Initializing the universe

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Vol. 04 · Issue 17 · 3D Edition

The Philippine
credit card universe,
in three dimensions.

One hundred and two cards. Seventeen issuing banks. No rankings, no commissions, no recommendations. Scroll to explore.

§ 01 · The full deck

Seventeen banks.
One reference.

BDO, BPI, UnionBank, Metrobank, RCBC, Security Bank, PNB, EastWest, China Bank, HSBC, AUB, Maybank, Land Bank, Bank of Commerce, Equicom, Maya Bank, Home Credit. Listed alphabetically — never by recommendation.

View the issuer index

§ 02 · Anatomy

What you're
actually holding.

A primer card has fewer parts than you think — and each part has a story. The chip handles authentication. The network logo determines where it works. The number encodes the issuing bank in its first six digits.

Read a full card review →

§ 03 · By the numbers

The market,
measured.

Penetration is around 15% of Filipino adults. The number of issued cards grew 20% in 2024. Average finance charge sits at 3% per month — among the highest forms of legal borrowing in the country.

§ 04 · The reference

Now, the part
that matters.

The 3D introduction is the spectacle. The reference itself is in the rest of the site — comparison tables, fee schedules, debt-avoidance guides. All free, all independent.

3D mode unavailable

Your device or browser doesn't support
the 3D experience.

Not a problem. The standard reference contains the same information, with comparison tables, full card reviews, and educational guides — and is faster on every device.

Continue to the standard reference