Today, there is no denying that the economy is suffering from various circumstances. Because of this, getting your own credit card that has absolutely ZERO annual fees is a must. This ensures that you are getting your money’s worth while enjoying the exclusive deals and discounts you deserve. If you are interested in applying for your own card, here is a list of the top 3 free credit cards in the Philippines…

1. AUB Classic MasterCard

The AUB Classic MasterCard is a great way to jumpstart your search if you are looking for a credit card that has NO annual fees. Even more enticing is that this is the only card that allows you to choose when to pay and how much you want to pay. Now, how’s that for flexible payment terms?

Some of the benefits you can gain from using this card include being a member of their exclusive rewards program. For every ₱20 you spend using your AUB Classic MasterCard, you will gain 1 rewards point. Even better, you get to enjoy ZERO interest on all new purchases! Use your accumulated points to redeem free flights and service class upgrades on Philippine Airlines using the Mabuhay Miles Frequent Flyer Program!

Want a credit card that has no annual fees, allows you to choose when to pay and how much to pay? Get your own AUB Classic MasterCard today!

To apply, simply fill out the card request form online. You must also be between the ages of 21 to 55 and must have a gross annual income of at least ₱120,000 for employed and ₱240,000 for self-employed individuals. You must also have a valid landline phone number. For more information, click here.


2. PNB The Travel Club Platinum MasterCard

Looking for a credit card that has ZERO annual membership fees for life yet still provide reward points and get Mabuhay miles and cash credit, then PNB The Travel Club Platinum MasterCard is for you. Apply now!

Another credit card you might want to consider is the PNB The Travel Club Platinum MasterCard. It takes pride in offering you ₱0 annual membership fees for life!

What’s more, you can gain access to their rewards program where for every ₱40 spent at The Travel Club and ₱50 spent elsewhere, you will be given 1 rewards point. You will also be given a special benefit of 0% interest on instalments. Use these accumulated points to get Mabuhay miles and cash credit.

To be eligible, you need to be between the ages of 21 to 65 years old and must have a monthly income of ₱40,000. To apply, simply fill out the application form found on their website and submit the form to

3. Citibank Simplicity+ Credit Card

If you're looking for a no-frills credit card that allows you to enjoy no annual fees, no late payment fees and no over-limit chargers but still provide you with amazing benefits, them apply for a Citibank Simplicity+ Credit Card now!

For those who love a no-frills credit card, the Citi Simplicity+ Card is your best bet. Aside from allowing you to enjoy NO annual fees every single year, you also get to enjoy NO late payment fees and NO over-limit charges.

Some of the other benefits you can enjoy include 10% interest back on interest charges when you pay at least the minimum on or before the due date.

To be eligible, you should be at least 21 years old and have a minimum income of ₱180,000 per year if you have another credit card or ₱250,000 if you have none. You also need to have an active landline or mobile phone number and a valid government-issued ID. The whole process in applying for Citi Simplicity+ Card can be completed in just 15 minutes so visit their website today!

Remember, each one of these banks will ask for personal and professional supporting documents. These include a valid ID, proof of billing, and proof of income.

Pick your favorite from these top 3 free credit cards in the Philippines today and start enjoying their benefits! Apply now!

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A Filipino-Chinese, Maricar Sze is highly educated and well travelled. With a Bachelor of Science in Computer Studies majoring in Information Technology. She is the owner of Linkocity Marketing providing SEO Consultancy and Web Services to small to medium businesses in Australia. In earlier years, Maricar worked for American companies Verizon and MCI in Technical Support activities. Over some 8+ years in the SEO industry, Maricar is also a Google Certified Ads Specialist. With skills and expertise, she is responsible from shaping and implementing website optimisation, content marketing, PPC and quality measures for digital campaigns. Other interests include travelling, watching Netflix, and frequently volunteers at children hospitals or shelters.