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Why trust Finmerkado?

Secured by UnionBank Philippines

4.9 stars +6,800 reviews

10,000+ cardholders

Trusted by Filipinos nationwide

Licensed and registerd by SEC

Licensed and registerd by SEC

The Best-Rated Credit Cards

Compare credit cards with higher approval chances and exclusive perks — fast, simple, and with no pressure. Discover Credit Card Options That Work for You.

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Still Deciding? Check Out These FAQs:

Which are the best credit cards available through Finmerkado?
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Finmerkado offers a variety of credit cards to suit different needs:

 How long does the application take?
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The application process is swift, with some approvals happening in as little as 24 hours. Once approved, the card is typically delivered within 7 to 14 business days.

How can I avoid paying interest on my credit card?
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To avoid paying interest:​

  • Pay your balance in full and on time: This prevents interest from accruing.

  • Consider balance transfers: Move high-interest debt to a new card with lower rates.

Convert your balance to installments: Many banks allow you to convert your debt into fixed monthly payments at a lower rate.

Which credit cards have no annual fee?
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Finmerkado features several credit cards with no annual fees:

  • UnionBank U Visa Platinum: Offers zero annual fees for life, along with no overlimit or late fees. 
  • UnionBank Rewards Platinum: Currently offers a no annual fee for life promo (limited time only). The ₱2,500 annual fee is waived if new cardholders are approved and spend at least ₱20,000 within 60 days of approval.
How does your comparison platform work?
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Our platform helps you save time and money by simplifying the process of comparing and applying for financial products. We use smart tools and educational content to guide your decision.

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