Best Credit Cards for Beginners 2023 in the Philippines

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It's 2023 already so It's the perfect time for us to list down our Best Credit Cards for Beginners for 2023.
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💳 CREDIT CARD APPLICATION LINKS 💳
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UNIONBANK CREDIT CARDS: ZERO annual fees for life!
✅ UnionBank Rewards Visa Platinum
- apply.creatory.hyphengroup.io...
✅ UnionBank Cebu Pacific Gold
- apply.creatory.moneymax.ph/cl...
METROBANK CREDIT CARDS: FREE ₱2.5K eGC, Xiaomi Soundbar, Mi Band 8
✅ Metrobank Titanium Mastercard
PROMO: ZERO annual fees
- apply.creatory.hyphengroup.io...
✅ Metrobank Platinum Mastercard
PROMO: FREE 310,000 reward points!
- apply.creatory.hyphengroup.io...
✅ Metrobank World Mastercard
PROMO: FREE 300,000 reward points!
- apply.creatory.hyphengroup.io...
HSBC CREDIT CARDS: FREE ₱2.5K GC or Dolce Gusto Piccolo XS
✅ HSBC Red Mastercard
- apply.creatory.hyphengroup.io...
✅ HSBC Gold Visa
- apply.creatory.hyphengroup.io...
✅ HSBC Platinum Visa
- apply.creatory.hyphengroup.io...
SECURITYBANK CREDIT CARDS: FREE ₱2.5K eGift, Sony Wireless Headphones, or De'Longhi
✅ SecurityBank Gold Mastercard
- apply.creatory.hyphengroup.io...
BPI CREDIT CARDS: Annual Fee Waiver Forever
✅ BPI Cards
- clk.omgt3.com/?PID=52289&AID=...
OTHER CREDIT CARDS:
✅ HomeCredit
(Buy Now Pay Later)
- clk.omgt3.com/?PID=52198&AID=...
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💳 FREE CREDIT CARD SERVICES 💳
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✅ CREDIT CARD RECOMMENDATION:
bit.ly/NFCreditCardReco
We'll help you identify the NEXT Best Credit Card for You.
*for existing Credit Card holders only.
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🎥 MY RU-vid KIT:
HP Victus 15.6" i5-13420H 8gb/512gb SSD
- invol.co/clkh452
Canon EOS M50 Mark II Mirrorless Digital Camera
- invol.co/clkh45z
Apple iPhone 15
- invol.co/clkh46w
MAIA Selfie Ring Light Clip (16cm)
- invol.co/clkh47a
BOYA BY-V1/V2 BY-V Series Mini Wireless Lavalier
- invol.co/clkh47y
______________________________________________
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Thank you guys and God bless!

Опубликовано:

25 янв 2023

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Комментарии : 400

@NoyFinanceVlog Год назад

Download and Sign-up for an ATOME account now and receive FREE P200 Voucher from ATOME - app.atome.ph/s/03vmHyhF

@wifiboss-ph9482 Год назад

Its a bit quiet challenging sa face verification I don’t know why

@christiandavetantoy5921 Год назад

What is the BEST CREDIT CARD if you want to Buy a Motor Cycle and want to pay it thru installment???

@peterangab5061 Год назад

Pwede po ba c ATOME sa motorcycle installment?

@maricelsarmiento1335 Год назад

Very informative video who are planing to get a credit card

@cheryl3461 Год назад

Nag apply ako atome card until now nasa waiting list parin..by invitation palang sila

@mariepolsantos4457 Год назад

Thank you Noy! i'm 27 y/o pero now lang ako nagiging financially literate this video really helped me a lot to choose my first CC

@mamaimiah Год назад

Clear, direct and precise thanks sir!

@truytayaba2415 Год назад

Yehey.. A credit card content. Thank you very much

@NoyFinanceVlog Год назад

salamat sa pag aantay :)

@indaybangis Год назад

thank you for this wonderful information

@NoyFinanceVlog Год назад

welcome po :)

@soshifyme Год назад

I agree sa RBank DOS kaso the problem is their CS is SUPER SLOW. In case na may dispute ka, super tagal maka connect sa CS, good 30 - 40 mins tas auto DC pa minsan. Tagal pa ng turn around time nila pag may problem ka. Pero the card itself is great, kasi pag may mga expenses ka na mejo hindi napaghandaan, automatic 2 payments sya. I have Unionbank Visa planning to close it if di napawaive ang annual fee. UB Visa is an OK card but not the best. Meron den me na Metrobank na Titanium and naka promo sila na NAFFL as long as naka 180K ka within 1 year. BPI Amore naman for cashback. Personally, I will go for Citi, BPI, Metro and RCBC kasi sa promos.

@kingLuckss Год назад

hi sir, ano marerecommend mong best atm card na pwede gamitin local at international na mataas ang transaction limit? landbank at bpi pinag iisipan ko pero baka may mas maganda ka pang ma ssuggest. thank you sir

@perteztv3249 Год назад

Yun oh si idol

@enzoofficialx Год назад

More power sir noy!!!

@NoyFinanceVlog Год назад

salamat po :)

@user-vv5sr7jn5b 9 месяцев назад

Yeey, thanks

@rexdador5280 Год назад

How many times na rin ako ng apply ng credit card sa ibang bank at lahat rejected. Pero ngayon Im so happy kasi parang ng apply ako sa RCBC nabigla nalng ako after 2 months may dumating na parcel sa akin galing RCBC flex visa card at umpisa nun sunod sunod na ang mga ng message sa akin thru email na qualify ako sa credit card at my second credit card is BPI blue master card.

@royalchima4231 Год назад

Hi sir new to your channel what credit card can you suggest for Seafarers? Thank you!

@danwangiii50 Год назад

Good morning sir more video po sana sa rcbc flex 😁

@ren-leedavis8406 Год назад

Inaabangan ko talaga to yearly eh haha

@moijavier9658 7 месяцев назад

Pnka underrated na channel. More power to you sir. Ito ang content. Di yung mga taanga na tukomi

@NoyFinanceVlog 7 месяцев назад

thank you so much po :)

@crisalferez6172 Год назад

Magkaboses kayo ni snow badua hehe. Very informative, ty

@thirdiringan8828 Год назад

Thanks!

@NoyFinanceVlog Год назад

Thanks :)

@migueltoledo6592 Год назад

Hi gusto ko lang e tanong for example lumabas na po yung SOA sa 16th of the month, meaning cut off na po yun diba? Tas ginamit ko ulit yung cc example 4 days after lumabas yung SOA ko, san po yun mag ccharge sa next cycle na po ba yun or ma aadd siya sa current SOA ko kahit cut off na.

@jesellemorato8491 Год назад

Hi. Can u make a vid about security bank cc gold pros & cons . Thank you

@NoyFinanceVlog Год назад

sige tignan natin :)

@YhanD-vd5dw Год назад

Hello! Ano po maganda cc na for savings?

@clydebajamundi9381 9 месяцев назад

Hello Kuya Noy, new subscriber here. I got my first credit card which is BPI Blue Mastercard, ask ko lang yung sa 100% Bonus Madness Limit niya, applicable ba siya kahit beginner ka lang? Sana po masagot. Thanks!

@gtfo8319 Год назад

sa pnb zelo po ba need ng existing credit card or debit card sa kanila? di ko ma continue yung application

@alloutmusic5069 10 месяцев назад

Good day.. ikaw sir for first timers what is your recommended credit card?

@anreboquinquito4017 Год назад

Okay po ba ang BPI Amore classic? Salamat po sir

@baldozajoven3844 Год назад

Sir ask lang po of millitary po ang job negative po ba ma approve sa Kahit Anong bank

@Kel-rp9cs Год назад

Hello sir balak ko sana bumili ng mid range computer for gaming. ano po kaya pwede and best credit card and yung mabilis makakuha/approval. thnkyou

@judithgonzales2297 Год назад

lahat ba ng CC na nabanggit mo pde sa installment ? like gusto ko kumuha ng cp for installment

@gletzrald9145 Год назад

Hello! Di na po active yung mga links niyo sa description huhu

@josephsayson3453 10 месяцев назад

ty dahil dito kumuha ako secured creditcard sa rcbc now waiting nalang ako for delivery

@kingabedinkali9104 Год назад

Hello po. What are your thoughts about BDO Gold po?

@HanlimBrothers 4 месяца назад

Best credit card of 2024 na bossing! 😀

@juvelpactol1071 Год назад

Hi po online application po ba angbank commerce po?

@jomariedumaplin4166 Год назад

Pwede ba maka loan for motorcycle yang rcbc security CC?

@gtfo8319 Год назад

Ano pong cc yung 6months to pay for 0 interest po? Bibili po ng ticket sa sm for concert po.

@bottleneckpieces922 10 месяцев назад

Yung AUB Easy requires a minimum monthly income of Php50k na po as of October 2023.

@CristineMacmac-qu1ti 10 месяцев назад

Sir tanong ko lang po ano pong cc na pwdi sa tulad ko na bago palang nag babalak kukuha ng cc salamat po

@dinzdelfin7504 Год назад

Hi sir ask lang kung mgkno anual fee ng blue amex credit card. Dkopa kasi inaactivate e 1st time ko lng mg la cc. Thankyou sana mapandin

@HeavenWan Год назад

Sana ma approve yong bpi blue card application ko. ☺️

@erwinalmazan9214 Год назад

Yown, waiting for this

@NoyFinanceVlog Год назад

salamat bos! :)

@arjiebernabe-sb6op Год назад

Sir good eve..okay po ba kumuha Ng credit card thru moneymax?thanks

@rossanacodilla4749 10 месяцев назад

Kapag nag purchse kapo ng straigth payment kelan sya mababayaran? And need ba ubusin yung limit in a month?

@YanzOrtega Год назад

Sir ano maganda sa dlawa for begginers ..pnb or rcbc?

@alferd123 23 дня назад

Atome? Nkaka build po b sya ng credit score honor kaya sya ng ibang credit card after 6 months kong mag upgrade?

@jethEngine 9 месяцев назад

Tagal kong ng naka JCB Credit Card sa RCBC maganda talaga sa RCBC kaso natatawa ako sa kanila kasi gusto ko mag apply ng Classic Master Card lang ang daming hinihingi at tinatanong.

@olorocj82 Год назад

Hi Sir Im just new to your channel, I just wana share coz last August 2022, I applied for PNB secured cc ...and recently this month I was approve a regular credit card from HSBC ano kaya yun mga factors is it because I always use my pnb and always paid in time and in full.kc Before meron akong cc from EW back then 2010 and un un pinakauna ko na indi ko naisettle and indi ko namanage ng maus

@NoyFinanceVlog Год назад

im not sure lang po. lalo na kung hndi mo na nabayaran yung EW mo, mejo wierd na bngyan ka ng HSBC ng card pero kung gnon alagaan mo na :)

@unicorn9129 Год назад

Hi po, I just got my BPI blue mastercard. I have a car loan po sa RCBC and we normally pay before as bank transfer from our bpi debit account to rcbc. If we use our blue cc, may bayad po ba or interest if we do balance transfer to other banks or cash in to gcash?

@NoyFinanceVlog Год назад

you mean cash in from credit card to gcash?

@alexisopoc Год назад

Im a seafarer then currently onboard, Can i apply through online?

@Alibadbad Год назад

is it required to sign the back of the credit card? do merchants rejects transactions if a card doesnt have sign on the back?

@NoyFinanceVlog Год назад

its more for your security. hindi naman nila nirereject

@BigTRTv 5 месяцев назад

Hi sir but if you use atome on shop atome functions as debit

@lositodelacerna3279 Год назад

hello po ask lang po pano po mag apply ng credit card pupunta po ba dun po mismo sa mga credit card bank po mismo para mag apply mag try lang po ako isa ako motorcycle taxi driver freelancer po sana masagot thanks

@asinasipugaw3881 Год назад

May cc po ba na walang initial deposit or kahit 5k lng para sa 1st time sana magapply ng cc??

@mariepazsalonga2790 10 месяцев назад

Hello po sir.. Asko lng po pwede po ba mag apply sa ATOMe kht my history ka 11 yrs. Ago

@Cr3z7.7 10 месяцев назад

Is RCBC credit card can pay apple?

@maryannsalessacramento5561 Год назад

Hello sir. Pwede po ba magpatulong sa inyo kung ano ang credit card na pwde para sa akin. First time po ako gagamit ng credit card. Andito po ako sa Hongkong sa ngayon. Sana po mapansin nyo messege ko. Thank you po😊🙏

@kimbryanbitara6580 9 месяцев назад

Hello sir sa BDO Po ano maganda for beginners may pre approved kc Ako BDO gold visa

@fleija9848 7 дней назад

Pano po nalalaman kung how much lang ang ibibigay sayo na credit limit?

@jethcruz4462 Год назад

ask ko lang bakit sa site ng rcbc ang need na monthly income sa flex visa is 19k above

@rolandoguiang6627 Год назад

Sir may babayaran po ba sa baguhan na kukuha ng credit card?

@marifebisnar355 Год назад

Next time po vlog ninyo,paano ma redeem ang points ng credit card.thnks po.

@NoyFinanceVlog Год назад

sige pwede naman. usually kasi via call lang sya :)

@jemorante6634 Год назад

sana po maisama nyo po yung mga interest rate nila.

@eljaysicat4776 Год назад

Hi po , question lang yung Robinsbank DOS card po ba is Classic ? nakita ko kase sa website na dalawa pala sya isang Classic and Platinum . Thank you

@savage_0217 Год назад

2 type talaga si Rbank DOS. Difference lang ng dalawa sa physical card is yung classic medyo faded yung black or blue print tapos yung platinum darker at my name na platinum sa front ng card.

@reynardpatagan6375 Год назад

sir anong banko poh ang pwede ma applyan ng credit card isa poh aqng OFW.tnx in advance

@user-im8xv6si1o 10 месяцев назад

Ilan days po ba malalaman kung approved o disapproved ka s credit card

@carlojomadiao9512 Год назад

Sir noy, can you use atome credit cards for shopee purchases

@NoyFinanceVlog Год назад

hello sorry for the late response. yes i think wala naman problem jan

@iyahlibao9386 Год назад

Why hindi po ko maka reg sa PNB ZELO? Walang captcha kahit ano ulit ko ayaw any link san pwede?

@fredierickcristobal8770 Год назад

Sir Noy, if ever I used BPI blue mastercard for installment for 12 months pwede po ba ako mag advance payment?

@NoyFinanceVlog Год назад

in full? you need to preterminate the installment pag ganon

@user-vv5sr7jn5b 9 месяцев назад

Ano cc ang mataas mag bigay ng credit limit?

@maryjoydosdos Год назад

Hello sir may card control ba ang CC Atome enable international? e-commerce? Sana ma pansin tanong ko. Thank you

@NoyFinanceVlog Год назад

most probably meron yan hindi ko lang sure kasi wla pa talaga ako nung card hehe

@judithgonzales2297 Год назад

Bakit wla ung security bank classic sa pag ppilian online?

@jeromelimin3088 10 месяцев назад

Saan naman po magbabayad kung maaproved sa atome card?

@kuradang4080 Год назад

Hello po, pwede po kaya gamitin c ATOME as support details po pag nag apply citibank simplicity for for first timer po? or consider napo ba si ATOME na cc talaga like ng secured credit card?Thank you po.

@NoyFinanceVlog Год назад

si atome is a credit card na tlaga. pwede mo din sya ilagay sa ibang application mo

@normanphilip15 Год назад

Hello sir. Ask ko lang po meron po akong BPI blue mastercard and BPI Amore Cashback. Advise po sakin ng BPI is i cancel ko nalang daw po yung amore cashback kasi mas malaki ang annual fee nya and mas okay daw gamitin yung blue mastercard. Ano po ba ang gagawin ko sir Noy. Thanks po

@kimbryanbitara6580 9 месяцев назад

For mas ok Ang Ang amore Kasi Yung naiipong cash back pwedi mo e pang bawas sa bills tsaka nag papa waiver Ng annual Ang BPI kung d Naman ask ka Ng ibang ways like 50% off sa blue Hindi ka masusulit Doon walang cash back 500 lang Naman difference nun maka 13k spend ka grocert may 500 kana

@1djose Год назад

Why security bank is included here. Ang taas ng asking gross annual nila.

@olivergingco1955 Год назад

Sir pa advise naman San ako pwede mag inquire or San ako pupunta para ma claim kopo Yung BPI credit card ko.. di pa Kasi na deliver hangang ngaun po at lagpas na kasi din sir sa binigay na delivery date, thanks sir.

@jebjeb2022 Год назад

May ideposit ba ang bpi credit card kung mg apply?

@alanthonyintong584 Год назад

Bawal Postal ID sa Atome :( wala ako nung ibang IDs nila

@user-nv8oi1bz8m Год назад

HELP, why hindi po ako makapagproceed sa online application ng PNB ZeLo????

@annalyngeronimo6340 Год назад

Sayang nakakailang installment na ako sa homecredit dapat kumuha nalang ako ng credit card noon pa

@KrisSophia Год назад

Hi, can we also use Atome card outside the Philippines or anywhere in the world where Mastercard Credit Card is accepted?

@clairedejesus8175 Год назад

Regarding sa rcbc instacard, ma wi-withdraw ba anytime yung dineposit mo na pera sa account?

@silviabasio3311 11 месяцев назад

No po.

@marvinmartin278 Год назад

Ang tagal ng processing nong RCBC Flex Visa na ina-apply-an ko. Last September 23 pa ako nag-apply, up until now wala pa ring update. Nag-email na ako ng ilang beses pero ang sabi still subject for evaluation. Nag-open na rin ako ng SA ko sa kanila last October. 😑

@NoyFinanceVlog Год назад

baka may problem kaya ganon. baka may problem sa system nila sa pag input ng data mo or something.

@rpeonruzzel1294 Год назад

Hi po new subscriber po ako, ask ko lang po kukuha ksi ako gadget cellphone po, nakita ko kasi sa store na pagkunan ko ng cellphone na zero interest for 6 months, kung amount ng cellphone ay 40k, iddivide lang po ba ito ni bank ng 6 months? Or may additiinal na payment Thank you sa sagot

@NoyFinanceVlog Год назад

yes if 0% po then 40k divide lng sa 6months.

@AnnPinedaVlogs Год назад

isnt security bank automatic installment? is it also no annual fee? thansk

@NoyFinanceVlog Год назад

i think that's security bank next mastercard.

@christianbitago6541 Год назад

Sir Noy, I'm a beginner po sa pagkuha ng Mastercard. Alin po sa mga cards na to e yung pwede ako mag Installment for 12months? Need ko lang po ng Cash to fund something. Thank you

@NoyFinanceVlog Год назад

for installment ng 12mos, naka depend talaga yan 1. sa credit limit mo, kung yung bibilhin mo is pasok sa avaialble credit limit mo. 2. if yung merchant kung san ka bibili is my partnership sa bank mo ng 12months intallment. hindi talaga sya sa card naka base lang.

@samkayadtog17 10 месяцев назад

Ano po gamit niyo na credit card?

@breniepogi585 9 месяцев назад

Good evening boss noy, naka pre approve po kasi ako sa Secured credit card ng BPI, mababawi ko po ba yung initial payment na nilagay ko? I mean yung 15k na nilagay ko ng una

@NoyFinanceVlog 6 месяцев назад

hello, for secured credit card naka hold lang yun. mbabawi mo sya pag icoclose mo na ang account mo and wala kang balanse.

@hannaha6482 Год назад

Hello po. I applied for a credit card po sa BPI. Ano po mangyayari po if dumating na yung card and I decided not to use it? Will I still pay annual fees?