Now that more Filipinos are turning to cashless payments, a credit card is no longer just a status symbol but a necessity.
Credit cards make payments more convenient, safe, and budget-friendly. They can also help you manage your finances, as long as you get the right one and use it responsibly.
If getting your finances in order is one of your goals, you must find the best credit card that suits your needs. Here's a comprehensive list of the best credit cards in the Philippines in 2025 for different spending categories.
There's no single credit card that works best for everyone. Your choice would depend on your budget, needs, lifestyle, spending habits, priorities, and preferences.
Moreover, each credit card is made for a specific type of cardholder.
Consider these important factors so you can easily trim down your choices and decide on the best credit card in the Philippines to get.
You should first check the eligibility and documentary requirements for the card you're considering. For example, if you're earning below the minimum income requirement of a particular card you like, chances are the bank won't approve your application.
Pay close attention to the annual fee, late payment fee, and overlimit fee. If you plan to use a credit card abroad, you must also look at the foreign currency transaction fee.
These credit card fees may seem small but they add up over time. To save money, compare the fees and charges of different credit cards and choose the one that offers the best features at the lowest fees. Ideally, get a no annual fee for life credit card in the Philippines—it can save you up to ₱6,000 a year.
Look for credit cards that offer the most attractive deals, such as rewards, rebates, discounts, and freebies for the categories you spend on the most, like dining, groceries, fuel, online purchases, and more gadgets.
Find out how much and how fast you can earn such perks. This way, you can fully enjoy the benefits of a credit card. Because aside from payment convenience, that's what credit cards are for, right?
Here's a quick look at some of the best credit cards in the Philippines:
For more details and credit card options, keep reading!
Looking for a credit card with a low income requirement, a low annual fee, and flexible installment plans? The BPI Rewards Card is the sensible choice for beginners.
It’s also the best credit card in the Philippines this 2025 for newbies who want to earn rewards. For every ₱35 you spend, you earn 1 BPI point. You can redeem those points for air miles, gift vouchers, and shopping credits.
With a low monthly fee of ₱110, the BPI Edge Card is one of the best credit cards for beginners.
Earn 1 BPI Point for every ₱50 spend. You also have several installment options at your disposal: Real 0% installment, Buy Now Pay Later, and Bonus Madness Limit.
For a first credit card, you want one with a low income requirement and annual fee— but with excellent perks and benefits as well. You can get all that with the PNB Essentials Mastercard, which lets you earn rewards points. If you go shopping abroad, you also get billed in peso.
Moreover, all supplementary cards have no annual fees for life.
All AUB credit cards' annual fees are waived for life. Although the AUB Classic Mastercard has a relatively higher income requirement than most beginner credit cards, it's still one of the most flexible and beginner-friendly options out there in terms of monthly payment frequency, due date, and minimum amount due.
Read more: Do More with Your Card: Top AUB Credit Card Promos This 2023
If you're looking for the best credit card to earn rewards, the UnionBank Rewards Credit Card is a foolproof option.
Love traveling, shopping, and exploring new cuisines? You can earn 3x non-expiring reward points when you shop and dine here and abroad. Plus, you earn 1 non-expiring reward point for every other spend.
Use your accumulated points to redeem merchandise, cash credits, points transfers, and other rewards.
Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More
If you frequently shop online, the Metrobank Titanium Mastercard® will make the experience not just convenient but also secure. The card comes with e-commerce protection, which provides insurance coverage for your items—including international purchases—in case they get lost or damaged.
The Metrobank Titanium Mastercard® is the best credit card in the Philippines for those who usually pay for big-ticket purchases, as it comes with 0% interest installment plans.
The HSBC Red Mastercard is the best credit card in the Philippines for frequent shoppers. It lets you accumulate points fast. Use them to redeem gift certificates, air miles, and items.
Check out this HSBC Red Mastercard review for more details about this card.
Read more: Steals and Deals: Best HSBC Credit Card Promos This 2023
With rewards points that don't expire, worldwide acceptance, an exciting rewards catalog, and more exclusive perks, the Security Bank Gold Mastercard is the perfect companion for all avid shoppers out there.
If you're a frequent shopper both here and abroad, get the BPI Platinum Rewards Card. Maximize its generous rewards program and enjoy 0% interest installment for up to six months at partner airlines all year round. This card also lets you convert your points into air miles.
Enjoy flexibility in spending and collect points that you can use to redeem your desired rewards. Avail of exclusive perks whenever you travel, including free travel insurance and access to airport lounges.
Use your RCBC Flex Visa to enjoy free purchase protection insurance when ordering items from abroad. This benefit covers the loss or accidental damage of the items bought overseas.
One of best credit cards in the Philippines for budget-savvy individuals is the UnionBank Cash Back Visa Platinum.
Use it during grocery runs to earn up to 6% cashback on supermarket spend. Pay your Meralco bills via the UnionBank app to earn 2% cashback. You also earn 0.20% cashback on all other spend.
Unlike most cashback credit cards in the Philippines, UnionBank offers a fixed rebate rate of 1% regardless of the spending category. Another unique feature of this credit card is that there's no limit to how much rebate you can earn in a month or year. Plus, cashback earned doesn't expire, so you can redeem it anytime.
You’ll also get free ₱5,000 cashback when you use your credit card within 60 days after approval. It applies to purchases worth ₱40,000 within the said duration.
Security Bank offers a five-tiered rebate system on its cashback credit card. Earn cashback on five essential expenses—groceries, gas, utility bills, dining, and shopping—as long as they're transactions made in the Philippines.
The rebate rates apply no matter how much you spend. Your rebate also gets immediately credited to your credit card balance.
This BPI cashback card is one of the best credit cards in the Philippines for shopping and spending on groceries, medicines, and utilities. It also lets you enjoy 0% interest installment plans for big-ticket purchases.
Is Cebu Pacific your go-to airline? You might as well get the UnionBank Cebu Pacific Platinum credit card. Use it to earn 1 Go Rewards Point for every ₱100 spend at Cebu Pacific and get first dibs on seat sales!
Plus, you get travel insurance and lounge access at Marbaha or PAGSS.
Frequent jetsetters can fully maximize Metrobank World Mastercard®’s generous rewards program. Earn 1 rewards point for every ₱20 spend and double the points for every ₱20 spend abroad. Plus, every ₱17 foreign currency spend earns you 1 mile, so you can quickly rack them up for your next trip!
Earn points quickly with the Security Bank Platinum Mastercard with 2 rewards points for every ₱20 spend. Convert these points into air miles and other exclusive rewards.
The Security Bank Platinum Mastercard is perfect for those who shop a lot abroad. Save on your purchases with its Mastercard Travel Rewards feature, which entitles you to automatic cashback deals when you shop at participating shops abroad.
Earn rewards fast with the BPI Signature Card at 2 BPI Points per ₱20 spend.
Use this premium BPI credit card to enjoy travel insurance, complimentary access to airport lounges, luxurious concierge services, and low forex conversion rates of just 1.85%—perfect for when you shop for pasalubong abroad.
Powered by RCBC, the AirAsia Credit Card allows you to earn points from local and international purchases quickly. Redeem free AirAsia flights or vouchers from Lazada, SM Gift Pass, Grab, and more with your accumulated points. It also has perks to make your pre-departure and in-flight experiences more convenient.
The RCBC Visa Platinum is the best credit card in the Philippines for travelers who want to earn miles fast. You can earn your preferred air miles using your card across different spending categories.
The RCBC Visa Platinum comes with other travel-related benefits, such as travel insurance and Visa concierge service. Also, access the PAGSS Lounge for free at NAIA Terminals 1 and 3.
For people with an ever-growing travel bucket list, the EastWest Singapore Airlines KrisFlyer Platinum Mastercard is an excellent choice. Every ₱45 you spend earns up to 3 KrisFlyer miles.
For peaceful and comfortable travel, avail of access to airport lounges in over 1,300 airports worldwide with your free Priority Pass™ membership. When you shop abroad, enjoy a low foreign currency conversion fee of 1.70%.
Read more: Avail of These EastWest Credit Card Promos Before They’re Gone
Enjoy 50% off dining offers at participating merchants with the Metrobank Platinum Mastercard®. This card also earns 1 rewards point for every ₱20 spend.
Getting your loved one a supplementary card? You’re in for a treat because your first supplementary card’s annual fees are waived forever.
HSBC offers a high cashback rate of 5% on dining transactions with its Gold Visa Cash Back card. It also earns rebates when you gas up at Caltex. And with its installment plan, you can buy gadgets, furniture, and appliances without wrecking your budget.
Love discovering new restaurants? Use a BPI Amore Platinum Cashback Card to earn as much as 4% cashback on restaurants and online food deliveries—whether you're dining locally or internationally!
This premium cashback card also comes with Ayala Mall perks. These include complimentary parking tickets (as a welcome gift), access to family and customer lounges, and a 5% discount on movie tickets.
The AUB Gold Mastercard entitles you to 0% interest on new purchases. You also get to choose your payment due date, giving you more control over your monthly budget. Lastly, its membership fee is waived for life.
Learn more about the AUB Gold Mastercard in this review.
The Gold Mastercard allows you to convert your straight purchases to installments for up to 36 months. Exchange the non-expiring points you earn from purchases for cash rebates, air miles, shopping vouchers, and cash credit.
The RCBC Visa Infinite Card offers a rewarding spending experience. It’s perfect for cardholders who always pay in installments since this card has an unli-installment feature.
Get peace of mind whenever you shop online with this card’s e-Commerce Purchase Protection. With this feature, your online purchases with your RCBC Visa Infinite card are covered in case of damage, loss, and non-delivery.[1]
Read more: RCBC Credit Card Promos: 15 Best Deals in 2023
The first e-commerce credit card in the Philippines, the UnionBank Lazada Credit Card provides a secure payment option for online purchases.
Aside from a physical card for face-to-face, point-of-sale transactions, you also get a virtual card (which you can access through the UnionBank Online app) with a different card number for online transactions.
This credit card for online shopping offers generous, exclusive shopping benefits to loyal Lazada customers. Read more about it in our Unionbank Lazada Credit Card review.
If you love to shop online, the BPI e-Credit Card is a must-have. It's a free companion card to your BPI credit card designed for online use and added security.
With its reasonable annual fees and income requirement, the China Bank Prime Mastercard is another great option for online shopping credit cards. It has a companion virtual card that you can use solely for online shopping. You can assign a sub-limit for a secure and more controlled shopping experience.
Once you reach the required minimum accumulated spend, you're also entitled to a complimentary China Bank-SMAC membership.
Read more: Don’t Miss These 12 Exclusive China Bank Credit Card Promos This 2023
The Petron BPI Card is the practical motorist's choice. Earn a 3% rebate on fuel, get a free ₱200 fuel voucher if you're a first-time cardholder, and convert your credit limit to cash in case of emergencies. You can also use this co-branded BPI credit card to avail of 0% interest installment plans.
If you own a Toyota, get the Metrobank Toyota Mastercard®, which you can use to earn 2x rewards points and enjoy a 10% discount on labor, parts, and accessories at Toyota dealerships.
Do you drive to work every day? Make the most of the money you spend on fuel with the RCBC Flex Gold Visa. Choose gas as one of your preferred categories to earn 2x rewards points per spend.
You can also choose among grocery, travel, household appliances, or department stores as your other preferred categories for the double points.
This list of the best credit cards in the Philippines is meant only to guide you through making that all-important decision. Your final choice will boil down to the credit card features and benefits that are most important to you.
As much as possible, research your options and their features before choosing a credit card. Why do you have to compare credit cards? It's much like shopping online when you compare prices and features to find the best deal, according to Munmun Nath, former Moneymax Co-General Manager.
"You should compare and see where you can get the best deal. This idea applies to financial products even more because, unlike clothes or gadgets, the number of times we might be applying for a financial product, like a credit card, can be much less. It's important to do all our research to ensure that we are applying for something that's right for us," Munmun said.
Still can't make up your mind about the best credit card in the Philippines? Confused about which credit card to get?
Use the Moneymax credit card comparison tool for free to receive recommendations based on your financial capacity. Click the banner to get started:
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