Editor's Top Picks by Category
The single best card for each spending type — based on reward value, fees, and requirements.
All 8 Cards — Detailed Reviews
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Full Comparison Table — All 8 Cards
Every key metric side-by-side. Sorted by annual fee.
| Card | Annual Fee | APR | Min Income | Reward Type | Reward Rate | FX Fee | Lounge | Travel Ins. | Apply |
|---|---|---|---|---|---|---|---|---|---|
UnionBank Cashback Card UnionBank | ₱0 (1st yr) / ₱2,500 | 24% | ₱30,000/mo | cashback | 1% unlimited cashback | 2.0% | Apply | ||
PNB Ze-Lo Mastercard PNB | ₱0 forever | 24% | ₱10,000/mo | points | 1 pt / ₱50 | 3.0% | Apply | ||
RCBC Bankard Flex Visa RCBC | ₱1,500/yr | 24% | ₱15,000/mo | cashback | 0.5% base / 5% on chosen category | 2.5% | Apply | ||
BPI Rewards Card BPI | ₱1,800/yr | 24% | ₱15,000/mo | points | 1 pt / ₱35 (≈1.14%) | 2.5% | Apply | ||
BDO Visa Platinum BDO | ₱2,000/yr | 24% | ₱20,000/mo | points | 1 pt / ₱35 (2x at SM/Ayala) | 2.5% | Apply | ||
Metrobank Rewards Plus Metrobank | ₱2,500/yr | 24% | ₱20,000/mo | points | 1 pt / ₱20 (≈2%) | 2.5% | Apply | ||
Security Bank Platinum Security Bank | ₱3,500/yr | 24% | ₱35,000/mo | miles | 1 mile / ₱30 (2x travel) | 2.0% | Apply | ||
EastWest Platinum Mastercard EastWest Bank | ₱4,000/yr | 24% | ₱50,000/mo | miles | 1 mile / ₱25 (3x on travel) | 1.5% | Apply |
All rates as of April 2026. Verify current rates directly with the bank before applying. Annual fee may be waived based on annual spend.
How to Choose the Best Credit Card in the Philippines
Match Your Spending Pattern
Dining-heavy? Metrobank 2x points. Mall shopper? BDO at SM/Ayala. Mixed spending? UnionBank 1% unlimited cashback wins. Analyze your last 3 months of spending before choosing.
Calculate the Break-Even Point
A ₱2,500 annual fee requires ₱250,000 in annual spend at 1% cashback just to break even. Lower-spend users should prioritize zero or low annual fee cards.
Travel Benefits Are Worth It If You Fly
Lounge access and travel insurance add ₱5,000–₱15,000 in value per year for frequent flyers. If you fly 4+ times a year, Security Bank Platinum or EastWest Platinum pay for themselves.
Never Carry a Balance
All Philippine credit cards charge 24% APR on unpaid balances. A 1–5% reward rate cannot offset 24% interest. Only use a credit card if you pay the full statement balance every month.
Check Foreign Transaction Fees
If you shop online from international sites or travel abroad, foreign transaction fees (1.5–3%) matter. EastWest Platinum has the lowest at 1.5%; most others charge 2–2.5%.
Start with Entry-Level, Upgrade Later
Build your credit history with PNB Ze-Lo (₱0 annual fee) or BPI Rewards Card first. After 12–18 months of on-time payments, you'll qualify for premium cards with better rewards.
Best Credit Cards Philippines — FAQ
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