credit card 101 💳 the ~best~ credit cards in the ph 🌟 personal review after trying out more than 10!

hola~! i've been a credit card user for 8 to 9 years, and here i'm sharing with you my top 2 pics & honest review of all the cards i've tried. so far each has its own pros and cons, and it's up to you to decide kung ano non-negotiables niyo when choosing a card. ❤️
edit: 1 mile is P48, not 54 pesos for citibank premier miles. oversight on my part :)
💳 apply for my personal recommendations:
→ citi rewards card 🌟 highly recommend. enjoy citi perks, & no annual fee for life w min 20k spend within fist 60 days for first-time citi users (check terms and conditions first!)
bit.ly/CitiCC-...
⏰ time stamps
01:38 citibank
06:00 metrobank
08:53 bpi
11:40 bdo
13:15 hsbc
14:55 unionbank
15:50 eastwest
*this video is not sponsored. citi and metrobank are my go-to cards (edit: citi and bpi visa signature na), but for transparency -- i used my link above! you can create your own url to refer citi ccs, too ✨
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credit card 101 / best credit cards in the philippines / favorite credit cards / credit card review / credit card for beginners / beginner-friendly credit card / credit card rewards / credit card points / credit card miles / credit card hacks / credit limit / credit line / citibank credit card / metrobank credit card / bdo credit card / hsbc credit card / bpi credit card / unionbank credit card / eastwest credit card / credit card due date / credit card statement date

[@Gundancho]

Andito na! Ang reyna ng Philippine credit cards! The one that started it all!

[@8smebuttercup]

as someone who is really new to this kind of topic this is so insightful and fun to watch. i really look up to ms.thea as an adult. financially responsible and has her finances under control. more power to your channel po

[@iamfraline]

Im really thankful kay Thea kasi yung old vid nya about cc really taught me so much. Andaming reason why cc is such a great tool and im so happy I know this information early stage ng adulting ko! I've benefited for almost 2 years using my 3 cc and I never pay any interest or even annual fee! 😊😊😊

[@alyzamariemagno706]

Ano po gamit niyo cc

[@apriljoyxx]

finally!! 🤭🥰 palagi ko nirerewatch old video mo regarding cc❤️ thanks ate thea! 💕

[@rosellfloresca5653]

It's true. Okay ang customer service ng Metrobank kahit anong cards pa. 😊

[@TheaSyBautista]

Glad to know di sila nang didiscriminate ng cards! ☺️

[@rosellfloresca5653]

@@TheaSyBautista omg thanks for the reply Ms. Thea 😍💕

[@spangkytv9492]

​@@TheaSyBautista Miss thea, may tanong lang po. 1st time lang sa cc na tanggap ko na yung bdo cc plat ko, hanggat hindi ko ba ito ina-activate hindi pa rin magagamit yung 1 year free access? pag inactivate ko na dun palang magagamit yung 1yr free access na no annual fee? salamat sa sagot. 😊

[@maroonrick9286]

Good Morning Ms. Thea! I'm relatively very new to Metrobank, but I can see they have upgraded their app or system in terms of credit card transactions na. Parang Citi yung system nila sa app kasi for instance, nagswipe ka amounting to PHP 500, it will be reflected immediately doon sa app with a status ("unposted") and status "posted" after a day or two. Convenient sya for us MB CC holders kasi namomonitor natin if it is an unauthorized/fraud transaction. Of course, I took in to consideration na itong vlog mo na was uploaded a year ago, and by that time 'di pa gaano naupgrade or naupdate. hehehe. safe swiping po! And I'm a subscriber too! 😉😊

[@say6269]

I think the main downside of all credit card companies here in the PH is the fraud protection. Haven't experienced having unauth charge (hope we never experience it) but having 0 fraud liability or at least a hope that the bank will be definitely to help us and investigate properly and efficiently will somehow make us comfortable using our cards. I just hope there are more and clear regulations here in the Phils to protect the consumers. Anyways, love the review as always!

[@servicedoffices3016]

I had recent fraud sa card ko. worth 9k. sobrang stressful

[@ajsembrano]

Coming from a US-based financial account, I would agree. Sa US, sobrang protected mga customers nila sa fraud.

[@kyruuuuh]

@@servicedoffices3016 Was it disputed?

[@rayza135]

Make an updated version of this po ate thea please! Planning to get my first credit card. 🤞🏻

[@christianphilquinto3516]

Dati takot na takot ako mag CC ngayon hindi na nung nag start ako mag CC . Need lang talaga maging responsible :) BPI is my first CC sobrang solid.

[@thorcayco]

Hello, Thea. Just wanted to let you know na you’re one of the reasons why I finally had the courage to get a credit card. Dati takot na takot ako baka kasi mabaon ako until watching your videos and enlightening us viewers about the perks of getting a credit card. Now, 2 years na ko gumagamit ng credit cards. Dami ko na din na earn na rewards, cashback, gc’s etc. 😊

[@HiJuliene]

Ano Pong cards gamit nio?

[@enricocuevas4157]

at last! naalala ko 2 years ago ata nanood ako video mo tungkol sa cc. dami ko natutunan. mula nun nagapply ako sa ibat ibang banks. but favorite ko rin is citi rewards at bdo visa gold and amex blue daming rebates.

[@chadongakyat]

Hopefully you can have an update on this vlog (EOY 2022 version 😊) thank you for the inputs, Thea! Very helpful and informative esp. the perks of each cards.

[@hiiammaryah]

Ms. Thea, just want to share n I really love your vids about personal finances. I'm always waiting for it. Super ganda at linaw mo po kasi mag explain. 💕 Naiinspire ako to improve how I handle my finances. Looking forward for more vids po. Stay safe 😊

[@jklatayan]

For BPI and BDO based on personal experience you can convert ung monthly (annual) fee to annual fee. and they waive it too depends on usage pala

[@1700tt]

How po mag pa waive ng annual?

[@TheBrugudugz]

@@1700tt tawag ka lng sa hotline tapos irrequire ka lng nila na mag spend ng 3-5k using the card within 30days tapos mawwaive na yung annual fee.

[@shairamancilla4435]

Very insightful. Thank you for sharing this. Infairness naman talaga sa mga bank personnel ng east west, fresh talaga sila karamihan.

[@kythconney7412]

Ate Thea, pwede gawa ka rin ng video about how to get higher chance of getting approved on credit card application please? 🥺

[@maureenemanatad]

Yes please

[@ajautumn9262]

i 2nd 🤗 this

[@jofinnipabillore3785]

Based on my experience ung bank ko mismo tumawag sakin and offered me a credit card

[@maureenemanatad]

@@jofinnipabillore3785 how much was your savings during that time when they offered po?

[@12midnightvlogs]

pag.meron kna existing account like savings account they will tell you if you want credit card also

[@apolinarabreu4838]

Informative video. Thank you for this. I hope you can do an updated credit card review a year or so from now.

[@marieldelacruz199]

Relly thankful with your video, super malinaw ang explanation. Para user na 2lad ko

[@TheaSyBautista]

EDIT: as of 2022, ang most-used CCs ko na are my Citibank and BPI Visa Signature. Yes, nag reapply ako sa BPI kasi ang ganda ng discounts sa restaurants, palagi naka 50% off sa Wildflour, Raintree Restaurants, and Bistro Group to name a few. So far yung problems ko with BPI that I mentioned here addressed na -- like may OTP na for transactions vs nung last time I used. Phone banking has also improved by MILES! Yung last call ko regarding my card took minimal waiting period lang. I also use the Visa Signature to earn Mabuhay Miles since yung Citibank hindi na kasama sa partners ang Mabuhay Miles. Sa Asia Miles ko nalang siya tinatransfer. Also, Eastwest pala may lowest conversion fee at 1.75%, but mas preferred ko to use BPI Visa Signature for traveling kasi may free lounge access. --- hola~! i've been a credit card user for 8 to 9 years, and here i'm sharing with you my top 2 pics & honest review of all the cards i've tried. so far each has its own pros and cons, and it's up to you to decide kung ano non-negotiables niyo when choosing a card. ❤️ 💳 apply for my personal recommendation: → citi rewards card 🌟 highly recommend. enjoy citi perks, & no annual fee for life w min 20k spend within fist 60 days for first-time citi users bit.ly/CitiCC-TheaSyBautista

[@awomanwifemother2174]

We have the same Metrobank cc but twice na akong na reject pa waive ng annual fee kasi yun na daw ang bagong policy nila since oct 2020 daw. How sad naman na their policy is not for everybody. 😅

[@awomanwifemother2174]

I pay ahead of time naman and before nawawaive naman nila before. 🤔

[@leiann4688]

Paano magpawaive ng annual fee?

[@mercboy111]

I think BPI Visa Signature is one of the top go to cards. Generous P50 per airmile with other rewards perks for dining and shopping.

[@MrJhajhah]

may video po ba kayo how to increase your credit limit po sa citi salamat po

[@enricocuevas4157]

Hello thea. Very informative ang vlog mo na ito. Madami ako natatunan tungkol sa 3 credit card series mo. Btw, yung eastwest mo i heard na pag umabot ng 300k ang credit limit mo dun pwede mo paconvert sa platinum which is no annual fee forever. Try mo 😃 gusto ko sa kanila is mababa loan interest nila as low as 0.35

[@raisummers6721]

I think you should update this after Citibank’s migration to UB this coming Q2.

[@operativealyssa]

Yay for an updated cc video. Your EF and cc videos yung nirerewatch ko lagi. 💖 Been thinking na rin to get a cc next year.

[@ianjerome8243]

really useful guide and tips! thanks for sharing this, thea! ❤️

[@emmanmalabayabas9698]

I agree gabing hirap nga makakuha ng credit card sa citibank. Ilang beses ako na declined dyan kahit may matass akong credit limit and good credit standing. Pero this month nag apply ako ulit at na approved ako.☺️☺️

[@Pauloparkxxi]

Hi po Ms. Thea! I just want to request po na sana you'll make a video about Credit Cards Terminologies for Beginners for us to be able to understand ang grasps some of the nature of Credit Cards. Thank you po.

[@rowenaablonaalleno2272]

One of your best topic ever!!! ❤️❤️❤️

[@jenatutubo]

I just got my first credit card! 😍 although small credit line lang atleast this is a good start din to build my credit score. Thanks to your credit card 101 vids Thea 😍

[@ren_official10]

Hello May I know your First CC?

[@dreassi7753]

ilang months po dumating?

[@jenatutubo]

@@dreassi7753 luckily 1 month lang 😁

[@kythconney7412]

I never clicked that fast on a new video notification.

[@iloveyellow7214]

So 2 filipino channels yung papanuorin ko para matuto ako ng tungkol sa credit dito sa Pinas. 3 weeks crash course yung gagawin ko. 2 channels lang muna yung bibinge watch ko kase gusto ko alam na alam ko yung papasukin ko bago kumuha ng credit card gusto ko kase (NO PANGARAP KONG BUMILI NG CONDO OR HOUSE AND LOT) at dapat maganda yung credit score ko love your videos Thea salamat dito sa channel mo Bbibinge watch ko tong credit card/credit related videos mo ha thank you ingat lagi 😘

[@squashbrowns]

omg! sa wakas, part 3 with credit cards!

[@TheaSyBautista]

It’s about time iupload ko na yung part 3 hahahaha

[@the_arewin7310]

I have citi rewards no annual fee.. Napakain po nila ako ng yellow cab at krispy crem for FREE heheheh

[@francoabidin6366]

Hi Thea! Did you cancel some of your credit cards? Will that affect the credit score or what are the cons of cancelling other credit cards?

[@chloeshekinah4492]

My friend, Kat Samson, recommended this channel and it's really for reasons.

[@exol7155]

I hope you can do a video about things to consider before getting credit card :)

[@ivybeatricealias8210]

Looking forward for your review about security bank cc. Salute to all your personal finances vlogs and all your other vlogs very informative 💕

[@GraciaBonita]

I agree with BPI. Like me residing here in Doha, ang tagal tagal bago ko nakausap yun customer service, nice naman yun pag uusap nahelp din nya ako kaso sobra tagal ng paghihintay.. So imagine yun load na nagamit ko pntawag. 🙄

[@johnharwinmamuyac640]

Requesting updated content regarding this Ms. Thea. Thanks!!

[@awomanwifemother2174]

We have the same Metrobank cc but twice na akong na reject pa waive ng annual fee kasi yun na daw ang bagong policy nila since oct 2020 daw. How sad naman na their policy is not for everybody. 😅

[@awomanwifemother2174]

I pay ahead of time naman and before nawawaive naman nila before. 🤔

[@sejimarichan8247]

For HSBC, the platinum card was not much of a really high perks card. The premier credit card is their most expensive card which i think is better to compare to other gold/platinum cards from other banks.

[@TheaSyBautista]

parang lower tier nga lang perks ng hsbc platinum but ang mahal kasi nya hahaha

[@moonchaser2240]

You get the best treatment for Premier card and it is the best because we have a special team of agents assisting these type of cardholders (prev hsbc employee here)

[@nftgamesfdr5746]

Was able to avail HSBC Platinum na No Annual Fee For Life. Madalas mas promo sila na you can convert your transaction into 3 or 6 installments at 0% interest.

[@IrisO89]

agree even cit rewards this year lang di na sila nagpapa waive kahit mag ask ka pa ng other conditions like spending limit reqt same sa bdo. for me okay ang bdo, amex, eastwest, and sbank....rcbc nah

[@hiiammaryah]

yeeeeyyy new video about credit cards 💕

[@Nezermondez]

may sms na po ang BPI every transaction and also realtime rin mag appear ung transaction sa app hehe..

[@superbhiel]

Still watching Oct 30, 2024 Citibank cards now Union Bank cards.. customer service is bad now😢

[@earlcornero]

Citibank din favorite ko sa lahat ng CC ko. Unfortunately, magsasara na sila dito sa pilipinas naghihintay nlng ng buyer na bibili sa citiph

[@ChiefJeyEf]

Do you think po sasaluhin nung bibili yung CC service ng Citibank?

[@earlcornero]

@@ChiefJeyEf yes po sa pagkakaalam ko sasaluhin po un pero kung sino ung bank na bumili sa citibank halimbawa bdo so ung card mong citibank magiging bdo na rin papalitan nila ng bago.

[@erniemharbatiller7542]

Hopefully may video ka na updated 2022 version

[@anjoenriquez2463]

Uy thea, came across your vid again. I've watched your Japan Trips tips. More power!

[@jodavid9558]

So true for forex transactions with Citi. Ang taas ng rate as compared to Security bank. Advantage real time ang posting kaya mas madali magmonitor.

[@purpledoodle06]

Very informative!! Love your videos Thea 🥰💯

[@alexisadrian2381]

Hello ms thea i just got approved using ur link, nakahabol ako sa promo ng city rewards! 💗 Tysm ms. Thea.

[@kristinereyes1299]

Thanks, Ms. Thea! ❤️

[@fredstylecooking2354]

Very informative ate Thea. NG babalak din po kasi ako. Thank you very helpful Para sakin po.

[@arma74]

Citi is pulling out of the PH, sabi it will be acquired by BPI.

[@hilaryannmagdamit5897]

I worked at citi bank as a customer service, for you to avoid the foreign fee of 3%, you may request the merchant to charge you in peso (Philippines), the annual fee is prohibited for refund. It's already part of terms and conditions ng card. For the annual fee refund you mentioned. It just only a one time courtesy. Benefits and parts po yun ng card yung annual fee na binabayaran ninyo.

[@TheaSyBautista]

Actually may foreign fee parin if you choose to be charged in Peso. Mas malaki pa spread ng POS machines vs cross-border charges. Annual fee can be waived annually by request though yun nga they are more strict now. Anyway sad na wala na Citi CCs offered here :(

[@christinepiaoan5931]

Only kept my two Citi and MB ccs. I felt validated, Tita Thea! 😹💞

[@markuchiha7737]

Naloko ko ng Citi nayan PAYLITE nila hndi eligible keme letche I bought 5k SM supermarket yet still not eligible. I would rather choose BDO anywhere in SM malls pwde installment

[@venzremarcaaa]

Very informative! Thank you, Ms. Thea.

[@daenyclark6958]

Nagtry ako magpa waive ng AF pero sabi last year pa lang hindi na cla nag wewaive. Titanium cc akin.

[@antonanton7162]

Pag medyo malaki na yung gross annual mo, tas a-apply ka ng no annual fee na card, mahirap ma-approve. Target ko sana makakuha ng lahat ng no annual fee cards, pero ang nakuha ko lang citi and pnb.

[@autoweldandpaintingfabrication]

Watching from La Union very interesting topic. Full support you channel.God Bless!

[@asuna3833]

Thanks for this, very informative as always.❤

[@warlybatac]

Just to share my experience.. HSBC - I like it because of the 0% installment program nila pwede for 3 to 6 months! Ang saya! Bpi - this is my first ever card, started with 10k credit limit, ngayon 6 digit na. Dami din nilang perks!! Dami kong GCs! Totoo ung sinabi mo, ang tagal ng customer service lalo na kung ipapa waive ang annual fee Citibank- I have this , simplicity ..dahil sa FREE ANNUAL fee forever!!! I will try the Citi rewards card! Thanks for this video, Thea. (My first time to comment but am always watching your vids)

[@sejimarichan8247]

Hsbc lang rin ata yung may 36months installment na 0% sa powermac

[@TheaSyBautista]

For the citi rewards for new to citi users lang yung promo ahh!! ☺️ thanks for sharing hsbc’s installment plan 💖

[@corenepornillosa]

Same comments with regards to East West Bank experience.

[@sangsinerbes8652]

more topic about credit cards please. very interesting topic.🥰

[@ChiefJeyEf]

Ms. Thea, what's you opinion/insight po na possible na may mag-acquire sa Citibank since oarang binebenta na nila?

[@rafajavier2305]

Siguro true po yung sinabi nyo na mas malaki chance maapprove pg my citi credit card kna. Kasi ako first card ko is citibank so kada apply ko ng other cc citibank ang ref. ko since sya pnkamatagal ko na card lhat nmn approved. Ngaapply lng ako ng card pg no annual fee ang offer.

[@diannepereyra7804]

BPI isnt that strict when waiving their cc'd annual fee but they have changed their conditions. as per my business manager they no longer allow spend limit to waive the annual fee

[@FarisiTV]

Hi! How to apply for CC if your company address is US-based? 😤 I’ve been trying online applications pero no option. Do I need to visit the bank?

[@epicepi9]

Annual Membership Fee for the first supplementary card of BPI cc is free for life, not a promotion. :) For the 2nd to the 6th, they will have half of the AMF of the card variant

[@Vinny7709]

Hi Ms. Thea! Thank you for this informative video 🤗 looking to apply for a CC, may question lang po ako pa'no ko po maeenjoy yong installment? Bet ko po kasi na laging maginstallment para sure ko pong mababayaran ko. 🤗

[@jeanclairenepomuceno8797]

Hi po, 15 credit limit. Ok ba yun mag spend 20 k for annual fee waiver? Unionbank cc. Newbie.

[@migz9077]

Hi Ms. Thea, ask ko lang po may debit card ba ang citibank and HSBC? May nakita ako mga peso saving account nila pero wla akong nakikitang pic ng atm card online even google nagugulumihanan na din po ako.

[@marieorcullo6208]

Is it worth to keep BPI Gold or downgrade nalang to BPI Blue card?? 700pesos din diff sa annual fee e. Help please.

[@freudcandelaria5806]

How much po credit limit sa simplicity +? May mastercard po ba yan

[@princemherjon]

Hello, do you have any idea if it's possible to change credit card type from the same issuing bank? Let's say from Gold to Classic? Thanks.

[@JuliaGVlogs]

Thank you Ms Thea for your tips..I've been following your videos and I learned a lot.God bless!

[@MAGTRAVEL]

Helpful tong video lalo na sa katulad kong gustong mag earn ng miles and hotel points

[@LifeWithIvanFrancis]

Do you have individual credit limits for your three Citibank credit cards? What is the reason for having three Citibank credit cards, and is it recommended to have all three? I currently have a Citibank PremierMiles credit card and am considering applying for the other two.

[@eca7053]

They all share the same credit limit when it comes to Citi.

[@inkapalacio1039]

same credit limit po ba pag may citi simplicity plus and rewards? parang pag ginamit mo ung simplicity ma dededuct din sa rewards card?

[@jmtuguigui]

Very informative ❤️ Ask ko lang if pwede pa ba magamit yung citi simplicity once ma activate na yung citi rewards card?

[@ameliablack4663]

slmt s information i salute you!! Nagplanu po kz q mg open ng credit card kzu My concern po ako anung preferred ninyo po n credit card n pde ko eopen kz ang point q para mg open ng credit card bka matulong po skin s pgbubukas ng negosyu n SARI-SARI STORE...slmt po..

[@sloysloy0921]

Hi Ms. Thea, what are the Pros and cons po for BDO Credit Card Mastercard Titanium?

[@johnlestereupena1256]

Hi Ms. Thea! What are the pros and cons of having multiple credit cards?

[@tonytonychopper9048]

Hi Ms. Thea! Beginner ako sa credit card and would want to have 1. OKay ba ang PNB Ze-lo?

[@karshi1290]

anyone can answer me? kapag po ba ginamit ang credit card pang bayad sa mga bills na auto charge online, totoo po ba yung tsismis na kapag kelangan na ipa cancel ang auto charge mahihirapan daw po? Kailangan ipa cancel sa bank at kelangan mo din makontak yung company biller na stop na ang auto charge

[@keithhernandez7271]

Hi Ms. Thea! Does it matter if it's Citi Visa or Citi Mastercard?

[@space_guy_04]

Got my citi premier miles and they did not even ask for proof except for my ID. Ang bilis wala pang 1 week dumating na cc ko. Ang nakakakatawa pa dito yung mga cc ko sa BPi at bdo kung nasaan yung banks ko na 6 digits yung umiikot na pera dahil sa business and salary ko ang binigay na limit sakin ay 20k lang. Samantalng yung Citi ko 6 digits.

[@mmmat5475]

Hi Ms.Thea, anong banko po savings account mo? I am planning to open a savings account kasi kaya lang i hve no idea kung alin ang ok na bank. But Mejo interested ako sa BPI or Security Bank. What do you think is better? Thank you ❤️

[@aaronczarpalabrica810]

Nagaactivate po ako citi bank kya lng hnd ko alam SSN atska ung zip code nman ay 5 digits pero 4 lng nman zip code pampanga paano po kya to?

[@jazzmhine6728]

Wala pakong CC... any suggestions naman po kung anong cc ang maganda para sa baguhan na kagaya ko

[@ezranavarro_17]

Hi, Miss thea ask ko lang po kung mag babayad padin ako ng annual fee ng credit card kahit hindi ko pa siya inaactivate? I have a credit card from BDO pero doubtful parin ako kung saan ko siya gagamitin. Feeling ko kase hindi pa ito ang time para gamitin ko siya.

[@yymmas]

thank you for the informative video! hope you can also do a video about how you manage multiple credit cards and knowing when to apply for a new one

[@skylinespaces2265]

Hi, Great video. What is a good credit card to apply for business loan installment?

[@JaneGee09]

Hello po ? Ask ko lang po kung meron din bang tumawag muna sa inyo ? Telling that they are third party source of metrobank ? And kailangan nilang iverify if tama ung mga nakalagay sa information mo like name mother's maiden name your work , para daw pag dating ng credit card is walang magiging problema at tama lahat ng info 3 numbers na ksse ung tawag ng tawag sakin simula kahapon about pag open ng credit card , SANA MASAGOT NYO PO THANKYOU .

[@ericavitug9638]

Is it still good to get citi credit card now that it’s acquired by Union Bank na?

[@crayonsandepsilon]

I think amex is not that common because merchant fee is high compared to visa and master... thanks for this video. this is very helpful. :)

[@asuna3833]

Hi Ms. Thea, may I ask if kino-consider ba ng Citibank rewards card yung cash-in sa grab pay for the requirement of 20k for 60days like what you did from your last video to waive your annual fee?

[@TheaSyBautista]

Oh for this one i am not sure. Best to real the terms and conditions of the promo. ☺️

[@asuna3833]

@@TheaSyBautista Ok, thank you!

[@victormejia888]

How about China bank credit card platinum? Any review ty

[@keeemdarrel]

Hi Ms. Thea, ask ko lang po if pede ba kumuha ng installment beyond credit limit? For example 50k ang product, pero 40k lang limit, pero kukunin in 5 months so 10k/month. Never had a credit card. Thanks! :)

[@knonfictional]

Hi ano pong best gamitin for overseas shopping or ginagamit niyo sa mga travels abroad? Thanks

[@ry2vlogs652]

Regarding Citi Rewards first 60days upon receiving po ba sya o upon approval. 30days kasi bago nadeliver yung card.