No annual fee credit cards in the Philippines
4 cards with no yearly fee, 3 that waive the first year, and 4 live bank promos that waive it. The fee is only one cost: pay the full balance every month and the card costs you nothing.
Cards with no annual fee
No yearly fee on the principal card, per each bank’s fee table or listing (each card says which).
The lowest income rule we found, and no annual fee ever.
- No annual fee for life, supplementary cards too (PNB fee table)
- Annual fee
- No annual feeFree for life (PNB fee table)
- Income needed
- ₱10,000/moPNB application form
Few rewards. It is a card for building history, and a good backup card later.
See it on PNB From the bank’s own pages · November 2026A no-fee first card from a bank with a strong app.
- Annual fee
- No annual feeNo annual fee
- Income needed
- ₱15,000/mo₱180,000 a year
Check the current fee and perks on UnionBank’s page; promos change.
See it on UnionBank From comparison listings · confirm with the bank · November 2026Maya app users who want to apply and manage the card on their phone.
- Annual fee
- No annual feeNo annual fee while you use it; an inactivity fee can apply after months without use
- Income needed
- ₱15,000/mo₱180,000 a year
Offered to eligible Maya users. Check “Credit card” in the Maya app to see if you can apply.
See it on Maya From comparison listings · confirm with the bank · November 2026
A no-fee second card once you have a year of card history.
- No annual fee for life
- Metrobank card promos and installment deals
Needs an existing card from another bank
- Annual fee
- No annual feeNo annual fee for life
- Income needed
- ~₱37,200/mo₱446,000 a year
You must already hold another bank’s card for 9+ months with a ₱25,000+ limit.
See it on Metrobank From the bank’s own pages · November 2026
Cards that waive the first year
A regular annual fee from year two, unless you ask for another waiver.
A simple RCBC starter with a modest fee and the first year free.
- First year membership fee waived
- Rewards points on every spend
- Annual fee
- ₱1,500/yrRCBC fee schedule; RCBC waives the first year
- Income needed
- ~₱20,800/moFrom listings; ask RCBC
Confirm the income rule with RCBC; comparison sites list different figures.
See it on RCBC Partly from the bank · confirm the rest · November 2026
RCBC’s step-up card once you outgrow Flex.
- First year membership fee waived
- Rewards points on every spend
- Annual fee
- ₱3,000/yrRCBC fee schedule; first year waived
- Income needed
- ~₱41,700/moFrom listings; ask RCBC
Confirm the income rule with RCBC.
See it on RCBC Partly from the bank · confirm the rest · November 2026Frequent flyers who want miles on everyday spend.
- Earn airline miles on everyday spend
- First year membership fee waived
- Annual fee
- ₱5,500/yrRCBC fee schedule; first year waived
- Income needed
- Ask the bankAsk RCBC
Miles only pay off if you redeem them. Compare the fee with what you would really save on flights.
See it on RCBC Partly from the bank · confirm the rest · November 2026
Bank promos that waive the annual fee
Read from the banks’ promo pages several times a day. Each one has its own rules: open it for the mechanics.
No annual fee cards, answered
Which credit cards have no annual fee in the Philippines?
Of the cards PesoPilot tracks: PNB Ze-Lo Mastercard (Free for life (PNB fee table)); UnionBank U Visa Platinum (No annual fee); Maya Black Credit Card (No annual fee while you use it; an inactivity fee can apply after months without use); Metrobank M Free Mastercard (No annual fee for life). Check each bank’s page before you apply; fee rules can change.
What is the difference between “no annual fee for life” and a first-year waiver?
“For life” means the bank does not charge the yearly fee as long as the account is open and in good standing. A first-year waiver skips only year one; from year two the regular fee applies unless you ask for another waiver. RCBC Flex Visa, RCBC Flex Visa Gold and RCBC Airmiles Visa Signature waive the first year.
Are no annual fee credit cards worth it?
They are the cheapest way to build a credit history, as long as you pay the full balance every month. The annual fee is only one cost: card interest is up to 3% a month on any unpaid balance, and late fees still apply.
Can I ask my bank to waive the annual fee?
Often, yes. Many banks waive it if you ask, use the card regularly or redeem points. Call the bank before the fee posts, usually on your card anniversary.
More: best cards for beginners · compare every card · credit card promos today. Educational, not financial advice; each bank decides approval.