Best Credit Card Philippines No Annual Fee: I used to avoid having credit cards because I didn’t want to spend money that I don’t have. But with today’s age of online shopping, seat sales, and video subscriptions, having a credit card has become essential. There’s one thing that I still hated about credit cards though – annual fees. Credit card annual fees may feel like an added burden but it’s essentially our payment to the bank for being able to use their credit services – well that and the fact that they charge us interest for late payments. Think of it as a membership fee that you have to pay yearly in order to experience the convenience of being a credit cardholder. || Related: Top Insurance Companies in the Philippines 2018 However, believe it or not there are some banks that offer credit cards in the Philippines with no annual fees – for life! For certain credit card plans and packages, these banks may waive the credit card annual fees, not just on the first year, but even on the succeeding years. In this post, we will list down some of the banks that offer credit cards in the Philippines with no annual fees in perpetuity! Please note though to check the sources indicated in each item in this list, to see the full details of the credit card service. Credits Cards with no Annual Fees (Best Credit Card Philippines No Annual Fee) Citi Simplicity+ Card Enjoy no annual fee every single year. No late fees and no overlimit fees. Pay at least the minimum due on or before the due date and get 10% back on interest charges. (source) BPI eCredit: The Internet Shopping Card Annual Fee: Free for Life Annual Fee for 1st Supplementary: Free for Life Annual Fee for 2nd to 6th Supplementary: Free for Life (source) Metrobank M Free Mastercard Annual Fee (Principal): Perpetually waived Annual Fee (Supplementary): Perpetually waived (source) PSBank Credit Mastercard Annual Fee (Principal): Perpetually waived Annual Fee (Supplementary): Perpetually waived (source) EastWest Platinum MasterCard Annual Fee (Principal): Perpetually waived Annual Fee (Supplementary): Perpetually waived (source) The AUB Classic MasterCard Annual Membership Fee: Waived for Life No interest on new purchases Enroll as many supplementary cards without having to pay Annual Fees (source) AUB Easy MasterCard Annual Membership Fee: Waived for Life No interest on new purchases (source) Best Credit Card Philippines No Annual Fee Be sure to read through the sources indicated in the list to check if the details and other terms of using these credit cards. If you’re applying for the first time, we suggest that you make contact the banks to check the best credit card for first time applicants in the Philippines. Did we miss anything? Let us know in the comments below!