Easiest Credit Cards to Get Approved for in 2025 (Philippines Guide)

Applying for your first credit card can be overwhelming, especially if you’re worried about getting rejected. Good news: not all credit cards are hard to get. In 2025, several banks in the Philippines are offering beginner-friendly credit cards with low requirements and high approval rates — perfect for first-time users and those with no credit history.

In this guide, you’ll learn:

The easiest credit cards to get approved for this 2025
The requirements and application process
Tips to increase your chances of approval
How to manage your first credit card wisely
A free Credit Card Cost Calculator to plan your monthly payments

1. What Makes a Credit Card “Easy to Get Approved”?

Banks approve certain credit cards faster because they’re designed for beginners and first-time applicants.

Here are the key features that make a credit card easier to apply for:

Factor	Why It Matters	Example
Low Income Requirement	Easier for fresh grads & freelancers	₱10,000–₱15,000 minimum income
Secured or Entry-Level	Uses a deposit or lower risk for banks	BDO Secured Card
Automatic Approval Programs	Some banks approve instantly if you meet deposit or salary criteria	RCBC InstaCard
Beginner-Friendly Features	No complicated perks; focuses on building credit	UnionBank Starter Card

2. Types of Easy-Approval Credit Cards

2.1. Secured Credit Cards (Best for First-Timers)

Requires a cash deposit as collateral.
Approval is almost 100% guaranteed.
Perfect for students, freelancers, or anyone without income documents.

Example: Deposit ₱10,000 with the bank → Your credit limit = ₱10,000.

2.2. Low-Income Regular Credit Cards

Ideal if you have a stable income but a short credit history.
Requires minimal documents like valid IDs and proof of income.

2.3. Co-Branded & Store Credit Cards

Easier approval if you’re a loyal customer of a partner store.
Great for shopping, fuel, and lifestyle perks.

3. Top 7 Easiest Credit Cards to Get Approved for in the Philippines (2025)

Bank	Credit Card	Minimum Income / Deposit	Annual Fee	Highlights
BDO	BDO Secured Mastercard	₱10,000 deposit	₱150/month	100% approval, perfect for first-timers
RCBC	RCBC InstaCard	₱10,000 deposit	₱1,200/year	Fast approval + rewards points
UnionBank	UnionBank Secured Visa	₱10,000 deposit	₱1,500/year	Easy online shopping access
Security Bank	Fast Track Secured Card	₱15,000 deposit	₱2,000/year	Upgrade to regular card after 12 months
EastWest	EastWest Practical Card	₱10,000 deposit	₱1,200/year	Simple perks, beginner-friendly
Metrobank	Metrobank Secured Card	₱15,000 deposit	₱2,000/year	Installment plans available
CitiBank	Citi Secured Mastercard	₱20,000 deposit	₱2,500/year	Global acceptance, perfect for travel beginners

💡 Pro Tip: If it’s your first credit card ever, secured cards offer the fastest approval. After 6–12 months of responsible use, banks often upgrade you automatically to an unsecured card.

4. How to Apply for These Easy-Approval Credit Cards 📝

Step 1: Choose the Right Card

Pick based on:

Minimum deposit or income required
Annual fee affordability
Rewards or perks you’ll actually use

Step 2: Prepare the Required Documents

Most banks only require:

1 valid government-issued ID
Deposit slip (for secured cards)
Proof of income (for low-income regular cards only)

Step 3: Submit Your Application

Apply online via the bank’s website OR
Visit the nearest bank branch

Step 4: Wait for Approval

Secured credit cards → usually approved in 3–5 days
Low-income regular cards → 5–7 business days

Step 5: Activate & Start Using Your Card

Once approved, activate your card and use it responsibly to build a positive credit history.

5. Use the Credit Card Cost Calculator Before Applying 📊

Before you apply, it’s smart to check how much you’ll actually pay each month.

Use the Credit Card Cost Calculator to:

Estimate monthly dues based on your credit limit
See interest charges if you don’t pay in full
Plan your budget so you avoid credit card debt

This tool is perfect for beginners who want to stay in control of their spending.

6. Tips to Get Approved Faster 🚀

Apply for beginner-friendly cards first
Maintain a good savings balance in the same bank
Avoid multiple applications at once
Always provide complete and accurate documents
Consider starting with a secured credit card if you’re worried about rejection

7. Common Reasons Why Credit Card Applications Get Denied ❌

Incomplete documents
Low or unstable income
Existing unpaid loans or bad credit history
Applying for high-limit cards as a first-timer
Multiple recent applications raising red flags

8. TL;DR (Quick Summary)

In 2025, the easiest credit cards to get approved are secured cards and low-income starter cards.
Minimum deposit requirements start at ₱10,000.
Use the Credit Card Cost Calculator before applying to plan your payments.
Start small, use responsibly, and upgrade later for better perks.

9. FAQs About Easy-Approval Credit Cards

1. What’s the fastest credit card to get approved for in the Philippines?

Secured credit cards like BDO Secured Mastercard and RCBC InstaCard have near-instant approval.

2. Can I get a credit card without proof of income?

Yes. Secured credit cards don’t require income documents — you just need a deposit.

3. How much should I deposit for a secured credit card?

Most banks require ₱10,000 to ₱15,000, but some cards accept higher deposits for bigger credit limits.

4. Will my deposit be used for purchases?

No. Your deposit is collateral only and stays untouched unless you default on payments.

5. Can I upgrade to a regular credit card later?

Yes! After 6–12 months of responsible use, most banks will automatically upgrade your secured card.

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Easiest Credit Cards to Get Approved for in 2025