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List of Credit Cards with No Annual Fees




The annual fee is undeniably a burdensome charge that credit cardholders have to pay for using a credit card and, sometimes, just by owning a credit card.

We previously wrote about our Tips on how to waive your credit card’s annual fee. But if you’re looking for cards that won’t give you this headache, we provide below a list of credit cards in the Philippines that are offering no or waived annual fees — either as a promo or welcome gift, or in some cases, waived for life!

Credit Cards with No or Waived Annual Fees

1. Citi Rewards Card (Citibank)

Annual Fee: Waived if you apply until November 30, 2017. Click here to avail of this online offer.

Features / Benefits:

  • Earn 1 point for every Php 30 spend
  • Get 3X points when you shop, dine, or book Cebu Pacific tickets
  • Use your points to redeem free flights, hotel stays, or merchandise
  • Use your points to pay for purchases at partner merchants

2. BPI Blue Mastercard (Bank of the Philippine Islands)

Annual Fee: First year’s annual fee is FREE

Features / Benefits:

  • Real Thrills Rewards Points: P35 = 1 point
  • Free Travel Insurance package of up to P2 million
  • Cash Advance of up to 30% of your credit limit
  • Contactless Technology

3. BPI Gold Mastercard (Bank of the Philippine Islands)

Annual Fee: First year’s annual fee is FREE

Features / Benefits:

  • Real Thrills Rewards Points: P35 = 1 point
  • Free Travel Insurance package of up to 10 million
  • 24/7 Customer Service through BPI Express Phone and Mastercard’s Global Service
  • Cash Advance of up to 100% of your credit limit
  • Contactless Technology

4. BPI eCredit Card (Bank of the Philippine Islands)

Annual Fee: Waived annual fees for life

Features / Benefits:

  • Virtual credit line designed for online shopping
  • eCredit protects your credit line by assigning a lower credit limit and a different credit card number
  • Free companion card to any BPI Express Credit MasterCard (upon request)

5. HSBC Premier Mastercard (HSBC Philippines)

Annual Fee: Waived annual fees

Features / Benefits:

  • Rewards Points: P20 = 1 point
  • 3% rebate on Caltex fuel purchases
  • Up to P3 million in Travel Accident Insurance
  • Contactless Technology

6. Metrobank M Free Mastercard (Mastercard)

Annual Fee: Waived annual fees for life

Features / Benefits:

  • Perpetually waived annual fee
  • Discounts, free gifts, and deals with Metrobank’s M Here partner establishments
  • Personalize your credit card with your favorite photo
  • Bills2Pay: Pay for your utilities with ease through Metrobank M Free Mastercard

7. EastWest Platinum MasterCard (East West Bank)

Annual Fee: Waived annual fees for life

Features / Benefits:

  • Perpetually waived annual fee
  • Rewards Points: P40 = 1 point
  • Free EastWest Platinum virtual card for internet shopping
  • Free Comprehensive Travel Accident and Inconvenience Insurance of up to P20 Million
  • Free Priority Pass Membership giving you access to more than 950 VIP Airport Lounges worldwide

8. PSBank Credit Mastercard (joint product of PS Bank and Metrobank Card Corp.)

Annual Fee: Waived annual fees for life

Features / Benefits:

  • Dedicated Customer Service Officer for the cardholder
  • Secure online shopping by requiring a password and unique message to authorize online purchases

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