The Best Credit Cards to Match Your Lifestyle, All in One Place.

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The Best Credit Cards in Philippines

Find the Right Credit Card that Gives You Your Needs & Wants

With hundreds of credit cards to choose from, how do you make sure you get one that’s tailor-fit for your budget and lifestyle? eCompareMo does all the work for you. We’ve teamed up with the Philippines’ largest banks to make your credit card application as easy as 1-2-3.

Credit cards: they look great, they feel great. They’re a nice thing to have and to hold, and are very powerful tools to use for convenient, cashless transactions. You can use them to shop goods and settle your bills, purchase big-ticket items, or you can use them to pay your personal loan or car insurance. But why is it so hard to become a credit cardholder?

First, there are tons of choices—rewards cards, travel, low-interest, zero-percent monthly installment, balance transfer, no annual fee, cashback, fuel rebate, frequent flyer miles, and whatnot. There’s that one card made for anything and everything imaginable. That makes applying for the right one a tad too overwhelming. With eCompareMo, that's a thing of the past.

Find The Best Credit Card For You

Fully Digital Credit Card Application For Your Convenience

eCompareMo makes sure you get the right credit card—fast. Through an online comparison platform, people can easily compare a wide variety of credit cards and find the best fit. The best thing about this is it's absolutely free!

Credit card finder makes it easy and quick to find
Compare, Get Matched & Apply Today!

The Best Credit Cards For Every Lifestyle

Given the number of cards available from different banks in the Philippines, how will you know which is the right one for you? With eCompareMo, we'll pair you with the best & suitable credit card for your every need and want.

best credit card

Best credit cards

eCompareMo has partnered up with the top banks in the Philippines to provide you with the best credit cards. We keep our credit card promos fresh and up-to-date daily to help you choose the right one for you. Find credit cards for rewards, cashback, 0% installment, travel, miles, and no annual fees.

Compare all credit cards
airmiles credit card

Airmile credit cards

Find the best airmile credit cards here so you can supercharge your travel. Accumulate miles better with these cards and virtually travel internationally using points. This is an excellent addition to any jetsetter with a mile-high flair.

Apply for an airmiles credit card
cashback credit card

Cashback credit cards

Put money back to your pocket, literally. With cashback credit cards, you get paid back a portion of your purchase every time you swipe. Instantly redeem rebates on all kinds of purchases like groceries, fuel, and shopping.

Apply for a cashback credit card
womens credit card

Women's credit cards

Love shopping, traveling, and treating yourself to the best things in life? Then get a credit card that empowers your lifestyle and celebrates your womanhood with these women's credit cards--custom-fit for every woman.

Choose the best credit cards for women
rewards credit card

Rewards credit cards

Get rewarded up to 3x each time you use these rewards credit cards available at eCompareMo. Accumulate points and redeem them for special items, promos, flights, and hotel stays. These are the most versatile credit cards in the market, letting you choose how to spend your points at will.

Apply for a rewards credit card
travel credit card

Travel credit cards

Earn your way to your next vacation with these travel credit cards at eCompareMo. Every time you use this credit card, you can unlock opportunities for air travel and hotel stays with special rates! You can take your travel credit card with you everywhere you go, domestic or international, with a wide network of accepted merchants.

Apply for a travel credit card
no annual fee credit card

No annual fee credit cards

No annual fee cards give you all the advantages of a credit card with one more addition: you'll never have to pay for annual fee, ever. Grab the best no annual fee credit cards here at eCompareMo and enjoy more freebies than you can imagine.

Apply for a FREE Annual Fee Credit Card
shopping credit card

Shopping credit cards

Always find the best deals on shopping with the best shopping credit cards offered here at eCompareMo. Shopping credit cards are the right credit cards for bargain hunters who look to save as much as they love shopping.

Apply for Shopping Credit Cards

We're Partnered with the Best Credit Card Companies in the Philippines

When it comes to choosing the right card, here are the list of major banks in the Philippines that provide a wide range of the best credit cards and deals to help you find the right card for you.

Compare credit cards

Need Help in Searching For the Best Credit Card For You?

At eCompareMo, we'll show you how you can get approved for the credit card that matches your habits responsibly.

How to Apply for a Credit Card?

How to Apply for a Credit Card?

Learn how to improve your chances of approval every time you apply for a credit card.

How to Apply for Credit Card
What to look for in a credit card?

What to look for in a credit card?

Know what you need to look for in a credit card that will complement your lifestyle.

What to look for in a credit card
What is Balance Transfer?

What is Balance Transfer?

Be smarter in consolidating your credit card debts with this guide.

What is Balance Transfer?
What is Cashback and Rebates?

What is Cashback and Rebates?

Learn more about cashback and rebate rewards that puts money right back in your wallet.

What is Cashback and Rebates?
Why Is It Better To Have a Credit Card This 2021?

Why Is It Better To Have a Credit Card This 2021?

Being a credit cardholder is better than ever this 2021

Find out why here

Exciting Credit Card Promos

Check out these updated credit card promos so you won't miss out on yet another deal.

Exciting Credit Card Promos

Check Out These Highly Recommended Credit Cards

We've picked out the best credit cards for you.

eCompareMo makes sure you get the right credit card—fast.

Through an online comparison platform, people can easily compare a wide variety of credit cards and find the best fit. Also, the relevant rates, fees, and other details are displayed to guide potential cardholders in choosing the card that best suits their lifestyle.

Our banking advisors make sure your application gets processed immediately upon completion of the required documents. It’s like having your own personal assistant—only using our services is absolutely free!

Before you apply for a credit card, think about your income, spending habits, lifestyle, and…yeah, life goals. Given the number of cards available from different banks in the Philippines, how will you know which is the right one for you?

Consider these things when choosing your next credit card:

  • Low interest rate
  • Annual fee
  • Payment terms
  • Charges and other fees
  • Credit card promos
  • Perks and privileges
  • Loyalty points and rewards
  • Cash rebates

0% Monthly Installment

This feature allows you to spread your repayments over the next few months, or even years, with no interest at all. Some card providers offer 0% monthly installment of items purchased from partner establishments, while other shops offer 0% installment promos on a regular basis.

Balance Transfer

Owning multiple cards means paying numerous monthly bills, some even with hefty interest. To beat the burden, a balance transfer can help you pay down your existing credit card debt faster. This will also let you consolidate your other card balances into a single card, so you can save on monthly interest.


It offers great benefits for cardholders who frequently travel, including travel insurance coverage and other travel-related perks (like free access to VIP lounge, airline miles for every purchase, free 24/7 concierge services, and many more).

Fuel Rebate

For those who spend a lot of time on the road, it’s nice to have a card that can provide you discounts on your fuel purchases. Earn fuel rebate every time you gas up using your card at any partnered gas station. Plus, enjoy other related perks, such as a discount on car services, free roadside assistance, free gifts, or exclusive merchandise and collectibles.


Cashback reward program or rebate is very popular and one of the best features of credit cards in the country. It is useful for diligent cardholders, especially if they pay their card bills on time and in full each month. Some banks offer cashback rate on all purchases, while others offer higher rates on specific spending categories, and lower rates on everything else.

Frequent Flyer Miles

Designed to reward cardholders who love to travel, a frequent flyer miles credit card allows you to earn miles or airline points and redeem them for free flights. In addition, some cardholders also get tipped off regarding upcoming seat sale promos.

Women’s Feature

Specifically designed to celebrate a woman’s lifestyle, it provides exclusive rewards and discounts from different beauty and wellness establishments. Also, cardholders can enjoy free access to special events and promotions using this card.

See credit card types and features for more information.

  • Good as cash—you do not need to have cash on hand when you purchase products or services
  • Convenient—easier and faster to use, compared to cash
  • Earn points and rewards every time you spend
  • Avail of various discounts and perks provided by your chosen credit card
  • Enjoy exclusive promos
  • Protection features (e.g. travel insurance)
  • Cash rebates

Today, you can compare, choose, and apply for any credit card with just a few taps and clicks.

eCompareMo lets you choose the best option from a wide variety of credit cards, depending on the benefits and features that fit your lifestyle.

Make sure to ensure your eligibility and secure all the credit card application requirements first to enjoy a smoother application process.

To know if you are qualified to apply for a credit card, you may want to check out the eligibility and documents required by most banks below:

Credit card eligibility

  • Must be at least 21 to 70 years old for principal applicant or at least 13 years old for supplementary cardholders
  • Must have at least one (1) landline phone
  • Must be a Filipino citizen or, if foreign, must be a permanent resident in the Philippines for the last two (2) years
  • Must be a regular employee or if self-employed, with business operating for at least two (2) years
  • Income Requirement: At least P180,000 gross annual income

Documents Required

  • Photocopy of the last two (2) month's statement of account (for existing credit cardholders)
  • Any valid, photo-bearing ID issued by an official authority shall be acceptable, such as the following: Passport, Driver's License, Professional Regulations Commission (PRC) ID, Social Security System (SSS) Card with photo and scanned signature printed on the card, Voter's ID, Government Service Insurance System (GSIS) e-card, Philhealth card, Senior Citizen Card, OFW ID, Seaman's book, Company ID (Sec Registered or under BSP supervision)
  • For employed: photocopy of latest BIR Form 2316 signed by employer's authorized representative, original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown and photocopy of latest full month pay slip
  • For self-employed: photocopy of Registration of Business Name, photocopy of latest ITR and W4 with BIT/Bank Stamp, audited financial statements for the last 2 years, or bank statements for the last 3 months

We provide insightful, inspirational, and informative articles as well as social media campaigns that reach more than two million people monthly.

When it comes to choosing the right card, here are the list of major banks in the Philippines that provide a wide range of the best credit cards and deals to help you find the right card for you.

Check out: Latest Credit Card Promos offer by various credit card providers

Interest rate refers to the price you pay for the money you borrow when you used the credit card. Usually, interest rate varies from 2% to 3.5%, depending on the banks.

Apart from the interest rate, fees, such as annual fee, transaction fee, and penalty fee will also be charged to you, subject to the credit card you choose.

The application process depends on the bank that you choose and if you completely submit all the requirements. You can check the banking products page to know which banks have the fastest processing time. However, the application process normally takes about one week or two.

In the Philippines, credit cardholders are required to pay at least 5% of their monthly card billings before the given due date to avoid late payment charges.

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