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Credit card designs are often boring and bland. You end up having the exact same card as thousands of other cardholders. Luckily, there are some issuing banks that now allow you to individualize your card by putting custom images or pictures right on it. For example, both Standard Chartered and HSBC Philippines now issue credit cards that are uniquely yours. Perhaps you want a picture of your children, your latest trip, your pets, or even yourself on the card. It’s entirely up to you!

Take note, though – you can’t just put ANY image on the card. You need to stick to wholesome images that do not infringe on legal rights of other people or entities. The following images are not allowed:

1. Registered trade names, logos, labels, trademarks, or brands, UNLESS you have secured a written permission from the proprietary owner.

2. Sexual pictures / pictures with sexual content or violent behavior, nudity, liquor, guns, and gambling.

3. Sensitive personal data like your personal identification number (PIN), your address, or phone number.

4.  Images of other people who are related to you, UNLESS you have secured a written permission from that person stating clearly that he/she is allowing you to print his / her image on your credit card.

5. Images referencing public events (e.g. Olympic Games), UNLESS you have secured a written permission from the event organizer.

6.  Political images, especially those considered by many to be offensive, such as the Nazi swastika, the “KKK” image of Ku Klux Klan, etc.

Some of the common images that other credit card holders put on their cards include their wedding pictures, pictures of their family, sceneries (like your favourite beach), vacation pictures that make them happy, and even copyright free images downloaded from the web. Use your common sense; if you think that an image or symbol is copyrighted or offensive, don’t use it. The bank will just disapprove your picture, anyway, and you will just waste time.

Featured Credit Cards:

Unionbank Omni Pass


  • 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!



  • Get privileged service anywhere around the world when you travel with Citibank Gold Card!
  • >Pay an annual fee of Php2500 for your primary card and take advantage of a credit line higher than you imagined!
  • Avail of Rewards point for every Php30 spent with your credit card.
  • Travel the world with no worries with Travel Inconvenience Protection available for all card holders just by paying your ticket in full making use of the Citi Gold Card!
  • Relish on Cash Advance Service of only Php500 or 3% whichever is higher…
  • Avail of 24/7 customer service wherever you maybe!



  • Get free Miles with the lowest point conversion ever to hit the market with only Php38!
  • Gain access to your credit card account anywhere in the world!
  • Enjoy as much as 30% of your credit limit in My Ally Instant Cash
  • Also enjoy a revolving Interest Rate of only 3.25%!

HSBC Red MasterCard


  • No annual fee for the first year
  • 3.25% finance charge
  • Enjoy Php500 or 3% cash advance whichever is higher
  • Get loads of royal pampering with RED HOT DEALS exclusive only to Red MasterCard holders.

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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.