Guide on Credit Cards with Zero Annual Fees in the Philippines
CREDIT CARDS WITH ZERO ANNUAL FEES – Here is a list of some credit card options that you might like to consider as they have no annual charges.
Nowadays, many people are no longer in the search for the best credit card tips as they mull whether or not they will be applying for one. A lot of individuals came to realize that having a credit card brings a lot of benefits as long as you know how to handle it.
There are a lot of banks in the Philippines that offer credit cards. These financial products come with different features. Many of them are rewards cards, too, that brings back a portion of your spendings using the credit card.
However, in getting a card, one of the best considerations are the fees. It may be ideal to choose one of the credit cards with zero annual fees and there are a lot of options which you can find below.
Metrobank Titanium Mastercard
This type of credit card has a monthly income requirement of Php 15,000. The interest rate is set at 3% and you may earn one (1) rewards points for every Php 20 spent using the card. The zero annual fee promo is up until February 29, 2024.
Metrobank World Mastercard
Metrobank offers the Metrobank World Mastercard under a zero annual fee promo until January 31, 2024. It requires a monthly income of at least Php 333,333. A 3% interest rate was set under the card offer and you may earn P1 rewards point for every P20 purchase using the card. It also offers 2x points for international purchases.
Metrobank Platinum Mastercard
Also one of the credit cards with zero annual fees in the Philippines is the Metrobank Platinum Mastercard. It requires a monthly income of at least ₱58,333 for application and its interest rate is set at 3%. The credit cardholder earns 1 rewards point for every P20 spent using the card. The no annual fee promo is set until January 31, 2024.
AUB Classic Mastercard
The AUB Classic Mastercard offered by the Asia United Bank requires a monthly income of at least ₱50,000 for application. The interest rate is at 3% and the credit cardholder earns 1 reward points for every P50 spending using the card. There is also unlimited supplementary cards without annual fees.
UnionBank Rewards Credit Card
Also one of the credit cards with zero annual fees in the Philippines is the UnionBank Rewards Credit Card. To be eligible to apply for it, you must earn at leats Php 15,000 monthly. The zero annual fee promo is up until January 31, 2024. The interest rate is at 3% and 1 rewards point is earned every P30 spent using the card. The credit cardholders also earn 3x points for shopping and dining using the credit card.
PNB Ze-Lo Mastercard
The monthly income required for credit card applicants is Php 10,000. The interest rate is set at 2.5% and there are no late payment or overlimit charges. It is ideal for individuals who will be in their first time to handle a credit card with its features.
AUB Easy Mastercard
The Asia United Bank‘s Easy Mastercard requires a monthly income of at least Php 50,000 for application. The interest rate is at 3% and offers a flexible credit card payment due date and 0% interest on new purchases. For every P50 spending using the card, the cardholder gets 1 reward points.