10 Best Credit Cards in The Philippines for First-timers (Beginners)

If you know the best credit cards in the Philippines for first-timers, you are financially SAFE.

Why? Because many credit cards actually put the users in more debt!

So, if you’re a first-timer in using a credit card, this article will help you a lot.

This post will share the 10 best credit cards in the Philippines for first-timers.

Are you ready?

Let’s start!

10 Best Credit Cards in The Philippines for First-timers

1. Metrobank Titanium Mastercard

Leading the list of the best credit cards in the Philippines for first-timers is the Metrobank Titanium Mastercard. It’s the perfect credit card to handle your daily expenses. The Metrobank Titanium Mastercard gives users a fast rewards earning rate of 1 point per ₱20 spent. Moreover, you can also earn 2x Rewards Points on dining, department store, and other online transactions using this trusted credit card.

Features:

• E-commerce Protection
• Contactless Card
•  Chip Card
• 0% Installment
• Value Added Services
• Supplementary Cards

Requirements:

• Monthly income requirement: ₱15,000
• 18 to 70 years old
• At least 6 months employed (regular employee); or a principal cardholder with other banks
• Active residence or business landline number
• Active cellphone number
• Valid TIN, GSIS, or SSS Number

2. UnionBank Rewards Credit Card

Are you looking for the best credit cards for first-timers in the Philippines? We highly recommend you use UnionBank Rewards Credit Card. This credit card will give you 1 non-expiring rewards point for every ₱30 you spend. And when you shop or dine overseas, your reward points will become TRIPLE! Again, it will get TRIPLED! If you have enough points, you can convert them to cash credits, merch, and points transfers.

Features:

• Credit Insurance
• Payment Convenience
• Longer Credit Terms
• Inhouse Installment
• Credit Card Protection
• Accepted Globally
• Flexible Monthly Payment
• Cash Advance Facility
• Exclusive Discounts
• Flexible Monthly Payment
• Supplementary Cards
• Installment Program
• Car Insurance
• Auto Bills Payment
• UnionBank Online

 Requirements:

• Monthly income requirement: ₱15,000
• 18-70 years old
• Valid government ID with signature and photo
•  Income Tax Return (ITR)/ Certificate of Compensation Payment and Tax
•  Employment Contract or Certificate of Employment
• Payslips (the last three months)
• Document/ Proof of Pension
• Bank Statement of Account (latest 3 months copy) from other banks
• For foreigners, they need to present an Alien Certification of Registration (ACR)/ its equivalent document

3. BPI Blue Mastercard

With its affordable annual income requirement, the BPI Blue Mastercard is among the best credit cards in the Philippines for first-timers. Using this credit card, you can earn 1 BPI point for every ₱35 spent. You can use your BPI points to avail yourself of exclusive deals, such as gift vouchers, shopping credits, and airline miles.

Features:

• Flexible payment terms
• Withdraw up to 30 % of your available credit limit
• Travel Insurance
• BPI Rewards
• Year-round discounts and perks
• Overseas and online shopping discounts

Requirements:

• Monthly income requirement: ₱15,000
• Valid ID with picture
• Proof of income
• Credit card statement copy from other banks

4. Security Bank Fast Track Secured Credit Card

Security Bank Fast Track Secured Credit Card is also one of the easy credit cards for first-timers. If you want a 100% sure credit card approval, choose the Security Bank Fast Track Secured Credit Card. This is open to both existing Security Bank and New-to-Bank clients. This is an excellent option, especially if you have a bad credit score. Why? Because your existing Security Bank savings or time deposit account will automatically be bundled with a 100% approved credit card. However, make sure to fulfill your obligations if you want to continue the perks of using the Security Bank Fast Track Secured Credit Card.

 Features:

• Get rewards, rebates, or points for every transaction
• Exclusive promos and discounts
• 3 banking days processing
• Credit Score  builder

 Requirements:

• Monthly income requirement: None
• 21 to 65 years old
• Active office or home landline number
• Valid Government-issued ID
• Fully accomplished application form
•  Fully accomplished holdout agreement form
• Security Bank savings account- at least ₱25,000 hold-out amount
• Time deposit- at least ₱100,000 hold-out amount
•  For Foreigners, they need to present an Alien Certificate of Registration, Work permit, or embassy accreditation papers

5. Security Bank Gold Mastercard

With this credit card, you can earn 1 point for every ₱20 spent. Also, a number of exclusive rewards from the catalog are up for grabs. You can get exclusive perks quickly if you reach the required points. Moreover, all users of this credit card enjoy a FREE annual fee for the first year. With these features, the Security Bank Gold Mastercard is undoubtedly one of the best credit cards in the Philippines for first-timers.

Features:

• Secure online shopping
• Non-expiring rewards points
• Rewards of your choice
• Exclusive Mastercard promos
•  Accepted worldwide
• Waived annual fee (for the first year only)

 Requirements:

• Monthly income requirement: ₱30,000
•  Filipino citizens residing in the Philippines
• 21-65 years old
• At least one year employed/ must be self-employed for at least three years
• For employed: Signed Certificate Of Employment or ITR/ Three-month payslips with company ID (front/back)
• For self-employed:  AFS or ITR and SEC/DTI Registration for the last three years
• Active landline number
• Valid government ID with photo

6. RCBC Bankard Flex Visa

If you love traveling, the RCBC Bankard Flex Visa is the perfect credit card for you. It offers top-notch perks such as EXCLUSIVE access to Skyview Airport Lounge, free travel insurance, PLUS 2x rewards in all travel-related spending!

Features:

• Unli-installment
• Contactless Payment
• Spend Monitor
• Spend Analyzer
• UnliPay
• Fast BillsPay
• Balance Conversion
• Easyterms
• Balance Transfer

 Requirements:

• Monthly income requirement: ₱15,000
• 21-65 years old
• Active mobile and office landline numbers
• Valid ID
• Certificate of Employment issued within the last six months/ Latest ITR/Latest one-month payslip (employed)
• Audited financial statement/ latest ITR (self-employed)

7. BPI Edge Mastercard

BPI released a number of credit cards in the market, but the BPI Edge Mastercard is the perfect option for beginners. Why? Because it has a low income requirement and a low annual fee. You only have to present one valid ID and proof of income, and you can immediately apply for a BPI Edge Mastercard.

Features: 

• Multiple installment options
• Cash advance allowed
• 30% withdrawal ceiling within the credit limit
• Low forex rates (1.85% ONLY)

 Requirements:

• Monthly income requirement: ₱15,000
• Valid ID with photo
• Payslip/ Any proof of income

8. AUB Easy Mastercard

From the name itself, this credit card CUT THE HASSLE and a long list of requirements for applying for a credit card. That is why this is another best option for first-time credit card users. Aside from the easy application process and simple requirements, this credit card will provide you with TOTAL FREEDOM! How? Because you will be given the privilege to choose your payment due date. You can choose whether you want to pay monthly, twice a month, or even weekly. 

Features: 

• 0% interest on new purchases
• Annual membership fee is waived (LIFETIME)
• Fixed payment amount (you can choose how much to pay)

 Requirements:

• Monthly income requirement: ₱21,000
• Filipino citizen
• 21 to 65 years old
• Regular employees working for at least one year
• Self-employed are welcome as long as  they can show proof of running a duly registered business operating profitably for at least one year
• Latest ITR, Certificate of Employment, Latest one-month pay slip (employees)
• Latest financial statements, DTI registration (with the applicant’s name), and Latest ITR (Form 1707, 1701Q)
• Email address, active cellphone number, and home/office landline. 

9. AUB Classic Mastercard

This is another best credit cards in the Philippines for first-timers. Why? Because this doesn’t require complicated requirements. The main catcher of the AUB Classic Mastercard is that it allows users to enroll as MANY supplementary cards as they want WITHOUT charging an annual fee! You would also love the AUB Classic Mastercard due to its flexible payment terms. With this card, you can choose how much and when you want to pay, depending on the availability of your funds. 

 Features: 

• No annual membership fee FOR LIFE
• 0% interest on new purchases
• Personalized payment due date
• Enroll as many supplementary cards as you want

Requirements:

• Monthly income requirement: ₱21,000
• 21 to 65 years old
• Filipino citizen
• Regular employees with one year of working experience
• Self-employed applicants running a duly registered business with operating profitably for at least one year
• Employees: Latest ITR, Latest one-month payslip, Certificate of Employment

10. PNB Visa Classic

A monthly income of ₱10,000 is enough to apply for this trusted credit card for beginners. Not only that, the annual fee is waived for the first year on the PNB Visa Classic credit card. To seal the EXTRAORDINARY deal, the annual fee for all of your PNB Supplementary Credit Cards will also be WAIVED. 

Features: 

• 1% rebate on revolved interest
• Card Protect feature
• Accepted international payment
• Contactless payment

 Requirements:

• Monthly income requirement: ₱10,000
• 21 to 65 years old
• Filipino citizens or foreigners living in the Philippines
• Permanent employee or self-employed
• Government-issued ID
• For non-depositors- You need to submit proof of billing (such as utility bills or credit card statements of account)
• For Employees: Latest pay slips (the last 3 months), Certificate of Employment, or latest ITR
• For Self-employed: Latest ITR, SEC registration papers, DTI, or latest Audited Financial Statements (AFS)
• For foreigners: work permit issued by the Department of Labor and Employment (DOLE) of the Philippines, Passport, ACR, national ID, IRS ID, and company ID

Conclusion:

The best credit cards in the Philippines for first-timers are NOT easy to find. However, if you know the credit card features that you deserve, you can always land on the right pick. Use our guide to find the best credit cards for first-timers that you will NEVER REGRET!