List Of Credit Cards With Easy Application

Having a credit card enables a person to purchase an item that they can’t afford on the spot. However, a credit card also takes time to have because of the approval process. No worries, this article will help you find Credit Cards with easy application.

Here is the list of credit cards with an easy application process:

Security Bank Fast Track

-Interest rate: 3.50%
-Income requirement: None
-Yearly fee: PHP 2,000 to PHP 4,000 (Free for the first year of application)

Requirements:

-Must be 21 years old and above
-Must have Security Bank saving account with at least Php15,000 – Php 100,000 holdout amount
-Government-issued ID
-Phone number, home or office landline number
-Application form
-Holdout agreement form

Credit Cards With Easy Application

Security Bank Classic Rewards Mastercard

– Interest rate: 3.50%
-Income requirement: Php15,000 monthly
-Yearly fee: Php2,000

Requirements:

-Must be Filipino Citizen
-Must be 21 years old and above
-Landline number
-Government-issued ID
-Must be a regular employee for 1 year. In addition, they need to provide a Certificate of employment, three-month payslip with company ID
-If not a regular employee, they must be self-employed for 3 years. They need to provide ITR and DTI or SEC registration papers or three-year audited financial statements

*Security Bank credit card is one of the easiest cards to get an assured 99% of application approval for both new and existing clients of the bank. Usually, the approval process will take as fast as 3 days upon submitting all the documents.

RCBC Bankard InstaCard Secured Credit Card or Rizal Commercial Banking Corporation Bankard

– Interest rate: 2.50%
-Income requirement: None
-Yearly fee:
Regular Card Php60 per month (Free for the first year of application)
Premium Card Php150 per month (Free for the first year of application)

Requirements:

-Must be 21 years old
-Must have RCBC savings account with at least PHP 10,000 hold-out deposit
-Valid IDs
-Application form
-Savings account opening forms
-Deed of Assignment

*Person who doesn’t have income documents can apply for this credit card since RCBC doesn’t require those documents. As long as they have a savings account with its required hold-out amount they can apply right away.

BPI Express Start Secured Credit Card

-Interest rate: 3.50%
-Income requirement: None
-Yearly fee: Php 1,000 up to Php 5,500

Requirements:

-Must be 18 years old and above
– Must have BPI savings account with at least Php 10,000 to Php 50,000 hold-out amount
-Home or office landline number
-Application form
-Deed of Assignment
-Additional requirements for foreign residents: Work permit, Alien Certificate of Registration, or embassy accreditation papers

*If you have a savings account with them you won’t be required to submit income documents. The amount you deposit in their bank will serve as the collateral.

BPI Family Savings Credit Card

-Interest rate: 3%
-Income requirement: Php 15,000 monthly
-Yearly fee: Php 1,350 (Free for the first year of application)

Requirements:

-Valid IDs
-Employed applicant, they need to provide Certificate of employment, latest two-month payslips, or latest ITR
-Self-employed applicant, they need to provide the latest ITR and latest audited financial statements
-OFWs applicant, they need to provide Contract of employment validated by POEA, latest two-month proof of remittance, and other income documents

*If you are a credit card holder at their bank, you don’t have to submit any income document to get a Family Saving Credit Card. Just submit the latest billing statements of your credit card and a photocopy.

PNB Visa Classic

-Interest rate: 3.25%
-Income requirement: Php 10,000 monthly
-Yearly fee: Php 300 (Free for the first year of application)

Requirements:

-Must be a Filipino citizen
-Must be 21 years old and above
-Government-issued ID
-Must be a regular employee for 1 year. In addition, they need to provide a Certificate of employment, the latest three-month payslips or ITR
– If not a regular employee, they must be self-employed for 3 years. They need to provide ITR and DTI or SEC registration papers or the latest audited financial statements

Eastwest Practical Mastercard

-Interest rate: 3.25% for drugstore, supermarket, and fuel purchases, 3.49% for other purchases
-Income requirement: Php 10,000 monthly
-Yearly fee: PHP 1,400 (Free for the first year of application)

Requirements:

-Must be 21 years old and above
-Phone number, home or office landline
-Home or office address that was specified by EastWest Bank
-Application form
-If Employed they need to provide a Certificate of employment, latest ITR, latest three-month payslips, or any income document accepted by EastWest Bank
-If Self-employed they need to provide Latest ITR and latest financial statements
-Foreign residents applicants, need to provide a work permit or ACR with an income document

*This is perfect if you are looking for a credit card with low-income requirements. However, the credit card application usually takes 2-3 weeks.

City Simplicity+ Credit Card

– Interest rate: 3.50%
-Income requirement:
With credit card: Php 13,846.15
Without credit card: Php 19,230.78
-Yearly fee: No fee

Requirements:

-Must be 21 years old and above
-Phone number or landline number
-SSS, GSIS, TIN, or UMID number
-If the applicant has an existing credit card, they have to provide a Government-issued ID
-If the applicant doesn’t have an existing credit card, they have to provide a government-issued ID, certificate of employment, payslip/income tax return, and bank statement of payroll account showing a one-month salary

*Application for this credit card doesn’t require a deposit account with the bank and income documents. As long as you have an active credit card with Citibank and other banks in the Philippines. In addition, it doesn’t come with annual fees, late payment fees, and over-limit fees.

Additional Tips To Get Approved For Credit Card Application:

  • Choose a cheaper credit card for you, you must apply for a card that fits your credit score
  • Open savings account on the bank you prefer
  • Settle any outstanding debts that you have
  • Make sure to check for the eligibility requirement before applying

The list of credit cards in this article is just a guide to give you information but it is important for you to conduct your own research so that you will be prepared to get the best deals possible.

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