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Carrying a lot of cash can be dangerous and risky, and sometimes, making huge payments is impossible to do with a limited budget. That’s why people rely on credit cards to make necessary payments for the meantime. Thousands of Filipinos have at least one credit card issued by a bank for buying goods or paying for services. Basically, a credit card lets you borrow money from the bank to pay for your things, but you are required to pay back the debt by the end of the month.

With so many banks in the Philippines offering credit cards, it is important to choose the right one which fits your needs and lifestyle. Therefore, here are a few tips on choosing a card.

Determine your reasons for getting a credit card and know what you are using it for. Some credit cards are specially tailored for different lifestyles including travelers and frequent shoppers.

Choose a credit card that offer sensible benefits for your lifestyle. These benefits may include no or low annual fees, air travel miles, rewards points, gasoline mileage, and low interest rates. If the benefits are only offered as a promo or for a limited period of time, inquire about their expiration date. Most credit card companies come with low interest rates first and then after it expires, you will be charged with a regular or a much higher rate.

Always check for additional charges or fees such as an application fee, over-limit fees, annual fees, late payment fees, and others so you won’t be surprised when you see your credit card bill later on.

Find out how often and when you are likely to receive your billing statement to determine if you can commit to paying your dues on time.

Do your research on credit cards issued in the Philippines by going online. That way, you can compare the credit cards with one another. You can also search for feedback among users on which credit card is the best. That way, you can have an idea on whether the credit card you want is really worth getting for your needs or not.



Featured Credit Cards:

ALLIED BANK PREMIER MASTERCARD


FEATURES:

  • Pay an annual fee of only Php3000 for the Principal card and Php1200 for the supplementary cards. But
  • worry not because the first year is actually FREE.
  • Cash advance limit of 30% of assigned credit limit in both the Peso and Dollar currency.
  • Pay only an interest rate of 3.25% a month

Unionbank Omni Pass


FEATURES:

  • Pay an annual fee of just Php1500 for the primary card!
  • Transfer your old account to your new Union Bank OmniPass with just 1.25%!
  • Avail of Cash Advance service Fee of Php300 or 6%, whichever is higher!
  • Get Cash Advance rate of just 3.50%
  • Travel by sea or plane with the Union Bank OmniPass rewards!
  • Get loads of discounts and bonuses with every transaction charged with your Union Bank OmniPass!

RCBC Bankard VISA


FEATURES:

<ul>
<li><strong style="mso-bidi-font-weight: normal;">&nbsp;</strong>Worldwide recognition</li>
<li>Peso Payment Convenience</li>
<li>Round the clock customer service</li>
<li>Gain unlimited rewards with transactions done with RCBC Bankard Visa</li>
</ul>

Featured Articles:

The Story of Allied Bank

With a continuously evolving world, Allied Banks’ Mission remains constant. Formally known as Allied Banking Corporation, Allied Bank is one the overall largest banks in the Philippines who in terms of assets rank tenth. The other being the United Coconut Planters Bank, Allied Bank is one of the two universal banks in the Philippines that could not be traded to the Philippine Stock Exchange.

Under the laws of the Philippine Republic, Allied Bank was incorporated on April 11, 1977 and awarded by Bangko Sentral ng Pilipinas the Certificate of Authority to run as a commercial bank on May 20, 1977. December 1981, they were granted permission to operate as a universal bank or an expanded commercial bank.

Since December 31, 2007, Allied Bank was the country’s 10th largest in terms of net worth and the 9th largest private domestic commercial bank in terms of total deposits.

Because of Allied Bank’s yearning to provide its cardholders their needs they have created ground breaking services and products that will surely satisfy any customer craving. Allied bank is now delighted to offer their clients the latest and upgraded Allied bank MasterCard Credit Card.

With this new innovation, cardholders are granted the chance to take in enjoyment in both the premium and essential side life offers like dining in fantastic restaurants, shopping in exclusive stores or having that awesome vacation you have always dreamed of.

What’s more, you get to have all these while getting lots of giveaways. Earn one (1) point for every Php50 transaction to redeem them for either free gifts, services, cash points and even Miles.

More than anything else, anyone wants the world to be on the palm of his hand. Allied Bank is here to assist you with getting the life you deserve.

In short, the Allied bank MasterCard Credit Card is here to make everything about life more precious.