Find the best credit cards in the Philippines
Compare the best credit cards in the Philippines. Find the perfect match for you then conveniently apply online within minutes.

Compare 70+ Credit Cards From Top Credit Card Companies
Get matched with the most suitable credit card for your lifestyle.
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Bank of Commerce Cash Installment Card
Bank of Commerce
- Annual fee
- ₱2,400
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- With an option to pay at a low monthly effective interest rate
- Cash Loan Re-availment
- Higher Cash Loan Limit
-
Bank of Commerce Mastercard Classic
Bank of Commerce
- Annual fee
- ₱1,200
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- Earn 5x rewards point when you use your card for dining and shopping at selected establishments
- Every PHP25.00 spend is equivalent to 1 point
- With Annual Membership Fee Waiver
-
Bank of Commerce Mastercard Gold
Bank of Commerce
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- Every PHP25.00 spend is equivalent to 1 point
- With Annual Membership Fee Waiver
- Earn 5x rewards point when you use your card for dining and shopping at selected establishments
-
Bank of Commerce Mastercard Platinum
Bank of Commerce
- Annual fee
- Free
- Interest
- 2% a month
- Minimum income
- ₱1,200,000 a year
- Every PHP25.00 spend is equivalent to 1 point
- Waived Annual Fee
- Earn 5x rewards point when you use your card for dining and shopping at selected establishments
-
- Annual fee
- ₱2,500
- Interest
- 2% a month
- Minimum income
- ₱216,000 a year
- 0% Installment plan for 3-36 months
- 5% Cashback on dining transactions
-
HSBC Platinum Visa
HSBC
- Annual fee
- ₱5,000
- Interest
- 2% a month
- Minimum income
- ₱504,000 a year
- Enjoy cashback on shopping, travel, insurance and all other spend
- Earn 5% cash back on shopping transactions, including online
- Earn 5% cash back on essential travel spend
-
HSBC Red Mastercard
HSBC
- Annual fee
- ₱2,500
- Interest
- 2% a month
- Minimum income
- ₱216,000 a year
- Get 4x bonus points on online, dining, shopping, and overseas spend
- Redeem items, GCs, and air miles with your bonus points
-
Metrobank Femme Signature
Metrobank
- Annual fee
- ₱5,000
- Interest
- 3.5% a month
- Minimum income
- ₱646,153 a year
- Earn rewards points for every PHP20 = 1 point
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- You can personalize your card with your favorite photo
-
Metrobank Peso Platinum Mastercard
Metrobank
- Annual fee
- ₱5,000
- Interest
- 3.5% a month
- Minimum income
- ₱646,153 a year
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- FREE 1st supplementary card
-
Metrobank Rewards Plus Visa
Metrobank
- Annual fee
- ₱2,500
- Interest
- 3.5% a month
- Minimum income
- ₱323,076 a year
- Easrn 2x rewards points on dining, department store and online spend
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
-
Metrobank Titanium Mastercard
Metrobank
- Annual fee
- ₱2,500
- Interest
- 3.5% a month
- Minimum income
- ₱323,076 a year
- Easrn 2x rewards points on dining, department store and online spend
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
-
Metrobank Toyota Mastercard
Metrobank
- Annual fee
- ₱2,500
- Interest
- 3.5% a month
- Minimum income
- ₱166,153 a year
- Enjoy 10% discount on all Toyota dealers (applies to genuine accessories, parts and labor)
- Earn rewards points for every PHP20.00 = 1 point, 2x points at your preferred Toyota dealers
- Enjoy 3% fuel rebate at any participating Petron outlet
-
Metrobank Travel Platinum Visa
Metrobank
- Annual fee
- ₱5,000
- Interest
- 3.5% a month
- Minimum income
- ₱700,000 a year
- Triple rewards on local airlines, hotel accomodation and international spending
- Unlimited airport lounge access
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
-
Metrobank World Mastercard
Metrobank
- Annual fee
- ₱6,000
- Interest
- 3.5% a month
- Minimum income
- ₱3,692,307 a year
- With embedded CHIP CARD that protects you from credit card fraud due to cloning
- Earn rewards points for every PHP20 spend = 1 point
- Get automatic purchase protection coverage of up to PHP250,000
-
UnionBank Cebu Pacific Gold Credit Card
UnionBank
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱360,000 a year
- Earn 1 Go Rewards point for every PHP 200 spent
- Earn 1 Go Rewards point for every PHP 100 spent in Cebu Pacific
- Exclusive access to Go Rewards and Cebu Pacific sale events
-
- Annual fee
- ₱5,000
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- Earn 1 Go Rewards point for every PHP 200 spent
- Earn 1 Go Rewards point for every PHP 100 spent in Cebu Pacific
- Exclusive access to Go Rewards and Cebu Pacific sale events
-
UnionBank Gold Mastercard
UnionBank
- Annual fee
- ₱2,500
- Interest
- 2% a month
- Minimum income
- ₱360,000 a year
- Cash Advance
- Worldwide Acceptance
- Car Secure Auto-Insurance Plan
-
UnionBank Gold Visa Card
UnionBank
- Annual fee
- ₱2,500
- Interest
- 2% a month
- Minimum income
- ₱360,000 a year
- Worldwide Acceptance
- Car Secure Auto-Insurance Plan
- Bill Manager Auto-Charge facility
-
UnionBank Lazada Credit Card
UnionBank
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱360,000 a year
- Worldwide Acceptance
- Car Secure Auto-Insurance Plan
- Bill Manager Auto-Charge facility
-
UnionBank Miles+ Platinum Visa Card
UnionBank
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- Earn for every spending of PHP25.00 = 1 Miles+ rewards point
- Pay your travel expenses by redeeming your rewards points
- Travel Insurance
-
UnionBank Platinum Mastercard
UnionBank
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- 0% installment terms up to 36 months
- Worldwide Acceptance
- Car Secure Auto-Insurance Plan
-
UnionBank Platinum Visa Card
UnionBank
- Annual fee
- ₱3,000
- Interest
- 2% a month
- Minimum income
- ₱600,000 a year
- Car Secure Auto-Insurance Plan
- Bill Manager Auto-Charge facility
- Numerous Payment Channels
-
UnionBank PlayEveryday Visa Card
UnionBank
- Annual fee
- ₱1,500
- Interest
- 2% a month
- Minimum income
- ₱360,000 a year
- Worldwide Acceptance
- Car Secure Auto-Insurance Plan
- Bill Manager Auto-Charge facility
Get the Best Credit Card in the Philippines
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.
Frequently asked questions
What makes eCompareMo the best in online credit card application?
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!
What is the right credit card for me?
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
What are the different features of Credit Cards?
If you can use your credit card to empower your life decisions and stay away from unnecessary debt by being responsible financially, a credit card is packed with features that you'll enjoy.
Main features of credit cards:
- Cash back
- Redeemable rewards points
- Frequent flyer-miles
- Safer to use than debit cards
- Balance transfer
- Convenience of use at most establishments
- Building credit
What are the benefits of having a credit card?
More than just for paying with the utmost convenience, credit cards offer benefits that unlocks opportunities not available for other payment channels.
Benefits of a credit card:
- 0% interest installment
- Auto pay bills payment
- Special promos with discounts and freebies
- Cashless transactions
How can I apply for a credit card online?
With hundreds of credit cards on the market, applying for the right one may seem intimidating and confusing especially for first timers.
Not only that, credit cards come in different specs and features, have different interest rates, and offer various promos and perks. With that, it’s better to has all the information in your hands before applying for what you believe is the best credit card in the Philippines.
- Compare and choose the right credit card for your lifestyle
- Check your eligibility requirements
- Submit your credit card application online
- Prepare and attach necessary documents and requirements
- Wait for confirmation and for credit card processor to reach out


