BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Credit Cards
Comparing 9 offers. Updated April 22, 2026.
Best offers – Credit Cards 2026
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
AUB Credit Cards
AUB Credit Cards with flexible credit limits up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
Metrobank Card
Metrobank credit card with high limit up to ₱500,000
₱5K – ₱500K
Interest from 4.50%
Approval: 5-7 banking days
RCBC Bankcard
RCBC Bankcard with credit limit up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
BillEase
BillEase buy now pay later up to ₱40,000 with 0% at partner merchants
₱500 – ₱40K
Interest from 0.00%
Approval: Minutes
Credit Cards in the Philippines
Credit cards in the Philippines provide a revolving line of credit that you can use for purchases, bills payment, and cash advances. Major issuers include BDO, BPI, Metrobank, Security Bank, RCBC, UnionBank, CIMB, and AUB, each offering various rewards programs, cashback, and lifestyle benefits.
Philippine credit cards typically offer credit limits from ₱10,000 to ₱500,000 depending on your income and credit history. Annual fees range from free (select cards) to several thousand pesos for premium cards. Interest rates on outstanding balances are capped by the BSP at 2% per month (24% per annum) for credit cards issued as of 2023.
When choosing a credit card, consider your spending habits: frequent flyers benefit from miles cards, shoppers benefit from cashback or points cards, and those who occasionally carry a balance should prioritize low interest rate cards. Always pay your balance in full each month to avoid finance charges. Compare all Philippine credit card options on CoolFinance.ph to find the card that gives you the most value.