Credit Cards and Loans

Salmon Best Offers Buy Now, Pay Later

Salmon Credit

Salmon Credit is a revolving credit line offered by Salmon in the Philippines, allowing you to borrow funds up to a set limit through your mobile device. It functions like a virtual credit line for scanning QR Ph codes, or you can transfer the cash to your local bank and e-wallets.

• Up to P250,000 Credit limit
• Purchases are interest-free for up to 62 days
• You can use the credit line to scan and pay at over 600,000 QR Ph merchants nationwide.

Annual fee: ZERO ANNUAL FEES Min income: No Minimum income required

Apply Now → Partner offer

Salmon Time Deposit Time Deposit

Salmon Time Deposit

Salmon Time Deposit offers one of the highest promotional interest rates in the Philippines, reaching up to 8.88% p.a

• Up to 8.88% p.a. for a 1-year term (requires a minimum deposit of ₱500,000 to ₱1,000,000 depending on ongoing promos)
• Up to 6% p.a. for deposits between ₱5,000 and ₱499,999
• Minimum Deposit: ₱5,000.00

Annual fee: See provider details Min income: No income required

Open savings → Savings Time deposit

RCBC Credit Card Credit Card

RCBC Flex Visa

Earn double (2X) rewards points on two preferred categories of your choice (choose from dining, clothing, travel, or transportation).

• You can earn double rewards points for every ₱50 spent
• 0% Installment Programs
• Free Travel & Purchase Protection
• Smart Budgeting Tool

Annual fee: NO ANNUAL FEE FOR LIFE Min income: P180,000 Annual Income

Apply Now → RCBC Flex Visa (NAFFL)

RCBC Credit Card Credit Card

RCBC Flex Gold Visa

Earn 2x Rewards Points on 3 customized spending categories (such as supermarkets, gas, department stores, travel, or household appliances)

• Earn 2x points on your choice of 3 preferred categories
• Non-Expiring Points
• Flexible Installments
• Unli Installment via RCBC Pulz

Annual fee: NO ANNUAL FEE FOR LIFE Min income: P500,000 Annual Income

Apply Now → RCBC Flex Gold Visa (NAFFL)

RCBC Travel and Miles Credit Card

RCBC Visa Infinite

Premium credit card tailored for frequent travelers and high-net-worth individuals. It features robust rewards, complimentary global airport lounge access, extensive travel insurance, and a sleek metal core design

• Earn 1 Rewards Point for every ₱30 spent locally
• Complimentary Airport Lounges: Enjoy unlimited free access to the PAGSS Lounge in NAIA Terminals 1 and 3
• Priority Pass™
• Free Travel Insurance

Annual fee: P6,000 / year (Free for the 1st year) Min income: P1,000,000 Annual income

Apply Now → Premium travel card

RCBC Travel and Miles Credit Card

RCBC Airmiles Platinum

A premium credit card designed for frequent travelers. It allows you to earn miles quickly on both local and international spending while offering premium travel perks like complimentary lounge access and comprehensive travel insurance.

• Earn 1 Airmile for every ₱25 spent on overseas transactions and ₱48 on local spending
• Complimentary Priority Pass
• Local Lounge Privileges
• Comprehensive Travel Insurance

Annual fee: NO ANNUAL FEE FOR LIFE Min income: P1,200,000 Annual income

Apply Now → Premium Travel card

RCBC Travel and Miles Credit Card

RCBC Diamond UnionPay

Choose the RCBC UnionPay Diamond Card as your premium travel companion. Earn rewards points convertible to air miles, cashback, and shopping perks, while enjoying global privileges and travel protection.

• Earn 2 Rewards Points per ₱50 spend on hotel and restaurant spending when traveling in China
• Enjoy unlimited complimentary access to the Skyview Airport Lounge and Club Manila Lounge in NAIA
• Get up to ₱1 million in free travel insurance when you charge all your international travel-related needs to the card

Annual fee: No Annual Fee for Life Min income: P1M Annual Income

Apply Now → See bank details

RCBC Travel and Miles Credit Card

RCBC Platinum JCB

Enjoy the wonders of the world with the RCBC JCB Platinum in your pocket.

• Earn reward points for as low as ₱25 per spend
• Access to world-class travel benefits and offers
• Free travel insurance of up to ₱1 million for every trip
• Free access to the Marhaba/Skyview Airport Lounge

Annual fee: No Annual Fee for Life Min income: Subject to RCBC approval

Apply Now → RCBC Platinum JCB (NAFFL)

UnionBank Personal Loan Loan

UnionBank Personal Loan

Bring your plans to life when you apply for a UnionBank Personal Loan. With a high loan amount of up to ₱2 million and flexible repayment terms, you can fund your dream business or home improvement projects. Apply now and get approved as fast as 5 minutes!

• Fast approval time—as fast as 5 minutes!
• High loan amount of up to ₱2 million
• Flexible payment terms of up to 5 years
• No collateral or guarantor needed

Annual fee: N/A Min income: P250,000

Apply Now → Get up to 2 Million in as fast as 5 minutes

UnionBank No Annual Fee Credit Card

UnionBank Rewards Platinum Visa

Get 3x reward points for every dining and shopping purchase. Plus, earn a point for every ₱30 spend and enjoy promotions and deals with partner merchants!

• Earn 3x non-expiring reward points when you shop and dine here and abroad.
• Earn 1 non-expiring reward point for every ₱30 spend.
• Beginner friendly

Annual fee: Free for Life Min income: P180,000.00

Apply Now → Free 3K eGC's welcome gift

UnionBank No Annual Fee Credit Card

UnionBank U Platinum Visa

Don't like fees that come with credit cards? Then this is the right card for U! Say goodbye to annual fees, late fees, and overlimit fees with the UnionBank U Visa Platinum.

• No annual fees for life - by default
• No overlimit and late fees
• Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date

Annual fee: No Annual fee by default Min income: P180,000

Apply Now → Get 3K eGC welcome gift

UnionBank No Annual Fee Credit Card

UnionBank Shell Visa Platinum

Enjoy a 5% rebate on Shell fuel spend, toll load purchases, and auto services—no monthly outstore spend required.

• 5% rebate on Shell fuel spend
• 5% rebate on RFID load purchases
• 5% rebate on auto repairs, accessories, and services
• 10% discount at Shell Helix Oil Change packages

Annual fee: Free for life Min income: P180,000

Apply Now → Get 3K eGC welcome gift

UnionBank Cashback Credit Card

UnionBank Cash Back Platinum Visa

Swiping your credit card is better when you can save money in return. So start swiping with a UnionBank Cash Back Visa Platinum to earn up to 6% cash back on groceries and enjoy other rebates.

• Earn up to 6% cash back on groceries
• Get up to 0.20% cash back on all other purchases
• Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online

Annual fee: P4,500 / Free for the first year Min income: P180,000

Apply Now → Get up to 8K eGC's welcome gift

UnionBank Credit Card Credit Card

UnionBank Platinum Mastercard

Earn 1% cash back on all spending categories so you can save anytime, anywhere. Find more exclusive perks when you apply today!

• Earn 1% cash back on all spending categories
• Free lounge access at NAIA Terminals 1 and 3
• Accepted at over 30 million establishments worldwide

Annual fee: P3,000 / Free for the first year Min income: P600,000

Apply Now → Get 3K eGC welcome gift

UnionBank Travel and Miles Credit Card

UnionBank Miles Signature Visa

Affordable, safe, and relaxing—these are must-haves in every vacation, and you can have all three when you use your UnionBank Miles+ Visa Signature.

• Earn 1 mile for every ₱30 spend
• Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
• Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature

Annual fee: P5,000 / Free for the first year Min income: P360,000

Apply Now → Get 3K eGC welcome gift

UnionBank Travel and Miles Credit Card

Cebu Pacific Gold Visa

Explore the world and satisfy your wanderlust with a UnionBank Cebu Pacific Gold credit card.

• Earn 1 Go reward point for every ₱200 spend.
• Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
• Exclusive access to Cebu Pacific seat sales.
• Free life insurance coverage of up to ₱400,000.

Annual fee: P3,000 (Free for the first year) Min income: P360K

Apply Now → Get 3K eGC welcome gift

UnionBank Credit Card Credit Card

UnionBank Lazada Mastercard

Love shopping at Lazada? Make online shopping even better with the UnionBank Lazada Credit Card. Earn 6x Lazada Credits for every Lazada purchase worth ₱200 and score special vouchers all year round. Plus, get exclusive discounts from select Lazada merchants.

• Earn 6x Lazada Credits for every ₱200 spent on the app
• Earn 1 Lazada Credit for purchases made to other merchants
• Enjoy exclusive discounts from select Lazada merchants

Annual fee: P3,000 / Free for the first year Min income: P360,000

Apply Now → Get up to 8K eGC's welcome gift

BPI Cashback Credit Card

BPI Amore Cashback Visa

Earn up to 4% cashback on supermarket, drugstore, and bills payment spend and enjoy exclusive privileges at any Ayala Malls nationwide when you apply for this BPI credit card.

• Get up to 4% cash back on supermarkets and department store spend
• Get up to 1% cash back on drugstore and bills payment spend
• Earn up to 0.3% cash back on all other local retail spend
• One of the lowest forex conversion rates at 1.85%

Annual fee: P2,050 / Free for the first year Min income: P180,000

Apply Now → Get 2K eGC welcome gift

BPI Travel and Miles Credit Card

BPI Signature Visa

Get a credit card that works for you, get a BPI Visa Signature! Collect BPI points fast and delight in exclusive 50% deals from restaurant, hotel, and wellness establishments. Level up your lifestyle with this one-of-a-kind BPI credit card.

• Earn 2 BPI points for every ₱20 spend.
• Get up to ₱20 million free travel accident and inconvenience benefit.
• Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
• Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.

Annual fee: P5,500 / Free for the first year Min income: P1.2M

Apply Now → get 2K eGC welcome gift

BPI Cashback Credit Card

BPI Amore Platinum Visa

Get the best of both worlds with the BPI Amore Platinum Cashback credit card. Get up to 4% cashback on dining, shopping, and other local and international spend when you use this BPI card in your next shopping spree.

• Get 4% cash back on dining and online delivery spend.
• Get 1% cash back on supermarkets and department store spend.
• Enjoy exclusive perks and deals at any Ayala Malls nationwide.

Annual fee: P5,000 / Free for the first year Min income: P1M

Apply Now → Get 2K eGC welcome gift

BPI Cashback Credit Card

BPI Petron Mastercard

Have a reliable credit card wherever you go. Get the Petron BPI Card and enjoy 3% cashback on fuel expenses and other exclusive credit card perks from BPI.

• Earn 3% rebate on fuel (maximum of ₱15,000 per year)
• Free ₱200 fuel voucher for first-time cardholders
• Avail of flexible and convenient installment plans

Annual fee: P1,550 / year (free for 1st year) Min income: P180K

Apply Now → Get up to 8K eGC's + waived Annual fees

BPI Rewards Credit Card

BPI Rewards Platinum Mastercard

If you want some oomph to the usual credit card premium features, try the BPI Platinum Rewards Card!

• Earn 2 BPI points for every ₱30 local spend.
• Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
• Convert straight payments on airfares to installment with 0% interest.
• Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.

Annual fee: P4,000 / year (free for the first year) Min income: P1M

Apply Now → Get uo to 14K eGC's on back 2 back promos

BPI Rewards Credit Card

BPI Rewards Gold Mastercard

Looking for a credit card that can keep up with your lifestyle? The BPI Gold Rewards Card could be perfect for you.

• Earn one (1) reward point for every ₱35 spend
• Avail flexible installment plans with terms up to 36 months
• Free travel insurance up to ₱10 million
• Enjoy a whole roster of discounts all year round

Annual fee: P2,250 / year (free for the first year) Min income: P480K

Apply Now → Get up to 8K eGC's + waived Annual fees

BPI Rewards Credit Card

BPI Rewards Blue Mastercard

Going cashless? Make the sensible choice with BPI Rewards Card. Earn one (1) reward point for every ₱35 spend and enjoy exclusive deals all year round from BPI.

• Earn one (1) reward point for every ₱35 spend
• Avail flexible installment plans with terms up to 36 months
• Free travel insurance wherever you go up to ₱2 million
• Enjoy a variety of year-round discounts and perks

Annual fee: P1,550 / year (free for the first year) Min income: P180K

Apply Now → Get up to 8K eGC's + waived Annual fees

HSBC Rewards Credit Card

HSBC Red Platinum Mastercard

Earn more rewards in every swipe with your HSBC Red Platinum Mastercard!

• 4x reward points on online, shopping, dining, and overseas spend
• Earn 1 reward point for every ₱20 spend
• 6% rebate on your first Caltex fuel spend; 3% rebate year-round

Annual fee: P2,500 / year (free for the 1st year) Min income: P400K

Apply Now → Get your HSBC Red Platinum MC

HSBC Cashback Credit Card

HSBC Live+ Visa

HSBC Live+ Visa for applicants with at least 6 months credit card history.

• Requires 6 months credit card holder status
• HSBC partner application link
• Subject to HSBC approval

Annual fee: See bank details Min income: Need 6 months CC holder

Apply Now → HSBC

Metrobank No Annual Fee Credit Card

Metrobank M-Free

The Metrobank M Free Mastercard is a beginner-friendly credit card featuring a guaranteed no annual fee for life. It is ideal for budget-conscious spenders who want to avoid extra yearly charges while enjoying standard credit card conveniences.

• No Annual Fee: Both principal and supplementary cards are free for life—no minimum spend requirements
• 0% Installment: Lighten large purchases with 0% installment plans at select partner merchants
• Cash2Go: Convert a portion of your credit limit into cash.

Annual fee: NAFFL by default Min income: P500,000

Apply Now → USE CODE: CEL477

Metrobank No Annual Fee Credit Card

Metrobank Rewards Plus Visa Platinum

Reward yourself every time you shop with Metrobank Rewards Plus Card.

• 2x rewards - Get double the points on gadgets, internet, and online spending
• Earn 1 point for every PHP 20 spend, and redeem them whenever you want.
• Make big buys more manageable with 0% installment programs through your rewards credit card

Annual fee: No Annual Fee for Life (Promo) Min income: P180,000

Apply Now → Metrobank (NAFFL Promo) / use code: CEL477

Metrobank Travel and Miles Credit Card

Metrobank Travel Visa Signature

Always closer to your next trip. Get the most out of your trips with a credit card designed for travel. Use referral code: CEL477

• Get 1 mile for every PHP 30 spend on all purchases
• Unlimited local lounge access at PAGSS and Plaza Premium
• 1.68% Forex fee - Shop as much as you want with an international credit card with low forex fees.

Annual fee: P5,500 / free for the first year Min income: P700K / with existing CC

Apply Now → Use referral code: CEL 477

Metrobank Cashback Credit Card

Metrobank Cashback Platinum Visa

Shop with your rebate credit card to enjoy more perks and savings.

• 5% rebate on groceries, telecom, school & bookstore spend
• 0.2% rebate on all other purchases.
• Save up to PHP 12,000 per year with your Metrobank rebate card.

Annual fee: P3,500 / free for the first year Min income: P700K / with existing CC for at least 9 months

Apply Now → Use code: CEL477

Metrobank Rewards Credit Card

Metrobank Toyota Mastercard Platinum

Your life in full drive

• 3% fuel and toll rebate globally - Up to PHP 15,000 annual rebates on combined fuel and toll fees spend.
• 10% off at Toyota dealers - Get discounts when you spend on genuine parts, accessories, and labor at all Toyota dealers.
• 2x rewards points at your preferred Toyota dealer - Shop more at your trusted Toyota dealer to earn more rewards.

Annual fee: P2,800 / free for the first year Min income: P350K / with existing CC for at least 9 months

Apply Now → USE REF. CODE: CEL477

Metrobank No Annual Fee Credit Card

Metrobank Titanium Mastercard

Earn 2x rewards points on dining, department store, and online expenses and one (1) point for every ₱20 spend on all other categories. Shop for essentials the smart way by applying today.

• NAFFL (Until June 30, 2026)
• Earn 2x rewards points on dining, department store, and online purchases
• Earn one (1) point for every ₱20 spend
• Cash 2go features

Annual fee: NAFFL Min income: P180,000

Apply Now → Get 3K eGC welcome gift

Metrobank Travel and Miles Credit Card

Metrobank Platinum Mastercard

Experience the thrill of going premium with the Metrobank Platinum Mastercard®.

• Earn 1 reward point for every ₱20 spend
• Up to 50% off on premium dining offers
• Subject to Metrobank approvalNo annual fee for your first supplementary card

Annual fee: P5,000 / free for the first year Min income: P700,000

Apply Now → Get 3K eGC welcome gift

Metrobank Travel and Miles Credit Card

Metrobank World Mastercard

Enjoy luxury dining discounts and a competitive rewards multiplier for overseas spend. Become a VIP today!

• Get 2x reward points for international purchases
• Earn 1 reward point for every ₱20 spend
• Enjoy up to 50% off on luxury dining deals

Annual fee: P6,000 / free for the first year Min income: P1.5M / 6 months existing CC

Apply Now → Get 3K eGC welcome gift

Finbro Personal Loan Loan

Finbro Quick Loan

Finbro is a Securities and Exchange Commission (SEC)-registered online lending platform in the Philippines owned and operated by Sophie Lending Inc. It provides fast, short-term personal loans (ranging from ₱1,000 to ₱50,000) directly to your bank account or e-wallet, requiring only one valid ID and no collateral or payslips.

• Loan Amount: ₱1,000 to ₱50,000.
• Loan Terms: Repayment periods range from 7 days to 12 months.
• Requirements: Must be a Filipino citizen, aged 20 to 70, with a stable income and one valid government ID.

Annual fee: N/A Min income: Subject to Finbro approval

Apply Now → Quick loan

Home Credit Personal Loan Loan

Home Credit Cash Loan

Home Credit cash loan offer for qualified borrowers.

• Cash loan application link
• Subject to Home Credit approval
• Review provider terms before submitting

Annual fee: See provider details Min income: Subject to Home Credit approval

Apply Now → Cash loan

Atome Buy Now Pay Later Buy Now, Pay Later

Atome

The Atome Card is a Buy Now, Pay Later (BNPL) Mastercard that lets you make purchases anywhere Mastercard is accepted and pay for them later. It requires no minimum income or annual fees and is managed directly via the Atome mobile app.

• Buy now, pay later partner offer
• Provides a revolving credit limit of up to ₱200,000.
• Enjoy 0% interest if you pay off your balance within 40 days.

Annual fee: NAFFL Min income: No minimum income required

Apply Now → Get up to P7,500 cashback