Many Filipinos avoid getting a credit card because of the dreaded annual fee. Good news: there are now several banks in the Philippines offering credit cards with no annual fee—some permanently, others with easy waivers.
If you’re a first-time cardholder or just looking to save money, this guide will walk you through the best no-annual-fee credit cards in the Philippines for 2025.
Why Choose a No Annual Fee Credit Card?
Annual fees in the Philippines can range from ₱1,500 to ₱6,000+ per year, depending on the card. By skipping the annual fee, you:
- Save money every year
- Keep your credit card active without extra cost
- Focus on building your credit score
- Use your card as a backup payment method with no maintenance cost
For many budget-conscious Filipinos, no-annual-fee cards are the smartest first step into credit cards.
Best No Annual Fee Credit Cards in the Philippines (2025)
1. UnionBank Rewards Credit Card – No Annual Fee for Life (Promo)
- Best for: Rewards points on daily spending
- Perks:
- 1 point per ₱30 spend (local and overseas)
- No annual fee for life promo (upon application via UnionBank’s site)
- Why it’s great: Flexible rewards for shopping, dining, and travel.
2. Security Bank Fast Track Free Mastercard
- Best for: Everyday purchases without maintenance fees
- Perks:
- No annual fee for life (when issued under promo)
- Contactless payments
- Why it’s great: Easy approval process for qualified applicants.
3. Metrobank ON Internet Mastercard
- Best for: Online shoppers
- Perks:
- No annual fee for life
- Safe for e-commerce and subscription payments
- Why it’s great: Keeps your main card safe while shopping online.
4. RCBC Flex Visa
- Best for: Young professionals building credit history
- Perks:
- No annual fee for life
- Flexible category-based rewards (shopping, travel, dining)
- Why it’s great: Good entry-level card with strong perks for starters.
5. AUB Easy Mastercard
- Best for: Flexible payment terms
- Perks:
- No annual fee for life
- Choose how many times to pay in a month (weekly, semi-monthly, or monthly)
- Why it’s great: Perfect for those who want control over due dates.
6. PNB Ze-Lo Mastercard
- Best for: Students or fresh graduates
- Perks:
- No annual fee for life
- Low interest rate
- Why it’s great: Affordable credit card designed for beginners.
7. EastWest Practical Mastercard
- Best for: Budget-conscious cardholders
- Perks:
- No annual fee for life
- Simple, no-frills credit card for everyday spending
- Why it’s great: Straightforward card with no hidden charges.
Quick Comparison Table
| Credit Card | Annual Fee | Best For | Special Feature |
|---|---|---|---|
| UnionBank Rewards | Free for Life (Promo) | Rewards | Flexible points |
| Security Bank Fast Track | Free for Life (Promo) | Everyday spend | Easy approval |
| Metrobank ON Internet | Free for Life | Online shopping | Safe online use |
| RCBC Flex Visa | Free for Life | Young professionals | Flexible rewards |
| AUB Easy | Free for Life | Payment flexibility | Choose due dates |
| PNB Ze-Lo | Free for Life | Starters | Low interest |
| EastWest Practical | Free for Life | Budget users | No hidden fees |
How to Choose the Best No-Annual-Fee Credit Card
When picking your card, ask yourself:
- Do I shop online often? → Metrobank ON Internet or UnionBank Rewards
- Do I want flexible payments? → AUB Easy Mastercard
- Am I a first-time user? → PNB Ze-Lo or RCBC Flex Visa
- Do I want rewards? → UnionBank Rewards or RCBC Flex
Blogger’s Corner
Credit cards aren’t inherently bad—overspending is. A no-annual-fee card is the perfect training ground for Filipinos who want to start using credit responsibly. Always remember: pay in full and on time.
If used wisely, these cards can help you build a solid credit score without draining your wallet on yearly fees.