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M Free Mastercard

Metrobank

CardVerify

Best for

No annual fee ownership

Annual fee

No annual fee for life, as advertised by Metrobank

Rewards / interest

Perks, promos, installments, and balance conversion rather than a core points card

Income / approval

Check official terms

+ No annual fee for life+ Strong traditional bank acceptance! Metrobank lists a high gross annual income requirement

Review

BPI Rewards Card

BPI

Editor's ChoiceCardModerate

Best for

Starter rewards inside a major bank ecosystem

Annual fee

Check latest BPI fees and promos

Rewards / interest

BPI points-earning credit card, as listed by BPI

Income / approval

Subject to BPI income and credit checks

+ Established branch and app ecosystem+ Points can suit mixed everyday spending! Annual fee and waivers may vary

Review

BPI Amore Cashback

BPI

Best CashbackCardModerate

Best for

Grocery cashback

Annual fee

Wise lists PHP 2,050; verify current BPI fees

Rewards / interest

Cashback card positioned for everyday spending; Wise notes up to 4% cashback

Income / approval

Subject to BPI income and credit checks

+ Simple cashback value+ Good grocery fit! Annual fee can reduce value

Review

BPI Edge Card

BPI

CardModerate

Best for

Lifestyle perks

Annual fee

Check latest BPI Edge fees

Rewards / interest

BPI rewards and lifestyle perks, as listed by BPI

Income / approval

Subject to BPI income and credit checks

+ Recognizable starter option+ BPI promos and app support! Rewards value depends on redemption

Review

Flex Visa

RCBC

CardVerify

Best for

Flexible rewards categories

Annual fee

Check latest RCBC fees and waiver promos

Rewards / interest

2x Rewards points on selected categories, as advertised by RCBC

Income / approval

Check official terms

+ Designed around lifestyle categories+ Flexible rewards redemptions! Best value requires choosing categories well

Review

Complete Cashback Platinum Mastercard

Security Bank

CardVerify

Best for

Grocery, gas, utilities, dining, and shopping rebates

Annual fee

Check latest Security Bank fees

Rewards / interest

Up to 5% cashback across everyday categories, as advertised by Security Bank

Income / approval

Check official terms

+ Strong everyday cashback positioning+ Easy-to-understand rebate value! Platinum card may be harder for true beginners

Review

Live+ Credit Card

HSBC Philippines

CardVerify

Best for

Dining, shopping, entertainment, and fuel cashback

Annual fee

First year waived as advertised; check succeeding annual fee

Rewards / interest

Cashback on dining, shopping, entertainment, and selected fuel spend

Income / approval

Check official terms

+ Lifestyle cashback structure+ Travel and online shopping perks! HSBC lists existing local card history and income requirements

Review

Ze-Lo Mastercard

PNB

Best No Annual FeeCardModerate

Best for

Low-fee starter ownership

Annual fee

No annual fee positioning; verify latest PNB terms

Rewards / interest

Low-fee positioning rather than rewards-heavy earning

Income / approval

Wise lists PHP 120,000 annual income; verify with PNB

+ No annual fee positioning+ Beginner-friendly cost profile! Fewer rewards than points or cashback cards

Review

Titanium Mastercard

Metrobank

CardSelective

Best for

Dining and lifestyle rewards

Annual fee

Check latest Metrobank Titanium fees

Rewards / interest

Lifestyle rewards and promos subject to Metrobank terms

Income / approval

Check latest Metrobank requirements

+ Metrobank ecosystem+ Lifestyle rewards angle! Less beginner-friendly than no-fee cards

Review