Best Credit Cards in Philippines

Best Credit Cards In Philippines For 2020

We have reviewed most of the credit cards in the Philippines to identify the best credit cards that you can own in 2020. Read our notes to find the most suited card for yourself.

If you’re looking for a medium through which you could make payments and carry out other forms of transaction securely, conveniently at your own will, and even get rewarded sometimes, then all you need is a credit card.

However, trying to figure out which credit card is best often turns out to be a big deal. That’s why today, we’ve come up with the best 7 Credit Cards in the Philippines that you can make use of anywhere around the country.  So, coming up today as our first on the list is;

1. The Simplicity Visa Credit Card (Citibank)

This platinum credit card is being owned by Citibank, one of the largest financial institution in the Philippines. What’s good about it is that unlike most cards, it has no annual charges, no late payment of debt fees, and no over-limit charges. The only difference is in its 10% interest rate, which is a bit different from the rest.

You can view all Citibank credit cards here.

2. BDO Shop more Mastercard

Unlike the Simplicity Visa Card, this BDO owned Credit Card, has a free advantage card, with which you can earn PESO points, up to 10,000 worth of rebates. In a nutshell, it is an ideal choice for the store and online shoppers.

3. BPI Credit Card

Now, this Card is packed up with lots of useful features and benefits. Coming with a first one-year free AMF Waver, the Card also allows for reward points of P35-1 point, and a free travel insurance package that is up to P2 million. Overall, the Card is made of a new technology called contactless technology.

4. Metrobank Classic Card

Being known for its excellent rewardable interface, the Metrobank classic Card is chip and contactless Card, that does not require any pre-instalment. It has a perfect reward system where you can earn one redeemable point from every P20 you make.

5. HSBC RED Mastercard

Of all the credit cards mentioned on this list, HSBC Red Mastercard is four times better in terms of reward point system all through transactions done locally and internationally. With it, you can get a 6% rebate on your 1st Caltex fuel price and 3% in total every year.

You can view all HSBC credit cards here.

6. RCBC BANKARD Classic Credit Card

With RCBC, you’re entitled to flexible rewards points from all your purchases, budgeting tools that give you financial empowerment and control, and a secure means of shopping online that can convert purchases and balances made from the Card into instalments.


Like the Simplicity Visa Card, the AUB Mastercard has no annual fee. Plus, it is waived for life and has no interest fees on purchases. And it terms of flexibility; the Card is not to be found wanting as you can choose how many times you will be able to pay per month, and how much you will pay exactly.

So there you have it, the seven best credit cards you can use in shopping both domestically and internationally, while still standing a chance of receiving eye-watery rewards.

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