Chosen by Asker

All VISA, Mastercard, AMEX cards are acceptable world wide. Only the local cards which do not have the VISA or Mastercard logo are likely to be accepted only in the country where they are issued. I have both VISA and Mastercard and so far I do not see a difference in both their services. For low interest rate, most local cards have lower interest rates but since you are interested in interntionally accepted cards, I would say that BPI has the lowest rate for finance charges and I am saying this even if you will see another card with a lower rate because of the manner they compute for the interest charges. Other banks would include your recent unbilled purchases in computing for the finance charges and most people do not understand this. They wonder why their previous balance was only P10,000 and yet they are being charged an interest of over P2k. They don't realize that their recent purchases amounting to P50k also incurs a charge even when they were just being billed. So my first advise is to pay the full amount as much as possible. Not paying in full is the main reason why most newbies end up going beyond their credit limits and end up not being able to zero out their balances. BPI on the other hand only computes finance charges for the last balance and they also compute interest from the the due date of your last bill unlike the other companies who start computing from the post date of the transactions. And as you know, the difference in the post date and due date can be as long as 2 months! The only drawback with BPI is that they are conservative in giving out credit limits especialy for newbies who do not have an established credit history. But most people prefer this as this helps them control their purchases. A lot of people forget that the figure they see under credit limit is not their money. However, since they own the credit card, it gives them a false sense of liquidity. In terms of rewards, it depends on your preferences. If you like earning miles then go for cards that offers mileage reward points like HSBC Mabuhay Miles for PAL and BPI Worldperks for Northwest. Other cards like Citibank allows you to also convert points to mileage points for various airline companies in their list. The no. of points per mileage varies though so you might want to study that as well to get the best value for your purchases. The rewards catalogues of various companies are available online so you may want to browse and see if yu prefer their selections. Aside from rewards check the perks of the card as well as some cards offers discounts at various hotels, restos and service centers. So pick the one that caters most to your needs.

by megan1410

2 years ago

Asker's Rating: 

Try HSBC

by geear (- 2 years ago

American Express also offers a number of co-brand and lifestyle Cards, including but not limited to the Delta SkyMiles Credit Card; the Hilton HHonors Platinum Credit Card from American Express; the Starwood Preferred Guest Card from American Express. The co- brand and lifestyle Cards offer some of the core benefits listed above, as well as a variety of special benefits specific to each card. Cardmembers of American Express can rely on having access to a broad array of rewards and unique experiences as well as world-class customer service. Each product offers a different level of travel, entertainment and lifestyle benefits.Apply online at: www ...

by kassy kemp- 2 years ago