How OFWs Can Get a Credit Card in the Philippines

Being an Overseas Filipino Worker (OFW) means working hard abroad to provide a better life for your family back home. But when it comes to managing finances in the Philippines, having a credit card can make life easier — from online shopping and bills payment to emergency expenses and travel bookings.

The challenge? Many OFWs get rejected when applying for a credit card due to lack of local income documents. Don’t worry — this guide will teach you step by step how OFWs can get approved faster, which banks are most OFW-friendly, and how to use your credit card wisely.

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1. Why OFWs Need a Credit Card in the Philippines

Having a credit card isn’t just about shopping; it’s about financial convenience and security. Here’s why OFWs benefit greatly from having one:

• Easy Remittances & Family Expenses → Send money home and allow your family to pay bills directly using the card.
• Emergency Fund → Credit cards provide a financial cushion when unexpected expenses arise.
• Online Shopping & Bookings → Many services require cards, especially for airline tickets and hotel reservations.
• Build Credit History in PH → Even if you’re working abroad, you can establish a good credit score back home.

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2. Challenges OFWs Face When Applying for a Credit Card ❌

Applying for a credit card as an OFW is harder than for regular employees because banks usually require proof of local income. Here are common issues:

Challenge	Why It’s a Problem	Solution
No local payslips	Most banks prefer locally employed applicants	Apply via Secured Credit Cards or OFW-friendly banks
Overseas-based income	Harder for banks to verify foreign employment	Submit employment contract or remittance proofs
Lack of credit history	First-time applicants may get rejected	Start with Secured Cards or Supplementary Cards
Communication issues	Being abroad slows down verification	Choose banks with online application portals

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3. Options for OFWs to Get a Credit Card

Here are the best ways to successfully apply for a credit card in the Philippines if you’re working abroad:

3.1. Apply for a Secured Credit Card (Best for Beginners)

• Deposit a certain amount in the bank → your credit limit = your deposit.
• Almost 100% approval rate since there’s little risk for banks.
• Perfect for OFWs with no local income documents.

Example:

• Deposit ₱15,000 → Credit limit ₱15,000.
• After 6–12 months, some banks upgrade secured cards into regular credit cards if used responsibly.

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3.2. Get a Supplementary Credit Card

• Ask a family member in the Philippines with an existing credit card to add you as a supplementary user.
• Fast approval, no separate income documents required.
• Perfect for OFWs who want a card for family use without going through the main application process.

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3.3. Apply Through OFW-Friendly Banks 🏦

Some banks in the Philippines offer credit card programs specifically designed for OFWs and seafarers.

Bank	Recommended Credit Card	Minimum Deposit / Income	Approval Time	Highlights
BDO	BDO Kabayan Secured Card	₱10,000 deposit	3–5 days	Designed for OFWs, flexible approval
RCBC	RCBC InstaCard	₱10,000 deposit	5 days	Fast processing for OFWs
Metrobank	Metrobank Secured Mastercard	₱15,000 deposit	5–7 days	Ideal for remittance-linked accounts
Security Bank	Fast Track Secured Visa	₱15,000 deposit	7 days	Easy upgrade to unsecured card
EastWest	EastWest Practical Card	₱10,000 deposit	3–5 days	Beginner-friendly, low requirements

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4. Step-by-Step Guide: How OFWs Can Apply for a Credit Card

Step 1: Choose the Right Credit Card

• If no local income documents → Go for a secured card.
• If your family has an existing card → Request a supplementary card.
• If your bank offers OFW programs → Apply directly for those cards.

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Step 2: Prepare the Required Documents 📄

For Secured Credit Cards:

• Valid government ID
• Proof of deposit
• Accomplished application form

For Regular OFW Credit Cards:

• Passport
• Overseas employment contract
• Proof of remittance or payslips
• Any Philippine address and contact person

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Step 3: Submit the Application

• Online application → Faster and more convenient.
• Walk-in application → If you’re in the Philippines on vacation.

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Step 4: Wait for Approval & Activation

• Secured cards: 3–5 working days
• Regular OFW cards: 5–10 working days

Once approved, activate your card online or through the bank’s hotline.

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5. Use the Credit Card Cost Calculator Before Applying 📊

Before you apply, calculate your potential monthly dues using the Credit Card Cost Calculator.

This tool helps you:

• Estimate interest rates and fees
• Check if you can afford your monthly payments
• Avoid overspending and potential credit card debt

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6. Tips to Increase Your Approval Chances ✅

• Maintain an active savings account with the same bank
• Start with a secured credit card if you have no credit history
• Avoid applying for too many cards at once
• Always provide complete and updated documents
• Build a remittance history with your preferred bank

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7. Common Mistakes to Avoid ⚠️

• Applying for premium cards with strict requirements
• Submitting incomplete documents
• Ignoring fees and interest charges
• Missing payments, which can hurt your credit score

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8. TL;DR (Quick Summary)

• OFWs can get credit cards in the Philippines through:
  1. Secured credit cards (best for beginners)
  2. Supplementary cards from family members
  3. OFW-friendly bank programs
• Use the Credit Card Cost Calculator before applying to manage your budget.
• Start small, build your credit history, and upgrade later for better perks.

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9. FAQs About OFWs & Credit Cards

1. Can I get a credit card even if I’m working abroad?

Yes! You can apply for a secured card, get a supplementary card, or use OFW-friendly credit card programs.

2. Do I need proof of income in the Philippines?

Not necessarily. Secured cards don’t require it, but for regular cards, you may need remittance slips or employment contracts.

3. Can my family use my credit card in the Philippines?

Yes, if you make them supplementary cardholders, they can use the card while you’re abroad.

4. How much do I need to deposit for a secured card?

Most banks require ₱10,000 to ₱15,000, depending on the card type and your preferred limit.

5. How can I build my credit score as an OFW?

Use your card responsibly, pay on time, and avoid overspending. After 6–12 months, you can upgrade to a regular credit card.