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Low Interest Credit Cards

Having a low interest rate on your credit card is important if you do not pay off your credit card balance each month. It allows you to spend and make payments whilst keeping your interest repayments to a minimum.

Banks and Card Issuers in the Philippines display the interest rate as a monthly finance charge. As it is displayed monthly, the differences between credit cards can seem minimal, however when you look at the effective annual rate the differences become quite substantial. Over the course of one year a 1% difference on your monthly finance charge is more than 10% annually. Therefore it is important not to overlook the finance charge and choose a low interest rate.

Low finance charges will normally only apply to purchases with your credit card and not to cash advances. Cash advances on low interest credit cards usually have a much higher finance charge attached for cash.

A key advantage of a low interest credit card is the lower finance charge. If you don't pay off your credit card balance regularly you will be paying less interest each month on purchases compared to a higher finance charge card.

 


Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
EastWest Bank Practical Credit Card Mastercard 2.25%* P1,000
5% N/A Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
Metrobank M Lite MasterCard Mastercard 2.49% P1,400
P300/3% 0.79%
12 months
Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
BDO MasterCard Platinum Mastercard 2.50% P4,500
Free first year
P300/5% N/A Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
Citi Platinum Visa Visa 2.75% P5,000
P500/3% N/A Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
RCBC Bankard Diamond Card Mastercard 2.75% P2,500
First Year Free
P300/5% 1.488%
6 months
Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
RCBC Bankard myDream JCB Visa 2.75% P800
1.488%
6 months
Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
Metrobank Platinum MasterCard Mastercard 2.75% P5,000
P300/3% 0.79%
12 months
Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
BDO Titanium MasterCard Mastercard 2.75% P3,500
Free for life*
P300/5% N/A Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
Citi PremierMiles Platinum Card Visa 2.75% P5,000
P500/3% N/A Apply
More Info





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