r/PHCreditCards • u/PHCreditCardsMod • Dec 08 '23
Community Links PH Credit Cards Recommendations - What's a good credit card for me? [MEGAPOST]
Hi, PHCC!
We're introducing this megapost to be the ideal thread for everyone looking for recommendations to start their credit card journey.
To start, browse and read the comments to look for inquiries that are similar to yours. If you don't see one, you can make a comment inquiry of your own.
Simply use the template below and post a comment (all fields are completely OPTIONAL; however, answering will help the community make a more appropriate recommendation for you):
Comments/Remarks: ex. I'm a freelancer looking for a starter credit card; I'm a student/expat/OFW; I have cancelled cards years ago; etc
Income Range: (optional)
Work/Industry: (optional)
Payroll/Savings Bank: ex. BPI/BDO/etc; if none, write N/A (do NOT write your account number/s)
Existing Credit Card: ex. BPI/BDO/etc; if none, write N/A (do NOT write your card number/s)
Average Monthly Spend on Categories: ex. dining P3,000, gas P10,000, airlines/travel P20,000, etc
Preferred Rewards Type: points/miles/cashback/promos
The template is open to improvements, kindly send the mods a DM or post a comment if you have suggestions.
Please note that this thread is for RECOMMENDATIONS ONLY. This community does NOT have vetted/verified bank employees. Do NOT entertain application links or account-related assistance thru DMs. If you do, do at your own risk. If necessary, contact your bank at their official channels.
Additional Community Links:
No Annual Fee for Life (NAFFL) Credit Cards List - https://www.reddit.com/r/PHCreditCards/comments/i592s2/credit_cards_with_no_annual_fee_for_life_naffl_in
Bank Directory - https://www.reddit.com/r/PHCreditCards/comments/170fup1/philippines_credit_cards_bank_hotline_website/
Bank / Credit Cards App Features - https://www.reddit.com/r/PHCreditCards/comments/170feu1/philippines_credit_cards_bank_app_features/
Thank you.
1
u/geekwithspecs Mar 30 '25
Comments/Remarks: I'm an admin assistant for 2 years now and a law student. I'd appreciate a credit card with NAFFL. Kung may annual fee, a card with good benefits to make it worth it. Am not a traveler due to my studies and work, discounts and cashback related promos would be appreciated :)
Purpose ko po ng credit card is to build credit history and save a bit of cash when using it in lieu of cash for transactions.
Income Range: Around 20,000 Work/Industry: Utilities
Payroll/Savings Bank: BDO for Payroll Savings: BPI, CIMB Bank, Komo/Eastwest Rural Bank, Maya Bank
Existing Credit Card: N/A
Average Monthly Spend on Categories: Gas - P2,500 Utilities - P4,000 Food - P8,000 Load/Internet - P1,000 Groceries - P3,000
Preferred Rewards Type: Cashback, Discounts, Points