Best No Annual Fee for Life (NAFFL) Credit Cards in the Philippines (Oct 2026)

A no annual fee for life (NAFFL) credit card has the yearly membership fee set at ₱0 in its product terms, with no promo period and no spending target to hit. That is different from a free first year or a fee waiver you have to earn. On Maya Black, the fee stays at ₱0 only if you use the card at least once a month.

It depends on how you spend. Our top pick is the MariBank Mari Credit Card for 1% unlimited cashback, Maya Black is the strongest alternative for first-timers and miles earners, and Metrobank M Free suits you if you already hold another credit card. PNB Ze-Lo and UnionBank U are simple, low-income-floor options with no points.

For the cards on this page, the waiver is part of the product, so you are not billed an annual fee unless the bank changes its terms. Maya Black needs one use a month. Interest, late fees, cash advance fees and foreign currency fees can still apply, so pay your full statement balance each month.

PNB Ze-Lo and MariBank have the lowest income requirement at ₱10,000 a month, followed by UnionBank U and Maya Black at ₱15,000 a month. Approval is decided case by case in the apps, and Maya may offer a deposit-backed version. Approval is never guaranteed, and the easiest card is not always the right one for you.

Yes. PNB Ze-Lo and MariBank ask for ₱10,000 a month (₱120,000 a year) and UnionBank U and Maya Black ask for ₱15,000 a month. Chinabank Freedom asks for about ₱21,000 a month but also requires an existing principal card of 12 months or more. Banks also look at your employment, documents and credit history, not income alone.

The MariBank Mari Credit Card offers 1% unlimited cashback. Maya Black earns Maya Miles instead, UnionBank U gives a 10% interest rebate instead of points, and PNB Ze-Lo and Metrobank M Free earn no rewards.

A waiver usually depends on a condition, such as reaching a yearly spend or calling the bank to ask, and the fee can come back if you miss it. A no annual fee for life card has no such condition built into its terms, so there is nothing to track or request.

Yes. Interest on unpaid balances can reach 3% a month, cash advances typically carry a fee, and foreign currency or overseas online purchases can add charges. PNB Ze-Lo and UnionBank U charge no late fee, while MariBank charges ₱850 or the unpaid minimum, whichever is lower.

On PNB Ze-Lo, UnionBank U, AUB Easy, Chinabank Freedom and EastWest Platinum, supplementary cards are also free for life. Confirm with the bank for the other cards before you add one.

Closing an older card can shorten your credit history. If a card costs you nothing, keeping it open and using it occasionally is usually better than cancelling it.

Most banks ask for a valid government ID, your TIN or SSS number, and proof of income such as a recent payslip, Certificate of Employment, BIR Form 2316 or your latest ITR. Income minimums range from ₱10,000 a month on PNB Ze-Lo and MariBank to ₱150,000 a month on EastWest Platinum. MariBank and Maya Black are applied for in their apps, and Metrobank M Free and Chinabank Freedom also need an existing principal card.

Yes. With no yearly fee, the main cost risk is gone while you learn to pay on time and in full. PNB Ze-Lo, UnionBank U, MariBank and Maya Black can all be a first card. Build a track record of on-time payments for a year before adding a rewards or cashback card.