Tool
Card FX Comparison
See which PH credit card is cheapest to use abroad. Compare foreign transaction markups across major card issuers and simulate the PHP cost of any foreign purchase.
Card Comparison
FX Markup by Issuer
Sorted cheapest first. Enter an amount on the left to see PHP costs.
0% markupstandard
| Issuer | Card | Network | FX Markup | Notes |
|---|---|---|---|---|
| RCBC Bankard | New card (first 365 days, in-store) | Visa | 0% — Free | 0% forex for the first 365 days on in-store purchases abroad (new cardholders). |
| UnionBank | Reserve World Elite Mastercard | Mastercard | 1.0% | Network assessment only — bank waives its own forex fee. |
| UnionBank | Reserve Visa Infinite | Visa | 1.0% | Network assessment only — bank waives its own forex fee. |
| RCBC Bankard | Visa Infinite (promo) | Visa | 1.5% | Promotional reduced rate — verify ongoing eligibility. |
| Metrobank | Travel Signature Visa | Visa | 1.7% | Permanent lower forex fee — designed for international use. |
| China Bank | Destinations World Mastercard | Mastercard | 1.7% | Permanent lower forex rate — travel-focused card. |
| EastWest Bank | Visa (standard) | Visa | 1.7% | Among the lower forex rates for standard PH Visa cards. |
| Maybank PH | Visa Infinite | Visa | 1.8% | Lower forex rate on the Visa Infinite tier. |
| BDO | Elite Visa / Mastercard | Visa | 1.9% | Lower forex fee on elite-tier cards (effective Aug 2025). |
| BPI | All BPI-issued cards | Mastercard | 1.9% | 0.85% bank fee + 1% network assessment — uniform across BPI's lineup. |
| BPI | Robinsons Cashback (post-merger) | Mastercard | 1.9% | Robinsons Bank merged into BPI (Jan 2024). Card now follows BPI's 1.85% rate. |
| BDO | Standard Visa / Mastercard | Visa | 2.5% | 1.5% bank forex fee + ~1% network assessment. |
| China Bank | Standard Mastercard / Visa | Mastercard | 2.5% | Standard 2.5% forex conversion fee. |
| EastWest Bank | Mastercard Platinum | Mastercard | 2.5% | Standard MC Platinum forex rate. |
| PNB | Mastercard / Visa | Mastercard | 2.5% | Standard 2.5% foreign currency conversion fee. |
| Security Bank | Standard / World Mastercard | Mastercard | 2.5% | Standard 2.5% conversion fee. No permanent zero-fee variant currently confirmed. |
| Security Bank | Platinum Visa | Visa | 2.5% | Standard 2.5% conversion fee. |
| EastWest Bank | Mastercard Privilege | Mastercard | 3.0% | Higher tier carries a higher forex fee. |
| PSBank | Flexi Mastercard | Mastercard | 3.0% | Metrobank subsidiary; approximate rate — verify with PSBank. |
| Maybank PH | Standard Visa / Mastercard | Visa | 3.3% | Hiked to 3.25% in 2021 — verify current rate. |
| HSBC PH | Red / Gold / Platinum Mastercard | Mastercard | 3.5% | 2.5% bank fee + 1% network assessment. |
| Metrobank | Standard Visa / Mastercard | Visa | 3.5% | One of the higher PH bank forex markups. |
| RCBC Bankard | Standard Visa / Mastercard | Visa | 3.5% | Standard 3.5% foreign currency conversion fee. |
| Standard Chartered PH | Visa / Mastercard | Visa | 3.5% | Approximate rate — verify with current SCB fee schedule. |
| UnionBank | Standard Visa / Mastercard | Visa | 3.5% | Standard UnionBank forex rate (2.525% bank + 1% network). |