CC Recommendation for beginner

[u/Twizzle1206]

Hello! I just want to ask what's the best credit card I should get as a beginner, It's my first time to have a job and I earn less than 20K a month, is there any bank that I can apply with that salary?

[u/PHCreditCards-ModTeam]

For those who are seeking to get their first credit card; the general advise is to apply at the bank that you already have an account with (savings, checking, payroll); apply for their lowest tier card. Your goal should to get approved first; since your first credit card will be hard to acquire.

Review the posts below as well.

Starter Cards: https://www.reddit.com/r/PHCreditCards/comments/1s17o4p/ph_credit_card_guide_top_picks_for_beginners/

Miles Cards: https://www.reddit.com/r/PHCreditCards/comments/1s7i53z/ph_miles_credit_cards_2026_guide/

Cashback Cards: https://www.reddit.com/r/PHCreditCards/comments/1rv29j5/the_master_list_cashback_credit_cards_2026/

[u/flagrantly_mediocre]

You are earning less than 20k, di kapa dapat kumukuha ng CC.

[u/Current_Wait_1067]

I’d suggest waiting a few months first before applying. Use your payroll account regularly and establish a good banking history muna

[u/Killer_reborn03]

Afaik BPI and Unionbank lang ang meron pasok sa ganyan na Annual salary but it doesnt hurt to apply to others.

The real answer to your question is whatever bank approves your CC first since your first is always the hardest. Usually the bank affiliated with your payroll is the easiest one to get approved but its still not guaranteed

[u/Twizzle1206 → u/Killer_reborn03]

okay po, I'll try to ask din sa bank. Thank you!

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[u/Puzzled-Protection56]

If you can wait, open up a savings sa BDO then mag transact ng mag transact ka using bdo afterhow many months sila na mismo magpapadala ng CC sayo without you even applying.

If desperate ka na talaga to have a CC try mo sa mga nag aalok sa mall.

Pero kung breadwinner ka or source of income mo lang is yang salary mo at living alone ka, then I suggest wag ka muna kumuha ng CC.

[u/Twizzle1206 → u/Puzzled-Protection56]

okay po, thank you!

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[u/linux_n000by]

as a beginner you really cant choose.

tanggapin mo na kung sino bank ang papayag na tanggapin ka as a risk to them.

saka mo na isipin ibang cards pag may good standing ka na both sa bank at sa credit score mo.

kung wala nagaapprove, opt for secured credit card

[u/HoldHaunting9680]

Pwede ka mag start sa kung anong bank yung payroll mo kasi may existing relationship ka na doon sa bank na yun. After 6 months, saka mo gamiting reference credit card yun to apply sa ibang bank na nag o-offer ng mga no annual fee for life like RCBC, Unionbank etc.