Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until August 31, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Monthly Effective Interest Rate
3 %
2 Offers Available
Win an iPhone 15 Pro Max!
iPhone 15 Pro Max
+ 3 other gift options
Valid until
30 November 2024
Get THIS welcome gift!
₱2,500 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Go 4 Ultra-Portable Bluetooth Speaker
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Redmi Soundbar
Valid until
30 November 2024
Get THIS welcome gift!
Dolce Gusto Genio S Basic
Valid until
30 November 2024
Get THIS welcome gift!
Jisulife Pro1s Handheld Fan
Valid until
30 November 2024
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Things to consider for this product:
check
No annual fee
check
Dining points
check
Free reward points
No annual fees for carded first-time Metrobank cardholders when you apply until December 31, 2024 and meet an annual spend of ₱180,000.
Earn 2x rewards points on dining, department store, and online purchases
Earn one (1) point for every ₱20 spend
Enjoy exclusive credit card features from Metrobank
Ideal for: money-savvy cardholders shopping for essentials
Win an iPhone 15 Pro Max!
Gift Options
iPhone 15 Pro Max ; or
Marshall Acton III; or
Nintendo Switch OLED; or
Samsung Soundbar HW-T420/XP
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: Earn 1 raffle entry when you get approved for a chance to win one of four Raffle Gifts:
Apple iPhone 15 Pro Max 256GB worth ₱84,990
Marshall Acton III worth ₱18,990
Nintendo Switch OLED worth ₱14,990
Samsung Soundbar worth ₱5,669
Disclaimer:
Moneymax Metrobank Level Up Lifestyle Raffle Promo: Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-205696. Series of 2024. See terms and conditions here.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Get THIS welcome gift!
Gift Options
₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan
Follow these simple steps:
Step 1:Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203478. Series of 2024. See terms and conditionshere.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
Metrobank Titanium Mastercard®
Annual Fee
Free
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until August 31, 2024 and meet an annual spend of ₱180,000. After the No Annual Fee promo, annual fee is ₱2,500.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Monthly Effective Interest Rate
3 %
2 Offers Available
Win an iPhone 15 Pro Max!
iPhone 15 Pro Max
+ 3 other gift options
Valid until
30 November 2024
Get THIS welcome gift!
₱2,500 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Go 4 Ultra-Portable Bluetooth Speaker
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Redmi Soundbar
Valid until
30 November 2024
Get THIS welcome gift!
Dolce Gusto Genio S Basic
Valid until
30 November 2024
Get THIS welcome gift!
Jisulife Pro1s Handheld Fan
Valid until
30 November 2024
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Things to consider for this product:
check
No annual fee
check
Dining points
check
Free reward points
No annual fees for carded first-time Metrobank cardholders when you apply until December 31, 2024 and meet an annual spend of ₱180,000.
Earn 2x rewards points on dining, department store, and online purchases
Earn one (1) point for every ₱20 spend
Enjoy exclusive credit card features from Metrobank
Ideal for: money-savvy cardholders shopping for essentials
Win an iPhone 15 Pro Max!
Gift Options
iPhone 15 Pro Max ; or
Marshall Acton III; or
Nintendo Switch OLED; or
Samsung Soundbar HW-T420/XP
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: Earn 1 raffle entry when you get approved for a chance to win one of four Raffle Gifts:
Apple iPhone 15 Pro Max 256GB worth ₱84,990
Marshall Acton III worth ₱18,990
Nintendo Switch OLED worth ₱14,990
Samsung Soundbar worth ₱5,669
Disclaimer:
Moneymax Metrobank Level Up Lifestyle Raffle Promo: Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-205696. Series of 2024. See terms and conditions here.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Get THIS welcome gift!
Gift Options
₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan
Follow these simple steps:
Step 1:Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203478. Series of 2024. See terms and conditionshere.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
UnionBank U Visa Platinum
Annual Fee
Free
info
No annual fees for life!
Min. Annual Income
₱ 180,000
Interest Rate
3 %
Things to consider for this product:
check
No Annual Fee
check
Nice card face
check
Good for beginners
check
Insurance payment rebate
No annual fees for life!
Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
No overlimit and late fees
Ideal for: cardholders who prefer cards with less fees
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
-Government-issued ID
- Proof of income: payslip, BIR Form 2316, Original Certificate of Employment, Latest 1700 or 1701 ITR with bank or BIR stamp
Foreign Nationals:
- ACR or valid passport
- Proof of local residency: ICR, ACR-I-Card with Permanent Visa status or more than 1 year validity, AEP with more than 1 year validity, SRIV, or SRRV
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline requirement: Not required
UnionBank Rewards Credit Card
Annual Fee
Free
info
No annual fees for carded first-time UnionBank cardholders when you apply until June 30, 2024 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.
Min. Annual Income
₱ 180,000
info
₱15,000 Monthly
Monthly Effective Interest Rate
3 %
Offer Available
Get THIS welcome gift!
No annual fees for life!
Valid until
31 December 2024
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Things to consider for this product:
check
No annual fee
check
Free reward points
check
Accelerated rewards
Earn 3x non-expiring reward points when you shop and dine here and abroad.
Earn 1 non-expiring reward point for every ₱30 spend.
Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
Ideal for: cardholders who frequently shop and dine locally and overseas.
Get THIS welcome gift!
Gift Options
No annual fees for life!
Complete your UnionBank credit card application from Moneymax to the UnionBank website, get approved in as fast as 5 minutes, and spend at least ₱20,000 within 60 days of approval to receive the following:
No annual fees for life!
Promo is for new UnionBank customers only with no UnionBank-acquired credit cards. Kindly ensure to read the full terms and understand the promo mechanics before you apply. Please refrain from applying through other UnionBank channels while your application with Moneymax is active to remain eligible for the promo.
Disclaimer:
Moneymax Welcome Gift Promo: Promo runs until December 31, 2024. Per DTI Fair Trade Permit No. FTEB-188324. Series of 2024. Full terms and conditions here.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline Required: Not required
HSBC Red Mastercard
Annual Fee
₱ 2,500 per year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3 %
Offer Available
Get THIS welcome gift!
₱3,000 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Flip 6
Valid until
30 November 2024
Get THIS welcome gift!
Nescafe Dolce Gusto Piccolo XS
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Smart Band 9
Valid until
30 November 2024
Get THIS welcome gift!
JBL Tune 520BT
Valid until
30 November 2024
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Things to consider for this product:
check
Accelerated rewards
check
Shopping points
check
Dining points
remove
Credit card required
4x reward points on online, shopping, dining, and overseas spend
Earn 1 reward point for every ₱20 spend
6% rebate on your first Caltex fuel spend; 3% rebate year-round
Ideal for: online shopping and dining worldwide
Get THIS welcome gift!
Gift Options
₱3,000 eGift; or
JBL Flip 6; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Smart Band 9; or
JBL Tune 520BT
Apply for select HSBC Credit Cards and get your chosen WELCOME GIFT when you get approved.Hurry, promo runs for a LIMITED time only! Full terms and conditionshere.
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203428. Series of 2024.
Disclaimer:Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 6 months. Any credit line products from other financial institutions will not be considered.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 18 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 200000
Landline Required: Not required
HSBC Live+ Credit Card
Annual Fee
₱ 5,000 per year
info
Free on the first year
Min. Annual Income
₱ 200,000
Monthly Effective Interest Rate
3 %
Offer Available
Get THIS welcome gift!
₱3,000 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Flip 6
Valid until
30 November 2024
Get THIS welcome gift!
Nescafe Dolce Gusto Piccolo XS
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Smart Band 9
Valid until
30 November 2024
Get THIS welcome gift!
JBL Tune 520BT
Valid until
30 November 2024
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Things to consider for this product:
check
Generous cashback on all dining spend
check
Exciting cashback rates for fun
check
Exclusive deals in Southeast Asian countries
remove
Credit card required
Up to 8% cashback on all dining spend
Up to 5% cashback on shopping spend
Up to 5% cashback on entertainment spend
Ideal for: outgoing individuals craving for fun experiences
Get THIS welcome gift!
Gift Options
₱3,000 eGift; or
JBL Flip 6; or
Nescafe Dolce Gusto Piccolo XS; or
Xiaomi Smart Band 9; or
JBL Tune 520BT
Apply for select HSBC Credit Cards and get your chosen WELCOME GIFT when you get approved.Hurry, promo runs for a LIMITED time only! Full terms and conditionshere.
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203428. Series of 2024.
Disclaimer:Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 6 months. Any credit line products from other financial institutions will not be considered.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 18 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 200000
Landline Required: Not required
Metrobank World Mastercard®
Annual Fee
Free
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱800,000. After the No Annual Fee promo, annual fee is ₱6,000.
Min. Annual Income
₱ 1,500,000
info
₱125,000 Monthly
Monthly Effective Interest Rate
3 %
2 Offers Available
Win an iPhone 15 Pro Max!
iPhone 15 Pro Max
+ 3 other gift options
Valid until
30 November 2024
Get THIS welcome gift!
₱2,500 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Go 4 Ultra-Portable Bluetooth Speaker
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Redmi Soundbar
Valid until
30 November 2024
Get THIS welcome gift!
Dolce Gusto Genio S Basic
Valid until
30 November 2024
Get THIS welcome gift!
Jisulife Pro1s Handheld Fan
Valid until
30 November 2024
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Things to consider for this product:
check
No Annual Fee
check
Free reward points
check
Fine dining
remove
High income requirement
No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱800,000.
Get 2x reward points for international purchases
Earn 1 reward point for every ₱20 spend
Enjoy up to 50% off on luxury dining deals
Ideal for: frequent travelers and premium perk seekers
Win an iPhone 15 Pro Max!
Gift Options
iPhone 15 Pro Max ; or
Marshall Acton III; or
Nintendo Switch OLED; or
Samsung Soundbar HW-T420/XP
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: Earn 1 raffle entry when you get approved for a chance to win one of four Raffle Gifts:
Apple iPhone 15 Pro Max 256GB worth ₱84,990
Marshall Acton III worth ₱18,990
Nintendo Switch OLED worth ₱14,990
Samsung Soundbar worth ₱5,669
Disclaimer:
Moneymax Metrobank Level Up Lifestyle Raffle Promo: Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-205696. Series of 2024. See terms and conditions here.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Get THIS welcome gift!
Gift Options
₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan
Follow these simple steps:
Step 1:Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203478. Series of 2024. See terms and conditionshere.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: a copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should include date of birth and visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 1500000
Landline Required: Not required
Metrobank Platinum Mastercard®
Annual Fee
Free
info
Free on the first year. No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱400,000. After the No Annual Fee promo, annual fee is ₱5,000.
Min. Annual Income
₱ 700,000
info
₱58,333 Monthly
Monthly Effective Interest Rate
3 %
2 Offers Available
Win an iPhone 15 Pro Max!
iPhone 15 Pro Max
+ 3 other gift options
Valid until
30 November 2024
Get THIS welcome gift!
₱2,500 eGift
Valid until
30 November 2024
Get THIS welcome gift!
JBL Go 4 Ultra-Portable Bluetooth Speaker
Valid until
30 November 2024
Get THIS welcome gift!
Xiaomi Redmi Soundbar
Valid until
30 November 2024
Get THIS welcome gift!
Dolce Gusto Genio S Basic
Valid until
30 November 2024
Get THIS welcome gift!
Jisulife Pro1s Handheld Fan
Valid until
30 November 2024
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Things to consider for this product:
check
No Annual Fee
check
Free reward points
check
Dining discount
remove
High income requirement
No annual fees for carded first-time Metrobank cardholders when you apply until October 31, 2024 and meet an annual spend of ₱400,000.
Earn 1 reward point for every ₱20 spend
Up to 50% off on premium dining offers
eCommerce purchase protection up to $200
No annual fee for your first supplementary card
Ideal for: premium dining perk seekers
Win an iPhone 15 Pro Max!
Gift Options
iPhone 15 Pro Max ; or
Marshall Acton III; or
Nintendo Switch OLED; or
Samsung Soundbar HW-T420/XP
Follow these simple steps:
Step 1: Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Step 4: Earn 1 raffle entry when you get approved for a chance to win one of four Raffle Gifts:
Apple iPhone 15 Pro Max 256GB worth ₱84,990
Marshall Acton III worth ₱18,990
Nintendo Switch OLED worth ₱14,990
Samsung Soundbar worth ₱5,669
Disclaimer:
Moneymax Metrobank Level Up Lifestyle Raffle Promo: Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-205696. Series of 2024. See terms and conditions here.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Get THIS welcome gift!
Gift Options
₱2,500 eGift; or
JBL Go 4 Ultra-Portable Bluetooth Speaker; or
Xiaomi Redmi Soundbar; or
Dolce Gusto Genio S Basic; or
Jisulife Pro1s Handheld Fan
Follow these simple steps:
Step 1:Select your welcome gift and complete this form to be redirected to Metrobank.
Step 2:Complete the Metrobank application form.
Step 3:Once application is approved by Metrobank, you get your chosen welcome gift from Moneymax!
Disclaimer:
Moneymax Welcome Gift Promo:Promo runs until November 30, 2024. Per DTI Fair Trade Permit No. FTEB-203478. Series of 2024. See terms and conditionshere.
Please refrain from applying through other Metrobank channels while your application with Moneymax is active to remain eligible for the promo.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip.
Self-Employed
Government-issued ID: Should contain your date of birth and a visible signature.
Proof of income: For applicants without credit cards from other banks: copy of the latest ITR duly stamped as received by the BIR or AFS with BIR or bank stamp.
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 700000
Landline Required: Not required
UnionBank Miles+ Visa Signature
Annual Fee
₱ 5,000 per year
Min. Annual Income
₱ 360,000
Interest Rate
3 %
Offer Available
Get THIS welcome gift!
30,000 Miles
Valid until
31 December 2024
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Things to consider for this product:
check
No expiry miles
check
Travel insurance
check
Airport lounge
Earn 1 mile for every ₱30 spend
Redeem cash credits using your non-expiring miles or convert it to air miles
Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
Get a 30-day Purchase Protection coverage for free
Ideal for: frequent international travelers
Get THIS welcome gift!
Gift Options
30,000 Miles
Complete your UnionBank credit card application from Moneymax to the UnionBank website, get approved in as fast as 5 minutes, and spend at least ₱40,000 within 60 days of approval to receive the following:
30,000 Miles
Promo is for new UnionBank customers only with no UnionBank-acquired credit cards. Kindly ensure to read the full terms and understand the promo mechanics before you apply. Please refrain from applying through other UnionBank channels while your application with Moneymax is active to remain eligible for the promo.
Disclaimer:
Moneymax Welcome Gift Promo: Promo runs until December 31, 2024. Per DTI Fair Trade Permit No. FTEB-188324. Series of 2024. Full terms and conditions here.
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee:
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-employed:
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 360000
Landline requirement: Not required
UnionBank Lazada Credit Card
Annual Fee
₱ 3,000 per year
Min. Annual Income
₱ 360,000
Monthly Effective Interest Rate
3 %
Things to consider for this product:
check
Online shopping points
check
Online shoppping discount
check
Exclusive discounts
Earn 6x Lazada Credits for every ₱200 spent on the app.
Earn 1 Lazada Credit for purchases made to other merchants.
Enjoy exclusive discounts from select Lazada merchants.
Ideal for: online shoppers and frequent Lazada users.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 360000
Landline Required: Not required
UnionBank Platinum Mastercard
Annual Fee
₱ 3,000 per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3 %
Things to consider for this product:
check
No-brainer rebate
check
Overseas rebate
check
Airport lounge
remove
High income requirement
Earn 1% cash back on all spending categories.
Free lounge access at NAIA Terminals 1 and 3.
Accepted at over 30 million establishments worldwide.
Ideal for: cardholders with huge monthly expenses.
Terms and Conditions :
Step to Apply :
Cash Advance Monthly Effective Interest Rate: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 600000
Landline Required: Not required
UnionBank Cash Back Visa Platinum
Annual Fee
₱ 4,500 per year
Min. Annual Income
₱ 180,000
info
₱250,000 for non-carded applicants
Interest Rate
3 %
Offer Available
Get THIS welcome gift!
₱5,000 cash credits
Valid until
31 December 2024
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Things to consider for this product:
check
Supermarket rebate
check
Exclusive discounts
check
Good for beginners
check
Rebate cap applied
Earn up to 6% cash back on groceries
Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
Get up to 0.20% cash back on all other purchases
Ideal for: individuals who want to save on their essential spend
Get THIS welcome gift!
Gift Options
₱5,000 cash credits
Complete your UnionBank credit card application from Moneymax to the UnionBank website, get approved in as fast as 5 minutes, and spend at least ₱20,000 within 60 days of approval to receive the following:
₱5,000 cash credits
Promo is for new UnionBank customers only with no UnionBank-acquired credit cards. Kindly ensure to read the full terms and understand the promo mechanics before you apply. Please refrain from applying through other UnionBank channels while your application with Moneymax is active to remain eligible for the promo.
Disclaimer:
Moneymax Welcome Gift Promo: Promo runs until December 31, 2024. Per DTI Fair Trade Permit No. FTEB-188324. Series of 2024. Full terms and conditions here.
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Any government-issued & signed identification document
Photocopy of the latest BIR Form 2316 or W2
Original Certificate of Employment and Income (COEI)
1 month original pay slip
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline requirement: Not required
UnionBank Cebu Pacific Gold
Annual Fee
₱ 3,000 per year
Min. Annual Income
₱ 360,000
Monthly Effective Interest Rate
3 %
Things to consider for this product:
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Travel points
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Nice card face
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Exclusive discounts
Earn 1 Go reward point for every ₱200 spend.
Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
Exclusive access to Cebu Pacific seat sales.
Free life insurance coverage of up to ₱400,000.
Ideal for: cardholders who frequently fly with Cebu Pacific.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 360000
Landline Required: Not required
UnionBank Cebu Pacific Platinum
Annual Fee
₱ 5,000 per year
Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3 %
Things to consider for this product:
check
Travel points
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Travel insurance
check
Airport lounge
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High income requirement
Earn one (1) Go reward point for every ₱200 spend.
Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
Free travel insurance and other premium travel perks.
Early alerts to upcoming Cebu Pacific seat sales.
Ideal for: frequent leisure or business travelers.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Self-Employed
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 600000
Landline Required: Not required
UnionBank Go Rewards Gold Visa
Annual Fee
₱ 3,000 per year
Min. Annual Income
₱ 180,000
info
₱180,000 for carded individuals; ₱250,000 for non-carded individuals
Interest Rate
3 %
Things to consider for this product:
check
Free reward points
check
Exclusive discounts
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Shopping points
remove
Good for beginners
Earn 1 point for every ₱200 spend
1 Go Reward point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
Automatically qualify for a Go Rewards Black Membership to get an Exclusive Black Membership Lane in The Marketplace and Shopwise
Enjoy exclusive offers and deals from Go Rewards partners
Ideal for: shoppers who frequent Robinsons Malls and Robinsons Retail stores
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Proof of income: Signed Certificate of Employment, BIR 2316, latest 3 months payslips or ITR, 3 months copy of your Bank Statement of Account from another bank, proof of pension
Eligibility :
Minimum Age: 18 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 180000
Landline requirement: Not required
UnionBank Go Rewards Platinum Visa
Annual Fee
₱ 5,000 per year
Min. Annual Income
₱ 180,000
info
₱180,000 for carded individuals; ₱250,000 for non-carded individuals
Interest Rate
3 %
Things to consider for this product:
check
Free reward points
check
Airport lounge
check
Travel insurance
remove
Shopping points
Earn 1 Go Rewards point for every ₱100 spend in Robinsons Retail stores such as Robinsons Department Store, Robinsons Supermarket, Cebu Pacific, Daiso, and Caltex
Earn 1 Go Rewards point for every ₱200 on all other spend
1 Go Rewards point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
Automatically qualify for a Go Rewards Black Membership to get free delivery at Savers Appliances for the first 5 kilometers
Ideal for: individuals who love to shop at Robinsons Retail Stores and love VIP treatment
Terms and Conditions :
Step to Apply :
Credit card requirement: Not required
Required Documents :
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Proof of income: Signed Certificate of Employment, BIR 2316, latest 3 months payslips or ITR, 3 months copy of your Bank Statement of Account from another bank, proof of pension
A credit card is a small plastic card that allows you to spend money via credit to pay for goods or services at local and international stores. It is one of the more convenient, more flexible, and safer payment alternatives to cash and checks. But how exactly can this piece of plastic give you credit?
The process begins when you swipe or tap your credit card on the payment terminal. This will transmit your credit card information to the store’s acquiring bank for validation. If the store’s acquiring bank deems your credit card valid, it will approve your purchase and add it to your overall credit.
The payment terminal will print the receipt containing the transaction data. Usually, you’ll be asked to sign the receipt but some cards don’t require a signature if your purchases are below ₱2,000. Signing on the receipt means you agree to pay the amount you owe to your issuing bank.
Your issuing bank will consolidate the credit card charges you made into a statement and send it to you every month. You can pay the minimum amount due, but it is better to pay your credit in full before the due date to avoid extra fees.
The same process applies when you provide your credit card credentials to online shops. In a nutshell, using a credit card means paying with the money you don’t yet have. It’s the concept of “buy now, pay later,” if you will.
What are the different types of credit cards?
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There are many types of credit cards in the Philippines, each with its features and perks. Here are just some of the most common types out there so you can start to compare credit cards.
No Annual Fee Credit Cards are perfect for first-time credit cardholders because these cards don’t require annual fees to use. Apply for a credit card with no annual fees if you don't want the additional hassle that comes with owning one.
Rewards Credit Cards offer incentives in the form of exciting rewards. These cards earn you rewards points for every purchase you make with your credit card.
Cash Back Credit Cards offer rebates as an incentive for using your credit card. You can then use your rebates to save money or pay off your credit card balance. Out of all the credit card types, cash back credit cards are the most suitable for money-savvy shoppers.
Travel Credit Cards offer exclusive travel perks aside from earning you air miles. The usual perks include free travel insurance, airport lounge access, and others.
What are the general qualifications to get a credit card?
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At least 21 years old
Filipino citizen or foreigner living in the Philippines
Home, office, or business location near a branch of the issuing bank
Active landline number or mobile phone number
At least 1 year of regular employment status or at least 2 years of profitable business for self-employed individuals
Minimum gross annual income ranging from ₱120,000 to ₱1 million
What are the credit card application requirements?
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Before you can start your credit card comparison in the Philippines, make sure you have your documents ready. The exact requirements may vary depending on the credit card provider, but here are the most common credit card requirements:
Completed and signed credit card application form
Valid ID with credit card applicant’s photo and signature
Employed applicants:
Latest BIR form 2316
Certificate of Employment
Latest payslips of up to 3 months
Self-employed applicants
Latest BIR form 1701
Latest financial statements
Foreign residents:
Alien Certificate of Registration or
Immigrant Certificate of Registration
Work Permits
How do I apply for a credit card in the Philippines?
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When you’re applying for a credit card for beginners, expect a straightforward process. You can apply in person at a branch of the issuing bank. For your convenience, you can also apply online from your chosen credit card provider’s website.
Pick the best credit card for your needs, lifestyle, and budget.
Go to the nearest branch of your chosen credit card provider.
Fill out and sign an application form.
Submit photocopies of the required documents. The bank staff may ask you to present the original copies for verification.
Processing of a credit card application, which includes credit history checks and verifications, can take two to three weeks. Feel free to contact your bank for a follow-up or check your credit card application status online. Upon approval, your new credit card will be delivered to your home or work address.
How do I get approved for a credit card?
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Before you can start to compare the credit card you want to others, know that you can increase your chances of approval by keeping these helpful tips in mind:
Settle Outstanding Debts
When you apply for a credit card, you're essentially borrowing money, which means it’s best to eliminate any outstanding debts under your name. Make a good impression on credit card providers by proving you’re a responsible applicant who can maintain a good credit score.
Prove that You Have a Stable Source of Income
You may have the impression that having a big, fat paycheck warrants easy approval of a credit card application. It’s true to some extent. But what banks check is the stability of your income stream.
You can prove that you have a stable source of income by presenting these essential documents: Certificate of Employment for employed applicants and business registration and ITR for self-employed applicants.
Open a Savings Account
This is ideal for anyone without a stable source of income, particularly freelancers and students. Open a savings account with the bank where you’re planning to apply for a credit card so you can easily get approved for a secured credit card.
Review the Requirements
Before you apply for a credit card online, make sure you’re eligible for it. Review all requirements and be ready for any additional documents the bank might ask from you. Go above and beyond and prepare the documents you think can help you get approved.
Choose a Cheaper Credit Card
If you apply for a cheaper credit card, there’s a big chance the requirements are a lot easier as well. Aim for a credit card that your budget can maintain. If possible, compare credit cards with lower interest rates or waived annual fees.
Learn How Not to Get Rejected
You can also increase your chances of getting approved by knowing the common reasons for rejection and trying your best to avoid them. Learn from the mistakes of others and adjust your strategy accordingly.
What is the best use for a credit card?
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Apart from the printed monthly statement of account, you can check your credit card bill via online banking, mobile banking, and e-mail. As for credit card payment, you can pay your credit card balance over the counter, online, or via payment centers like Bayad Center, Cebuana Lhuillier, and SM Bills Payment.
What happens if I don't pay my credit card bill?
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Many things could happen if you don't pay your credit card bill. First, you can easily build up credit card debt. When you skip a payment, your unpaid balance will go over to the next billing cycle, which will then include a finance charge and a late payment fee. This can also lead to a bad credit score, which will jeopardize your chances of getting a new credit card. And more importantly, you’ll end up losing your credit card perks.
How do banks determine my credit card limit?
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Banks conduct credit evaluations when deciding an applicant's credit limit. To accurately determine your creditworthiness, banks consider a variety of factors such as your income, credit history, and debt-to-income ratio.
What should I do after receiving my credit card?
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Sign the back of your card. This is for your security and convenience.
Activate your credit card. Your new card comes with instructions to activate your credit card. It usually involves calling the bank’s hotline or sending an SMS.
Link your credit card to your banking app. Monitor your credit card transactions and view your monthly billing statements on the go with your preferred banking app. You can also schedule your credit card payments online to avoid missing a due date.
Read the terms and conditions. Make sure to read and understand the fine print before using your new card. Take note of the credit limit, rewards, and other benefits, as well as the annual fee, finance charge, and other credit card fees.
Store it in a safe place. Put your card in your wallet if you’ll use it often. You can also place it in a secure drawer at home if you’ll only use it for emergencies.
My credit card application was denied. What should I do?
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Just because you were denied a credit card doesn't mean you can't be approved the next time. To increase your chances of approval, wait at least three months to re-apply. This is to avoid hurting your credit score and also give you enough time to compare credit cards until you find the right one for you.
Can I make only the minimum payment on my credit card?
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Making only the minimum payment is not the best way to pay the bills! If you just make the minimum payment on the credit card, the bank would charge you compound interest, which means you might owe more and more money and carry long-term debt. Cardholders are recommended to assess their repayment ability before using their credit cards, and pay off all outstanding debt as soon as possible.
How many credit cards should I own?
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In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.
Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.
How to prevent credit card fraud?
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To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.
What credit card fees should I know about?
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Credit cards come with corresponding fees, but you can avoid some of them when you use your credit card responsibly. Here are the most common fees to remember before you apply for a credit card online:
Annual Fee - the yearly charge for using your credit card
Finance Charge - the interest rate added to your credit card expenses
Late Payment Fee - additional charge for late credit card payments
Over the Limit Fee - the payment when you max out your credit card
Cash Advance Fee - additional charge for taking out a cash advance