13 Best Credit Cards For First-Time Applicants In The Philippines

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Which card best fits your needs?

Think you’re ready to finally get your first credit card? Then you’ve come to the right place. Read on to find the best credit card for first time applicants Philippines!

Applying for a credit card for the first time can be a bit tricky. Getting approved for a first credit card can be extra challenging because of the stringent process, but choosing the right starter credit card makes the process much easier.

The starter cards listed here have low monthly income requirements, making it easier for first-time applicants to get approved.

best credit card for first time applicants philippines

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For the best credit card for first time applicants Philippines, see below:

1. BPI Edge Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individualEmployed, Filipino resident 
Interest rate: 3.5% per month
Annual fee: ₱1,320 (1st year annual fee waived)
Special features: Get reward points and discounts when you shop at certain merchants. ₱50 = 1 point.

To apply, click here.

To check Real Thrills Rewards Scheme, click here.

2. BDO Shopmore Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Interest rate: 3.5% per month
Annual fee: ₱1,500
Special features: Free SM advantage card.  Get up to ₱10,000 rebate at Shopmore affiliated stores on select days.

To apply, click here.

3. Metrobank M Free/Lite Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Interest rate: 3.54% for M Free and 2.78% for M Lite per month
Annual fee: Free for life!
Special features: Has an embedded chip to protect you from credit card fraud. Get discounts, free gifts, and deals at M Here partner establishments. 0% instalment programs from 3, 6, 9, 12, 18 and 24 months with a wide range of merchants.

To apply, click here.

4. Bank of Commerce Classic MasterCard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 18 years old
Monthly income requirement: ₱10,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Annual Fee: ₱1,200 (Free for the first year)
Interest: 3.25% per month
Special features: Get 1 rewards point for every ₱25 spent on your Bank of Commerce Mastercard credit card – earn 5x as many points when spending at selected vendors.

To apply, click here.

5. PNB Essential Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Interest rate: 3.25% per month
Annual fee: ₱1,200
Special features: Earn 1 Mabuhay mile for every ₱50 spent on any category. Enjoy free travel insurance up to ₱1M when you charge your fare to your PNB Essentials MasterCard.

To apply, click here.

6. Citi Simplicity+ Card

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 18 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Annual Fee: Free for life!!
Interest: 3.50% per month
Special features: No late charges and no over-limit fees. Get a 10% interest payback when you settle at least the minimum amount on or before your due date.

To apply, click here.

7. AUB Easy Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: n/a
Monthly income requirement: ₱10,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Interest rate: 2.95% per month
Annual fee: Free
Special features: The only credit card that gives you the freedom to choose when and how much you want to pay! Get 1 reward point for every ₱20 spent.

To apply, click here.

8. EastWest Practical MasterCard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱10,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Annual Fee: ₱1,400
Interest: 3.25% per month
Special features: Get up to 20% discount when shopping at partner establishments!

To apply, click here.

9. HSBC Red MasterCard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 15 years old
Monthly income requirement: ₱13,500
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Annual Fee: ₱1,500 (free for the first year)
Interest: 3.50% per month
Special features: Get 4x bonus points and redeem items, GCs, and even air miles.

To apply, click here.

10. RCBC Bankard myDream JCB

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Annual Fee:
₱800 (waived for the first year)
Interest: 2.90% per month
Special features: Has the lowest interest rate and annual fee among RCBC Bankard’s classic cards

To apply, click here.

11. BPI Blue Mastercard

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual
Interest rate: 3.5% per month
Annual fee: ₱1,320 (1st year annual fee waived)
Special features: Get reward points and discounts when you shop at certain merchants. ₱50 = 1 point. Spend₱140 for 1 AirAsia BIG air mile.

To apply, click here.

To check Real Thrills Rewards Scheme, click here.

12. Security Bank Mastercard Classic

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual 
Interest rate: 3.5% per month
Annual fee: ₱2,000 (1st year annual fee waived)
Special features: Get 15% discount from selected merchants! Receive 1 rewards point for every ₱20 spent  

To apply, click here.

13. BDO Visa Classic

Minimum age requirement: 21 years old
Supplementary card holder age requirement: 13 years old
Monthly income requirement: ₱15,000
Eligibility: Employed/self-employed, Filipino resident/Resident foreign individual 
Interest rate: 3.25% per month
Annual fee: ₱1,500 (1st year annual fee waived)
Special features: Enjoy interest free payment plans when purchasing from any of 3,000 stores nationwide. Receive 1 rewards point for every ₱50 spent

To apply, click here.

We hope this article on the best credit card for first time applicants Philippines was helpful!

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