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Annual Fee
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PSBank MasterCard

  • Interest Rate : 3.50%
  • Annual Fee : $30


A person’s priority is always his family. With PSBank Mastercard, you have an extensive choice of benefits that helps you carry out your dreams for your love ones.

Here’s what you should know about PSBank Mastercard:

  • Relieve yourself in times of emergencies. Gain up to Php10,000on your PSBank Mastercard, plus, Php200,000 value on personal accident coverage.
  • Worried about the annual fee? You don’t have to because on the first year upon application, there will be NO ANNUAL FEE.
  • PSBank Mastercard only requires Php180,000 minimum gross annual income for the Classic and Php480,000 for the Gold.
  • Withdrawing on ATMs’ is allowed, the same as all Metrobank credit cards. An interest rate charge for a cash withdrawal is Php300 or 3% whichever is higher.
  • Watch a movie for free. Not just one but TWO FREE movie tickets in Robinson’s Movie World upon the first 3 months of your card usage.
  • When using your PSBank Mastercard, earn a point and use these to gain exclusive items or free air miles in different airlines like Singapore Airlines, Cathay Pacific or Philippine Airlines.
  • Transfer your balance on your old credit card to your latest PSBank Mastercard for only 0.79% interest charge on the previous amount and not of the existing rate on that card.

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Featured Credit Cards:

RCBC Bankard MasterCard


  • Do anything you want, anywhere you want in any currency you want and pay them when your back home
  • Gain cash with RCBC Bankard MasterCard because it allows you as much as 30% of your credit limit.
  • Keep your mind at ease with 24/7 customer service anywhere from 20 countries in the globe



  • 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

HSBC Classic and Gold Credit Card


  • No worries with your annual fees because the initial year will be for free for both the primary and supplementary card holders.
  • Get 1 Rewards point for every Php10 you make!
  • Pay less as you buy more with HIP!
  • Need assistance at the middle of the night? Relax as HSBC Classic and Gold Credit Card has 24/7 customer service ready to help you with everything you need.

Citibank Shell VISA


  • Get the HIGHEST fuel rebate in the market with Citi Shell Visa
  • Enjoy 24/7 emergency service for Gold Card holders in making any alternate plans in any cases of emergency.
  • gency cash once in need..
  • Pay an annual fee of only Php3000 for the primary card.

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Once used properly and efficiently, credit cards are handy and suitable devices for just about anyone who is of age. It can even assist you with upcoming activities like buying a house, getting another degree and sometimes going for a leisure trip somewhere abroad with family and friends. Before you allow your teenager or yourself to get a credit card, know some of its advantages and understand some of its procedures.

A credit card can allow you to bUy products or services which you need right now but can’t afford to pay all of it at once. Sometimes it’s often the single way to pay for hotel accommodations, car rental fees or airline tickets.

Credit cards also allow it holders to purchase items over the phone or sometimes in the internet. You can shop and pay your monthly bills in the convenience of your very home! Some credit card companies offer virtual banking that lets you shop and transact business online.

It is also safer to carry a credit card than to carry cash around wherever you go. For the most part, credit cards are very useful in instant emergencies like accidents, car breakdowns or calamities.

You could actually even give anything you purchase protection, avail of travel insurances, free miles and even cash back bonuses if you charge your transactions with your credit card.

One fact is for sure; having a credit card is convenient at times but also remember that a credit card tempts you to spend money you don’t have. Always have the sense to follow up on your credit card to avoid overspending which can give you a big headache in the future. Use your credit cards in ways that you benefit from them, not them benefiting from you!

Understand what you’re getting into before you start building up credit card balances. Once used wisely, they are an absolute help in budgeting. But if not, they will turn up to be your greatest nightmare.