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Compare 55 credit cards from 8 banks in Philippines

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Bank of Commerce
HSBC
Metrobank
PNB
RCBC
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Get your head around credit cards

No tricky financial lingo here. Just simple articles on complex topics.

FEATURED

15 November 2016
Credit history 101: Reasons why first-timers get rejected all the time

No matter how many times you try to apply with all the banks in the Philippines, if you are not eligible, then there is a high chance your application can be rejected.

Frequently asked questions

Q: What are the fees and charges of credit cards?

The most common charge is the interest charge which is the percentage of the amount of debt you have by the end of the billing period. Membership fee is an annual payment for card ownership. (Although the fee is waived for the first year)

Q: What are credit card features and benefits?

The main purpose of a credit card is an instant access to money for cardholders who can pay in full or in installments. But there are also different benefits provided for clients that is exclusive for credit card holders, such as: a. Waived membership fees on cards for the first year of use. Through this, banks are encouraging cardholders to use their cards without thinking much about fees. b. Bonuses such as free airmiles and rebates depending on how much a cardholder has spent. c. Rewards points that can be exchanged for free items and perks. d. Balance transfer you can use when you want or need to transfer your credit card debts from one card you own to another card with a lower interest rate. e. Zero-interest charges on some purchases. You usually see this offer in appliance, furniture, and gadget stores. f. cash advance is the ability to advance up to a certain cash. g. virtual credit card a card much like a credit card but it has a different 16-digit number allowing you to shop safely to different online shops h. Free travel insurance for certain cards, especially the upscale offers.

Q: What is credit card protection in travel insurance?

Credit card protection travel insurance is a unique cover included in insurance policies, which protects your credit card from unauthorised charges and identity theft.

Q: What banks issue credit cards in the Philippines?

Bank of Commerce

BPI

Citibank

EastWest

HSBC

Metrobank

PNB

RCBC