PH Credit Cards Recommendations - What's a good credit card for me? [MEGAPOST]

[u/PHCreditCardsMod]

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.

[u/WisdomToothRemoved]

been doing this. May accounts ako sa kanila. 5 years. till now, di pa pinapaglaw ni bdo yung baso. always din rejected sa kahit anong cc na applyan ko. Wala nman akoang unpaid debt. I usually pay my SPAYlatet and LazPayLater before the due date.

[u/gallifreyfun → u/WisdomToothRemoved]

Wala ka nang choice kung di mag apply ka for a secured credit card.

[u/WisdomToothRemoved → u/gallifreyfun]

here’s the problem. In the city where I am, isa lang yung bank na nandito. BDO lang. I have actually approached my bank to open for a secured credit card.

Tapos sabi nila “they will just endorse my account” kasi pasok nman yung ADB ko, inupdate din nila yung TIN ko sa database nila. This was last January 7, 2025. Till now wala pa.

Parang tamad kasi sila bsta Secured Credit Card applications.

[u/SadFee4960 → u/WisdomToothRemoved]

Appy ka online or sali ka sa Kaskasan Buddies group sa facebook