Adulthood inevitably brings financial discussions to the forefront. Credit cards provide seamless convenience that makes everyday spending effortless—especially when annual fees are waived. Whether you’re picking out your first beginner-friendly card or just want to build your credit score free of yearly maintenance fees, here are the best credit cards with No Annual Fee For Life (NAFFL) to consider.

No Annual Fee For Life By Default

U Platinum Mastercard

U Platinum Mastercard by UnionBank offers no overlimit or late fees and a 10% interest back rebate when you pay at least the minimum amount due on time. This makes it a beginner-friendly card with a requirement of a PHP180,000 gross annual income. Interested cardholders may apply here.

Metrobank M Free Card

The Metrobank M Free Card is another beginner-friendly card that requires a minimum gross annual income of PHP180,000. This card offers 0% installment programs for up to 24 months with participating partner stores, malls, and airlines, as well as a Cash2Go option and exclusive promos. It’s also accepted worldwide via the MasterCard network. Apply here.

Security Bank Wave Mastercard

The Security Bank Wave Mastercard features a 1% cashback on online purchases with a maximum rebate of PHP3,000 yearly, a protection insurance for online purchases, and a low 2.5% monthly interest rate with a minimum gross monthly income requirement of PHP30,000. Users also get to enjoy local lounge passes including A Lounge, Marhaba Lounge, and PAGSS Lounge. This card is also accepted worldwide. You can apply for your Security Bank Wave Mastercard here.

EastWest Platinum Mastercard

EastWest Platinum Mastercard offers its users a premium experience with priority pass to 1,300 airport lounges worldwide, free travel insurance with ticket fares purchased with the card, and a MasterCard concierge service. With a minimum gross annual income of PHP 1,800,000, you can apply for your EastWest Platinum Mastercard here.

No Annual Fee For Life Promos with Spending Requirements

UnionBank Rewards Visa Platinum Credit Card

The UnionBank Rewards Visa Platinum Credit Card offers the No Annual Fee For Life (NAFFL) Promo with a minimum spend of P20,000 within 60 days of card approval. It requires a PHP180,000 minimum annual income and carries a 3.00% monthly interest rate (up to 36% EIR per annum). Apply here.

Metrobank Titanium Mastercard

After spending PHP30,000 within 90 days of approval, with a minimum annual income requirement of PHP350,000, users get to enjoy the NAFFL offer of this credit card. Cardholders earn 1 reward point for every PHP20 spent. For more details and the application process, click here.

Metrobank Rewards Plus Visa

Requires only PHP180,000 minimum annual income and offers 2x reward points that never expire, plus 0% installment options. To get a NAFFL promo for Metrobank Rewards Plus Visa, users must reach an accumulated retail spend of PHP30,000 within ninety (90) days from card approval. Apply here.

HSBC Red Platinum Card

HSBC offers a NAFFL promo until July 31, 2026 for their Red Platinum Card. It requires a PHP400,000 gross annual income and a minimum spend of PHP60,000 within 60 days of approval date and registration to the HSBC Philippines’ app. Perks include reward points, MasterCard privileges, 0% installment plans at partner merchants, and more. Apply here.

Other banks like RCBC also offer seasonal NAFFL promos for their credit cards. Terms and conditions apply. To be updated on their next promo dates, you can follow them on their Facebook page, RCBC Credit. 

Selecting the right card ultimately comes down to matching your current monthly income and spending habits with the perks you will use most. These credit cards give you your next worry-free swipes in life.

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