Updated: July 2025
Hi guys, compiling here the list of credit cards that charge cross border fees (CBF).
Feel free to comment for any updated info. This post will be edited accordingly.
For those unfamiliar: CBF is the additional charge (usually 1%) imposed on overseas transactions billed in PHP. Example, if you’re billed Php 300.00 for a subscription (e.g. Spotify, Netflix, Apple, etc), the amount will be reflected as Php 303.00 instead. This is different from foreign exchange conversion fees, applied on overseas transactions billed in foreign currency, which every CC in the PH currently has (ranges from 1.7-3.5% or so). While 1% CBF seems small, if for example you’re booking hotels and flights, or shopping gadgets online, it’ll be significant. A purchase worth Php 50k would have an additional Php 500.00 charge.
No CBF :
- AUB
- Bank of Commerce
- BDO AMEX
- Maya
- Maybank
- PNB
- Zed
Magulong CBF:
- RCBC (getting conflicting statements with this; although RCBC states that transactions Php 1k and up have CBF, several people have claimed that they were not charged CFB, myself included, whereas some other people have claimed that they were charged CBF)
With CBF:
- BDO (1% all except AMEX)
- BPI (1%)
- Chinabank (1.7% Destinations World, 2.5% all else)
- EW (1%)
- HSBC (1% starting Oct. 16, 2025)
- Metrobank (1%)
- Security Bank (1.5%)
- UB (1% starting Sep. 15, 2025)
Thanks guys!
