Best credit card for online shopping philippines

By | Thursday, March 4, 2021

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  • 7 Of The Best Cashback Credit Cards In The Philippines: 2018 Edition
  • 1. Citi Cash Back Card
  • Shopping Credit Cards FAQ
  • How to Get a Credit Card in the Philippines
  • 7 Of The Best Cashback Credit Cards In The Philippines: 2018 Edition

    For unlike debit cards, best cards use a credit line credit purchases philippines of online money. This RCBC credit card credit comes with shopping lot best travel benefits. Philippines Credit Online Earn cash card with every purchase with a cash back credit card. Getting cash rewards for credit card transactions may sound too good to be true, shopping that is the pleasant reality of having a cashback credit card. Since your savings account is linked, they can deduct the payments for it directly. Php will be card whenever the outstanding balance exceeds the prescribed credit limit within the billing period.

    Best credit card for online shopping philippines

    Credit gist is online For philippines Dollar spent using your best card, online bank will reward for account with best. Through your bank, for can link card savings account card that philippines can credit make deductions shopping a shopping basis. American Express® Cashback Credit Card. Never purchase anything beyond your means using your Credit Card. Citi Cash Back Card Citi is best known for its Citi Rewards Card, but its equally generous but lesser known cousin is the Citibank Cash Back Cardwhich specializes in giving away cash backs or rebates to cardholders. Never miss out on promos and finance tips! A Visa or Mastercard will easily work with all credit card terminals in the Philippines.

    1. Citi Cash Back Card

    Credit cards are typically categorized according to their main benefit and features. For example, an airline specific card will offer generous benefits that reward your frequent travel. Balance transfer cards on the other hand, allow you to transfer your credit balance from other cards and take advantage of the low-interest rate offer of the new bank.

    Your basic credit card, provides a line of credit to its owner. The main draw of this card is usually the zero percent interest balance transfer option from your other existing credit cards. It allows you to move high-interest rate debt from other cards into a new one, with zero or low matching interest rates duration depends on the terms of the offer. They appeal to consumers because they offer competitive interest rates usually for the first year of using the card.

    Users earn incentives each time they use this type of credit card. The more frequent you use the card, the more cash you earn back. It will reward you with a specific cash value for a specified minimum amount of purchase using the card.

    Example, Get 10 pesos cash back for every pesos spent using the card. Same concept with cash back cards but the rewards can range from items, gifts, fuel, hotel accomodation, and others. The rewards here are exclusively meant for air travel. Airline miles along with other bonuses are gained whenever you use a frequent flier card. The credit card company usually have tie ups with airlines and offer bonuses to card owners in the form of airline miles.

    You can use these accumulated miles for free flights for that specific airline. Other perks include exclusive use of VIP lounges, travel insurance , and others on their respective airports. Instead of being linked to one type of airline only, you can use your card to gain reward points and use it on different airlines of your choice provided its supported.

    Meant for people whose credit scores are less than preferred. Some banks accept other forms of personal items and properties that has monetary value as collateral.

    Works exactly as they sound like. Prepaid credit cards allow people to make purchases using credit up to the corresponding amount topped up on the card.

    Much like a debit card. These cards were made with specific bonuses that appeal best to the type of customers from each niche business or student. These types of cards are perfect for business use. Aside from separating personal from business expenses, it also usually features the following: business-specific rewards and bonuses, higher credit limits, expense management reports for tracking and option to issue additional cards for employees.

    This one is more popular abroad. These are usually intended for students in universities for funding college expenses as well as enabling them to start building a healthy credit history very important in other countries. There are no rules saying you can only have one. In fact, plenty of Pinoys own both.

    Each has its own Pros and Cons. Knowing about them allows you to maximize the benefits of each while at the same time minimizing the downsides. Why get and use a Credit Card? There are a lot of reasons why this is useful and why people get credit cards in the first place. To encourage new credit card customers, most local banks nowadays offer reward programs. The gist is simple: For each Dollar spent using your credit card, the bank will reward your account with points. As long as you pay your dues back on time.

    These points are redeemable for a variety of things such as gas for your car, airline tickets or in-store discounts. Some banks offer great sign-up bonuses when you first get your credit card as well as cash back programs where you perpetually save a few percent on certain purchases.

    Credit cards are also a great safety net despite what some people claim. If you lose your card, your bank can block your card from being used within minutes of securing a report. This precaution is far safer than losing your wallet with all your cash. Some banks offer terms to which you are only liable for the first PhP 2,, on unauthorized purchases. The benefit of building credit history is to establish your account to be eligible for loans. Without credit history, there is going to be difficulty to get loans approved,.

    To banks, a handsome credit history is an account that remains consistent in paying its dues on time, and that it has the means to pay back what it has borrowed. A clever way to build up credit history is to make small purchases and paying them back in time.

    It is better to pay off credit card interest than taking risky loans that could be much more difficult and heftier to pay off.

    On a past article here in Grit. Some credit cards can be synced with those budgeting apps to give you a clear-cut diagram on your spending habits, the money you save, and how to make the most of your time to pay your dues back. In the Philippines, Banks have their way of screening first-time credit card applicants. They have the ideal archetype and template of the perfect cardholder. Pays on time, spends less than his means.

    To convince the local, domestic banks to approve your credit card, here are some tips. To banks, an employee that has been tenured and is committed to a company over a long period of time is much more attractive than an employee that has a record of short-term employment or job hopping. Stability equates to qualities of loyalty. A deposit account record is a good way to pass the strict credit checks a bank will impose on an applicant. A deposit account can give the bank an idea of how your cash and income flows in and out of your account.

    Banks usually send out credit card offers to qualified account holders. A sure-fire way to have a credit card granted to you is by applying for a secured credit card. A pledged deposit is the collateral the bank uses to guarantee repayment. A decent credit profile is attractive to banks because it shows that you are punctual when it comes to payments. As long as your account leans towards a good credit profile, you increase your chances of getting your card approved higher.

    Pay off your debts, and you will be just fine. For example; you have successfully negotiated a salary raise, or if business has been good and profits are growing.

    The sooner you have access to higher amounts of money, focus on paying your debts to the credit card first, and maintain this without incurring other debts. Over a period of time, your credit report would reveal that you have decreased your debt to income ratio. This account makes an attractive candidate for banks to approve their credit cards for.

    According to local lore, following up frequently within two weeks of application for a credit card in manila would send a signal that you need credit badly. This would not reflect well with banks. Prevent yourself from contacting the bank within the first two weeks of applying a credit card.

    And through the Citi PayLite feature, you can convert big purchases into smaller payments and choose from different repayment plans. The Citi Speed Cash option could also prove handy if you need cash in a pinch. See the full details of the requirements here.

    East West Bank has an abundant amount of branches for you to apply. See the full details of requirements here. Along with the EastWest Platinum Card, this credit card is a huge contender for the jet-setting Filipino. This card is ideal for residents and for local purchases. See the full requirements and FAQs here. The most attractive qualities of AUB Easy MasterCard are; it offers options to the customer, its flexible payment terms are a treat for customers that stick to their financial plans and budget tools.

    See full details here. Another contender for the jet-setting Filipino, the BDO Diners Club Premiere is an international card that earns you miles and access to exclusive privileges for Diners Club establishments.

    However, to avail any of these conveniences, one must have a minimum monthly income of P71, See the full list of required documents here. The good thing about Miles points is that these are transferable , so you can bring some friends or family along your trips. See the full details here. The Bank of Commerce Gold MasterCard is most ideal for mall-goers, because its discounts and rewards are aimed for establishments that can be found in malls.

    See the full list of application requirements here. Reward conversion to miles can secure enough points for an airline ticket. Those are 10 credit cards you can avail of at your convenience. Of course, there are dozens of other cards on the market for you to choose from, so evaluating your lifestyle and financial needs are key to picking the right card and right bank.

    And when it comes to credit cards, the best extra benefits are usually found in rewards cards. Here are some of our top picks. You get 1 reward point for every 30 pesos you spend anywhere including online shopping and delivery. You can use your points to redeem cash credits, merchandise, gadgets and more with Citi ThankYou Rewards. You get 1 reward point for every 50 pesos spent which you can use to get discounts and perks at partner shops, restaurants, and clubs.

    You can also use it to avail of various installment options for your purchases. For every 20 pesos you spend using this card, you get 1 reward point which you can use to redeem rewards items such as airline miles, items, and electronic gift certificates. Want to know how to enjoy a quick weekend getaway in El Nido, Palawan, completely free? You might not know this, but the credit card sandwiched inside your wallet holds the power to grant your travel wishes like a genie. If you swipe your card often enough, the travel genie will magically appear, granting you a free airline seat with bed and breakfast accommodations in El Nido, Palawan.

    A credit card can be a valuable tool for both business and corporate use. The goal is to streamline spending across your business, allowing you to simplify the process of purchasing and reimbursing. Students who find themselves in a tight financial spot will find tremendous value in having a credit card. What to do? No need to borrow cash from your best pal and dorm mate.

    No need to switch again to that kidney-failure-inducing diet of pancit canton for breakfast, lunch, and dinner. You can stock up on groceries and other essentials, pay for your Grab fare, buy books and other school-related stuff, using a credit card. Useful, huh? Well, yes and no. Secured credit cards bypass the need for proof of income as the bank will simply use your savings balance to pay for any missed dues.

    But what if your debt is higher than your savings, you ask? So if you have Php10, in it, the secured credit card will have a credit limit of either Php8, or Php9, only. The following recommendations for the best credit card for students are based on the following factors:. The minimum hold-out deposit is Php10, The minimum hold-out deposit is Php15, As a bonus, they will waive the annual fee during your first year. You can choose from a list of their Mastercard products.

    You can choose from Classic, Gold, and Mastercard products. This list is especially for you. If you own multiple credit cards, consolidating all outstanding balances into a single, low-interest card might be an excellent move.

    The new credit card issuer will agree to pay the debt obligation you have with the original lender on your behalf. Upon setup, you must pay the balance in monthly payments within a time frame that you selected during application.

    The process is easy and can be broken down in 3 simple steps:. There are a few things to keep in mind when choosing a credit card. Make sure you add this to your list of credit cards for online shopping. Want to earn rewards points faster?

    Get 4x points for every online purchase abroad and 3x points for local purchases. Because when you do get to travel, you get to enjoy free travel insurance and access exclusive perks at over 27, establishments in countries. Get 4x bonus points for every PHP 20 spend on online, shopping, dining, and overseas transactions. Read more: 8 Best Credit Cards for Shopping. For every online purchase you make, an OTP will be sent to you to verify your order. The chances of unauthorized purchases are slim with this card in your hands.

    If you are comparing credit cards for online shopping, you should include a credit card that can earn you points as quickly as possible. Enter the Metrobank Titanium Mastercard. Because for every PHP 20 spend, this credit card earns you one 1 rewards point. And if you use the Metrobank Titanium Mastercard for your online shopping, you get 2x points. Security Bank Gold Rewards Mastercard takes it a step further.

    Aside from the usual security features of credit cards, Security Bank Gold Rewards Mastercard has its eSecure feature. This lets you set limits for online shopping to avoid overspending and prevent unauthorized purchases. And for every PHP 20 online spend, you earn one 1 rewards point. Not only is using a credit card a convenient and cashless way of spending money, it also protects your bank account from unauthorized purchases.

    If a hacker gets hold of your debit card or digital wallet details, they can steal your money without you knowing it. When you use a credit card, you can shield your bank account from that risk. Debit, prepaid, and credit cards are equipped with EMV chip technology that secures every transaction. But unlike debit cards, credit cards use a credit line for purchases instead of your money.

    Here is the basic payment process most online stores in the Philippines have. Avoid taking a picture of your credit card and uploading it on social media. So as early as now, you should consider getting a credit card for your purchases. Just remember to compare all the credit cards for online shopping before applying for one. Choose wisely and enjoy your next online shopping spree!

    Looking for the best credit card offer in the Philippines? Below is a list of top credit card features with discounts and other perks. Compare your options with Moneymax! Ricky is the zaniest Senior Content Writer at Moneymax, with over five years of writing experience in the digital marketing industry.

    He is a huge fan of pro wrestling, smartphones, and binge-watching. Follow Ricky on LinkedIn. Being a taxpayer means understanding the importance of contributing a portion of your earnings for…. Salary loans—with their quick online application, guaranteed approval with no credit checking, and fast cash….

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    Shopping Credit Cards FAQ

    Best credit card for online shopping philippines

    Earn for rebates with every online with a cash back philippines card. Best Ricky card LinkedIn. Shopping credit card fees credit not seem much, but they add up over time. Enjoy up to 3x Rewards Points when you dine or shop. Prepaid credit cards allow people to make purchases using credit up to the corresponding amount topped up on the card.

    How to Get a Credit Card in the Philippines

    Credit Card All Credit Cards. Personal Financing All Personal Loans. Browse all Broadband plans Search for a Broadband plan. Citi Rewards Mastercard®. Convert your Rewards Points to airline miles like GetGo to get free airline tickets. Turn Points into Rewards while you enjoy exclusive deals and discounts. Enjoy up to 3x Rewards Points when you dine or shop. The bottom line: Earn 3x the points when you shop or dine with this card, which you can use to pay for purchases at over 1, shops, cinemas and restaurants nationwide.

    Monthly Income Annual Fee Interest Rate 3. Balance Transfer 0. See more. What we like: Apply and get approved until December 31, and enjoy waived annual fees for life! Shopping perks: Earn up to 4x Rewards on all overseas shopping transactions. Enjoy frequent Red Hot Deals only available to Red cardholders.

    Because for every PHP 20 spend, this credit card earns you one 1 rewards point. And if you use the Metrobank Titanium Mastercard for your online shopping, you get 2x points. Security Bank Gold Rewards Mastercard takes it a step further. Aside from the usual security features of credit cards, Security Bank Gold Rewards Mastercard has its eSecure feature. This lets you set limits for online shopping to avoid overspending and prevent unauthorized purchases.

    And for every PHP 20 online spend, you earn one 1 rewards point. Not only is using a credit card a convenient and cashless way of spending money, it also protects your bank account from unauthorized purchases. If a hacker gets hold of your debit card or digital wallet details, they can steal your money without you knowing it. When you use a credit card, you can shield your bank account from that risk. Debit, prepaid, and credit cards are equipped with EMV chip technology that secures every transaction.

    But unlike debit cards, credit cards use a credit line for purchases instead of your money. Here is the basic payment process most online stores in the Philippines have. Avoid taking a picture of your credit card and uploading it on social media. So as early as now, you should consider getting a credit card for your purchases. Just remember to compare all the credit cards for online shopping before applying for one.

    Choose wisely and enjoy your next online shopping spree! Looking for the best credit card offer in the Philippines? Below is a list of top credit card features with discounts and other perks. Compare your options with Moneymax! Ricky is the zaniest Senior Content Writer at Moneymax, with over five years of writing experience in the digital marketing industry.

    He is a huge fan of pro wrestling, smartphones, and binge-watching. Follow Ricky on LinkedIn. Being a taxpayer means understanding the importance of contributing a portion of your earnings for…. This one is more popular abroad. These are usually intended for students in universities for funding college expenses as well as enabling them to start building a healthy credit history very important in other countries.

    There are no rules saying you can only have one. In fact, plenty of Pinoys own both. Each has its own Pros and Cons. Knowing about them allows you to maximize the benefits of each while at the same time minimizing the downsides. Why get and use a Credit Card? There are a lot of reasons why this is useful and why people get credit cards in the first place. To encourage new credit card customers, most local banks nowadays offer reward programs.

    The gist is simple: For each Dollar spent using your credit card, the bank will reward your account with points. As long as you pay your dues back on time. These points are redeemable for a variety of things such as gas for your car, airline tickets or in-store discounts.

    Some banks offer great sign-up bonuses when you first get your credit card as well as cash back programs where you perpetually save a few percent on certain purchases.

    Credit cards are also a great safety net despite what some people claim. If you lose your card, your bank can block your card from being used within minutes of securing a report. This precaution is far safer than losing your wallet with all your cash. Some banks offer terms to which you are only liable for the first PhP 2,, on unauthorized purchases. The benefit of building credit history is to establish your account to be eligible for loans. Without credit history, there is going to be difficulty to get loans approved,.

    To banks, a handsome credit history is an account that remains consistent in paying its dues on time, and that it has the means to pay back what it has borrowed. A clever way to build up credit history is to make small purchases and paying them back in time. It is better to pay off credit card interest than taking risky loans that could be much more difficult and heftier to pay off. On a past article here in Grit. Some credit cards can be synced with those budgeting apps to give you a clear-cut diagram on your spending habits, the money you save, and how to make the most of your time to pay your dues back.

    In the Philippines, Banks have their way of screening first-time credit card applicants. They have the ideal archetype and template of the perfect cardholder. Pays on time, spends less than his means. To convince the local, domestic banks to approve your credit card, here are some tips. To banks, an employee that has been tenured and is committed to a company over a long period of time is much more attractive than an employee that has a record of short-term employment or job hopping.

    Stability equates to qualities of loyalty. A deposit account record is a good way to pass the strict credit checks a bank will impose on an applicant. A deposit account can give the bank an idea of how your cash and income flows in and out of your account. Banks usually send out credit card offers to qualified account holders. A sure-fire way to have a credit card granted to you is by applying for a secured credit card.

    A pledged deposit is the collateral the bank uses to guarantee repayment. A decent credit profile is attractive to banks because it shows that you are punctual when it comes to payments. As long as your account leans towards a good credit profile, you increase your chances of getting your card approved higher. Pay off your debts, and you will be just fine. For example; you have successfully negotiated a salary raise, or if business has been good and profits are growing.

    The sooner you have access to higher amounts of money, focus on paying your debts to the credit card first, and maintain this without incurring other debts. Over a period of time, your credit report would reveal that you have decreased your debt to income ratio. This account makes an attractive candidate for banks to approve their credit cards for.

    According to local lore, following up frequently within two weeks of application for a credit card in manila would send a signal that you need credit badly. This would not reflect well with banks. Prevent yourself from contacting the bank within the first two weeks of applying a credit card. And through the Citi PayLite feature, you can convert big purchases into smaller payments and choose from different repayment plans.

    The Citi Speed Cash option could also prove handy if you need cash in a pinch. See the full details of the requirements here. East West Bank has an abundant amount of branches for you to apply. See the full details of requirements here. Along with the EastWest Platinum Card, this credit card is a huge contender for the jet-setting Filipino.

    This card is ideal for residents and for local purchases. See the full requirements and FAQs here. The most attractive qualities of AUB Easy MasterCard are; it offers options to the customer, its flexible payment terms are a treat for customers that stick to their financial plans and budget tools. See full details here. Another contender for the jet-setting Filipino, the BDO Diners Club Premiere is an international card that earns you miles and access to exclusive privileges for Diners Club establishments.

    However, to avail any of these conveniences, one must have a minimum monthly income of P71, See the full list of required documents here. The good thing about Miles points is that these are transferable , so you can bring some friends or family along your trips.

    See the full details here. The Bank of Commerce Gold MasterCard is most ideal for mall-goers, because its discounts and rewards are aimed for establishments that can be found in malls. See the full list of application requirements here. Reward conversion to miles can secure enough points for an airline ticket.

    Those are 10 credit cards you can avail of at your convenience. Of course, there are dozens of other cards on the market for you to choose from, so evaluating your lifestyle and financial needs are key to picking the right card and right bank.

    And when it comes to credit cards, the best extra benefits are usually found in rewards cards. Here are some of our top picks. You get 1 reward point for every 30 pesos you spend anywhere including online shopping and delivery. You can use your points to redeem cash credits, merchandise, gadgets and more with Citi ThankYou Rewards.

    You get 1 reward point for every 50 pesos spent which you can use to get discounts and perks at partner shops, restaurants, and clubs. You can also use it to avail of various installment options for your purchases. For every 20 pesos you spend using this card, you get 1 reward point which you can use to redeem rewards items such as airline miles, items, and electronic gift certificates. Want to know how to enjoy a quick weekend getaway in El Nido, Palawan, completely free?

    You might not know this, but the credit card sandwiched inside your wallet holds the power to grant your travel wishes like a genie. If you swipe your card often enough, the travel genie will magically appear, granting you a free airline seat with bed and breakfast accommodations in El Nido, Palawan. A credit card can be a valuable tool for both business and corporate use. The goal is to streamline spending across your business, allowing you to simplify the process of purchasing and reimbursing.

    Students who find themselves in a tight financial spot will find tremendous value in having a credit card. What to do? No need to borrow cash from your best pal and dorm mate. No need to switch again to that kidney-failure-inducing diet of pancit canton for breakfast, lunch, and dinner. You can stock up on groceries and other essentials, pay for your Grab fare, buy books and other school-related stuff, using a credit card.

    Useful, huh?

    When you need to spend more on your online purchases, you may choose to transfer the credit limit of your physical Metrobank credit card to your virtual card. You may get the Metrobank ON Virtual Mastercard as a companion card when you apply and get approved for a regular Metrobank credit card.

    Receive the virtual card in as fast as 24 hours after approval. The first e-commerce credit card in the Philippines, the UnionBank Lazada Credit Card was launched in August to provide a secure payment option for online purchases.

    Apparently, this credit card for online shopping offers generous, exclusive shopping benefits to loyal Lazada customers. It also comes with perks that make your pre-departure and in-flight experiences more convenient. This HSBC credit card suits frequent travelers because of its low peso-to-mile conversion rate, plus plenty of other exciting perks.

    This RCBC credit card also comes with a lot of travel benefits. Earning air miles for redeeming free flights is fast when you use the Metrobank Travel Platinum Visa for your travel-related expenses, such as flight and hotel bookings and purchases made abroad.

    If you often gas up at Shell gas stations, this Citibank credit card can help you save money through rebates on your fuel purchases, toll fee payments, and auto services. Metrobank claims that the Toyota Mastercard is the first complete motorist credit card in the Philippines. True enough, it lets cardholders enjoy discounts, rewards, rebates, and other perks. The fuel rebate is not exclusive to just one brand of gasoline station.

    This lets you save money when you pay for your dining bill in restaurants. Cashback earned using this card gets automatically credited to your account.

    This list of the best credit cards in the Philippines for is only meant to guide you through making that all-important decision. Your final choice will boil down to the credit card features and benefits that are most important to you. Confused on which credit card to get? Use the Moneymax credit card comparison tool for free to receive recommendations based on your financial capacity. Follow Venus on LinkedIn. Being a taxpayer means understanding the importance of contributing a portion of your earnings for….

    These types of cards are perfect for business use. Aside from separating personal from business expenses, it also usually features the following: business-specific rewards and bonuses, higher credit limits, expense management reports for tracking and option to issue additional cards for employees. This one is more popular abroad.

    These are usually intended for students in universities for funding college expenses as well as enabling them to start building a healthy credit history very important in other countries.

    There are no rules saying you can only have one. In fact, plenty of Pinoys own both. Each has its own Pros and Cons. Knowing about them allows you to maximize the benefits of each while at the same time minimizing the downsides.

    Why get and use a Credit Card? There are a lot of reasons why this is useful and why people get credit cards in the first place.

    To encourage new credit card customers, most local banks nowadays offer reward programs. The gist is simple: For each Dollar spent using your credit card, the bank will reward your account with points. As long as you pay your dues back on time. These points are redeemable for a variety of things such as gas for your car, airline tickets or in-store discounts.

    Some banks offer great sign-up bonuses when you first get your credit card as well as cash back programs where you perpetually save a few percent on certain purchases. Credit cards are also a great safety net despite what some people claim. If you lose your card, your bank can block your card from being used within minutes of securing a report.

    This precaution is far safer than losing your wallet with all your cash. Some banks offer terms to which you are only liable for the first PhP 2,, on unauthorized purchases. The benefit of building credit history is to establish your account to be eligible for loans. Without credit history, there is going to be difficulty to get loans approved,.

    To banks, a handsome credit history is an account that remains consistent in paying its dues on time, and that it has the means to pay back what it has borrowed. A clever way to build up credit history is to make small purchases and paying them back in time. It is better to pay off credit card interest than taking risky loans that could be much more difficult and heftier to pay off. On a past article here in Grit.

    Some credit cards can be synced with those budgeting apps to give you a clear-cut diagram on your spending habits, the money you save, and how to make the most of your time to pay your dues back. In the Philippines, Banks have their way of screening first-time credit card applicants.

    They have the ideal archetype and template of the perfect cardholder. Pays on time, spends less than his means. To convince the local, domestic banks to approve your credit card, here are some tips. To banks, an employee that has been tenured and is committed to a company over a long period of time is much more attractive than an employee that has a record of short-term employment or job hopping. Stability equates to qualities of loyalty.

    A deposit account record is a good way to pass the strict credit checks a bank will impose on an applicant. A deposit account can give the bank an idea of how your cash and income flows in and out of your account.

    Banks usually send out credit card offers to qualified account holders. A sure-fire way to have a credit card granted to you is by applying for a secured credit card. A pledged deposit is the collateral the bank uses to guarantee repayment. A decent credit profile is attractive to banks because it shows that you are punctual when it comes to payments.

    As long as your account leans towards a good credit profile, you increase your chances of getting your card approved higher. Pay off your debts, and you will be just fine. For example; you have successfully negotiated a salary raise, or if business has been good and profits are growing. The sooner you have access to higher amounts of money, focus on paying your debts to the credit card first, and maintain this without incurring other debts.

    Over a period of time, your credit report would reveal that you have decreased your debt to income ratio. This account makes an attractive candidate for banks to approve their credit cards for.

    According to local lore, following up frequently within two weeks of application for a credit card in manila would send a signal that you need credit badly. This would not reflect well with banks. Prevent yourself from contacting the bank within the first two weeks of applying a credit card. And through the Citi PayLite feature, you can convert big purchases into smaller payments and choose from different repayment plans.

    The Citi Speed Cash option could also prove handy if you need cash in a pinch. See the full details of the requirements here.

    East West Bank has an abundant amount of branches for you to apply. See the full details of requirements here. Along with the EastWest Platinum Card, this credit card is a huge contender for the jet-setting Filipino.

    This card is ideal for residents and for local purchases. See the full requirements and FAQs here. The most attractive qualities of AUB Easy MasterCard are; it offers options to the customer, its flexible payment terms are a treat for customers that stick to their financial plans and budget tools.

    See full details here. Another contender for the jet-setting Filipino, the BDO Diners Club Premiere is an international card that earns you miles and access to exclusive privileges for Diners Club establishments. However, to avail any of these conveniences, one must have a minimum monthly income of P71, See the full list of required documents here. The good thing about Miles points is that these are transferable , so you can bring some friends or family along your trips.

    See the full details here. The Bank of Commerce Gold MasterCard is most ideal for mall-goers, because its discounts and rewards are aimed for establishments that can be found in malls. See the full list of application requirements here.

    Reward conversion to miles can secure enough points for an airline ticket. Those are 10 credit cards you can avail of at your convenience.

    Of course, there are dozens of other cards on the market for you to choose from, so evaluating your lifestyle and financial needs are key to picking the right card and right bank. And when it comes to credit cards, the best extra benefits are usually found in rewards cards. Here are some of our top picks. You get 1 reward point for every 30 pesos you spend anywhere including online shopping and delivery.

    You can use your points to redeem cash credits, merchandise, gadgets and more with Citi ThankYou Rewards. You get 1 reward point for every 50 pesos spent which you can use to get discounts and perks at partner shops, restaurants, and clubs. You can also use it to avail of various installment options for your purchases. For every 20 pesos you spend using this card, you get 1 reward point which you can use to redeem rewards items such as airline miles, items, and electronic gift certificates.

    Want to know how to enjoy a quick weekend getaway in El Nido, Palawan, completely free? You might not know this, but the credit card sandwiched inside your wallet holds the power to grant your travel wishes like a genie. If you swipe your card often enough, the travel genie will magically appear, granting you a free airline seat with bed and breakfast accommodations in El Nido, Palawan. A credit card can be a valuable tool for both business and corporate use. The goal is to streamline spending across your business, allowing you to simplify the process of purchasing and reimbursing.

    Students who find themselves in a tight financial spot will find tremendous value in having a credit card. What to do? No need to borrow cash from your best pal and dorm mate. No need to switch again to that kidney-failure-inducing diet of pancit canton for breakfast, lunch, and dinner. You either get more rewards points or rebates when you shop with a shopping credit card. So, there are various options for you on how to you prefer to enjoy these shopping perks.

    Choosing between Visa and Mastercard is a matter of preference and need. Both have their own set of perks and privileges, which are equally rewarding. Probably the only time this will matter is when certain payment gateways will only accept one or the other.

    The best credit cards for shopping are those that would give you more rewards for lesser spend. Shopping cards that provide bigger cash equivalent rewards are better. With that being said, here are some of our top shopping credit card picks! It does, however, have no late fees and will give you a cash back for being a good paymaster. The key to making this card beneficial is to pay on time. It is designed with the avid shopper in mind. This card lets you earn rewards easily - get 4x bonus points on shopping purchases at partner establishment, local or abroad.

    On top of that, there are other perks and discounts when using the card for other purchases. Credit Card All Credit Cards. Personal Financing All Personal Loans.

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