If you’re looking for a credit card that’s easy to apply for in the Philippines, here’s a helpful rundown of the most accessible options as of mid‑2024–2025. These cards generally require minimal income, fewer documents, or offer fast approval. Let’s break them down by category:
Easiest Credit Cards to Apply For (No or Very Low Income Requirement)
Security Bank Fast Track Secured Credit Card
- Income requirement: None
- Key requirement: Have a Security Bank savings account with a hold‑out deposit (as collateral)
- Approval speed: Fast, typically within 3 banking days after submission
- Good for: First-time applicants or those with limited credit history wanting guaranteed approval.
RCBC Bankard InstaCard (Secured)
- Income requirement: None
- Key requirement: RCBC savings account with a hold‑out deposit (collateral)
- Good for: Quick access to a credit card, similar secured setup as Security Bank.
Cheapest Credit Cards (Lowest Income + Fees)
PNB Ze‑Lo Mastercard
- Minimum income: ₱10,000/month
- Annual fee: None—for life
- Interest: ~2.5–3%
- Benefits: Simple requirements, no annual, late, or overlimit fees
PNB Visa Classic
- Minimum income: ₱10,000/month
- Annual fee: ₱300 (often waived for the first year)
- Benefits: Low documentation, offers 1% rebate on interest and installment options
Low Income, Beginner-Friendly Cards
BPI Edge Card
- Minimum income: ₱15,000/month
- Monthly fee: ₱110 (waived in first year)
- Benefits: Very light requirements, rewards points for everyday spending
BPI Amore Cashback Card
- Minimum income: ₱15,000/month
- Annual fee: ₱2,050 (often waived first year)
- Benefits: Up to 4% cashback on groceries, plus other perks
Metrobank M Free Mastercard
- Minimum income: ₱15,000/month (₱180,000/year)
- Annual fee: None—for life
- Perks: Build credit with no annual cost; 0% installment plans available
UnionBank Rewards / U Visa Platinum
- Minimum income: ₱15,000/month
- Annual fees: ₱2,500 (Rewards) or none (U Visa Platinum)
- Good for: Straightforward process if you have steady income
EastWest Practical Mastercard
- Minimum income: ₱10,000/month
- Annual fee: ₱1,400 (typically waived for the first year)
- Benefits: Flexible fee payment, user-friendly perks
Citi Simplicity+ Mastercard
- Minimum income: ₱20,833/month (₱20,833+) for new applicants
- Annual fee: None—for life
- Perks: No annual, late, overlimit fees, plus 10% interest rebate when paid on time
Comparison Table
| Card | Min. Income | Fees | Why It’s Easy |
| Security Bank Fast Track Secured | None | Varies (often waived 1st year) | Secured, fast approval |
| RCBC InstaCard (Secured) | None | — | Low requirements, quick |
| PNB Ze‑Lo Mastercard | ₱10,000/month | None—for life | Simple and affordable |
| PNB Visa Classic | ₱10,000/month | ₱300 (1st year waived) | Very low docs & affordable |
| EastWest Practical Mastercard | ₱10,000/month | ₱1,400 (waived 1st year) | Flexible, beginner-friendly |
| Metrobank M Free Mastercard | ₱15,000/month | None—for life | No fees, easy for starters |
| BPI Edge Card | ₱15,000/month | ₱110 monthly (waived 1st year) | Light requirements, rewards |
| BPI Amore Cashback Card | ₱15,000/month | ₱2,050 (waived 1st year) | Strong cashback for essential spending |
| UnionBank Rewards / U Visa Platinum | ₱15,000/month | ₱2,500 (Rewards) / None (U Visa) | Straightforward application |
| Citi Simplicity+ Mastercard | ₱20,833/month | None—for life | No hidden fees, nice rebate incentives |
Recommendations by Scenario
- No income or bad credit? → Security Bank Fast Track Secured or RCBC InstaCard (Secured)
- On a very tight income? → PNB Ze‑Lo or PNB Visa Classic
- Want no annual fees? → Metrobank M Free or Citi Simplicity+
- Prefer cashback? → BPI Amore Cashback
- Looking for flexibility or flexible installments? → EastWest Practical or UnionBank U Visa Platinum
Let me know if you’d like help comparing a couple of specific cards, checking current requirements, or starting an application process right away!
