UnionBank vs. BPI vs. BDO: Which Credit Card Is Best for You?

Getting your first credit card can feel exciting — and a little confusing. With so many options in the Philippines, it’s hard to know which bank offers the best features, lowest fees, and most practical benefits for beginners.

In this guide, we’ll compare the three biggest banks — UnionBank, BPI, and BDO — to help you decide which credit card suits your needs best. Whether you’re after cashback, rewards, or a simple starter card, this breakdown will make it easy to choose wisely.

Understanding What a Credit Card Is

Before comparing, let’s quickly cover the basics.

A credit card lets you borrow money from the bank to make purchases, even if you don’t have cash at the moment. You’ll pay back what you spend — either in full each month (to avoid interest) or over time (with added interest).

In simple terms:
It’s like buying now and paying later — but with responsibility.

Example:
If you buy a ₱5,000 item using your credit card, the bank pays first. You’ll repay the bank when your billing statement arrives.

That’s why it’s important to understand fees, interest rates, and payment deadlines before applying.

Why Choosing the Right Bank Matters

Not all credit cards are the same. Some focus on cashback, others on rewards, and others on travel perks.

Your lifestyle and spending habits determine which card gives you the most value.

For example:

Do you shop online often? → Look for cashback or online rewards.
Do you travel? → Look for miles or travel insurance benefits.
Do you just need a starter card? → Go for low fees and easy approval.

Let’s now compare UnionBank, BPI, and BDO — three of the top credit card providers in the Philippines.

UnionBank Credit Cards

Best for: Beginners, cashback seekers, and digital users

UnionBank has made a name for itself with easy online applications, low starting requirements, and no annual fee options.

Many Filipinos also prefer UnionBank because it integrates smoothly with GCash, PayPal, and online payments — great for freelancers and online buyers.

Popular UnionBank Cards

Card Name	Best For	Key Feature	Annual Fee
UnionBank Rewards Card	Everyday spending	Earn 1 point per ₱30 spend	₱2,500
UnionBank Gold Mastercard	First-time users	Low income requirement	₱1,500
UnionBank Cash Back Platinum Visa	Bill and grocery shoppers	6% cashback on groceries	₱4,000
UnionBank Lazada Credit Card	Online shopping	Up to 6x points on Lazada	₱3,000

Pros

✅ Fast online approval
✅ Flexible payment options
✅ Great cashback offers
✅ Works well with digital wallets

Cons

❌ Some cards have higher annual fees
❌ Limited travel perks compared to BPI or BDO

Recommended for:
Those who shop online, pay bills regularly, or want their first easy-to-manage credit card.

BPI Credit Cards

Best for: Frequent travelers and disciplined spenders

BPI credit cards are known for their reliability, good rewards system, and low interest rates.

They also have solid installment programs that make large purchases more manageable.

Popular BPI Cards

Card Name	Best For	Key Feature	Annual Fee
BPI Blue Mastercard	New users	Low income requirement	₱1,550
BPI Gold Mastercard	Everyday purchases	1 point per ₱35 spend	₱2,250
BPI Amore Visa Platinum	Travel & lifestyle	Free lounge access	₱5,000
BPI eCredit Card	Online use	Virtual card for secure transactions	₱500

Pros

✅ Good rewards and installment plans
✅ Lower interest rates than average
✅ Strong customer service

Cons

❌ Slightly longer application process
❌ Some cards require higher income

Recommended for:
Those who want a stable, long-term credit card with solid rewards and travel perks.

BDO Credit Cards

Best for: All-around users and shoppers with steady income

BDO has one of the largest credit card networks in the country and offers a wide variety — from basic to premium. It’s ideal for users who want flexibility, exclusive discounts, and reliable customer service.

Popular BDO Cards

Card Name	Best For	Key Feature	Annual Fee
BDO Classic Mastercard	Starters	Low income requirement	₱1,500
BDO Gold Mastercard	Everyday use	Free travel insurance	₱2,500
BDO ShopMore Mastercard	SM shoppers	5% rebate at SM	₱2,500
BDO Platinum Mastercard	Frequent travelers	Airport lounge access	₱4,500

Pros

✅ Huge selection of cards
✅ Strong presence nationwide
✅ Exclusive SM Advantage and promo tie-ups

Cons

❌ Harder approval for new applicants
❌ Annual fees can be higher

Recommended for:
People who shop at SM stores or want a wide range of options from beginner to premium cards.

Side-by-Side Comparison

Feature	UnionBank	BPI	BDO
Online Application	✅ Yes	✅ Yes	✅ Yes
Minimum Income Requirement	₱15,000	₱21,000	₱15,000
Annual Fee Waiver (1st Year)	✅ Yes	✅ Yes	✅ Yes
Cash Back Option	✅ Excellent	⚪ Limited	⚪ Moderate
Travel Benefits	⚪ Moderate	✅ Excellent	✅ Excellent
Rewards Points	✅ Good	✅ Excellent	✅ Good
Digital Integration	✅ Excellent	⚪ Moderate	⚪ Moderate

How to Apply for a Credit Card (General Process)

Applying is straightforward — especially for first-timers.

Step-by-Step:

Check your eligibility
- Must be 21–65 years old
- Have a valid government ID
- Have a minimum income (varies by card)
Prepare your documents
- Valid ID (Passport, Driver’s License, UMID, etc.)
- Proof of income (Payslip, COE, or ITR)
- Proof of billing (for address verification)
Apply online or in-branch
- You can apply directly on the bank’s website.
- For faster approval, apply where you have an existing account (e.g., savings with BPI).
Wait for approval
- Online applications take 3–5 business days.
- You’ll receive your card by courier once approved.

How a Credit Card Works (Simple Example)

Let’s say you have a UnionBank Gold Mastercard with a ₱20,000 limit.

You buy groceries worth ₱5,000.
You receive your billing statement next month.
You can either:
- Pay ₱5,000 in full — no interest, or
- Pay the minimum amount due (e.g., ₱500) — but you’ll be charged interest on the remaining ₱4,500.

That’s why it’s best to pay in full each month to avoid extra costs.

Smart Tip: Calculate Your Card Costs Before Applying

Before applying, it helps to know how much your credit card will actually cost per month — including interest, annual fees, and total payments.

You can try this free tool:
👉 Credit Card Cost Calculator

It’s perfect for first-time users who want to understand real costs and avoid surprises.

Which Credit Card Should You Choose?

Here’s a quick guide based on your lifestyle:

Type of User	Best Bank	Recommended Card
First-time cardholder	UnionBank	UnionBank Gold Mastercard
Online shopper	UnionBank	Lazada Credit Card
Traveler	BPI	Amore Visa Platinum
SM shopper	BDO	ShopMore Mastercard
Rewards-focused	BPI	Gold Mastercard
Budget-conscious	UnionBank	Cash Back Platinum Visa

Verdict:
If you’re a first-time cardholder, UnionBank offers the easiest approval and digital access.
If you love rewards and travel, BPI is your best bet.
If you shop a lot and want variety, BDO gives you flexibility and promos.

TL;DR – Summary

Category	Best Bank
For first-timers	UnionBank
For rewards and travel	BPI
For shopping and promos	BDO
For lowest hassle and easy approval	UnionBank

All three are excellent — but UnionBank wins for beginners thanks to its user-friendly app, online approval, and simple requirements.

Frequently Asked Questions (FAQs)

1. What is the easiest credit card to get approved for in the Philippines?
UnionBank and BDO Classic cards are among the easiest for first-time applicants with steady income.

2. What is the minimum salary required for a credit card?
Usually ₱15,000–₱21,000 per month, depending on the bank and card type.

3. Can I apply for a credit card without a bank account?
Yes. You can still apply as long as you have valid proof of income and identification.

4. Which credit card has no annual fee?
UnionBank offers some no-annual-fee cards, especially for first-time users or promos.

5. How do I check the total cost of my credit card?
Use the free Credit Card Cost Calculator to estimate your monthly and yearly costs.

Final Thoughts

Choosing between UnionBank, BPI, and BDO depends on your lifestyle and goals.
If you’re starting out, go for UnionBank.
If you travel or spend regularly, choose BPI.
If you want wide acceptance and SM perks, BDO is a great choice.

Whichever you pick, remember — a credit card is a financial tool, not extra cash. Use it wisely, pay on time, and take advantage of the perks that match your lifestyle.

UnionBank vs. BPI vs. BDO: Which Credit Card Is Best for You?