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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:

  • 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.
  • Bonuses such as free airmiles and rebates depending on how much a cardholder has spent.
  • Rewards points that can be exchanged for free items and perks.
  • Balance transfer capability, which you can use when you want to transfer your credit card debts from one card to another with a lower interest rate.
  • Zero-interest charges on some purchases. You usually see this offer in appliance, furniture, and gadget stores.
  • Cash advances, which give you the ability to borrow cash up to a certain amount and with certain fees.
  • Virtual credit card, which are cards similar to a credit card but with a different 16-digit number allowing you to shop safely at different online shops.
  • Free travel insurance for certain cards, especially the upscale offerings.

Our goal is simple: to show you the most transparent and unbiased comparison that suits your needs, not anyone else’s. Here's how:

  1. Search by reward types
    Card rewards are what you are looking for and GoBear gets it! Start your search by selecting your preferred reward type: cashback or air miles.
  2. Calculate annual rewards based on your spending needs
    To help you find your best credit card, simply input your monthly spending amount with an option to break them down into categories like: dining, entertainment, fuel, groceries, online shopping, shopping, etc. For details of shopping categories, refer to 'what is the definition' of each spending category and 'what is included in your rewards calculation?'.

    With your input plus our unique GoBear Rewards Converter, we will calculate your estimated annual earnings on cashback and air miles based on your monthly spending over a period of one year. We convert the different credit card reward points based on average cash values or actual air miles you can redeem. Please refer to 'Which airline miles do you use in your total air miles calculation?' for more details on air miles.
  3. Compare reward earnings vs other benefits, features and fees
    To give an all-rounded comparison, we also showcase a directory of other features, including benefits and fees of each credit card.
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)
At GoBear we put in our best to ensure our calculations are accurate. Firstly, we constantly update our calculation engine and data collected from the credit card issuers. Secondly, your input on your monthly spending breakdown will further improve our calculation. Having said that, there are certain personal spending patterns, specific merchant deals or rewards that we do not include in our comparison because our goal is to give you an apple-to-apple comparison.

GoBear’s advice to you is to treat the total annual cashback and total air miles earned, as one of the considerations during your comparison process. Click on "More Details" to learn more about the limitations and benefits of each individual card.

When you apply for credit cards, your bank looks into your age, salary, employment details, and contact information. You must be: - 21 years old and above - 18 years old for supplementary cards - PHP 120,000 annual income (basic credit) - one or two years of employment
At GoBear we put in our best to ensure our calculations are accurate. Firstly, we constantly update our calculation engine and data collected from the credit card issuers. Secondly, your input on your monthly spending breakdown will further improve our calculation. Having said that, there are certain personal spending patterns, specific merchant deals or rewards that we do not include in our comparison because our goal is to give you an apple-to-apple comparison.

GoBear’s advice to you is to treat the total annual cashback and total air miles earned, as one of the considerations during your comparison process. Click on "More Details" to learn more about the limitations and benefits of each individual card.

Firstly, you must understand what each card offers:

Rewards Cards: Reward cards earn you rewards that are specific to your card issuer (e.g. CitiDollars). These rewards are collected when you spend money on credit cards and can be exchanged for either vouchers, cash or air miles.

Cashback Cards:Cashback cards offer you a percentage of your total spending on this card. Depending on what you spend on, you could earn up to 5% cashback on your credit card.

Miles Cards: Miles cards earn you miles that are exchangeable for frequent flyer miles at selected airlines. Most Singaporean banks have deals with Krisflyer miles and Asia Miles.

When comparing these 3 card types, you should keep in mind that rewards cards may not instantly giving you “miles” or “cash” and sometimes a conversion rate applies when redeeming for these rewards. However, this gives you the option to choose your rewards or benefits at a later point of time.

Pure miles and cashback cards do not offer this flexibility but often offer better conversion rates. Cashback cards are loved by those who like instant “cash discount” from a bill.
We are transparent, unbiased, personalised and we have you covered.

GoBear credit card comparison results are based entirely on your personal spending pattern, based on your data input. There's no advertising, pre-ranking and highlights of the card listing. We don't tell you which card to pick, it's your choice.

We currently cover largest range of credit cards, view our sitemap to access the full list of the cards available.
  • Bank of Commerce
  • BPI
  • Citibank
  • HSBC
  • Metrobank
  • PNB
  • RCBC
Firstly, you must understand what each card offers:

Rewards Cards: Reward cards earn you rewards that are specific to your card issuer (e.g. CitiDollars). These rewards are collected when you spend money on credit cards and can be exchanged for either vouchers, cash or air miles.

Cashback Cards:Cashback cards offer you a percentage of your total spending on this card. Depending on what you spend on, you could earn up to 5% cashback on your credit card.

Miles Cards: Miles cards earn you miles that are exchangeable for frequent flyer miles at selected airlines. Most Singaporean banks have deals with Krisflyer miles and Asia Miles.

When comparing these 3 card types, you should keep in mind that rewards cards may not instantly giving you “miles” or “cash” and sometimes a conversion rate applies when redeeming for these rewards. However, this gives you the option to choose your rewards or benefits at a later point of time.

Pure miles and cashback cards do not offer this flexibility but often offer better conversion rates. Cashback cards are loved by those who like instant “cash discount” from a bill.