ / year
|
Complimentary Airport Lounge Access: Enjoy access to over 1,000 airport lounges worldwide through LoungeKey™. BDO Philippines Travel Insurance Coverage: Receive up to USD 2 million in travel accident and medical insurance when you charge your travel fares to the card. PhilNews Chauffeured Car Services: Avail up to 20% savings on chauffeured car services, including complimentary airport limousine services. PhilNews Private Jet Discounts: Save up to USD 1,000 per round-trip booking on private jet services. PhilNews Exclusive Hotel Offers: Benefit from VIP status, complimentary room upgrades, early check-in, late check-out, and more at select luxury hotels. BDO Philippines Concierge Services: Access a dedicated World Elite™ Mastercard® concierge for assistance with travel bookings, dining reservations, and lifestyle needs. BDO Philippines
|
The BDO World Elite Mastercard offers its cardholders access to airport lounges through the Mastercard Travel Pass program provided by DragonPass. The card provides 10 complimentary lounge visits annually, which can be extended to one guest per visit. Additional guests beyond the complimentary allowance will incur the standard Priority Pass usage fee
|
Peso Points convertible via BDO Rewards
|
|
|
Excellent for Rewards Points
|
₱3,500
|
Waived 1st year*
|
1 pt/₱30
|
3% monthly
|
• Pandora classic bracelet (₱6k spend)• ₱800 cashback every 8th (₱8k spend)• 0% installments for female-centric merchants• Visa Concierge & e‑commerce protection
|
250,000 / per year
|
Lifestyle deals: beauty, wellness, dining; Visa Concierge
|
None
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱6,000*
|
Waived 1st year* (typically with spend promo)
|
1 pt/₱30 → 1 airline mile
|
3% monthly
|
• Accor Plus Explorer membership (₱5k spend)• ₱20M travel/inconvenience insurance• 1.7% FX fee• Mastercard Travel & Lifestyle Concierge
|
3,000,000 / per year
|
Travel privileges, concierge, premium protections
|
via DragonPass (typically USD 32/visit)
|
Yes — airline miles
|
|
|
Excellent for Airport Lounge Access
|
USD 120*
|
Waived 1st year*
|
1 mile/USD1
|
3% monthly
|
Same as above (USD version)
|
3,000,000 / per year
|
Same travel benefits
|
via DragonPass
|
Yes — airline miles
|
|
|
Excellent for Airport Lounge Access
|
₱5,000*
|
Waived 1st year*
|
1 mile/₱60
|
3% monthly
|
• Accor Plus membership (₱5k spend)• ₱20M Travel insurance• 1.7% FX fee
|
250,000 / per year
|
Travel & concierge services
|
via DragonPass
|
Yes — airline miles
|
|
|
Excellent for Airport Lounge Access
|
₱6,000*
|
Waived 1st year*
|
1 pt/₱30; 5% fuel rebate
|
3% monthly
|
Dining privileges; fuel rebate; travel benefits
|
1,000,000 / per year
|
Airline insurance; Mastercard perks
|
via DragonPass
|
No
|
|
|
Excellent for Rewards Points
|
₱3,600*
|
Waived 1st year*
|
6% dining; limited grocery/gas/drugstore rates; monthly cap apply
|
3% monthly
|
• High rebates in select categories• Cashback program terms
|
250,000 / per year
|
Purchase protection; Common Mastercard benefits
|
None
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,500*
|
Waived 1st year*
|
1 pt/₱30 — rewards card
|
3% monthly
|
Lifestyle & travel perks; installment plans
|
500,000 / per year
|
Insurance, concierge, FX discounts
|
Likely via DragonPass
|
No
|
|
|
Excellent for No Annual Fee
|
₱0
|
Perpetual waiver
|
1 pt/₱30
|
3% monthly
|
Budget savings; rewards on daily spend
|
250,000 / per year
|
Online purchase protection; general Mastercard perks
|
None
|
No
|
|
|
Excellent for Rewards Points
|
₱1,500
|
1st year waived; supp. cards waived
|
1 pt/₱30 (₱25 for SMAC members?)
|
3% monthly
|
₱500 welcome gift (CAP promo); SMAC membership; 0% installments
|
250,000 / per year
|
SMAC privileges at SM partners; virtual companion card; online protections
|
None
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱5,000¹
|
1st year waived; supp. waived for life²
|
0.2% on all; 8% dining; 5% shopping & entertainment; 2% fast food (monthly ≥₱10K spend) (hsbc.com.ph, hsbc.com.ph, hsbc.com.ph)
|
3%/mo (retail); Cash Advance 3%/mo (3.04% effective)
|
₱6,000 eGCs upon ₱25K spend in 60 days; fuel: 6% first txn, then 3% at Caltex; travel insurance ₱10M; purchase protection USD200
|
₱400k; existing PH-issued card ≥12 months
|
AutoCharge, mobile activation, online banking, cash advance, purchase protection
|
No lounge access
|
No miles; cashback only
|
|
|
Excellent for Airport Lounge Access
|
₱2,500¹
|
1st-year waived; supp. waived for life²
|
1 Bonus Point/₱20; accelerated 4× on online, dining, shopping, overseas (cap ₱40K/mo)
|
3%/mo retail; Cash Advance 3%/mo (3.04% eff)
|
₱3,000 GCash eGC for ₱25K spend/60d; fuel rebate: 6% first Caltex txn, then 3%
|
₱400,000/year; existing HSBC card ≥ 12 mo
|
HSBC home&Away privileges, Autocharge, instalment plans, cash advance
|
No lounge access
|
Yes – Bonus Points redeemable for miles
|
|
|
Excellent for Airport Lounge Access
|
0
|
Waived for life
|
1 Air Mile per ₱25 spent; 4× bonus overseas; 3× bonus local shopping/dining (cap ₱60K/mo)
|
3%/mo retail; Cash Advance 3%/mo (3.04% eff)
|
₱6,000 eGCs for ₱18K spend/60d; 6% first Caltex fuel then 3%; travel insurance, purchase protection
|
Must be HSBC Premier customer: maintain ₱300K/mo inflows or ₱6M home loan or equivalent
|
24/7 concierge, global privileges, AutoCharge, instalment/cash plans
|
1,300+ lounges via Mastercard Airport Experiences
|
Yes – Air Miles eligible
|
|
|
Excellent for No Annual Fee
|
₱0
|
No annual fee (disclaimer: waived only if card is used monthly) ₱50 monthly inactivity fee applies if no transactions occur in a billing cycle
|
1 Maya Mile per ₱40 spent (base rate); up to 10× at Maya Black Preferred brands
|
~3%/mo (typical retail rate)
|
- 3,000 Maya Miles after ₱5K spend in 60 days- Lounge access via DragonPass
|
Must be Filipino, 21–65, have an upgraded Maya user account, approval depends on Maya's internal assessment
|
- Full digital control (freeze, CVV, etc.)- Miles redeemable via Maya for travel & PAL miles- Visa global acceptance
|
Yes — via DragonPass (NAIA lounges like PAGSS, Marhaba)
|
Yes — Maya Miles convertible to airline miles
|
|
|
Excellent for Cashback Rewards
|
No annual fee (for life)
|
N/A
|
- Up to 5% cashback at Landers- 2% dining- 1% other spends
|
3%/mo (3.04% effective)
|
- Cashback as Landers vouchers (₱1 = 1 pt)- Instant virtual card on approval
|
Must be a Landers member; Must have regular monthly income; Must have upgraded Maya account
|
- In-app tracking, card controls, auto-replacement- No installment feature- Cashback starting at 500 pts
|
No
|
No — cashback-only program
|
|
|
Excellent for Rewards Points
|
₱2,000 (Principal); ₱1,000 (Supplementary) (maybank.com.ph, maybank.com.ph)
|
1st year waived for principal
|
1 TreatsPoint/₱25 retail
|
2%/mo (~26.8% p.a.) retail & cash
|
• 0% installment up to 24 mo via EzyPlans• Maybank promotions & merchant discounts
|
₱195,000 gross/year (~₱16,250/month)
|
• SMS alerts• Dual-currency settle abroad
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Rewards Points
|
₱2,500 (Principal); ₱1,500 (Supplementary)
|
1st year waived
|
1 TreatsPoint/₱25 retail
|
2%/mo retail & cash
|
• Similar EzyPlans• Merchant promo discounts
|
₱420,000/year
|
• Enhanced rewards vs Standard• Global acceptance
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Rewards Points
|
₱3,500 (Principal); ₱1,750 (Supplementary)
|
1st year waived
|
1 TreatsPoint/₱25 retail
|
2%/mo retail & cash
|
• EzyPlans installments• 1% cashback on overseas spend (cap ₱12k)
|
₱650,000/year
|
Overseas cashback• TreatsPoints rewards• Global privileges Automatic Travel ACC cover when airfare is charged
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Rewards Points
|
₱2,000 principal; ₱1,000 supp.
|
1st year waived
|
1 TreatsPoint/₱25 retail
|
2%/mo
|
• Visa benefits & promos
|
₱195,000/year (inferred same as Standard)
|
• Global Visa acceptance• Installment plans
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Rewards Points
|
₱2,500 principal; ₱1,500 supp.
|
1st year waived
|
1 TreatsPoint/₱25 retail
|
2%/mo
|
• Visa privileges & partner promos
|
₱420,000/year
|
• Enhanced Visa benefits• Global access
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Cashback Rewards
|
₱3,500 principal; ₱1,750 supp.
|
1st year waived
|
1 TreatsPoint/₱25 retail + 1% cashback overseas (cap ₱12k)
|
2%/mo
|
• Visa privileges• Overseas 1% cashback (cap)
|
₱650,000/year
|
• Overseas spend perks• Visa global acceptance Travel Insurance + 1% overseas cashback (₱12K/yr cap)
|
No
|
Yes – Points convertible to miles
|
|
|
Excellent for Airport Lounge Access
|
Lifetime waived for Premier clients (equivalent ₱5,000 value)
|
Same as principal (lifetime waived)
|
1 TreatsPoint/₱25; plus 1% cashback overseas (cap ₱36,000)
|
2%/mo retail & cash
|
• 1% overseas cashback• AC issuer fee 1.75% FX rate• Lounge access – 2 times/year• Golf programs• Concierge• Purchase protection up to USD1,000
|
Must be Premier client (typically ₱6M AUM or equivalent)
|
• Visa Infinite privileges (hotels, dining)• Concierge & golf benefits Comprehensive Travel & Accident Insurance
|
Yes – 2 complimentary accesses/year (reimbursement)
|
Yes – Points redeemable to cash/miles
|
|
|
Excellent for Rewards Points
|
₱2,500
|
1st year waived; annual fee waived w/ ₱180K spend annually
|
1 point per ₱20 2× points on online, dining, dept stores
|
3%/mo (36% p.a.)
|
New cardholders can choose between a welcome gift of rewards points or a waiver of the annual fee. Enjoy discounts and offers at various restaurants and dining establishments. Some promos may offer discounts on flights, hotels, or other travel-related expenses.
|
₱180,000 annual
|
Petron partnership; 0% installment; EMI plans
|
No
|
No
|
|
|
Excellent for Rewards Points
|
₱2,500
|
Waived 1st year
|
1 pt / ₱20 local; 2x overseas spend
|
3%/mo
|
E-Gift for new customers with minimum spend ₱20K in 90 days
|
₱180,000 annual
|
Double rewards abroad; accepted worldwide
|
No
|
Yes (via points)
|
|
|
Excellent for Rewards Points
|
₱2,500
|
Waived 1st year
|
3x points on Toyota spend; 1 pt / ₱20 elsewhere
|
3%/mo
|
10% off on Toyota accessories & labor, 3% rebate on service
|
₱180,000 annual
|
Toyota service & parts perks; exclusive hotline
|
No
|
Yes – via points
|
|
|
Excellent for Cashback Rewards
|
₱3,500
|
Waived 1st year Fee waiver threshold is ₱250K annual spend, after the first year
|
5% groceries; 3% utilities & telecoms; 0.2% others (monthly cap: ₱1K cashback)
|
3%/mo
|
Welcome eGift worth ₱500 with spend condition
|
₱180,000 annual
|
Auto cash rebates credited monthly; 0% installment plans
|
No
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
Waived 1st year
|
1 pt / ₱20
|
3%/mo
|
Free travel insurance up to ₱5M; purchase protection
|
₱700,000 annual
|
Mastercard Moments; concierge; EMI plans
|
Yes – LoungeKey access (limited)
|
Yes – via points
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
Waived 1st year
|
1 mile / ₱17 foreign or ₱20 local
|
3%/mo
|
₱2,500 airline voucher w/ ₱30K spend in 60 days
|
₱700,000 annual
|
Free travel insurance up to ₱5M; dual currency billing; Visa Infinite perks
|
Yes – LoungeKey, 2x/year
|
Yes – Earn real miles
|
|
|
Excellent for Airport Lounge Access
|
₱6,000
|
Waived 1st year
|
1 pt / ₱20
|
3%/mo
|
Priority Pass (fee-based); discounts at select restaurants
|
₱700,000 annual
|
Global concierge; access to curated experiences
|
Yes – Priority Pass (fees apply)
|
Yes – via points
|
|
|
Excellent for Rewards Points
|
₱1,200
|
Waived 1st year
|
1 pt / ₱20
|
3%/mo
|
Free welcome gift promo; 0% installment plans
|
₱180,000 annual
|
Low annual fee; simple rewards program
|
No
|
Yes – via points
|
|
|
Excellent for Rewards Points
|
₱0 (No annual fee for life)
|
N/A (already free)
|
1 pt / ₱20
|
3%/mo
|
None specified
|
₱180,000 annual
|
No annual fees ever; basic but solid perks
|
No
|
Yes – via points
|
|
|
Excellent for No Annual Fee
|
₱0
|
Free (for life)
|
None (cashback-focused)
|
2%
|
Zero late/overlimit fees, contactless, bill in PHP while abroad
|
₱120K annual (₱10K monthly)
|
Low finance charge; global acceptance; supplementary cards also zero annual fee
|
No
|
No
|
|
|
Excellent for Travel Miles
|
₱1,200/year
|
Waived 1st year only
|
1 pt per ₱70 = ₱0.25; convertible to cash or Mabuhay Miles
|
2%
|
Free travel insurance up to ₱1 M; Card Protect; 0% installments
|
₱120K annual
|
Insurance; secure spending; app controls
|
No
|
Yes (Cash Credits & Mabuhay Miles)
|
|
|
Excellent for Rewards Points
|
₱300/year
|
N/A
|
No regular reward; 1% rebate on revolved interest
|
2%
|
Up to ₱1M travel insurance; purchase protection; 0% installments
|
₱120K annual
|
Travel & purchase insurance; Card Protect feature
|
No
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,000/year
|
N/A
|
1 pt per ₱70
|
2%
|
₱3 M travel insurance; fraud & purchase protection; dual billing; 0% installments
|
₱600K annual
|
All major insurances; flexible payments; global use
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱1,000/year
|
First 3 years free
|
1,000 miles welcome; miles earn ~1 per ₱58 (not clear)
|
2%
|
₱1M travel insurance; ₱250k purchase protection; 5% PAL discount
|
₱120K annual
|
Free purchase/travel protection; PAL discounts; dual billing
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes (Mabuhay Miles)
|
|
|
Excellent for Airport Lounge Access
|
₱3,000/year
|
N/A
|
1 point/₱48
|
2%
|
Free 2,000 miles; ₱3 M travel insurance; purchase protection; PAL promos
|
₱1.2M annual (or ₱600K per some)
|
All major insurances; bonus miles; flexible billing
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱6,000/year
|
N/A
|
1 point/₱55
|
2%
|
Not detailed
|
₱2.4M annual
|
Premium travel services; higher miles earn
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱50,000/year
|
N/A
|
Premium
|
2%
|
Premium travel perks (likely)
|
₱2.4M annual
|
Highest-tier benefits
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱3,000/year
|
N/A
|
1 point per ₱40
|
2%
|
₱3 M travel insurance; PAL Raffles Fairmont discounts
|
₱480K annual
|
Travel-focused points; insurance; hotel promos
|
Offers complimentary access to airport lounges through the Mastercard Travel Pass program. Cardholders are entitled to four (4) complimentary lounge visits per calendar year, which can be shared with guests.
|
Yes
|
|
|
Excellent for No Annual Fee
|
₱0
|
N/A
|
No rewards
|
2%
|
₱250k purchase protection; ₱1M travel insurance; exclusive promos
|
₱120K annual
|
Virtual card, fast issuance, protections
|
No
|
No
|
|
|
Excellent for Rewards Points
|
₱600
|
Waived for 1st year
|
None on spend; 1% rebate on interest
|
2%
|
Travel insurance (₱1M), Purchase protection (₱250K), Fraud insurance (₱120/year)
|
₱600,000/year
|
Card Protect, Installment plans, Contactless payments
|
No
|
No
|
|
|
Excellent for Travel Miles
|
₱3,000
|
Waived 1st year; supp. free for life
|
₱70 = 1 point + ₱70 = 1 Mabuhay Mile
|
2%
|
Travel insurance (₱10M), Purchase protection, Fraud insurance, TravelMate Asia merchant perks
|
₱600,000/year
|
Dual-currency billing, World Assist concierge, UnionPay travel perks, Contactless payments
|
No
|
Yes - Mabuhay Miles pts
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived (securitybank.com)
|
1% cashback on online spend (max ₱3,000/yr)
|
2.5% monthly (~30% APR)
|
Eco-friendly PVC; up to ₱2,000 eGC promo (early launch)
|
₱480,000 (new); ₱360,000 (existing)
|
Worldwide acceptance, e-commerce protection (USD 200), supplementary cards, exclusive Mastercard promos
|
Local lounge at preferential rates (A Lounge, Marhaba, PAGSS)
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱3,000
|
1st year waived;
|
5% groceries, 4% gas, 3% utilities, 2% dining, 1% shopping (monthly caps)
|
~3% monthly
|
Instant cashback (up to ₱13,200/yr); Asian Banking Finance Award 2023 winner
|
₱780,000
|
E-commerce protection (USD 200), worldwide acceptance, Mastercard promos, local lounge access preferential rates
|
Local lounge preferential rates
|
No
|
|
|
Excellent for Rewards Points
|
₱2,500
|
1st year waived
|
1 point per ₱20 spent; points non-expiring
|
~3% monthly
|
Exclusive offers on shopping, entertainment, wellness, accommodations
|
₱480,000
|
Secured online shopping, Mastercard promos, worldwide acceptance
|
No
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱4,000
|
1st year waived
|
2 points per ₱20 spent; non-expiring
|
~3% monthly
|
Dual‑currency billing, travel insurance, concierge, digital promos
|
₱780,000
|
Purchase protection (USD 200), travel insurance, secure online, supplementary fee waived for life on supp card
|
2 free international lounge access via Mastercard Travel Pass (1,300+ lounges globally); unlimited local lounges
|
No
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
1st year waived
|
3× points per ₱20 spent
|
~3% monthly
|
Same as Platinum, plus higher-tier travel perks
|
₱3,000,000
|
Travel insurance, dual‑currency, exclusive promos
|
Unlimited local + Travel Pass global lounges
|
No
|
|
|
Excellent for No Annual Fee
|
₱0
|
Forever waived
|
None (installment focused)
|
3.0% monthly + auto-install 1% add-on rate
|
Auto-convert big purchases to 3/6/12-month installments; SimplyPay; Marhaba lounge access T1/T3
|
₱600,000 (new); ₱540,000 (existing)
|
Secure online shopping (Mastercard SecureCode), purchase protection, supplementary cards
|
Next MC offers preferential access to Marhaba, A Lounge, and PAGSS at NAIA.
|
No
|
|
|
Excellent for No Annual Fee
|
₱0
|
No annual fee for life
|
No rewards pts. 10% rebate on interest charges (if minimum due paid); no late/overlimit fees; virtual card
|
3.00% monthly; cash advance 3.04%
|
10% rebate on interest if min due is paid; no late/overlimit fees; virtual card
|
₱180,000 annually
|
Purchase rebates, simplified fees, safe online use
|
None
|
Yes (convertible points)
|
|
|
Excellent for No Annual Fee
|
₱0
|
No annual fee for life
|
No rewards pts. 10% rebate on interest charges (if minimum due paid); no late/overlimit fees; virtual card
|
3.00% monthly
|
Similar to U Visa: rebate, no fees
|
₱180,000 annually
|
Same as U Visa plus Mastercard network perks
|
None
|
Yes (convertible points)
|
|
|
Excellent for Rewards Points
|
₱2,500/year
|
Not waived (but fast waiver promo if ₱20k spend)
|
1 pt/₱30; 3× on shopping/dining locally & abroad
|
3.00% monthly; cash advance 3.04%
|
Points redeemable for cash credits, goods, gadgets; installment conversion; travel/online insurance (per issuer)
|
₱150,000 annually
|
Travel/online insurance, installment conversion, global Mastercard perks Points redeemable for cash credits, goods, gadgets; installment conversion;
|
None
|
Yes (convertible points)
|
|
|
Excellent for Rewards Points
|
₱2,500/year
|
Not waived (but fast waiver promo if ₱20k spend)
|
1 pt/₱30; 3× categories
|
3.00% monthly
|
Same benefits under Mastercard branding
|
₱150,000 annually
|
Travel/online insurance, installment conversion, global Mastercard perks Points redeemable for cash credits, goods, gadgets; installment conversion;
|
None
|
Yes (convertible points)
|
|
|
Excellent for Rewards Points
|
₱4,500/year
|
Not waived (promo available)
|
6% on supermarket; 2% on Meralco (bills); 0.20% on other purchases
|
3.00% monthly
|
6% supermarket cashback; welcome gift promo included
|
₱180,000 carded; ₱250,000 new
|
Cashback on essentials; typical protections
|
None
|
No (cashback only)
|
|
|
Excellent for Rewards Points
|
₱4,500/year
|
Not waived (promo available)
|
Up to 6% supermarket; likely mirrored on Visa
|
3.00% monthly
|
Up to 6% rebate on groceries; 2% on Meralco; standard protections
|
Estimated ₱180,000+
|
Cashback perks under TiMC
|
None
|
No (cashback only)
|
|
|
Excellent for Airport Lounge Access
|
₱5,000/year
|
Not waived
|
1 mile/₱30
|
3.00% monthly
|
2 DragonPass lounge visits/year; ₱1M travel insurance; purchase protection; promos
|
₱360,000 annually
|
Travel perks, miles convertibility, protections
|
2 DragonPass passes/year
|
Yes – UnionBank Miles+ convertible to airline miles
|
|
|
Excellent for Airport Lounge Access
|
₱5,000/year
|
Not specified
|
1 mile/₱30;
|
3.00% monthly
|
Free DragonPass (2 visits/year); up to ₱1M travel insurance
|
₱360,000 annually
|
Premium travel privileges
|
2 DragonPass (free)
|
Yes – UnionBank Miles+ convertible to airline miles
|
|
|
Excellent for Rewards Points
|
₱3,000
|
Waived first year
|
6× Lazada credits/₱200 on-app; 1× elsewhere
|
3.00% monthly
|
E-commerce discounts on Lazada; free shipping (via credits)
|
₱360,000 annually
|
E-commerce focused benefits
|
None
|
No (credits only)
|
|
|
Excellent for Rewards Points
|
₱2,800
|
Not waived
|
Up to 5% rebate on Shell fuel, tolls, auto services
|
3.00% monthly
|
Fuel/toll rebates; welcome gift promo
|
₱180,000 (carded); ₱250,000 (non-carded)
|
Fuel rebates, travel protections
|
None
|
No
|
|
|
Excellent for No Annual Fee
|
₱0
|
No annual fee for life
|
3% rebate at S&R; 1% elsewhere
|
3.00% monthly
|
Unlimited pizza reward & membership renewal at S&R
|
₱180,000 annually
|
Grocery rebates, insurance
|
None
|
No
|
|
|
Excellent for Rewards Points
|
₱3,000
|
Not waived
|
1 Go Rewards pt/₱200; 1/₱100 at Cebu Pacific
|
3.00% monthly
|
Flight point acceleration; free insurance (₱400K coverage)
|
₱360,000 annually
|
Airline perks, travel protections
|
None
|
Yes – Go Rewards
|
|
|
Excellent for Airport Lounge Access
|
₱5,000
|
Not waived
|
Likely 1 pt/₱100 + extras
|
3.00% monthly
|
Premium CP privileges, accelerated earning
|
₱600,000 annually
|
Airline status benefits, insurance
|
Pacific Club (NAIA T3)
|
Yes
|
|
|
Excellent for Airport Lounge Access
|
₱12,000/year
|
Not waived
|
1 pt/₱30; 5× in dining/travel/FX
|
3.00% monthly
|
Premium travel perks, high-tier perks
|
Not listed
|
Inclusive travel privileges
|
DragonPass (estimated)
|
Yes (convertible points)
|
|
|
Excellent for Airport Lounge Access
|
₱12,000/year
|
Not waived
|
Similar to Infinite plus more
|
3.00% monthly
|
Premium travel and concierge benefits
|
Not listed
|
Ultimate travel/offers package
|
DragonPass (estimated)
|
Yes (convertible points)
|
Quick Guide: Excellent Credit
✅ Do You Qualify for Excellent Credit?
- 🕒 On-time payments record
- 📉 Balances below 30%
- 📅 5+ years credit history
- 🔄 Mix of cards & loans
- 📝 Few recent applications
⭐ Benefits of Excellent Credit Cards
- 🎁 Big welcome bonuses
- ✈️ Premium travel perks (lounges, insurance)
- 💳 Higher limits & lower rates
- 🛡 Purchase protection & extended warranties
How to Choose the Best Credit Card for Excellent Credit
If you have excellent credit, you’ll qualify for premium cards with bigger rewards and perks. Here’s what to weigh when choosing the right one for you:
- Premium cards usually cost ₱1,500–₱10,000+ per year.
- Check if rewards and benefits outweigh the fee.
- Many issuers waive the first year’s fee or offer waivers if you hit a spending minimum.
- Travel cards → earn miles and hotel points.
- Cashback cards → get a % back on everyday spend.
- Category cards → extra rewards on groceries, dining, or fuel.
- Choose a structure that matches where you spend most.
- Often worth thousands of pesos in points, miles, or cashback.
- Compare offers and watch the minimum spend requirement (usually 1–3 months).
- If you carry a balance, look for lower APR.
- Some cards include 0% introductory offers on purchases or balance transfers.
- Travel insurance, lounge access, concierge, extended warranties.
- These can more than justify a higher fee if you travel often or make big purchases.
How We Compare
At NerdCash, our goal is to give you clear, fair comparisons of credit cards in the Philippines. We look at both everyday value and long-term benefits.
- 🏆 Rewards – earning rates, bonus categories, and limits
- 🎟️ Redemption options – how easy it is to use points, miles, or cashback
- 💸 Fees – annual fees, foreign transaction fees, and hidden charges
- 🎁 Welcome offers – sign-up bonuses and promos
- ✈️ Perks – travel insurance, lounge access, purchase protection
- 📝 Approval requirements – income thresholds, credit score, ease of application
- 📉 Interest terms – regular APR and balance transfer options
- 📱 User experience – customer service and digital tools
Independence & Disclosure
We may earn a commission if you apply through our links, but this does not influence our reviews or rankings. Our job is to help you make the smartest choice for your money.