Best Credit Cards For Those With A Monthly Income Of 30k And Below
8 min readAre you looking for your very first credit card but are afraid your current income and position will disqualify you from the process? Never fear, we’ve got you covered.
While different credit card companies investigate different things when processing credit card applicants, two very common criteria are the applicant’s monthly salary and their tenure in the company.
In this post, we’re going to take a look at some credit cards that are ideal for those starting out in their career or have began to climb the ladder in a new job.
These credit cards accept applicants with an income of P30,000 and below. See which ones fit your lifestyle just right. You can choose from exclusive perks for women, shopping, dining, air miles, and even for gas.
Note: While these are mostly for those with credit cards, the list also includes credit cards for first-timers, as they accept non-carded applicants.
1. Metrobank Femme Visa
Minimum income requirement: P15,000 monthly (P180,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to get this card:
This card was designed with women in mind and is packed with wellness, shopping, and beauty perks and promos.
It is a reward point card so for every P20 spent, your going to get 1 reward point. After accumulating reward points, you can exchange them for air miles, gift certificates, and rebates.
Do I need to have a credit card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Non-Carded |
2. Metrobank Classic
What is the minimum income requirement? P15,000 monthly (P180,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to get this card:
Metrobank Card’s flagship credit card has all of their perks, privileges, and value-added services, with a low minimum income requirement.
This is a reward point card, so you get one rewards point for every P20 spend. They have an extensive rewards catalog of treats, including the option to redeem air miles with Philippine Airlines, Cathay Pacific Airlines, and Singapore Airlines.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Non-Carded |
3. Metrobank Toyota MasterCard
What is the minimum income requirement? P15,000 (P180,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to get this card:
Metrobank Toyota Mastercard holders get 10% discount on all Toyota dealers nationwide. This applies to genuine car accessories and car parts and includes Toyota services.
It is a reward point card so every P20 spent gets you a reward point. You also have the opportunity to earn twice the rewards points every time you use this card in Toyota dealerships.
You can get a 3% fuel rebates every time you gas up at Petron stations.
Do I need to have a credit card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Non-Carded |
4. AUB Easy MasterCard
What is the minimum income requirement? P10,000 monthly (P12,000 annual income)
How long is the employee tenure period ? At least one (1) year in the same company
Other reasons to get this card:
This card is the perfect match for credit card first-timers, it lets you manage your credit card on your own terms.
Choose your credit card payment dates, and the frequency of monthly payments, all at a monthly interest rate of only 2.95%.
It is a reward earning card, so you get 1 reward point for every P20 spent. You can get 4x the reward points if you use it overseas.
You can transfer reward points earned to Cebu Pacific’s GetGo Rewards. For every seven AUB Reward Points, you get one GetGo point. You can also do the same with the AirAsia BIG Loyalty Program. You get 1 BIG point for every 5 AUB Reward Points.
You can redeem AUB Reward points for cash rebates. 1000 points is equal to a P100 cash rebate and 5000 points is equal to P500 cash rebate.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Non-Carded |
| Self-employed | Non-Carded |
| Professional | Non-Carded |
5. AUB Classic MasterCard
What is the minimum income requirement? P20,000 monthly (P240,000 annual income)
How long is the employee tenure period? At least one (1) year in the same company
Other reasons to choose this card:
Packed with the same features as the AUB Easy Mastercard, only this time with a higher credit limit. This also works well for credit card first-timers, because no prior credit card is needed for application. Interest rate is also at 2.95% per month.
One perk that the AUB Classic MasterCard has that the Easy Mastercard doesn’t is the ability to earn Mabuhay Miles from PALs reward program. For 200 AUB reward points, you can redeem 100 miles.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Non-Carded |
| Self-employed | Non-Carded |
| Professional | Non-Carded |
(Read:Â Great Credit Card Sign-Up Promos In The Philippines For 2018)
6. Bank of Commerce MasterCard Classic
What is the minimum income requirement? P20,000 monthly (P120,000 annual income)
How long is the employment tenure period? At least one (1) year in the same company
Other reasons to choose this card:
You get an all-around credit card for your everyday needs. Every P25 spent using this card will earn you a reward point.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Non-Carded |
| Self-employed | Non-Carded |
| Professional | Non-Carded |
7. HSBC Red MasterCard
What is the minimum income requirement? P16,667 monthly (P200,000 annual income)
How long is the employment tenure period? Â At least two (2) years in the same company, or a regular employee
Other reasons to choose this card:
There is an accelerated reward program for this card where you can get 4x the bonus points on local, online, and overseas shopping and dining transactions.
It gives free annual membership fee for the first year.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
8. HSBC Gold Visa Cash Back Credit Card
What is the minimum income requirement? P16,667 monthly (P200,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company, or a regular employee
Other reason’s to choose this card:
This card gives generous cash backs on dining (5%), with .50% cash back on all other transactions.
It also provides fuel rebates of 10% for first time Caltex purchase, and 3% fuel rebates for the whole year.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
9. EastWest Dolce Vita Titanium Mastercard
What is the minimum income requirement? P25,000 monthly (P300,000 annual income)
How long is the employee tenure period? At least one (1) year in the same company
Other reasons to choose this card:Â
Premium perks for the avid shoppers and diners with the EastWest Dolce Vita Titanium Mastercard.
Their reward or “charm†point program which gives 1 charm point for every P100 spent. Charm points can be converted to gift certificates with their partner merchants.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
10. EastWest Visa/Mastercard Classic
What is the minimum income requirement? P15,000 monthly (P180,000 annual income)
How long is the employment tenure period? At least one (1) year in the same company
These two credit cards let you enjoy all of EastWest Bank’s generous perks and privileges. It rewards cardholders with 1 reward point for every P100 spend.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
11. Citi Cash Back Card
What is the minimum income requirement? P20, 833 monthly (P250,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
This credit card is loaded with rebates. You can get a 6% rebate on groceries, 2% on your Meralco bill, and 0.20% on other purchases.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
 12. Shell Citi Card
What is the minimum income requirement? P20, 833 monthly (P250,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
This card is great for serious motorists. Offers a 5% rebate on Shell fuel purchases, a 5% rebate on toll fees for the South and North Expressways, and a 5% rebate on auto repair, accessories, and services.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
 13. Mercury Drug Citi Card
What is the minimum income requirement? P20,833 monthly (P250,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
As a health and wellness credit card, it offers rebates on Mercury Drug purchases as well as discounts with participating wellness centers.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
(Read:Â 5 Best Credit Cards For Starters: 2018 Update)
14. Citi PremierMiles Card
What is the Minimum income requirement? P30,000 monthly (P360,000 annual income)
How long is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
Made for frequent flyers, this card gives them access to VIP lounges, and other travel rewards.
You can earn never expiring miles points. For every P30 spent, you get 1 mile point.
Do I need to have a credit card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
15. Citi Rewards Card
What is the minimum income requirement? P21,000 monthly (P250,000 annual income)
What is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
This card is loaded with rewards for shoppers, diners, and flyers alike. For every P30 spend, you get one reward point. These points can be used to pay for purchases, with 10 points being equivalent to P1.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
16. Citi Simplicity+ Card
What is the minimum income requirement? P15,000 monthly (P180,000 annual income)
What is the employment tenure period? At least two (2) years in the same company
Other reasons to choose this card:
No annual fee as well as no late and overlimit fees with this card.
You get 10% back on interest charges if you pay the minimum amount due on or before the due date.
Do I need to have a card?
| Employment Type | Carded / Non-Carded |
| Employed | Carded |
| Self-employed | Carded |
| Professional | Carded |
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