A reference · Est. 2026 · Free to use
A free, ad-supported reference for the 100+ credit cards issued by 17 banks in the Philippines. We document fees, rates, and conditions — without selling you anything. No affiliate links. No paid rankings.
A note on what we are
And what we are not
§ 01 · Start here
Three paths through Kaskas Smart PH, depending on where you are.
Start with The Primer — the basics of how credit cards work, what fees mean, and how to avoid the common traps.
Read The Primer →Browse the card index. Filter by category or issuer. Read the fee tables. Make your own call.
Browse 100+ cards →Use the calculators to figure out your real rewards rate, your minimum payment risk, and your AF break-even.
Open the tools →§ 02 · The card index
Filter by what matters to you. We list them; you decide.
Showing 9 of 102 cards · Full list updated weekly
Last refresh: 29 Apr 2026
§ 03 · By category
Flat-rate and category-bonus cards.
Cathay Asia Miles, Mabuhay Miles, KrisFlyer.
Truly zero, or waivable for life.
Easier approval, beginner-friendly limits.
Lazada, Shopee, Amazon, foreign sites.
Petron, Shell, Caltex, SM, Robinsons.
Lounge access, concierge, golf, hotels.
Buy-1-take-1, restaurant rebates, food delivery.
§ 04 · By issuer
As of April 2026, 17 institutions issue credit cards in the Philippines — 13 traditional banks, 2 foreign banks, 1 digital bank, and 1 non-bank issuer. Click any to see their full lineup.
BDO Unibank · The largest issuer in the Philippines.
Bank of the Philippine Islands · Absorbed Robinsons Bank in 2024.
UnionBank of the Philippines · Took over Citi PH consumer banking in 2022.
Metropolitan Bank & Trust Co. · Strong premium card lineup.
Rizal Commercial Banking Corp · Approachable approval criteria.
Premium-leaning portfolio with strong travel rewards.
Philippine National Bank · OFW-friendly options.
EastWest Bank · Practical Express Credit Line offering.
China Banking Corporation · Mid-tier portfolio.
HSBC Philippines · The strongest foreign-bank lineup.
Maya Bank · The first digital bank credit card in PH.
Asia United Bank · Pioneered no-AF-for-life cards.
Maybank Philippines · Malaysian-owned, regional rewards.
Land Bank of the Philippines · Government-employee focus.
Bank of Commerce · Smaller portfolio, San Miguel-affiliated.
Equicom Savings Bank · Niche issuer, Gokongwei-affiliated.
Non-bank issuer · Qwarta Mastercard, accessible criteria.
Note: Tonik, GoTyme, UNObank, SeaBank, UnionDigital, and OFBank are licensed digital banks but do not currently issue credit cards. Citibank Philippines exited consumer banking in 2022 — its cards are now serviced by UnionBank.
§ 05 · The Primer
Updated weekly
A credit card's monthly finance charge sounds small. Compounded across a year on revolving debt, it becomes one of the most expensive forms of borrowing legally available in the Philippines.
There are two systems, they don't talk to each other, and one matters more than you think.
A simulation of what happens if you only ever pay the minimum amount due.
Finance charge, MAD, MDR, conversion: a translation guide for your monthly bill.
Forget the welcome gift. Optimize for the three years after.
§ 06 · The tools
Tell us how you spend. We'll show you which cards return the most pesos in a year — across all 102 cards.
Open calculator → Tool 02How much do you need to spend before the rewards on a card cover its annual fee? The answer surprises most people.
Open calculator → Tool 03If you carry a balance and only pay the MAD, how long until you're debt-free — and how much will you have paid?
Open simulator →§ 07 · About this site