Getting a credit card in the Philippines can be a great way to manage finances, build credit, and access rewards. However, not all credit cards have the same application requirements or benefits. If you’re looking for easier approval, many banks and financial institutions in the Philippines offer entry-level and beginner-friendly credit cards. Here’s a list of the top 24 options that are generally easier to qualify for.

1. BDO ShopMore Mastercard

• Eligibility: Minimum income of PHP 15,000
• Best For: Shopping discounts and promotions
• Perks: Discounts at SM stores, rewards points, and exclusive sale events.

2. Metrobank M Free Mastercard

• Eligibility: Minimum income of PHP 15,000
• Best For: No annual fees
• Perks: No annual fees for life, and rewards on all purchases.

3. BPI Amore Cashback Card

• Eligibility: Basic ID requirements
• Best For: Prepaid flexibility without credit history
• Perks: Works like a debit card but provides exclusive discounts and cashback.

4. PNB Ze-Lo Mastercard

• Eligibility: Minimum income of PHP 10,000
• Best For: Zero fees
• Perks: Zero annual fee, low finance charges, and cashback on selected transactions.

5. Security Bank Fast Track Visa

• Eligibility: Minimum income of PHP 15,000
• Best For: Fast-tracked approval process
• Perks: Immediate approval with minimal requirements and quick access to funds.

6. RCBC Bankard InstaCard

• Eligibility: Open for RCBC account holders
• Best For: First-time credit card users
• Perks: Quick approval process and no annual fees for the first year.

7. UnionBank Personal Credit Card

• Eligibility: Minimum income of PHP 10,000
• Best For: Flexible payments
• Perks: Rewards on all purchases and installment plans for ease of payment.

8. EastWest EveryDay Mastercard

• Eligibility: Minimum income of PHP 12,000
• Best For: Beginners seeking low fees
• Perks: Earn rewards points on essentials, low annual fee, and promos on groceries and fuel.

9. HSBC Red Mastercard

• Eligibility: Minimum income of PHP 16,000
• Best For: Shopping rewards
• Perks: High rewards on dining and shopping, and access to exclusive sales.

10. Maybank Platinum Visa

• Eligibility: Minimum income of PHP 12,000
• Best For: International transactions
• Perks: Ideal for frequent travelers with global rewards and perks.

11. AUB Easy Mastercard

• Eligibility: Low minimum income requirement
• Best For: Flexible installment options
• Perks: Flexible payment terms and waived fees for on-time payments.

12. Citi Simplicity+ Card

• Eligibility: Minimum income of PHP 15,000
• Best For: Waived late fees and penalties
• Perks: No late fees, no annual fees, and high cashback potential.

13. Metrobank ON Virtual Mastercard

• Eligibility: Ideal for existing Metrobank clients
• Best For: Online shopping convenience
• Perks: Designed for online purchases with secure virtual card numbers.

14. Security Bank Classic Mastercard

• Eligibility: Minimum income of PHP 12,000
• Best For: Entry-level perks and benefits
• Perks: Flexible payments, rewards points, and exclusive discounts.

15. BPI Rewards Card

• Eligibility: Minimum income of PHP 15,000
• Best For: Rewards and cashback
• Perks: Earn rewards points on everyday purchases.

16. RCBC MyWallet Prepaid Visa

• Eligibility: Minimal ID requirements
• Best For: Those without credit history
• Perks: Works like a debit card, easy approval, no income requirements.

17. Citi Rewards Card

• Eligibility: Moderate income requirement
• Best For: Earn rewards for shopping
• Perks: Rewards points on every transaction, particularly on dining and shopping.

18. UnionBank PlayEveryday Visa

• Eligibility: Moderate income requirement
• Best For: Rewards on entertainment and gaming
• Perks: Earn points on digital content, entertainment, and dining.

19. EastWest Practical Mastercard

• Eligibility: Minimum income of PHP 15,000
• Best For: Low annual fees
• Perks: Affordable annual fees and cash back on daily expenses.

20. BDO Installment Card

• Eligibility: Basic requirements and existing BDO relationship
• Best For: Installment purchases
• Perks: Installment plans with flexible payments on selected purchases.

21. Maybank Gold Visa

• Eligibility: Moderate income requirement
• Best For: Rewards on lifestyle purchases
• Perks: Points on travel, shopping, and dining, with flexible terms.

22. PNB Essentials Mastercard

• Eligibility: Low minimum income
• Best For: Basic daily transactions
• Perks: Cashback on essentials, waived fees for the first year.

23. Metrobank Femme Visa

• Eligibility: Minimum income of PHP 15,000
• Best For: Women-focused benefits
• Perks: Rewards geared towards beauty, fashion, and travel, plus lifestyle perks.

24. BPI eCredit Mastercard

• Eligibility: Moderate income requirement
• Best For: Online shopping
• Perks: Great for e-commerce transactions with secure online shopping features.

Tips for Approval

1. Build an Account History: Maintaining a bank account with the card issuer can improve approval chances.
2. Provide Accurate Information: Ensure all application details are correct and consistent.
3. Consider Secured Cards or Prepaid Cards: Many banks offer secured credit cards if traditional cards aren’t accessible.
4. Maintain Good Credit: Always pay bills on time to maintain a good credit history.

Each of these best credit cards comes with its own set of unique perks, making them attractive options for a variety of financial goals. Additionally, they tend to be more accessible compared to premium-tier cards, often having lower income requirements or annual fees. When choosing a card, it’s important to carefully evaluate each option’s specific requirements, such as credit score, annual fees, rewards structures, and any introductory offers. This will help you select the card that best aligns with your spending habits and financial needs.

Remember, the best credit card for you is the one that complements your lifestyle and helps you achieve your financial objectives, whether it’s earning rewards, building credit, or managing expenses. Happy spending, and always make it a priority to spend responsibly to maximize the benefits of your chosen card while maintaining healthy financial habits!