Best Credit Cards in the Philippines: Top Picks by Bank and Category (2025)

Choosing the right credit card in the Philippines today is like choosing the right plan for your internet—too many promos, too many options, and plenty of fine print. And yet, having the right card in your wallet can make life easier. You can spread out big purchases, build your credit score, get perks on groceries or travel, and even earn cashback or rewards. But how do you decide which card actually fits your needs?

That’s what this guide is for. We’re diving deep into the best credit cards in the Philippines for 2025, not just by bank or by top picks, but by real-life use cases, fees, features, and Filipino spending habits. Whether you’re a young pro just getting your first card or a seasoned earner looking for perks and miles, we’ve got you covered.

Credit Cards in the PH: The 2025 Landscape

Credit card usage in the Philippines has grown fast. According to the Credit Card Association of the Philippines (CCAP), there were 2.1 million active credit cards in the Philippines as of March 2024. More banks are making their application processes digital, and approvals are faster than ever. This means more Filipinos, from Gen Z to retirees, are now using credit cards for everyday needs.

Banks have also responded by diversifying their card offerings. You’ll now see co-branded cards with e-commerce platforms (like Lazada or Shopee), travel cards with airline tie-ins, and even entry-level cards that are low on fees but high on accessibility.

The thing is, not every card is created equal. And just because a card offers high cashback or rewards doesn’t mean it’s sulit for you. That’s why it’s important to align your card choice with how you actually spend.

Let’s look at the top credit cards that stand out based on category.

Best Cashback Credit Cards

If you’re the type who’s all about sulit purchases, like getting a bit back every time you spend, then cashback cards are for you. These are ideal for budget-conscious Filipinos, families doing regular grocery hauls, or anyone who uses their credit card for bills, gas, and daily essentials. It’s a practical choice that lets you earn money back while spending on the usual stuff.

Best Rewards Credit Cards

Prefer earning points and exchanging them for flights, gadgets, or gift certificates? Rewards cards are great for frequent spenders who love maximizing every swipe. They’re best for those who use their card often, whether for online shopping, dining out, or even business expenses, and want perks in return.

*computed based on the highest earning category

Best Travel Credit Cards

For jetsetters, OFWs, or even weekend warriors planning frequent getaways, travel credit cards offer big advantages. Think air miles, free travel insurance, airport lounge access, and exclusive promos with airlines. If your lifestyle includes regular flights or hotel bookings, this section is for you.

Best NAFFL Credit Cards

Not ready for high-maintenance cards? NAFFL credit cards are perfect for first-timers, students, and practical users who want the convenience of a credit card but without the yearly cost. They’re simple, budget-friendly, and still come with useful perks, ideal if you’re just starting your credit journey or want a backup card that won’t cost a thing long-term.

Who Should Get a Credit Card in 2025?

Let’s answer the common question first: “Kailangan ko ba talaga ng credit card?”

The answer depends. If you’re trying to build a credit history (lalo na kung gusto mong kumuha ng future loans), a credit card is a good place to start, as long as you use it responsibly. If you pay your dues on time and keep your balance low, it can help you qualify for car loans, housing loans, or business loans later on.

Credit cards also offer a level of convenience and protection that debit cards don’t. For example:

• You can dispute fraudulent charges.
• You often get purchase protection or travel insurance.
• Some promos are exclusive to credit card holders (think 0% installment on appliances).

But if you’re the type who easily overspends or struggles with discipline, it’s better to hold off. Credit card debt, lalo na with current interest rates at around 3% per month, can grow fast and spiral out of control.

Common Requirements for Credit Card Applications in the Philippines

Applying for a credit card isn’t as intimidating as it sounds—lalo na ngayon na marami nang banks ang may online application portals. But still, each bank has its own set of requirements. Here’s a general idea of what you’ll need:

For First-Time Applicants:

• Valid Government ID (e.g., passport, driver’s license, UMID)
• Proof of Income: Payslips, Certificate of Employment, or ITR
• Minimum Gross Annual Income: Usually starts at ₱120,000 to ₱300,000, depending on the card
• Proof of Billing: Utility bills under your name or your household’s name
• TIN and/or SSS Number

If You Already Hold Another Credit Card: Banks are generally more lenient if you’re applying with an existing credit card. Most banks will just ask for:

• A copy of your latest credit card billing statement
• Proof of income (sometimes waived or relaxed)
• Valid ID and application form

Having a good repayment history on an existing card boosts your chances significantly. Some even offer fast-track or pre-approved options through email or app invites. Kaya kung may existing card ka na, don’t hesitate to ask your current bank for an upgrade, or shop around for better perks.

Key Features to Consider Before You Apply

Don’t just apply for a card because you saw it in a mall booth or on TikTok. Here’s what you really need to evaluate:

• Annual Fees: Some cards waive these for the first year, some forever. BPI, PNB, and UB are known for low-fee or no-fee cards.
• Interest Rates: Standard rate is around 2-3% monthly. If you plan to revolve your balance, look for lower-interest cards.
• Rewards or Cashback: Do you want points or cash rebates? Each system has pros and cons.
• Spending Categories: Match the card’s perks with where you usually spend—groceries, gas, dining, travel, and online shopping.
• Income Requirements: Most cards require a gross annual income of ₱120,000 to ₱420,000, but some are stricter than others, depending on the card type.
• Digital Access: A good mobile app makes it easier to track expenses and avoid surprises. UnionBank and RCBC lead the pack here.

You should also ask yourself: Am I disciplined enough to pay my bill in full? Kasi kahit gaano ka-generous ang rewards program, it’s not worth it if you’re paying interest every month.

Credit Card Myths: Misconceptions Among Filipinos

“Masama ang credit card, utang lang ’yan.”

Let’s clear that up. A credit card is a tool—it can be harmful if misused, but powerful if used right. If you pay in full each month, you’re not paying interest. You’re basically using the bank’s money for free for 30+ days.

“Sayang lang ang points, wala namang value.”

Rewards can actually save you money if you use them well. For example, Metrobank and RCBC allow you to use points for groceries, airline tickets, or statement credits.

“Hindi ako ma-approve kasi wala akong malaking sweldo.”

There are cards for low-income earners. The key is a clean credit record and proof of stable income, kahit freelance pa ’yan. Some banks also accept utility bills and GCash transactions as part of their screening process.

Tips for First-Time Credit Card Users

1. Start with one card. Don’t apply for 3 cards all at once. Banks frown upon multiple applications in a short time.
2. Set a spending cap. Treat your card like a debit card. Don’t spend what you can’t pay off.
3. Use the mobile app. Most apps let you set notifications, track due dates, and even freeze your card if it gets lost.
4. Monitor fees. Watch for sneaky charges—overlimit fees, late payment charges, and foreign transaction fees.
5. Automate payments. If possible, enroll your card in auto-debit to avoid missing payments.

Conclusion: Picking the Right Card Is Personal

Ultimately, the best credit card for you will depend on your lifestyle, goals, and discipline. If you’re building credit, go for beginner cards with low fees. If you want perks, choose cards that give rewards for what you already spend on. And if you’re after flexibility and control, find one with a strong mobile platform and responsive customer service.

In 2025, Filipino consumers have more options than ever—and that’s a good thing. Just make sure to choose wisely. Kasi sa huli, it’s not about having the flashiest plastic in your wallet, but the one that helps you move forward.

Disclaimer: This guide reflects independent editorial research and recommendations by The Data Code as of Q1 2025. Always verify terms directly with issuing banks.

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