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Credit Card Application Requirements – Credit Card Online Application

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Credit cards are best used during emergencies and in paying bills. If you are looking for the credit card application requirements in different banks, here is a list of basic info that you need to know. Of course, some of the top financial institutions are offering great credit card benefits to those who are qualified.


However, there is a bigger responsibility involved that you should also know. Before we give you some details on the documents needed to open a credit card account.

What is the lowest credit card interest rate available?

Primarily, most banks offer a 3.50% interest rate per month. However, there are other banks that offer much lower depending on your rating.

What is the highest credit limit that I can get from a credit card?

This is also dependent on your status. Some credit card offer credit limits of up to P200,000 for holders with good record. However, the starting credit limit is usually P10,000.

Should I get a MasterCard vs Visa credit card?

Actually it does not matter because both are supported by almost all merchants around the world. Of course, this means you can use your local credit card around the world or even purchase items online.

Can I use the credit card to pay bills like PLDT, Meralco, Maynilad, Smart, Globe and School tuition? Of course you can as long as the amount is within your credit limit.

What are late fees and annual fees?

Late fees are applied for bills that are paid after the due date. Annual fees of credit cards are service fees for using the system.

Should I apply for a supplementary credit card for my wife, children and relatives? It is up to you to decide as you will be sharing the credit limit with them.

Some credit card companies have rewards points system and rebates. They are really good for purchases, perks, discounts and even free miles on air travel.

BDO Credit Card Application Requirements:

Must be 21 – 70 years old for principal and 13 years old and up for supplementary accounts

Citibank Credit Card Application Requirements

Basically, the same requirements are imposed by Citibank but you should also have no record of delinquency with other credit card companies. Moreover, GSIS and SSS and TIN numbers and IDs may be required.

HSBC Credit Card Application Requirements

The basic requirements in applying for an HSBC credit cards are listed below:

Metrobank Credit Card Application Requirement

For Metrobank, the only available data online is that one should have a minimum yearly income of Minimum gross annual income of:

Of course, you will be submitting other documents like proof of income, residency and other necessary proof of capacity to pay.

East West Bank Credit Card Application Requirements

Still, the bank imposes almost the same requirements for credit card applicants. Here are the basic things to remember:

BPI Credit Card Application Requirement

Unionbank Credit Card Application Requirements

Some of the benefits in having a credit card is balance transfer among different cards, online payment of bills, installment plans for purchases with zero interest (0% interest), rewards programs and perks.

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