What is the best credit card for students in the Philippines?

There is no universal best card. Students usually do better starting with a no annual fee, secured, supplementary, or low-fee card path, then comparing approval requirements directly with each bank.

Can students get credit cards in the Philippines?

Some students can qualify through supplementary cards, secured credit cards, or regular cards if they meet income and document requirements. Always check bank-specific eligibility before applying.

What is the best beginner credit card?

A beginner card should match your income, spending habits, and repayment discipline. No annual fee cards can be good for low upkeep, while rewards or cashback cards only help if you pay in full.

Which digital bank has the best savings rate?

Rates change often. Compare the current advertised rate, promo mechanics, caps, withholding tax, transfer fees, and whether the rate is base or boosted before choosing a digital bank.

Best Digital Banks Philippines 2026

Compare Maya, GoTyme, CIMB, MariBank, and other digital-first banking options. Updated May 2026 and based on official bank terms where available.

UnionBank

BankVerify

Best for

Best digital experience among traditional banks

Balance

Varies by account type

Rewards / interest

Rewards, miles, e-commerce cards, virtual card support, installments, and lifestyle partnerships

Income / approval

Check official terms

+ Mobile-first banking+ Online application process! Fees and limits vary by product

Review

Landers Cashback Everywhere

Maya Bank

Best CashbackCardModerate

Best for

Landers members

Annual fee

Maya page says no annual fee for life as long as you transact at least once a month; verify terms

Rewards / interest

Cashback and Visa perks subject to Maya/Landers terms

Income / approval

Maya lists Landers membership plus credit evaluation

+ Cashback positioning+ Modern app ecosystem! Requires Landers membership

Review

Maya Black

Maya Bank

Top PicksCardModerate

Best for

Digital-first card users

Annual fee

Maya page lists waived annual fees; verify active card rules

Rewards / interest

Visa perks and Maya credit card promos subject to Maya terms

Income / approval

Maya lists age/residency/upgraded-account requirements; credit evaluation applies

+ App-first card ecosystem+ Modern digital bank experience! Approval subject to credit evaluation

Review

Maya

Maya Bank

BankVerify

Best for

Digital daily savings

Balance

No maintaining balance on deposit accounts, as advertised by Maya

Rewards / interest

Savings boosts, wallet tools, payments, and credit products subject to approval

Income / approval

Check official terms

+ App-first daily money flow+ No maintaining balance! Boosted rates are conditional

Review

Rewards Visa

UnionBank

Most Recommended by Young ProfessionalsCardModerate

Best for

Digital-first rewards

Annual fee

Check latest UnionBank fees, promos, and card tier

Rewards / interest

Rewards points ecosystem; UnionBank lists rewards cards with points per spend

Income / approval

Eligibility varies; check with UnionBank

+ Digital-first application flow+ Strong app ecosystem! Annual fee and rewards value vary by card tier

Review

Maya Savings

Maya Bank

SavingsVerify

Best for

App-first savings

Balance

No maintaining balance, as advertised by Maya

Rewards / interest

Savings interest and app ecosystem benefits

Income / approval

Check official terms

+ No maintaining balance+ Fast app onboarding! Boosted rates may depend on spend or missions

Review

Go Save

GoTyme Bank

SavingsVerify

Best for

Daily savings goals

Balance

No listed maintaining balance for Go Save; verify in app terms

Rewards / interest

Go Save interest plus GoTyme ecosystem rewards

Income / approval

Check official terms

+ Clear advertised 3% p.a.+ Separate savings pockets! Interest is subject to withholding tax

Review

GoTyme

GoTyme Bank

BankVerify

Best for

App experience

Balance

Verify latest app terms

Rewards / interest

Go Save interest, rewards points, debit, and app banking

Income / approval

Check official terms

+ Clean app experience+ Clear Go Save rate communication! Rate can change

Review

Go Rewards Credit Card

UnionBank

CardVerify

Best for

Robinsons Retail and Go Rewards users

Annual fee

Check latest UnionBank Go Rewards fees

Rewards / interest

Go Rewards points for eligible spend, as listed by UnionBank

Income / approval

Check official terms

+ Retail ecosystem fit+ Auto-credit Go Rewards mechanics on listed card types! Best value depends on partner usage

Review

MariBank Savings

MariBank

SavingsVerify

Best for

Daily-crediting interest

Balance

No maintaining balance, as advertised by MariBank

Rewards / interest

Savings interest credited daily

Income / approval

Check official terms

+ Daily interest crediting+ No maintaining balance! Tiered interest treatment

Review

MariBank

BankVerify

Best for

Daily credited digital savings

Balance

No maintaining balance, as advertised by MariBank

Rewards / interest

Daily credited savings interest

Income / approval

Check official terms

+ Competitive advertised savings rate+ Daily crediting! Newer ecosystem

Review

Lazada Card

UnionBank

CardModerate

Best for

E-commerce spending

Annual fee

Check latest UnionBank Lazada card fees and promos

Rewards / interest

E-commerce and Lazada-linked rewards positioning; verify current card availability

Income / approval

Check latest UnionBank requirements

+ Good match for online shopping behavior+ Digital-first bank servicing! Can encourage overspending during sales

Review