Credit cards can be useful for managing daily spending, but many Filipinos hesitate to get one because of the added costs that come with it. Annual fees, in particular, can feel like paying for a privilege rather than a benefit, and that makes a lot of people think twice. Fortunately, there are credit cards with no annual fee Philippines’ consumers can add to their credit portfolio. Examples of this include the Landers Cashback Everywhere Credit Card and Maya Black, both powered by Maya, the #1 digital bank in the country. These cards are among the best credit cards in the Philippines for starters, giving you the convenience, security, and perks of a credit card, all without the yearly charge eating into your budget.
Acquiring a no annual fee card in the Philippines lets you:
No-Annual-Fee Credit Card Philippines Perk # 1: Enjoy Cost Savings without the Burden of Fees
Every peso counts, no matter if you’re managing your household’s budget or augmenting your income. An annual fee of PHP 2,000 to PHP 5,000 may not seem huge on its own, but it’s money you could have put toward essentials like groceries and fuel or building an emergency fund. Getting a credit card with no annual fee Philippines consumers trust enables you to remove that recurring cost. In turn, you can focus on the advantages of using credit without worrying about how much you need to spend just to break even.
No-Annual-Fee Credit Card Philippines Perk # 2: Build Long-Term Value with a Card You Can Keep Open
Credit history matters when it comes to getting approved for bigger financial products later on, like personal loans or mortgages. One of the best ways to build and maintain a healthy credit score is to keep a credit card open for years while paying on time. Annual fees can be a barrier to achieving this goal. If you’re able to access an easy credit card application process that leads to a no-annual-fee card, you can remove this hurdle entirely. This allows you to hold the account long-term and establish a stronger credit history at no extra charge.
No-Annual-Fee Credit Card Philippines Perk # 3: Maximize Everyday Spending and Rewards
Some people assume that only premium, high-fee cards offer real perks. That’s no longer the case, as many no annual fee credit cards in the Philippines still come with cashback or travel benefits. When you use them for daily expenses like supermarket runs, online shopping, or utility bills, you’re getting extra value on purchases you would have made anyway. The best part is that these rewards are yours to enjoy without having to offset a yearly fee.
Why Maya’s No Annual Fee Credit Cards Stand Out
Not all annual fee-free credit cards are created equal. As mentioned before, two options from Maya give you strong value without the yearly charge:
- Landers Cashback Everywhere Credit Card – A perfect option for Landers members, the Landers Cashback Everywhere Credit Card gives you up to 5% cashback at Landers, 2% on dining spends, and 1% on all other qualified transactions.* Best used for managing household expenses or shopping in bulk to get more cashback savings.
- Maya Black Credit Card – The traveler-friendly Maya Black Credit Card lets you earn up to 10x Maya Miles when you use it to transact with Maya Black Preferred merchants. It also elevates your journeys with a global airport lounge pass via DragonPass, so you can travel comfortably anywhere in the world. Plus, its sleek numberless physical card lets you pay securely and confidently wherever you go.
Both cards give you practical, long-term value while removing the stress of annual fees. They’re designed for Filipinos who want real perks without the extra cost.
Not Quite Ready? Start with Maya Easy Credit
If you’re just starting your financial journey and have been asking yourself how to avail a credit card, applying for a no annual fee credit card in the Philippines can feel intimidating. After all, there’s a limited number of credit cards for beginners in the Philippines, and you’ll likely need to build up your credit history to improve your chances of getting one.
You can do just that while using a credit line through Maya Easy Credit. This virtual credit line offers up to PHP 30,000 and can be paid in up to 30 days. Apply for this quick and hassle-free option on the Maya app, then use it responsibly by making small purchases, repaying on time, and staying within your limits. Done consistently, these habits will make it easier for you to build a positive credit history and succeed in your first-time credit card application in the Philippines.
This foundation makes it easier for you to qualify for higher-value cards later, like the Landers Cashback Everywhere Credit Card or the Maya Black. Think of Maya Easy Credit as your stepping stone: it helps you prove your reliability as a borrower and gives you more confidence when you’re ready for a full credit card.
No Annual Fee Credit Cards Offer a Smarter Way to Pay
A no annual fee credit card gives you the chance to enjoy the benefits of credit without the burden of extra charges. For Filipinos who want to save money while building financial stability, this type of card is a practical and empowering choice. Whether you’re just beginning with Maya Easy Credit or ready to maximize the rewards of using the Landers Cashback Everywhere Credit Card and the Maya Black Credit Card, you have flexible options that fit your lifestyle and financial goals, all without the stress of annual fees.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
