Getting a Credit Card should be Easy-Peasy!
Owning a credit card can bring countless advantages to its holder. Aside from convenience, it offers protection and rewards. It can also help one’s financial well-being when used responsibly.
As the credit card application process and approval can take time, many are discouraged to apply for a credit card. But did you know there are credit cards with easy application process? Here’s a quick guide.
Credit cards with Easy Application Requirements
Citi Simplicity + Mastercard
Monthly Income Requirement: Php 250,000
Annual Fee : No annual fee
Citi Simplicity + Application Requirements *
- 21 years old & older
- 1 Valid ID with photo **
- Proof of income (latest payslip, latest BIR 2316, original and signed Certificate of Employment)
- Bank Statement of your Payroll Account showing your one-month salary
* for those without credit card
** Valid TIN, SSS, GSIS or UMID number and active landline or mobile number are required
Security Bank Mastercard Classic
Security Bank Mastercard Classic
Monthly Income Requirement: Php 360,000 *
Annual Fee:
Security Bank Mastercard Application Requirements
- 21 years old and older
- 1 government-issued, photo bearing ID
- Proof of Income:
- For employed individuals: Signed COE or ITR or 3-month payslip with company ID
- For self-employed: 3 years AFS and SEC / DTI registration
- Active landline number is required
* for first-time cardholders
BPI Family Bank Savings Credit Card
BPI Family Bank Savings Credit Card
Monthly Income Requirement: Php 180,000
Annual Fee: Php 1,350.00
BPI Family Bank Savings Credit Card Application Requirements
- 21 to 60 years old
- 1 Valid ID with photo and signature
- Proof of Income
- For employed individuals: COE, last 3 pay slips, latest ITR, latest Serice Record (for government employees, valid credit card reference and latest month Statement of Account)
- For self-employed: latest audited financial statements (AFS) with BIR / bank stamp and latest ITR with BIR / bank stamp, valid credit card reference and latest month Statement of Account
- Active business or residence contact number is required
East West Practical Credit Card
East West Practical Credit Card
Monthly Income Requirement: Php 120,000
Annual Fee: Php 1,400.00
East West Practical Credit Card Application Requirements
- 21 years old and older
- 1 Valid ID with photo
- Proof of Income
- For employed individuals: COE, last 2 payslips latest ITR with BIR / bank stamp
- For self-employed: latest audited financial statements (AFS) with BIR / bank stamp and latest ITR with BIR / bank stamp
- Active residence or mobile phone and business contact number is required
AUB Easy Mastercard
Monthly Income Requirement: Php 225,000
Annual Fee: waived
AUB Easy Mastercard Application Requirements
- 21 to 65 years old
- 1 Valid ID with photo
- Proof of Income
- For employed individual, at least one of the following: COE, latest 1 month pay slips latest ITR
- For self-employed: latest audited financial statements (AFS), and latest ITR, DTI registration (preferably under card applicant’s name)
- Active landline or mobile phone contact number is required
- Active email address
Final Thoughts
These are just some of the credit cards with easy application requirements. Be diligent and do your research well so you know what card suits you best and how to get the best possible deal.
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