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Credit cardsDigital creditFeesRewardsPromos

Independent Philippine credit card reference

Credit cards, explained like a helpful friend.

A visual guide for Filipinos comparing credit cards and card-like apps — card art, annual fees, income requirements, rewards, due dates, calculators, and source status in one place.

Explore cards →Run calculators Check sources

21profiles

Issuer coverage

Logo badges are local assets and can be replaced with official issuer-approved artwork.

No affiliate rankingsSource status visibleCard artwork firstFee fields separatedCalculators built inCredit education

Featured profiles

Browse cards visually, then continue on the official site.

View all cards

Atome · Mastercard

Atome Card

For disciplined users who want a no-annual-fee card-like option and will check installment or late-payment fees.

Fee ₱0FX Verify

DigitalNo annual feeSource linked

ZED · Mastercard

ZED Card

For users who can pay the full bill every cycle and do not need revolving debt.

Fee ₱0FX 0%

Charge cardNo annual feeNo FX fee

Luvit · Mastercard

Luvit Card

For users comparing app-based hulugan/credit products with traditional bank cards.

Fee ₱0FX Verify

DigitalInstallmentsSource linked

BPI · Mastercard

BPI Rewards Card

For everyday spend like groceries, bills, and online shopping after rewards rules are checked.

Fee VerifyFX Verify

RewardsBank cardNeeds verification

BDO · American Express

BDO American Express Cashback

For cashback comparison once official terms and merchant rules are checked.

Fee VerifyFX Verify

CashbackBank cardNeeds verification

HSBC · Mastercard

HSBC Red Mastercard

Good for comparing rewards after official fees and rules are checked.

Fee VerifyFX Verify

RewardsSample detail pageNeeds verification

Common Filipino needs

Start with your real-life spending, not the bank logo.

Use the catalog like a shopping page, but decide like a responsible cardholder: check annual fee, income requirement, interest, rewards rules, and whether you can pay in full.

01No annual fee

Look for cards with ₱0 or waivable annual fee — then check the conditions.

02Cashback

Compare cashback for groceries, fuel, dining, bills, and online shopping.

03Digital credit

Compare Atome, ZED, Luvit, Maya, and other app-led credit products before using installments.

04Cost calculators

Estimate in pesos: rewards value, FX fees, annual fee break-even, and minimum-payment cost.

Data discipline

Every card page separates looks, benefits, fees, requirements, and source confidence.

This version is ready for official card art and verified data. Until a field is checked, it stays marked “Verify” instead of pretending to be final.

01Card image

Large visual card hero and gallery tiles.

02Facts

Annual fee, FX fee, income, finance charge, and rewards are separated.

03Sources

Official source links and verification status stay visible.

Ready to compare without the sales talk?

Open the card catalog for a visual browse view plus a table for fee-by-fee comparison.

Open card catalog →