Credit cards have long been essential financial tools, from building credit, earning rewards, or enjoying perks like 0% installment plans. One of the most attractive features for many Filipinos is the No Annual Fee For Life (NAFFL) offers. These cards save you from recurring yearly costs, meaning you can keep the card without paying annual fees as long as you meet specific requirements or permanently if the offer is NAFFL.
This article lists the best NAFFL cards and current promos in the Philippines, with key features, spend requirements, and tip sections that you can update as new bank promotions emerge.
What Does No Annual Fee For Life (NAFFL) Mean?
No Annual Fee For Life (NAFFL) means that the credit card’s annual membership fee is waived for as long as you hold the card, often conditioned on meeting a minimum spend within a set period after approval (e.g., 60 days). Some promos also include welcome gifts when you meet spending targets. NAFFL ultimately reduces your cost of ownership compared to cards with annual or renewal fees.
NAFFL Credit Card Promos
1. BPI
| Eligible Card | Spend Requirement | Application Period |
|---|---|---|
| BPI Rewards | ₱30,000 | Oct 20, 2025 – Jan 31, 2026 |
| BPI Gold Rewards | ₱50,000 | Oct 20, 2025 – Jan 31, 2026 |
To qualify for this promo, the applicant must not have an existing BPI credit card or a cancelled BPI credit card within 12 months.
Only applications approved within 30 days after the promo ended also qualify. Those who received marketing email/message will also receive ₱1000-worth of eGC after meeting the spending requirement.
The spending period and awarding schedule depend on the date of approval.
| Approval Date | Spend Period | Awarding Schedule |
|---|---|---|
| Oct 20, 2025 to Oct 31, 2025 | Oct 15, 2025 to Dec 31, 2025 | Feb 28, 2026 |
| Nov 1, 2025 to Nov 30, 2025 | Nov 1, 2025 to Jan 31, 2026 | Mar 31, 2026 |
| Dec 1, 2025 to Dec 31, 2025 | Dec 1, 2025 to Feb 28, 2026 | Apr 30, 2026 |
| Jan 1, 2026 to Jan 31, 2026 | Jan 1, 2026 to Mar 31, 2026 | May 31, 2026 |
| Feb 1, 2026 to Feb 28, 2026 | Feb 1, 2026 to Apr 30, 2026 | Jun 30, 2026 |
2. RCBC
| Eligible Card | Spend Requirement | Application Period | Spend Period |
|---|---|---|---|
| RCBC Flex Visa, RCBC Mastercard Classic, RCBC JCB Classic, AirAsia Credit Card, RCBC Landmark Anson’s Mastercard | ₱30,000 | Oct 1, 2025 – Dec 31, 2025 | 60 days after card receipt |
| RCBC Flex Gold Visa, RCBC Mastercard Gold, RCBC JCB Gold | ₱50,000 | Oct 1, 2025 – Dec 31, 2025 | 60 days after card receipt |
| RCBC Black Platinum Mastercard, RCBC Diamond Platinum Mastercard, RCBC JCB Platinum, RCBC UnionPay Diamond AirAsia Platinum | ₱60,000 | Oct 1, 2025 – Dec 31, 2025 | 60 days after card receipt |
| RCBC Visa Platinum | ₱100,000 | Oct 1, 2025 – Dec 31, 2025 | 60 days after card receipt |
| RCBC World Mastercard | ₱120,000 | Oct 1, 2025 – Dec 31, 2025 | 60 days after card receipt |
To qualify for this promo, the applicant must not have an existing RCBC credit card or a cancelled RCBC credit card within 24 months.
3. Bank of Commerce
| Eligible Card | Spend Requirement | Application Period | Spend Period |
|---|---|---|---|
| Classic Mastercard | ₱30,000 | Apr 1, 2025 – Dec 29, 2025 | Jul 1, 2025 – Feb 28, 2026 |
To qualify for this promo, the applicant must not have an existing BankCom credit card or a cancelled BankCom credit card within 12 months.
4. Metrobank
| Eligible Card | Spend Requirement | Application Period | Spend Period |
|---|---|---|---|
| Metrobank Titanium Mastercard, Metrobank Rewards Plus Visa, Metrobank Cashback Visa, Metrobank Toyota Mastercard | ₱30,000 | Aug 16, 2025 – Dec 31, 2025 | 90 days after approval |
| Metrobank Platinum Mastercard | ₱80,000 | Aug 16, 2025 – Dec 31, 2025 | 90 days after approval |
| Metrobank Travel Signature Visa, Metrobank World Mastercard | ₱100,000 | Aug 16, 2025 – Dec 31, 2025 | 90 days after approval |
To qualify for this promo, the applicant must have received an invitation message via email/Viber/SMS/Telesales, not have an existing Metrobank credit card or a cancelled Metrobank credit card within 6 months.
5. UnionBank
| Eligible Card | Spend Requirement | Application Period | Spend Period |
|---|---|---|---|
| Rewards Card | ₱20,000 | Feb 1, 2025 – Jun 30, 2026 | 60 days after card approval |
| Shell Power Platinum/Gold | ₱20,000 | Jan 1, 2025 – Dec 31, 2025 | 60 days after card approval |
To qualify for this promo, the applicant must not have an existing UnionBank/Citi credit card or a cancelled UnionBank/Citi credit card within 6 months.
Those who complete the spend requirement will also receive ₱2,000 GCash eGift.
Cards With Year-Round NAFFL Offers
While banks offer NAFFL promos from time to time, some cards are designed to be infinitely free. Some just need you to get approved for that card, while others may require an accumulated spend every year.
Compiled below are NAFFL cards that you can apply for anytime.
| Eligible Card | Conditions | Application Link |
|---|---|---|
| UnionBank U Visa Platinum | None | Apply Here |
| Unionbank U Platinum Mastercard | None | Apply Here |
| EastWest Platinum Mastercard | At least ₱300,000 credit limit | Apply Here |
| Metrobank M Free | None | Apply Here |
| Metrobank Titanium Card | ₱250,000 accumulated spend per year | Apply Here |
| Security Bank Wave Mastercard | None | Apply Here |
| Chinabank Freedom Mastercard | None | Application Form |
| PSBank Credit Mastercard | None | Apply Here |
| PNB Ze-Lo Mastercard | None | Apply Here |
How to Maintain/Keep Your NAFFL Status
- Meet the Spend Requirement
For promos with NAFFL conditions, ensure you reach the required spending target within the promo’s spend window (e.g., 60 days from card receipt). Moneymax - Pay on Time
Timely payments keep your account in good standing, which is often a condition for retaining NAFFL perks. - Keep Your Card Active
Aside from keeping your card in good standing, most NAFFL and welcome gift promos also require cardholders to keep their cards active for a specific period of time. - Check Anniversary Rules
Some conditional waivers only waive for the first year or require annual spend targets. NAFFL is different, true NAFFL means no annual fee for as long as the card is active.
FAQs About No Annual Fee Credit Cards in the Philippines
Q: Are all no annual fee cards truly free forever?
A: Not always. There are two types: perpetual no annual fee (no fee by card design) and promo-based NAFFL (requires meeting promo conditions to waive fees every year or for life). Always check the T&Cs.
Q: What’s the difference between no annual fee and first-year waiver?
A: A first-year waiver means your first 12 months are free, then normal annual fees apply afterward unless separate waiver conditions are met. NAFFL usually means the fee is waived for life once conditions are satisfied.
Q: Do these cards earn rewards?
A: Some NAFFL cards do while others focus purely on no fees without rewards (e.g., PNB Ze-Lo or Citi Simplicity+). Check specific card details before applying.
Q: Can I apply if I already have credit cards?
A: Yes, for cards designed to offer NAFFL year-round. But most NAFFL promos are targeted at new-to-bank cardholders. Always read the promo criteria.
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