As cashless and online transactions have become the trend, more people have turned to mobile banking and card payments. And while debit transactions are all well and good, it’s also good to have the option of paying with a credit card.

You could end up shopping in a store that only accepts credit cards, or you could have a sudden emergency requiring you to shell out a huge amount of money. If you’re a first-time credit card applicant, you should probably get one that doesn’t have that pesky annual fee. Read on to find out which credit card with no annual fee suits you best.

Last updated: 5 September 2025

Unionbank U Credit Card

Card perks: You don’t have to pay over-limit or late payment fees. Pay at least the minimum due on or before the due date and get 10% back on interest charges.
Card eligibility: You must have an annual income of at least PHP 250,000.
Conditions: None
How you can apply: Through their branches or online

AUB Classic Mastercard

Card perks: You can choose how many times you want to pay, when you want to pay, and exactly how much to pay.
Card eligibility: You must have a minimum monthly income of PHP 21,000 and fall under one of these categories: (1) on regular employed status with a registered company for at least one year; (2) self-employed in a registered business, operating profitably for at least one year; or (3) a licensed professional practicing for at least one year.
Conditions: None
How you can apply: Through their branches or online

Atome Card Mastercard

Card eligibility: You must be at least 18 years old and have a valid ID. You also need to download the Atome app.
Conditions: None
How you can apply: Through their branches or online

PNB Ze-Lo Mastercard

Card perks: No need to pay late payment or overlimit fees. Enjoy a lower minimum amount due. Avail 3% rebate on fuel purchases mad at participating Caltext stations.
Card eligibility: You must be either (1) employed as a regular employee for at least one year or (2) self-employed profitably for at least two years with gross annual income must be at least PHP 120,000.
Conditions: None
How you can apply: Through their branches or online

Metrobank M Free Mastercard

Card perks: Avail discounts and deals at M Here partner establishments.
Card eligibility: You must have a minimum gross annual income of PHP 180,000.
Conditions: None.
How you can apply: Through their branches or online

China Bank Freedom Mastercard

Card perks: Earn one Rewards Point for each PHP 20 valid spend.
Card eligibility: You must be either (1) an existing Principal Credit Cardholder with other banks and with at least 12 months activity or (2) a regular employee or self-employed individual with business operations operating legally in the Philippines for at least two years with a gross annual income of at least PHP 250,000.
Conditions: None
How you can apply: Through China Bank branches nationwide or online

EastWest Platinum Mastercard

Card perks: Earn one Platinum Rewards Point for every PHP 40 spent. Save more when shopping internationally with a low foreign currency conversion fee of 1.70%. See more on their website.
Card eligibility: You must have a minimum gross annual income of PHP 1,800,000.
Conditions: None
How you can apply: Through their branches or online

Maya Black Credit Card

Card perks: Earn Maya Miles for each card purchase, and you can convert your Maya Miles to corresponding airline miles and book your flights. And no need to pay annual fees forever!
Card eligibility: You must be 21 to 65 years old and a Filipino resident with a regular monthly income.
How you can apply: Through the Maya app

Follow us on Facebook, Twitter, Instagram, Tiktok, and Youtube for the l8est entertaining, useful, and informative lists!