Credit Card
Reviews, comparisons and application guides for the credit cards offered in the Philippines: annual fee, finance charge, income requirement, documents (valid ID, proof of income) and the path to the official website of each bank or issuer.
Credit Card
Featured
BPI Edge Mastercard: the starter card with a small monthly fee!
BPI Edge Mastercard: how to apply
Metrobank M Free Mastercard: no annual fee for life, real perks!
Metrobank M Free Mastercard: how to apply
Security Bank Fast Track Secured Card: build credit with your savings!
Security Bank Fast Track Secured Card: how to apply
Credit card finance charge: what does the 3% monthly cap really cost you?
Minimum amount due: why paying only the minimum keeps you in debt?
Frequently asked questions
Need help? See some questions we get asked frequently.
Does Kredua issue credit cards?
No. Kredua is an informational content portal. We review cards from banks and issuers operating in the Philippines and take you to the official website of the institution, which is the only one that evaluates and approves each application.
Why is the finance charge on Philippine credit cards 3% a month?
The Bangko Sentral ng Pilipinas caps the interest on credit card balances at 3% a month, and most banks charge that ceiling. If you pay the total amount due by the due date you pay no interest on purchases; the charge applies only to balances you carry over and to cash advances.
Does reading these pages or taking the test affect my credit record?
No. Kredua does not access the Credit Information Corporation or any credit bureau. Only the bank, when you submit a real application and authorise it, makes that inquiry.
Still no answer?
Contact us! Our team of specialists will be happy to help.