11 Credit Cards for First-Time Applicants in the Philippines

Venus Zoleta
·15 min read
Credit Cards for First Timers in the Philippines | Moneymax
Credit Cards for First Timers in the Philippines | Moneymax

Thinking of applying for a credit card? One of the first things you should know is that credit card companies will look at your credit history.

Banks are after low-risk, consistent payers. Having a credit history[1] shows that you can responsibly use your credit card and not go over your credit limit. This is good for banks but difficult for those who are looking for credit cards for first-timers.

If you’re a fresh graduate starting your first job, you may have difficulty getting approved for a credit card, more so if you don’t have any billing statements proving your capacity to pay.

Don’t let the stringent process for credit card approval dishearten you. As long as you find out the credit card that you’re most qualified for and suits your needs best, you’ll go along just fine.

Features to Look For in a Credit Card for First-Timers

credit cards for first timers - important features
credit cards for first timers - important features

To trim down your options and save the most money, here are the things to prioritize when choosing the best credit card for beginners in the Philippines.

Low annual fee

Consider only cards with annual fees not exceeding PHP 2,000 so you can save money in the long run. Ideally, choose one with no annual fee for life.

Low income requirement

Most first-time applicants have entry-level income. If you don’t earn that much, look for credit cards for first-timers with a minimum income requirement that’s equal to or lower than your income.

Low credit card fees

Focus on the two most common fees: the late payment fee and the over credit limit fee (sometimes called overlimit fee). While you can avoid them by being a responsible credit cardholder, it’s still best to pay minimal credit card fees for when you forgot to pay your bill or unknowingly maxed out your card.

Your desired credit card perks

Most credit cards for first-timers in the Philippines don’t offer as many privileges as the premium types of cards. Still, you can find credit cards for starters with perks that appeal to you, whether you want a card with rewards on shopping, travel, dining, or any other spending category.

Top Credit Cards for First-Timers in the Philippines

CREDIT CARD

FEATURES & BENEFITS

CITI SIMPLICITY+

credit cards for first-timers - citi simplicity+

AUB EASY MASTERCARD

credit cards for first-timers - aub easy mastercard

AUB CLASSIC MASTERCARD

credit cards for first-timers - aub classic mastercard

METROBANK M FREE MASTERCARD

credit cards for first-timers - metrobank m free mastercard

METROBANK ON INTERNET MASTERCARD

credit cards for first-timers - metrobank on virtual mastercard

RCBC BANKARD FLEX VISA

credit cards for first-timers - rcbc bankard flex visa

UNIONBANK CLASSIC VISA

credit cards for first-timers - unionbank classic visa

Know more about the best credit cards for first-timers below:

1. Citi Simplicity+

credit cards for first timers - citi simplicity+
credit cards for first timers - citi simplicity+

Citibank’s Simplicity+ is a no-frills credit card that’s easy to qualify for and affordable to own. First-time cardholders are less likely to incur high credit card fees, as the Citi Simplicity+ doesn’t come with an annual fee, late payment fee, and overlimit fee. Plus, they get 10% back on interest charges when making timely payments of at least the minimum amount due. Definitely one of the top recommended credit cards for first-timers.

📌 Citi Simplicity+ Features and Benefits

  • 10% back on interest charges if you pay at least the minimum balance on or before the due date

  • 0% installment on purchases for up to 24 months

  • Deals and discounts in the Philippines and in 90 other countries

💳 Citi Simplicity+ Fees and Charges

  • Annual fee: No annual fee for life

  • Interest rate: 2%

  • Late payment fee: None

  • Over credit limit fee: None (Transactions are declined once the credit limit is exceeded.)

✅ Citi Simplicity+ Application Requirements

  • Minimum monthly income: PHP 20,833.33

  • At least 21 years old

  • Active landline or mobile number

  • Valid ID

  • Valid TIN/SSS/GSIS/UMID number

  • Latest one-month payslip/Latest ITR (BIR Form 2316)/Certificate of Employment

  • Bank statement of payroll account showing the applicant’s one-month salary

Related article: Citibank Credit Card Application: An Easy 5-Step Guide

2. AUB Easy Mastercard

credit cards for first timers - aub easy mastercard
credit cards for first timers - aub easy mastercard

AUB offers credit card payment flexibility with the Easy Mastercard. You can pick the payment terms (i.e., when, how often, and how much to pay) most favorable to your situation, so you can avoid getting into credit card debt. For instance, you can set your due date during or after your payday. This is one of the pro tips for those who are looking at credit cards for first-timers.

The AUB Easy Mastercard is also cheap to own because its annual fee is waived for life. Plus, you can earn rewards points on your purchases using the card.

📌 AUB Easy Mastercard Features and Benefits

  • Choose your preferred payment frequency, due date, and minimum payment due

  • 1 rewards point per PHP 20 spend

💳 AUB Easy Mastercard Fees and Charges

  • Annual fee: No annual fee for life

  • Interest rate: 2%

  • Late payment fee: PHP 175 (weekly payment option) / PHP 350 (semi-monthly payment option) / PHP 700 (monthly payment option) or the unpaid minimum amount due, whichever is lower

  • Over credit limit fee: None (Transactions are declined once the credit limit is exceeded.)

✅ AUB Easy Mastercard Application Requirements

  • Minimum monthly income: PHP 21,000

  • 21 to 65 years old

  • At least one-year regular employment status/profitable business operation/professional practice

  • At least one home or office landline number and mobile number

  • Valid ID

  • Latest ITR/Certificate of Employment/one-month payslip (for employed)

  • Latest ITR (BIR Forms 1701 and 1701Q)/financial statements/DTI business name registration (for self-employed)

3. AUB Classic Mastercard

credit cards for first timers - aub classic mastercard
credit cards for first timers - aub classic mastercard

Another AUB credit card with waived annual fees for life is the AUB Classic Mastercard. Comparing with the AUB Easy Mastercard, this credit card’s only difference is that it has more minimum amount due options.

📌 AUB Classic Mastercard Features and Benefits

  • Choose your preferred payment frequency, due date, and minimum payment due

  • 1 rewards point per PHP 20 spend

💳 AUB Classic Mastercard Fees and Charges

  • Annual fee: No annual fee for life

  • Interest rate: 2%

  • Late payment fee: PHP 175 (weekly payment option) / PHP 350 (semi-monthly payment option) / PHP 700 (monthly payment option) or the unpaid minimum amount due, whichever is lower

  • Over credit limit fee: None (Transactions are declined once the credit limit is exceeded.)

✅ AUB Classic Mastercard Application Requirements

  • Minimum monthly income: PHP 21,000

  • 21 to 65 years old

  • At least one-year regular employment status/profitable business operation/professional practice

  • At least one home or office landline number and mobile number

  • Valid ID

  • Latest ITR/Certificate of Employment/one-month payslip (for employed)

  • Latest ITR (BIR Forms 1701 and 1701Q)/financial statements/DTI business name registration (for self-employed)

4. Metrobank M Free Mastercard

credit cards for first timers - metrobank m free mastercard
credit cards for first timers - metrobank m free mastercard

If you’re a first-timer who wants a credit card from Metrobank, the M Free Mastercard makes the best choice. You can easily qualify with its low income requirement. Also, Metrobank doesn’t charge an annual fee on this card, so you can save money in the process.

📌 Metrobank M Free Mastercard Features and Benefits

  • Discounts, freebies, and other deals at M Here partner merchants

  • 0% interest on installment purchases for up to 24 months

💳 Metrobank M Free Mastercard Fees and Charges

  • Annual fee: No annual fee for life

  • Interest rate: 2%

  • Late payment fee: PHP 850 or the unpaid minimum amount due, whichever is lower

  • Over credit limit fee: PHP 750 per occurrence

✅ Metrobank M Free Mastercard Application Requirements

  • Minimum monthly income: PHP 15,000

  • 18 to 70 years old

  • Valid TIN/SSS/GSIS/UMID number

  • Home or office landline number and mobile number

  • At least six-month regular employment/At least two years in the current business

  • Valid ID

  • Latest ITR/Latest three-month payslips/Certificate of Employment (for employed)

  • Latest audited financial statement/Latest ITR (for self-employed)

  • Proof of income or employment and Alien Certificate of Registration (ACR)/Immigration’s Certificate of Residence (ICR)/visa (for foreign residents)

See more credit card choices for you:

5. Metrobank ON Virtual Mastercard

credit cards for first timers - metrobank on virtual mastercard
credit cards for first timers - metrobank on virtual mastercard

Are you a frequent online shopper? If yes, then the Metrobank ON Virtual Mastercard is a good choice for you. Apart from the low monthly income requirement, this credit card for beginners has a low annual fee, making it ideal for those who want to spend less on their credit card bills.

📌 Metrobank On Virtual Mastercard Features and Benefits

  • Earn 1 reward point for every PHP 20 spend

  • All virtual card so you can use it right away for online purchases

  • Get approved and receive your virtual card in as fast as 48 hours

  • 0% interest on installment purchases for up to 24 months

💳 Metrobank On Virtual Mastercard Fees and Charges

  • Annual fee: PHP 500 (free on the first year)

  • Interest rate: 2%

  • Late payment fee: PHP 850 or the unpaid minimum amount due, whichever is lower

  • Over credit limit fee: PHP 750 per occurrence

✅ Metrobank On Virtual Mastercard Application Requirements

  • Minimum monthly income: PHP 15,000

  • 18 to 70 years old

  • Valid TIN/SSS/GSIS/UMID number

  • Home or office landline number and mobile number

  • At least six-month regular employment/At least two years in the current business

  • Valid ID

  • Latest ITR/Latest three-month payslips/Certificate of Employment (for employed)

  • Latest audited financial statement/Latest ITR (for self-employed)

  • Proof of income or employment and Alien Certificate of Registration (ACR)/Immigration’s Certificate of Residence (ICR)/visa (for foreign residents)

6. PNB Classic Visa

credit cards for first timers - pnb classic visa
credit cards for first timers - pnb classic visa

This PNB credit card is one of the best credit cards for first-timers with low income because of its low minimum income requirement and low annual fee. It’s also a good credit card for travelers, as the card comes with travel insurance and purchase protection insurance.

📌 PNB Classic Visa Features and Benefits

  • Up to PHP 1 million travel insurance

  • Up to PHP 250,000 purchase protection insurance

  • 0% interest on installment purchases for up to 24 months

💳 PNB Classic Visa Fees and Charges

  • Annual fee: PHP 300 (free for the first year)

  • Interest rate: 2%

  • Late payment fee: 7% of the unpaid minimum amount due

  • Over credit limit fee: PHP 300

✅ PNB Classic Visa Application Requirements

  • Minimum monthly income: PHP 10,000

  • 21 to 65 years old

  • Filipino citizen or foreign resident in the Philippines

  • At least one-year regular employment status/two-year profitable self-employment status

  • Valid ID

  • Latest three-month payslips/Latest ITR/Certificate of Employment (for employed)

  • Latest ITR/Latest audited financial statements/DTI or SEC registration papers (for self-employed)

7. EastWest Practical Mastercard

credit cards for first timers - eastwest practical mastercard
credit cards for first timers - eastwest practical mastercard

The Practical Mastercard is perfect for newbies on a tight budget who are looking for a credit card for beginners with a low interest rate. The annual fee is quite affordable and can be paid every month, quarter, or year—whichever payment term works best based on your budget.

📌 EastWest Practical Mastercard Features and Benefits

  • Option to pay the annual fee either monthly, quarterly, or annually

  • 0% interest on select items and installment terms

💳 EastWest Practical Mastercard Fees and Charges

  • Annual fee: PHP 1,400 (free for the first year)

  • Interest rate: 2%

  • Late payment fee: 8% of the minimum amount due

  • Over credit limit fee: PHP 500 per occurrence

✅ EastWest Practical Mastercard Application Requirements

  • Minimum monthly income: PHP 10,000

  • At least 21 years old

  • Filipino citizen or foreign resident in the Philippines

  • Home landline or mobile number and business/office landline

  • Valid ID

  • Latest ITR, Certificate of Employment, and latest three-month payslips (for employed)

  • Latest ITR and latest audited financial statement (for self-employed)

  • ACR with permanent status/visa/embassy certification (for foreign residents)

Read more: Earning Below P20,000? Consider These Credit Cards for Low Income Earners

8. BPI Family Savings Credit Card

credit cards for first timers - bpi family savings card
credit cards for first timers - bpi family savings card

The BPI Family Savings Credit Card is one of the BPI cards with the lowest interest rates and annual fees. Designed for daily spending, it makes owning and maintaining a credit card easy on the budget.

💳 BPI Family Credit Card Fees and Charges

  • Annual fee: PHP 1,350 (free for the first year)

  • Interest rate: 2%

  • Late payment fee: PHP 850 or the unpaid minimum amount due, whichever is lower

  • Over credit limit fee: None (Transactions are declined once the credit limit is exceeded.)

✅ BPI Family Bank Credit Card application requirements

  • Minimum monthly income: PHP 15,000

  • 21 to 60 years old

  • Home or business landline number

  • Valid ID

  • Certificate of Employment/Latest two payslips/Latest ITR (for employed)

  • Latest audited financial statements and latest ITR (for self-employed)

  • POEA-validated employment contract, overseas employment certificate (OEC), and latest two-month proof of remittance (for OFWs)

  • ACR/Work permit/Embassy accreditation papers (for foreign residents)

Related article: Quick and Easy Guide to BPI Credit Card Application

9. RCBC Bankard Flex Visa

credit cards for first timers - rcbc bankard flex visa
credit cards for first timers - rcbc bankard flex visa

Ideal for traveling millennials, the RCBC Flex Visa card comes with usual travel perks like travel insurance and airport lounge access. It allows earning rewards points faster in two out of four spending categories (dining/clothing/transportation/travel). You can choose to double your credit card rewards in different categories per billing cycle. A convenient option to consider when looking at credit cards for first-timers.

📌 RCBC Flex Visa Features and Benefits

  • 2x rewards in two preferred spending categories

  • Travel insurance

  • Free Skyview Airport Lounge access

  • 0% interest on installment purchases for up to 36 months

💳 RCBC Flex Visa Fees and Charges

  • Annual fee: PHP 1,500 (free for the first year)

  • Interest rate: 2%

  • Late payment fee: PHP 400 to PHP 600

  • Over credit limit fee: PHP 500

✅ RCBC Flex Visa Application Requirements

  • Minimum monthly income: PHP 20,833.33

  • 21 to 65 years old

  • Mobile number and office landline number

  • Valid ID

  • Latest ITR/Latest one-month payslip/Certificate of Employment issued within the last six months (for employed)

  • Latest ITR/audited financial statement (for self-employed)

10. Security Bank Classic Rewards Mastercard

credit cards for first timers - security bank classic rewards
credit cards for first timers - security bank classic rewards

This Security Bank credit card’s annual fee may be quite higher than those other cards on this list, but it’s still a great option for first-timers who want a card that earns rewards fast. With its earn rate of 1 point per only PHP 20, this is one of the best rewards credit cards in the Philippines.

📌 Security Bank Classic Rewards Mastercard Features and Benefits

  • 1 rewards point per PHP 20 spend

  • eSecure feature that sets transaction limits for online shopping

💳 Security Bank Classic Rewards Mastercard Fees and Charges

  • Annual fee: PHP 2,000

  • Interest rate: 2%

  • Late payment fee: PHP 600 or 6% of the minimum amount due, whichever is lower

  • Over credit limit fee: PHP 500 per occurrence

✅ Security Bank Classic Rewards Mastercard Application Requirements

  • Minimum monthly income: PHP 15,000

  • 21 to 65 years old

  • Filipino citizen and Philippine resident

  • At least one-year regular employment/three-year profitable self-employment

  • Landline number

  • Valid ID

  • ITR/Certificate of Employment/Three-month payslips with company ID (for employed)

  • DTI/SEC registration papers and ITR/three-year audited financial statements (for self-employed)

Read more: Best Rewards Credit Cards in the Philippines

11. UnionBank Classic Visa

credit cards for first timers - unionbank classic visa
credit cards for first timers - unionbank classic visa

If you want a simple first credit card for your day-to-day purchases, this UnionBank credit card might be just what you need. A notable feature of the UnionBank Classic Visa card is its free life insurance, which pays up to PHP 400,000 for the cardholder’s outstanding balance upon his/her death or permanent disability. This eases the burden of the cardholder’s family should any unfortunate event happen.

📌 UnionBank Classic Visa Features and Benefits

  • 1 rewards point per PHP 35 spend

  • Exclusive discounts, freebies, and other perks on shopping, dining, leisure, and services nationwide

  • 0% interest on installment purchases for up to 36 months

  • Up to PHP 400,000 life insurance

💳 UnionBank Classic Visa Fees and Charges

  • Annual fee: PHP 1,500

  • Interest rate: 2%

  • Late payment fee: PHP 750

  • Over credit limit fee: PHP 500

✅ UnionBank Classic Visa Application Requirements

  • Minimum monthly income: PHP 30,000

  • 18 to 60 years old

  • Filipino citizen or foreign resident in the Philippines

  • At least one-year employment/profitable business operation

  • Two valid IDs

  • Latest ITR/Latest payslips/Certificate of Employment (for employed)

  • Latest ITR/audited financial statement (for self-employed)

  • ACR (for foreign residents)

Final Thoughts

Credit cards are useful tools and are not as bad as you think. They enable you to build your credit history, which will help you in applying for loans and mortgages in the future. As long as you pay the full balance each month and avoid hidden charges, you’re on the right track to getting your first credit card.

Ready to get your first credit card? If this list for credit cards for first-timers helped you, refer to this guide on how to apply for a credit card in the Philippines.

Enjoy no annual fees forever!
Enjoy no annual fees forever!

Source: [1] Credit Basics (Transunion Philippines)

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