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The Best CREDIT CARDS in the Philippines

binsyo · 49 · 10676

binsyo

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on: Jun 30, 2014, 04:53 PM
In this thread, let's share what we think is(are) the best credit card(s) that the Philippine banks has to offer. :winner: Sa dinami-dami ng mapagpipilian, ano nga ba ang "the one"?

Share din po natin kung ano ang mga criteria na para sa inyo ay importante para sa pagpili ng credit card(s) like:
  • membership fees
  • interest rates
  • customer service
  • ease of payment
  • credit limit increase
  • online use (e.g. flight booking, hotel booking, purchasing online)
  • benefits and rewards
  • freebies, discounts and special privileges
  • other factors that are important for you upon owning a credit card

Thank you!  :-D
« Last Edit: Jun 30, 2014, 04:57 PM by binsyo »


Beannie

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Reply #1 on: Jul 01, 2014, 01:37 PM
Si Metrobank meron M Free Mastercard. Perpetually waived ung annual fees. but I think you have to have a metrobank credit card for at least a year before you can apply for one.   :D


ManilaBoy40

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Reply #2 on: Jul 06, 2014, 07:45 PM
I would have to say that it's the EastWest bank Platinum Mastercard, it has a waived annual fee for life, high credit limit, excellent customer service, ease of payment tru their online banking facility, secure online transactions with the optional virtual card , freebies with minimum purchase amount and also rewards points earnings ... Now what more can you ask for, besides it's the only llocally issued Platinum card that is FREE !
« Last Edit: Jul 06, 2014, 08:15 PM by ManilaBoy40 »


GIG

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Reply #3 on: Jul 07, 2014, 12:51 PM
Very good idea binsyo!!

How 'bout putting all the result in an exel table so we can compare them all easily?


Beannie

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Reply #4 on: Jul 07, 2014, 01:08 PM
I would have to say that it's the EastWest bank Platinum Mastercard, it has a waived annual fee for life, high credit limit, excellent customer service, ease of payment tru their online banking facility, secure online transactions with the optional virtual card , freebies with minimum purchase amount and also rewards points earnings ... Now what more can you ask for, besides it's the only llocally issued Platinum card that is FREE !

Wow!!! Php 1.8M annual income!  :watchuthink: :D :hihi:


george88

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Reply #5 on: Jul 07, 2014, 01:52 PM
Wow!!! Php 1.8M annual income!  :watchuthink: :D :hihi:

Imba Manilaboy only elite people have that Platinum Card


grayback_01

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Reply #6 on: Jul 07, 2014, 02:16 PM
bro pano mag-apply for Platinum?

waaa! 1.8M? parang ang laki naman for annual income yan for basis  :hihi:


ManilaBoy40

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Reply #7 on: Jul 07, 2014, 07:45 PM
Imba Manilaboy only elite people have that Platinum Card

Ha ? what's IMBA ... I originally had a gold visa but it was upgraded to a platinum mc after 3 years ...
« Last Edit: Jul 07, 2014, 07:55 PM by ManilaBoy40 »


george88

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Reply #8 on: Jul 07, 2014, 07:50 PM
Ha ? what's IMBA ...
Imba = Malupet


Beannie

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Reply #9 on: Jul 07, 2014, 08:01 PM
 :hihi: Ako din napa search ng IMBA eh.. sabi ni google "Imbalanced" daw.. lolz.. lalo ko naguluhan. thanks sa sagot sir george  :cool2:


george88

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Reply #10 on: Jul 07, 2014, 08:25 PM
:hihi: Ako din napa search ng IMBA eh.. sabi ni google "Imbalanced" daw.. lolz.. lalo ko naguluhan. thanks sa sagot sir george  :cool2:

haha yan nga yun... Short term sya ng Imbalanced marami sya pwede maging meaning depende sa tao hehe.. sa mga gamer kasi matunog yan pag nakakakita sila ng malulupet ng PLAYER... :hihi:


sj.unite

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Reply #11 on: Jul 08, 2014, 02:07 PM
This thread will be useful for me. I tried applying for a credit card but until now, every bank has rejected me. Mukha ba akong manggagantso? :(


Beannie

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Reply #12 on: Jul 08, 2014, 03:02 PM
^^ Awww... So sorry to hear that, banks (or credit card companies) sometimes can be really bitchy when screening up  credit card applications. Don't take it too personally. I applied for a BDO credit card when I still working sa Pinas, earning a basic salary of 56K/mo, and I still got rejected. Go figure.
My brother also just decided to get a credit card this year (@ 33 years old, lolz) and he sent out applications to 5 banks, those banks who required a lot of documents where the ones who didnt approve a credit card, the one who conducted the least CI and required the least documentation was East West Bank. He got a classic visa card from them I think.
Just send out application forms to all credit card companies and banks offering one (preferably choose a card with low annual fee and finance charges) and I'm sure one application will come back approved.  :D


george88

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Reply #13 on: Jul 08, 2014, 03:14 PM
There is a scoring point when applying credit card kahit nga may bank account ka sa kanila they will disapprove you for Credit card application unless its been 2 years of savings account... If your employed they will take a look on your tenure at your current job plus if your payslip is not loaded with SSS, PAGIBIG loan etc etc... So kahit you're earning 50k a month if makita naman nila net mo is less than 15k na lang they won't approve you. Mas mahirap na magapprove ng CC ngayon unlike 10 years ago na payslip lang at id requirement wala ng CI CI...


sj.unite

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Reply #14 on: Jul 08, 2014, 03:56 PM
Well, I currently have a loan with SSS payable until next year pero other than that, I don't have any large liabilities in my account. I was rejected by Citibank, EW and BPI because of different reasons. Nagtataka lang ako sa EW kasi hinanapan nila ako ng statement of account from other CC. Does that mean that they're not open to new-to-card applicants? Unfair! :(


 


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