You can’t deny that owning a credit card means enjoying a convenient life.
Short on cash this pay cut-off? You can still buy your groceries and other essentials with your credit card. You can also buy big-ticket items, such as the latest gadgets, especially if your card offers a 0% installment plan with flexible terms.
However, the lengthy approval process and stringent requirements stop a lot of people from getting credit cards.
The good news is, you have options! Check out the easiest credit cards to get approved for in the Philippines.
Check out some of the credit cards with the easiest approval in the Philippines:
UnionBank Rewards Credit Card
Read on for more details and credit card options.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱2,500
✅ Interest rate: 3%
📝 UnionBank Rewards Credit Card application requirements:
To secure a UnionBank Rewards Credit Card, you generally just need to fill out the application form and submit a valid ID and proof of income. The minimum income requirement isn't too bad, either!
Once approved, use the card to earn 1 non-expiring rewards point for every ₱30 spend and triple the points when you shop and dine here and abroad. Use the points to redeem free merch, cash credits, points transfers, and more.
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Eligible card: UnionBank credit cards
Promo period: Until September 30, 2024
Get Apple AirPods 2 worth ₱8,490; Nescafe Dolce Gusto Mini Me worth ₱6,699; Marshall Willen Speaker worth ₱6,590; JBL Tune 720BT Wireless Headphones worth ₱4,699; or Giftaway cash credits worth ₱4,000! Just apply for any eligible UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank welcome gift promo runs until September 30, 2024 only.
Per DTI Fair Trade Permit No. FTEB-199168 Series of 2024. Terms and conditions apply.
Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: None
✅ Interest rate: 3%
📝 UnionBank U Visa Platinum application requirements:
New to credit cards and looking for a no-frills option? The UnionBank U Visa Platinum comes with no annual, late payment, and overlimit fees. Plus, enjoy a 10% rebate on interest charges when you pay at least the minimum due on or before the due date.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱4,500
✅ Interest rate: 3%
📝 UnionBank Cash Back Visa Platinum application requirements:
The UnionBank Cash Back Visa Platinum streamlines your everyday spending. Enjoy up to 6% rebates on supermarket spend, up to 2% on Meralco bills paid through UnionBank Online, and 0.20% cashback on other daily spend.
One of the best things about this card is that the cashback doesn’t expire. Easily redeem it anytime you want!
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱2,500
✅ Interest rate: 3%
📝 Metrobank Titanium Mastercard ® application requirements:
The Metrobank Titanium Mastercard ® has a pretty straightforward list of requirements—no need to collate multiple documents. Plus, with a low minimum income requirement, it’s definitely one of the easiest credit cards to get approved for in the Philippines.
Easily earn points with your Metrobank Titanium Mastercard ® . Every ₱20 spend is equivalent to 1 rewards point. Earn 2x points on dining, online, and department store transactions.
Bonus: If you want to avoid annual fees for life, apply for this card until August 31, 2024. Terms and conditions apply.
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Promo period: Until September 30, 2024
How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.
Choose between a Nescafe Dolce Gusto Genio S Basic worth ₱7,199; Sony WH-CH520 Wireless Headphones worth ₱3,299; JBL Go 4 Ultra-portable Bluetooth speaker worth ₱2,599; or Xiaomi Redmi Bluetooth Soundbar worth ₱2,499; or Giftaway cash credits worth ₱2,500.
This Moneymax Metrobank eGift/Dolce Gusto/Sony/JBL/Xiaomi promo runs until September 30, 2024 only. Hurry and apply now!
Per DTI Fair Trade Permit No. FTEB-199163 Series of 2024. Terms and conditions apply.
Note: Applicant must be an existing credit cardholder in good standing for at least six months.
✅ Monthly income requirement: ₱17,000
✅ Annual fee: ₱2,500 (waived for the first year)
✅ Interest rate: 3%
📝 HSBC Red Mastercard application requirements:
Despite an active credit card requirement, the HSBC Red Mastercard offers an easy credit card application process with its low income and straightforward documentary requirements. As such, it’s the ideal credit card for young professionals.
Get 4x rewards points on shopping, dining, online, and overseas spend. Earn up to 6% rebate when you fuel up at Caltex.
Travelers will also love the Red Mastercard because of HSBC’s home&Away Privilege Programme. The said system comes with exclusive travel deals at more than 27,000 establishments across 160 countries, regions, and territories worldwide.
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Promo period: Until September 30, 2024
Not an HSBC credit cardholder yet? Apply for an eligible HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting welcome gift! Choose from free Giftaway cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a Dolce Gusto Piccolo XS worth ₱5,199 .
This Moneymax HSBC Giftaway/JBL/Dolce Gusto promo runs until September 30, 2024 only. Hurry and apply now!
Per DTI Fair Trade Permit No. FTEB-201324 Series of 2024. Terms and conditions apply.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,550 (waived for the first year)
✅ Interest rate: 3%
📝 BPI Rewards Card application requirements:
With its low annual income requirement, straightforward list of requirements, and easy credit card application process, the BPI Rewards Card is the perfect choice for first-timers.
Earn 1 BPI point, which you can use to redeem exclusive deals, for every ₱35 spend. Make spending more manageable with this card's flexible installment plans of up to 36 months. Book your flights with your BPI Rewards card and get free insurance worth up to ₱2 million.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,550 (waived for the first year)
✅ Interest rate: 3%
📝 Petron BPI Card application requirements:
The Petron BPI Card shares the BPI Rewards Card's annual income and application requirements, making it one of the easiest credit cards to get approved for in the Philippines. However, the Petron BPI credit card is the obvious choice if you're frequently on the road.
Get a ₱200 fuel voucher when you sign up for this card, earn a 3% rebate (maximum of ₱15,000 every year) when you gas up at participating Petron stations, and enjoy other car-related perks.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱2,050 (waived for the first year)
✅ Interest rate: 3%
📝 BPI Amore Cashback Card application requirements:
Enjoy exclusive privileges at any Ayala Mall nationwide with this card. Earn 4% cashback on your grocery shopping, 1% on medicines and utility bills, and 0.3% on all other local retail purchases
Shopping abroad? Like other BPI credit cards, the BPI Amore Cashback Card offers one of the lowest forex conversion rates at 1.85%.
Convert your credit limit to cash and pay in installments for up to 36 months. Or avail of cash advance and withdraw up to 30% of your available credit limit.
✅ Monthly income requirement: ₱15,000
✅ Monthly fee: ₱110 (waived for the first year)
✅ Interest rate: 3%
📝 BPI Edge Card application requirements:
The Edge Card is perhaps the easiest credit card to get from BPI, thanks to its low income requirements and affordable annual fees. The requirements are also light.
This basic credit card is packed with practical features. For instance, it earns 1 rewards point for every ₱50 spend. You also have multiple installment options, such as real 0% installment, Buy Now Pay Later, and Bonus Madness limit.
✅ Monthly income requirement: ₱30,000
✅ Annual fee: ₱2,500 (waived for the first year)
✅ Interest rate: 3%
📝 Security Bank Gold Mastercard application requirements:
While it has a relatively higher income requirement, the Security Bank Gold Mastercard has a short list of application requirements, making it an easy-to-apply credit card. Use it to earn 1 non-expiring point for every ₱20 spend.
Love traveling? This card is globally accepted. It even entitles you to access to local airport lounges such as A Lounge, Marhaba Lounge, and PAGSS Lounge.
✅ Monthly income requirement: ₱10,000
✅ Annual fee: No annual fees for life
✅ Interest rate: 2.5%
📝 PNB Ze-Lo Mastercard application requirements:
The PNB Ze-Lo Mastercard’s [2] monthly income requirement is pretty low. Its documentary requirements are also easy to collate.
It offers one of the lowest interest rates, which makes it an ideal credit card for everyday and recurring expenses, such as groceries. What makes it more attractive is that it doesn’t have annual fees, overlimit fees, and late payment fees.
In case you frequently travel abroad, you'll be glad to know this card is globally accepted. You also have several installment programs at your disposal.
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✅ Monthly income requirement: ₱10,000
✅ Annual fee: ₱300
✅ Interest rate: 3%
📝 PNB Visa Classic application requirements:
With a monthly income requirement of at least ₱10,000, this PNB credit card is one of the easiest credit cards to get in the Philippines.
This credit card has a slew of useful features perfect for everyday spending. For one, you get a 1% rebate on your revolved interest. For big-ticket purchases, you can choose from the bank’s installment programs, such as Transaction Conversion and Zero Affordable Payment Plan (ZAPP), with the latter applying to partner merchants.
✅ Monthly income requirement: ₱10,000
✅ Annual fee: ₱1,200
✅ Interest rate: 3%
📝 PNB Essentials Mastercard application requirements:
Like the other PNB credit cards above, this card has a low annual fee and annual income requirement. With this card, you can earn rewards points for cash credits and Mabuhay Miles.
This credit card also comes in handy if you love traveling. Enjoy global acceptance in-store and online, plus pay in Philippine pesos for transactions in other countries.
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✅ Monthly income requirement: ₱10,000
✅ Annual fee: No annual fees for life
✅ Interest rate: 3%
📝 PNB Cart Mastercard application requirements:
Do you prefer shopping online? The PNB Cart Mastercard is the perfect credit card for you! Aside from online purchases, you can also use it to pay for online services such as Spotify and Netflix.
Don't worry—it comes with free purchase protection insurance, so you're covered against purchase damage and theft. With free fraud transaction insurance, you're also protected from unauthorized charges and fraudulent transactions.
Note that the PNB Cart Mastercard is only a virtual credit card—it doesn't come with a physical card.
✅ Monthly income requirement: ₱50,000
✅ Annual fee: No annual fee for life
✅ Interest rate: 3%
📝 AUB Easy Mastercard application requirements:
While it has the highest minimum income requirement on this list, the AUB Easy Mastercard doesn’t have complicated requirements and winding application procedures. So if you're looking for an easy-to-apply-for credit card in the Philippines, consider this one.
Enjoy the freedom to choose when and how much they want to pay―once a month, twice a month, or even weekly. You can also choose your due date. Moreover, you’ll be given the flexibility to choose a fixed amount based on your frequency of credit card payments.
Lastly, get waived annual membership fees for life and enjoy 0% interest on new purchases with this card.
✅ Monthly income requirement: ₱15,000
✅ Monthly fee: ₱80
✅ Interest rate: 3%
📝 RCBC Landmark Anson's Mastercard application requirements:
The RCBC Landmark Anson's Mastercard has a low income requirement, a beginner-friendly monthly fee, and a list of requirements that doesn't look too intimidating.
Once you get approved, enjoy a 3% rebate at Landmark and Anson’s every Monday to Friday. Use this card outside Landmark and Anson’s and still earn non-expiring rewards points.
The RCBC Landmark Anson’s Mastercard also comes with travel privileges. These include free travel insurance, purchase protection, and access to PAGSS Lounge at NAIA Terminals 1 and 3.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,500
✅ Interest rate: 3%
📝 RCBC Classic Mastercard application requirements:
You can't go wrong with classics, as proven by the RCBC Classic Mastercard. Thanks to a low income requirement and a straightforward list of documentary requirements, it's one of the easiest credit cards to get approved for in the Philippines.
This card earns non-expiring rewards points, which you can exchange for air miles, rebates, shopping vouchers, and other exciting perks. You even get access to a free budget monitoring tool so you can keep your spending in check.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,500
✅ Interest rate: 3%
📝 RCBC Classic JCB application requirements:
Whether you’re a young professional or a credit card newbie, the RCBC Classic JCB card will help you navigate the world of credit spending. The documents aren’t too hard to collate, so you can enjoy an easy credit card application process.
Earn non-expiring rewards points from your purchases and transactions. Exchange these points for cash rebates, air miles, shopping vouchers, cash credit to your RCBC credit card account, deposits to your RCBC deposit account, or even donations.
And if you’re traveling soon, you’ll get free travel insurance as long as you charge all your international travel-related needs to your credit card.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,500
✅ Interest rate: 3%
📝 RCBC Flex Visa application requirements:
The RCBC Flex Visa offers a little more flexibility when it comes to rewards. Earn 2x rewards points on two of your preferred categories, which you can change every billing cycle. Redeem shopping vouchers or cash rebates using your points.
Frequent traveler? With this card, get free travel insurance (Travel Plus Lite), purchase protection, and access to PAGSS Lounge at NAIA Terminals 1 and 3.
✅ Monthly income requirement: ₱15,000
✅ Annual fee: Waived for life
✅ Interest rate: 3%
📝PSBank Credit Mastercard application requirements:
Already have a savings account with PSBank? If you're looking for one of the easiest credit cards to get approved for in the Philippines, check out the PSBank Credit Mastercard! Your annual fees are waived forever—now that’s one less payment to worry about.
The PSBank Credit Mastercard is accepted in more than 23 million shops and outlets worldwide. This means that you can bring this credit card on trips abroad.
If you’re planning to buy a big-ticket item, you can enjoy its 0% installment program. This program is applicable to other expenses, such as tuition fees, travel fares, accommodations, and hospital bills. Choose from the following installment terms: three, six, nine, 12, 18, and 24 months.
✅ Monthly income requirement: ₱20,833
✅ Annual fee: ₱1,500 (free for the first year)
✅ Interest rate: 3%
📝 China Bank Prime Mastercard application requirements:
While the China Bank Prime Mastercard does require an existing credit card, the other requirements are easy to procure. Plus, the minimum income requirement isn't too bad.
With this everyday credit card, you earn 1 rewards point for every ₱30 qualified spend. It's also perfect if you prefer shopping online, as it comes with a virtual companion card. Lastly, you get to enjoy more shopping perks with a complimentary China Bank-SMAC membership. [3]
✅ Monthly income requirement: ₱15,000
✅ Annual fee: ₱1,500
✅ Interest rate: 3%
📝 EastWest Privilege Classic Mastercard/Visa Privilege Classic application requirements:
The EastWest Privilege Mastercard and Visa Privilege Classic are two of the easiest credit cards to get approved for in the Philippines. As such, it’s perfect for credit card newbies.
Earn 1 rewards point for every ₱100 spend. The points are convertible to eGift Rewards or Limitless Rewards Vouchers. You may also redeem cash rebates and miles with your points.
✅ Monthly income requirement: None
✅ Annual fee: Depends on the Security Bank credit card you qualify for; free for the first year
✅ Interest rate: 3%
📝Security Bank Fast Track application requirements:
Security Bank Fast Track is a secured credit card that guarantees approval for both new and existing clients of the bank—so consider this if you're looking for a credit card for bad credit in the Philippines. Choose from the Gold Mastercard, Platinum Mastercard, or Wave Mastercard.
You can get this card without having to submit income documents. Simply open a deposit account with the bank and deposit the required minimum hold-out amount for your collateral.
It's also one of the credit cards with the fastest approval in the Philippines—just three banking days after you submit the required documents!
Gone are the days when credit cards were exclusive to executives and high-income spenders. Thankfully, banks and financial institutions now recognize people’s need for a convenient payment method.
These are just some of the easiest credit cards to get approved for in the Philippines. If you want to compare credit cards with easy approval in the Philippines, Moneymax’s free and easy-to-use platform allows you to do just that.
Sources:
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Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore Hallyu Tita, she loves bingeing Korean shows on Netflix while bonding with her cats. Follow Venus on LinkedIn.
