| Table of Fees and Charges | ||||||||||||||||||||||
| ASIA UNITED BANK | BANK OF COMMERCE | BANCO DE ORO | BPI | CHINABANK | CITIBANK | EWB | 
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HSBC | LBP | MPI | METRO BANK | PNB ABC |
RCBC BANKARD | ROBINSONS BANK | SECURITY BANK | UNION BANK | ||||||
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2.00% (across all card types) | 2% | 2% MEIR | 2.00% / (1.82%) | 2% (across all card types) | Retail Monthly Effective Interest Rate is 2.00% based on a Php
20,000 availment, on the assumption that the Cardholder pays the Minimum Amount Due one (1) day after the Statement Date. |
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2.0% - Dollar 2.0% - Peso |
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2% | 
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2.00% | 1.88% to 2% for Peso and 2% for Dollar | 2% | 2% | 2.00% | 
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| Late Payment Charges | Php700 or the unpaid minimum amount due, whichever is lower shall be charfed for every billing that the account is past due (P700 for Monthly Payment Option; P350 for Semi-monthly Payment Option; P175 for Weekly Payment Option) | Php700 ( PESO BILLING ); USD12 (DOLLAR BILLING) or the unpaid minimum amount due whichever is lower | 7.00% of the overdue amount | P850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be charged per occurrence per card. | Php750 or the unpaid minimum amount due, whichever is lower | Effective until January 7, 2021: Php 850 or the unpaid Minimum
Amount Due, whichever is lower. Effective starting January 8, 2021: Php 1,500 or the unpaid Minimum Amount Due, whichever is lower. |
8% of the Minimum Payment Due | 4.0% - Dollar 6.0% - Peso |
Php700 or unpaid minimum amount due, whichever is lower | 2.25% based on unpaid Minimum Amount Due (MAD) | P700 or unpaid minimum due, whichever is lower. | PHP850 or UMAD whichever is lower |
7% (Peso) and 5% (Dollar) of the unsettled minimum amount due | Php400 - Php600 | 600-700 | Existing: Php600 or 6% of min. amt due whichever is lower New: 1.50% of Total Amount Due effective January 25, 2021 |
Php750 | |||||
| Over-limit Fee | N/A | n/a | none | N/A | Php500 | P750 or the overlimit amount, whichever is lower Effective until January 7, 2021: Php 750 or the overlimit amount, whichever is lower, and effective starting January 8, 2021: Php 1,500 or the highest overlimit amount during the billing period, whichever is lower |
Highest: Php700 Lowest: Php500 |
N/A | PHP500 if card account is overlimit on cut-off date | n/a | P500 if total outstanding balance exceeds approved credit limit on cut-off date | PHP750 per occurrence | Php 300 or US $10 | Php500 or US$10 | 500 | Php500 per occurrence | Php500 | |||||
| Card Replacement Fee | P500 per card replacement | Php200 - Php300 | P400 / USD 10 | PHP 400 / card | Highest: PHP700 Lowest: PHP500 |
P400 for each lost or stolen Card. | Highest: Php500 Lowest: Php400 |
P400 per card | Php400 | Php300.00 | P400 for each card | PHP400 | Php 400 | Php300 - Php500 | 500 | 400 | Php400 | |||||
| Foreign Exchange Conversion Fee | Transactions made in foreign currencies shall be automatically converted to PhP using Mastercard's selected foreign exchange rate. From the Peso conversion, AUB will add Mastercard's Issuer Cross Border and Currency Conversion Assessment Fees. A 1% service fee shall be charged by AUB and shall be added to the sum of the Peso Conversion & Mastercard Fees | 2.5% (consists of Mastercard's assessment fee and BOC service fee) | 1% Assessment Fee plus 1.5% Service Fee |
1.85% | 2.50% | Up to 3.525% of the converted amount | Highest: 2.5% Lowest: 1.7% |
Transactions made in foreign currencies other than USD will be converted to USD based on the brand/ association's foreign exchange rate. It may differ from the rates in effect on the transaction date, increased by processing/service fee of 2%. Same fees shall also apply to transactions which the Carholder has opted at point-of-sale to be billed in the Philippine Peso or online transactions executed at merchant local currency but processed outside the Philippines. | 2.5% of the converted sum plus reimbursement of the assessment
fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum |
Based on prevailing Mastercard Foreign Currency Conversion Rate
plus 2% Assessment and Service Fee |
Platinum: 0.75% of the converted amount using the foreign
exchange rate of Mastercard/Visa, plus the 1% assessment fee of
Visa/Mastercard Gold:1% of the converted amount using the foreign exchange rate of Mastercard/Visa, plus the 1% assessment fee of Visa/Mastercard Classic/Standard: 1.50% of the converted amount using the foreign exchange rate of Mastercard/Visa, plus the 1% assessment fee of Visa/Mastercard |
Foreign exchange will be based on MBTC's FOREX selling rate at the time the transaction is posted. Fee includes 2.5% processing fee plus 1% assessment fee charged by Mastercard/Visa. | 2.5% of the converted amount using Mastercard/ Visa/UnionPay’s conversion rate of the day | 2.25% 3.50% | 2% - 3% | 1% Mastercard Assessment Fee and 1.5% service fee |
2% to 3% | |||||
| Annual Membership Fee | Waived for life | Php1,200- Php5,000 | P1,000 – P5,000 (USD65 – USD1,500) |
PHP 1,300 to PHP 5,500 | Highest: PHP25,000 Lowest: PHP1,500 |
AMF ranges from: P1,500 to P12,000 for principal cards P750 to P6,000 for Supplementary cards |
Highest: Php5,000 Lowest: Php1,200 |
P1,000 - Classic Credit Card P2,000- Gold Credit Card |
PHP1,200 - PHP5,000 | Waived for the First Year
For Gold Card Principal-2,500.00/Supplementary-1,000.00 For Classic Card Principal-1,000.00/Supplementary-250.00 |
Classic/Standard: Primary 1,500; Supplementary P750 Gold: Primary 2,500; Supplementary P1,250 Platinum: Primary 3,500; Supplementary P1,750 |
Depends on Card Type Highest PHP6,000 - Lowest PHP800 to perpetually waived |
Highest: PHP6,000 Lowest: none |
Php1,500 - Php5,000 | P2500/ P100/month | Php2,000 to Php5,000 (range) | Principal: Php1,500 to Php5,000 Supplementary: Php750 to Php2,500 |
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| Joining Fee | n/a | n/a | none | N/A | N/A | Not Applicable | NA | N/A | n/a | n/a | N/A | none | WAIVED | n/a | None | N/A | ||||||
| Cash Advance Fee | n/a | Php200 per transaction (Peso Billing) or USD4 per transaction (Dollar Billing) plus prevailing finance charge | P200/USD4 | PHP200 | N/A | Php 200 per Citi Cash Advance transaction | Php200 per cash advance availment | P200.00 per transaction regardless of amount |
PHP200 for every transaction | 5% of amount withdrawn but not exceed P200 | P200 per transaction | PHP200 per transaction regardless of the cash advance amount | PHP 200 for Peso US $4 for Dollar |
Php200 | n/a | P200 | P200 Flat Service Fee will be charged per cash advance transaction | |||||
| Balance Transfer Fee | 1.00% monthly add-on interest for 6 and 12 months | n/a | none | Service Fee PHP 100 Depending on Variant and Term 0.75% - 1.00% Add-on Interest Rate |
N/A | Php 900 for each approved Citi Balance Transfer transaction | NA | N/A | N/A | n/a | n/a | P250 per approved Balance Transfer transaction | 
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Php100 | As low as P45 and varies depending on the requested amount and installment term. | Service Fee: None Add-on Rate: 1.00% AOR *Special rates may be offered to select cardholders |
N/A | |||||
| Charge Slip Retrieval Fee | Retrieval Fee ₱250 for each local sales slip and P500 for each international sales slip retrieved upon request, for whatever reason. The same amount will be charged to the cardholder for each sales slip retrieved by the bank arising from an invalid dispute. | Php200 for local and Php300 for international purchases | P300 for each local transaction sales slip retrieved or P500 for international transaction | PHP 300 / charge slip | PHP500 (for local) or USD20 (for international) per charge slip | P250 per Charge slip | Php200 for the retrieval of each retail/installment and
mail-order/telephone-order charge slip; Php1,250 for the retrieval of each travel and entertainment charge slip |
P350 per sales slip (local and international) P1,200 per slip for travel and entertainment merchant |
PHP275 | Php350.00 | P250 per sales slip retrieved upon request of the cardholder for whatever reason. The same amount will be charged to the cardholder for each sales slip retrieved by the bank arising from an invalid dispute | N/A | Php 400 or US $15 (per Sales Slip) | Php150 | 500 | Php400 per sales slip | Php200 per transaction slip | |||||
| Return Check Fee | P700 per check | Php1,000 | P1,250 / USD35 for each returned check/insufficient ADA account | P100 for every returned check and additional 6% of the check amount | PHP1,000 | P1,500 per returned check | Php1,500 | P1,000 - regular check P500 plus applicable PCHC Fees - Super Check |
PHP1,000 | Php500.00 | P1,000 for each returned check on top of the standard bank charges on the returned checks. | PHP1,500 | Php 1,000 for Peso account or US $10 for Dollar account | Php1,000 | 1000 | Existing: - Php500 to Php1000(range) for Peso per returned check. - USD10 to USD20(range)for Dollar per returned check. New (effective February 1, 2021): - P1,250 for Peso per returned check - USD25 for Dollar per returned check |
Php1,500/returned check | |||||
| Billing Statement Reprint | N/A | n/a | P30 / USD1 per SOA request | PHP 200 / Copy of Statement of Account | PHP100 per SOA | Not Applicable | NA | P100 per statement of account | N/A | Php100.00 | P50 per request | PHP100 per request for reprinting and delivery of monthly statement. Not applicable to Dollar MC, World MC, Peso Platinum MC, Femme Signature Visa, and Travel Platinum Visa | Php 50 per statement | WAIVED | 500 | Existing: Php30 to Php50(range) per page if requested billing statement is more than 3 months old. New (effective February 1, 2021): Php50 per page if requested billings statement is more than 3 months old. |
Php300/statement | |||||
| Cash
Advance Over-the-Counter Fee |
Php100 | NA | NA | P100 plus actual bank charges for deposit of EzyCash manager's check to cardholders depository bank, if any. | none | n/a | n/a | P200 | N/A | |||||||||||||
| Gambling and Gaming Fee | 3% of the transaction amount | NA | 5% service fee shall be charged on gaming/gambling transactions and/or transactions made at gaming/gambling establishments | 5% of the amount transacted | none | 5% of every transaction or Php 1,000 whichever is higher | 5% | Under Quasi-cash Fee -
2.50% of transacted amount (effective January 25, 2021) |
5% service fee | |||||||||||||
| Multiple Payment Fee | n/a | PHP50 | Php50 | n/a | N/A | Php 40 per payment in excess of 3 for all approved payment channels (PNB and non-PNB). | Php 40 for every excess of 3 payments in a statement cycle | P40 | PHP 50 or USD 1 will be charged for every payment in excess of 2 payments within a billing cycle | N/A | ||||||||||||
| Installment Pre-Termination Processing Fee | Php1,000 | 5% of the remaining unpaid
installment balance or PHP500, whichever is higher |
5% of the remaining principal balance or Php500, whichever is higher | 5% of remaining balance or P300 whichever is higher | 5% of the remaining principal balance or P500 whichever is higher. | 5% of the remaining principal balance or P550 whichever is higher | 5% based on the remaining unpaid installment or Php 500, whichever is higher | 5% of unpaid principal or Php 500 whichever is higher | 5% of the remaining principal | Existing: 5% of Unbilled Balance New (effective February 1, 2021): 5% of Unbilled portion of the principal amount |
5% of the remaining principal balance or P500 whichever is higher | |||||||||||
| Closed Card Account Service Fee | Php200 | PHP200 | Php200 | In case of cancellation of
account and an overpayment is unclaimed for more than 1 month from the date
of cancellation, a monthly fee of P200 will be charged on the account until balance is zeroed out. |
PHP200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. | Php 200 for Peso acount & US $5 for Dollar account or the equivalent to the credit balance, whichever is lower | n/a | P50 | None | N/A | ||||||||||||
| Products with Lower Interest Rates (than your headline APRs) | ||||||||||||||||||||||
| Card Product/s | AUB Easy; AUB Classic; AUB Gold; & AUB Platinum | Your everyday spend is now more affordable with the new BPI Family Savings Credit Card. The no frills credit card that will help you and your family stretch your cash flow. With its low interest rate and membership fee, maintaining a credit card is now light on the pocket. | Citi Simplicity+ | EastWest Priority Visa Infinite | Equicom Savings Bank Gold and Classic Credit Card | - HSBC Premier Mastercard Credit Card - HSBC Advance Visa Credit Card |
n/a | Maybank Classic/Standard, Maybank Gold,Maybank Platinum Credit Card and Maybank Visa Infinite Credit Card | "Vantage Card, Titanium MC, Rewards Plus Visa, World MC,
Peso Platinum Visa, Femme Signature Visa, Travel Platinum Visa, Toyota
MC, Femme Visa, ON Internet MC, PSBank Credit MC, M Free MC, M Lite MC" |
PNB Ze-Lo Mastercard | Regular Cards - MC Classic & Gold, JCB Classic & Gold,
Visa Flex & Visa Flex Gold, & Co-Brand Cards Premium Cards - MC Platinum, MC World, MC Diamond, Visa Infinite, Visa Platinum, JCB Platinum, UnionPay Diamond |
n/a | Classic, Gold, Platinum, World, Cashback and Corporate |
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| Brief Description of Card Product/s | Waived ANNUAL Fees for Life!; Choose when to pay & how much to pay; | Special Installment Plan (S.I.P.) Loan : Balance Transfer Consolidate all your other credit card balances and pay in fixed monthly installments Special Installment Plan (S.I.P.) Loan : Balance Conversion Convert new staright regular and online purchases into a fixed monthly installment plan. Special Installment Plan (S.I.P.) Loan : Credit-to-Cash Convert your available credit limit to cash and pay in fixed monthly installments Special Installment Plan (S.I.P.) Loan : SIP for School Installment plan for tuition fees, school supplies, uniform to all other school needs Special Installment Plan (S.I.P.) Loan : SIP for Hospital Installment plan for all hospital expenses Real 0% Installment Shop at your favorite stores and enjoy installment payment plans at 0% rates. |
Citi Simplicity+ APR is 24% but has no annual fee, no late payment fee and no overlimit fee. In addition, customers who pay on time will get a 10% interest rebate | Travel and Lifestyle Privileges; Low interest charge; Exclusive to EastWest Priority clients; |
Visa-branded credit card products offered to bank depositors.
Annual membership fee waiver for two (2) years. Offers unlimited supplementary cardholders. |
These are offered exclusive to bank depositors | n/a | Regular Cards- Maybank Classic/Standard, Maybank Gold Premium/Lifestyle Cards- Maybank Platinum Credit Card and Maybank Visa Infinite Credit Card |
Regular Cards - Vantage Card, Titanium MC, Rewards Plus Visa,
Toyota MC, Femme Visa, ON Internet
MC, PSBank Credit MC, M Free MC, M Lite MC Premium Cards - World MC, Peso Platinum Visa, Femme Signature Visa, Travel Platinum Visa |
Zero Annual Fee, Low Interest Credit Card | n/a | Core Cards - Classic and Gold Premium Cards - Platinum and World Corp Card - Corporate |
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| Portfolio Action Product/s | (1) AUB Post Pay
Installment Plans - convert straight charge purchases to installment payment terms; (2) AUB Balance Transfer Installment - transfer other card balances to the AUB card & convert to installment payment terms; (3) Cash Out Installment Plans - avail cash from the AUB credit card and convert to installment payment terms |
Special Installment Plan (S.I.P.) Loan : Balance Transfer - 0.99%-1.50% Add-on Rate Special Installment Plan (S.I.P.) Loan : Balance Conversion - 0.99% - 1.75% Add-on Rate Special Installment Plan (S.I.P.) Loan : Credit-to-Cash - 0.99% - 1.50% Add-on Rate Special Installment Plan (S.I.P.) Loan : SIP for School - 0.75% - 1.50% Add-on Rate Special Installment Plan (S.I.P.) Loan : SIP for Hospital - 0.75% - 1.00% Add-on Rate Real 0% Installment - 0% |
Below are Portfolio Action product which offer lower interest
rates: a) Citi Balance Transfer b) Citi Speed Cash (Avail of cash on installment against credit card limit) c) Citi FlexiBill (Convert a portion of their Citi credit card’s Total Amount Due into installment) d) Citi Paylite After Purchase (Convert unbilled retail transactions into installment) e) Citi Paylite for Bank Transactions - (Convert any qualified and completed bank transaction (e.g. ATM cash withdrawal into installment) |
Installment loans | Equicom Super Check, Equicom Balance Transfer, Equicom Cash Deals, and Equicom Payment Deals | Balance Transfer, Cash Installment Plan, Regular Straight to Installment, Card Balance Conversion | n/a | EzyConvert, EzyCash | Cash2Go, Balance Transfer, Balance Conversion |
n/a | Unli 0% Intallment, Unli Intallment, Balance Transfer, Cash Loan | n/a | ||||||||||
| Interest Rate/s | Installment Plans for 6&12 months at 1.00% monthly add-on rate | Zero Percent Installment for Disputed
Transactions Special Balance Conversion Extended Payment Arrangement - Collection Fees and Discounts may apply. - Terms and Rates dependent on repayment amount and term. |
0.49% - 1% AOR | 0% - 2% AOR | 1.0% monthly add-on for in-house installment programs | up to 1% add-on interest rate per month (May vary depending on cardholder performance) |
n/a | 
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Cash2Go, Balance Transfer and Balance Conversion |
1.88% | 2% | n/a | *1.00% AOR on all tenors *Special rates may be offered to select cardholders |
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| Rewrite Programs | Zero Percent Installment for Disputed
Transactions - 0% Special Balance Conversion - 1.5 - 2.5% Extended Payment Arrangement - 1-3% |
Below are Collections programs which offer lower interest
rates: a) Rewrite Program b) IDRP Program |
Rewrite program | Restructuring | Restructuring | n/a | Restructuring | N/A | n/a | Restructured Payment Scheme | ||||||||||||
| Interest Rate/s | Product prices range from 0% to 18% APR | 0.5% - 1% AOR | BSP Circular No. 1098 compliance | Varies depending on internal policy | n/a | 0.99% to 2.5% per month | 1% AOR | n/a | 1.00% AOR | |||||||||||||
| *Table was shared to BSP by the Credit Card Association of the Philippines (CCAP) in December 2020 and was confirmed on February 12, 2021 as reflective of the current credit card fees and charges billed by credit card issuers. | ||||||||||||||||||||||
| *If card products have different fees/charges, credit card issuers indicated only the range, i.e. highest and lowest | ||||||||||||||||||||||