BPI EXPRESS CREDIT CARD CLASSIC

If you're planning to have a credit card, try to apply for this one. It has a low monthly interest rate of 2.75% and new purchases are not charged interest. Plus, late payment fee is also minimal compared to other cards that charges P600 or more. Annual membership fee is P1,250. The first supplementary card is free membership for life while P625 will be billed annually for the 2nd to 6th extensions you have.

To avoid inconvenience, be sure to ask the cashier if they accept this card because some stores do not.