Explore Personal Loan Options Tailored for Your Needs
BDO Standard Mastercard
Annual Fee: First year: Free PHP 150/month on the 13th month onwards
Interest Rates: 3% /month
Min. Annual Income: Local Residents: PHP 180,000 annual gross income Foreign Residents: PHP 240,000
Intallment programs: Available %
0% installment plans at partner merchants, access to exclusive sales events
Up to 50% off at selected restaurants, shopping discounts, waived fees for selected partner stores
Earn 1 point for every PHP 50 spent. Get 2x Peso Points from your everyday, everywhere purchases. Convert your points to Cash Credit or transfer to SMAC or BDO Rewards.
Employed/ General consumers/ OFWs/ First-time cardholders
Valid government-issued ID (passport for freigners). Proof of income (e.g., payslips, income tax return). Completed application form.
Online or in-branch application; approval typically takes 7-14 business days
PNB Ze-Lo Mastercard
Annual Fee: No annual fee for life
Interest Rates: 2.5% /month
Min. Annual Income: Annual income is at least PHP 120,000
Intallment programs: Available %
0 annual fee for life 0 late payment fees 0 overlimit fees Lower minimum amount due Get cash up to 30% of your credit limit Pay your bill in Peso, even for transactions abroad Global and online acceptance
Up to 40% OFF at Mabuhay Chiropractic and Rehabilitation Clinic Up to 45% OFF at B Hotel Alabang 20% OFF at Lanson Place Mall of Asia 20% OFF at Cyan Modern Kitchen 10% OFF at Shi Lin
Not applicable
Employed/ Self -employed/ Foreign national 21-65 years old
Valid government-issued ID (passport for freigners). Proof of income (e.g., payslips, income tax return). Completed application form.
Online or branch application
RCBC Classic Mastercard
Annual Fee: First year: Free PHP 1,500/year from the 2nd year onwards
Interest Rates: 3.5% /month
Min. Annual Income: Annual income is at least PHP 180,000
Intallment programs: Available %
Free budget monitoring tools. Free Travel Insurance (Travel Plus Lite) and Purchase Protection. Access to PAGSS Lounge in Terminals 1 & 3.
0% Installment + Win ₱5,000 Gift Pass at SM Store Win up to 500,000 AirAsia Points at AirAsia FREE Classic Nachos at La Guada Mas
Earn flexible, non-expiring Rewards Points from all your purchases which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC deposit account, or Donation.
Travelers/ Employed/ Self-employed 18-65 years old
Valid government-issued ID (passport for freigners). Proof of income (e.g., payslips, income tax return). Completed application form.
Online or at RCBC branches. Approval time typically processed within 7-14 business days.
RCBC Flex Visa
Annual Fee: First year: Free PHP 1,500/year from the 2nd year onwards
Interest Rates: 3.5% /month
Min. Annual Income: Annual income is at least PHP 240,000
Intallment programs: Available %
Free budget monitoring tools. Free travel insurance up to PHP 50,000 for travel-related purchases using the card. Access to PAGSS Lounge in Terminals 1 & 3.
FREE Jollibee Treats with Visa 0% Installment + Win ₱5,000 Gift Pass at SM Store Win up to 500,000 AirAsia Points at AirAsia
Earn non-expiring rewards points on all purchases: 2x points for dining, travel, and shopping categories.
Frequent shoppers/ Travelers/ Employed/ Self-employed 18-65 years old
Valid government-issued ID (passport for freigners). Proof of income (e.g., payslips, income tax return). Completed application form.
Online or branch application
BDO ShopMore Mastercard
Annual Fee: First year: Free PHP 150/month on the 13th month onwards
Interest Rates: 3% /month
Min. Annual Income: Local Residents: PHP 180,000 annual gross income Foreign Residents: PHP 240,000
Intallment programs: Available %
Exclusive SM sale access, 0% installment at SM-affiliated stores
Earn SMAC (SM Advantage Card) points for every purchase, discounts on selected SM stores and events
1 SMAC point earned for every PHP 200 spent Get 2x Peso Points from your everyday, everywhere purchases. Convert your points to Cash Credit or transfer to SMAC or BDO Rewards.
Frequent SM shoppers/ First-time cardholders/ Individuals seeking installment options
Valid government-issued ID (passport for freigners). Proof of income (e.g., payslips, income tax return). Completed application form.
Online or in-branch application; approval typically takes 7-14 business days