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Equicom Gold Credit Card
by Equicom Savings Bank
Visa networkRewards card
Quick take
Main benefit
Simple points. You earn points on every purchase — no categories to track.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
₱41,500/mo The bank does the final check.
Annual fee
₱2,000/yr
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You want simple rewards without tracking categories.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You'd rather earn straight cashback than points or miles.
- You expect to carry a balance from month to month.
- You earn below ₱41,500 a month.
The numbers
Earn rateKey Point per Php 30 spend
Annual fee₱2,000/yr
Interest if unpaid3.00% / month
Late payment fee₱500
Foreign currency markup2.00%
›More fees and details
Cash advance fee₱200
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverStill being checked with the bank
The catch
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on Equicom Savings Bank's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out Equicom Savings Bank's application form.
From Equicom Savings Bank's official page · Checked May 27, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.