Credit cards have become an essential financial tool for many Filipinos, offering convenience, flexibility, and various benefits.
While some credit cards come with annual fees, there are plenty of options available in the Philippines that offer all the perks without the extra cost.
In this guide, we will introduce you to five credit cards with no annual fees, allowing you to enjoy the advantages of credit cards without the worry of additional charges.
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The BDO ShopMore Mastercard is a popular choice among Filipinos, especially for shoppers who frequent SM malls.
Cardholders earn reward points for every purchase, which can be redeemed for various items, vouchers, or even converted to cash credits. This card also provides perks like discounts at partner merchants and exclusive privileges.
The EastWest Bank Classic Visa/Mastercard offers no annual fee for life. It's a versatile card suitable for everyday transactions, offering competitive interest rates on purchases and cash advances.
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BDO ShopMore Mastercard
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The BDO ShopMore Mastercard is a popular choice among Filipinos, especially for shoppers who frequent SM malls.
This credit card offers zero annual fees and rewards you with shopping points for every purchase you make. These points can be redeemed for discounts and freebies at SM-affiliated stores. Plus, it provides exclusive discounts and offers at partner establishments.
Citi Simplicity+ Card
Citi Simplicity+ Card is designed for those who prefer straightforward and hassle-free credit card use. With no annual fees, late payment charges, and over-limit fees, it's one of the most user-friendly options available.
Cardholders can also enjoy 10% interest back on their payments made on or before the due date.
Security Bank Classic Rewards Mastercard
Security Bank's Classic Rewards Mastercard is an excellent choice for people looking to earn rewards without the burden of annual fees.
Cardholders earn reward points for every purchase, which can be redeemed for various items, vouchers, or even converted to cash credits. This card also provides perks like discounts at partner merchants and exclusive privileges.
EastWest Bank Classic Visa/Mastercard
Cardholders can also enjoy exclusive discounts, installment plans, and various promos at partner establishments.
ATTRACTIONS TO SEE IN MANILA
Klook.comHSBC Red Mastercard
The HSBC Red Mastercard is an excellent choice for frequent travelers and diners. While it doesn't charge an annual fee, it provides a host of travel and dining privileges, including discounts at select restaurants and exclusive travel offers.
Cardholders can also earn reward points that can be used for various redemption options.
ACTIVITIES AND TOURS IN MANILA
In the Philippines, having a credit card can be a convenient and rewarding financial tool, but the annual fees associated with many cards can be a concern. Fortunately, there are several credit cards available that offer the benefits of credit card ownership without the added cost of annual fees.Whether you're a frequent shopper, traveler, or simply looking for a no-nonsense credit card, these options provide various perks, rewards, and exclusive privileges, all while keeping your financial commitments hassle-free.
Be sure to carefully review the terms and conditions of each card and choose the one that aligns with your spending habits and lifestyle.
If you are looking for low-interest loans, here's my list of Personal Loans With the Lowest Interest Rates in the Philippines.
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