Best Credit Cards With No Annual Fee

We have searched for and listed the best credit cards with No Annual Fee in Philippines across banks like BPI, BDO, RCB, eastwest, PNB, Metrobank, Security Bank, Citibank, HSBC and more. These credit cards with no annual fee allow you the usage of credit without the annual fee associated with credit card ownership.

Do keep in mind that other fees and charges like interest, late payment, etc still apply on all cards.

Table of Contents

  • Citi Simplicity+ Card

    Best for No Annual Fee

    Citi Simplicity+ Card

    Main Feature

    No annual fee or late payment fee for the entire duration of usage

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    Main Feature

    No annual fee or late payment fee for the entire duration of usage

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱180000

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  • AUB Easy MasterCard

    Best for No Annual Fee, Rewards

    AUB Easy MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

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  • AUB Classic MasterCard

    Best for No Annual Fee, Easy Approval, Shopping, Rewards

    AUB Classic MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱252,000

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  • AUB Gold MasterCard

    Best for No Annual Fee, Shopping, Rewards

    AUB Gold MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱600,000

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  • AUB Platinum MasterCard

    Best for No Annual Fee, Shopping, Rewards

    AUB Platinum MasterCard

    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

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    Main Feature

    No annual fee for life and 1 Rewards Point per ₱20 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱1,200,000

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  • BPI eCredit

    Best for No Annual Fee, Easy Approval, Shopping, Dining

    BPI eCredit

    Main Feature

    No annual fees for life and lower credit limit

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    Main Feature

    No annual fees for life and lower credit limit

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.5%

    Min Annual Income

    ₱N.A

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  • EastWest Platinum MasterCard

    Best for No Annual Fee, Shopping, Entertainment, Rewards

    EastWest Platinum MasterCard

    Main Feature

    1 Platinum Rewards Point per ₱40 spend.

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    Main Feature

    1 Platinum Rewards Point per ₱40 spend.

    Annual Fees

    No Fee

    Monthly Interest Rate

    2.75%

    Min Annual Income

    ₱1,800,000

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  • EastWest Priority Visa Infinite Card

    Best for No Annual Fee, Travel, Shopping, Rewards

    EastWest Priority Visa Infinite Card

    Main Feature

    No annual fees for life and 1 Infinite Rewards Point per ₱10 spend

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    Main Feature

    No annual fees for life and 1 Infinite Rewards Point per ₱10 spend

    Annual Fees

    No Fee

    Monthly Interest Rate

    1.99%

    Min Annual Income

    ₱2,500,000

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  • HSBC Premier Mastercard

    Best for Rewards, Shopping, Dining, Entertainment, Bill Payment, No Annual Fee

    HSBC Premier Mastercard

    Main Feature

    No annual fee for life and accelerated rewards

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    Main Feature

    No annual fee for life and accelerated rewards

    Annual Fees

    No Fee

    Monthly Interest Rate

    3.1%

    Min Annual Income

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