Krisette

Articles by Krisette Lim

Maria Krisette Capati-Lim is a contributing writer at MoneySmart for over four years. With an extensive background in the intersections of digital marketing, technology, lifestyle and personal finance, she believes that learning is a lifetime pursuit to become better ever day. When she's not writing, she's either checking her income and expenses on a spreadsheet or tinkering with her personal websites.

best credit cards for travelers in the philippines
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The Best Travel Credit Cards of 2019 and the 3 Types of Filipino Travelers Who Will Benefit From Them
If you have a family vacation coming up or planning a getaway in the coming year, this article can be handy in finding out which type of Filipino traveller you are and which travel credit cards are best for you. #1 The “What’s In It For Me?” Traveler This type of Filipino traveler does not…
6 October 2019
China Bank Prime Mastercard Review
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China Bank Prime Mastercard Review (2019) – Rewards Card for Day-to-Day Spending
Looking for an entry-level credit card that offers rewards? Take a look at China Bank Prime Mastercard key features and start building a good credit history. China Bank isn’t as aggressive compared to other banks when it comes to sign-up bonuses for new cardholders. But when you check their promotions, you will find that they…
23 September 2019
RCBC Bankard AirAsia credit card review
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RCBC Bankard AirAsia Credit Card Review (2019) – Traveller’s Must-Have
Daydreaming about your next getaway? If you get approved for the RCBC Bankard AirAsia credit card, you can use the bonus 8,000 BIG Points to book your next destination. This credit card can be your ticket to free flights. It serves as both rewards and air miles card. You earn 1 BIG Point for as…
27 August 2019
The Best Online Shopping Coupons & Promo Codes in the Philippines (2019)
Shopping
The Best Online Shopping Coupons & Promo Codes in the Philippines (2019)
If you want to save money, you’d listen to what your parents are telling you: just stay at home. We don’t know if this is still good advice, though. After all, even if you’re just at home, you can still browse on Shopee, ShopBack, Zalora, and Lazada on your gadget. That item which caught your…
27 August 2019
What to look for when choosing a rewards card
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What to Look Out For When Choosing a Rewards Card
Free e-gift certificates, merchandise items, and annual fee waivers as rewards? Why not? Redeem different merchandise items, cash vouchers, air miles, and so much more. Here are some of the best rewards credit cards in the Philippines that you can choose from. Credit Card Minimum Annual Income Requirement  Spending Category Security Bank Classic Rewards Mastercard…
27 August 2019
HSBC-Gold-Visa-Cashback-Review
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HSBC Gold Visa Cashback Review – When Food is Life (2019)
HSBC Gold Visa Cashback is a great card for foodies. Your endless lists of “what to eat” and “where to eat” are a perfect match for this cashback credit card that offers 5% cashback on dining transactions. The 5% cashback rate is quite enticing. Not to mention the 0.50% cashback on other spending categories. You…
23 August 2019
Security-Bank-Classic-Rewards-Review
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Security Bank Classic Rewards Review – Ideal for New Cardholders (2019)
Security Bank Classic Rewards is best for first-time credit cardholders. If you’re planning on building a good credit history and earn rewards while spending, the features of this card are worth checking. The Classic Rewards is an entry-level credit card for shopping, dining, and travelling. If you’re eligible and you submit complete documents, it promises…
23 August 2019
Best Credit Card for Shell Fuel Rebates in the Philippines (2019)
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Best Credit Card for Shell Fuel Rebates in the Philippines (2019)
Shell is one of the largest oil companies in the Philippines. Whether you’re off to Baguio or to Batangas, there’s never a shortage of Shell petrol stations on the major roads you will be passing through. If you’re a loyal Shell customer and want to apply for a credit card that will earn rebates and…
23 August 2019
The Highest Cashback Rates You Can Get Using Philippine Credit Cards
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The Highest Cashback Rates You Can Get Using Philippine Credit Cards
When it comes to credit cards, MoneySmart folks have a sweet spot for cashback credit cards. Nothing beats high cashback rates and automatic rebates credited to your account. But which one is the best? After all, banks aren’t charities, so they also have their own T&Cs (terms and conditions). They have restrictions on how much…
8 August 2019
best security bank credit cards in the philippines
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Best Security Bank Credit Cards in the Philippines Review (2019)
Owning a credit card is both a privilege and responsibility. Before you start fantasising about the rewards or the air miles you’ll earn, make sure that you’re looking at a card which offers the perks and discounts that match your interests, lifestyle, and income. It can be tempting to just go for the first credit…
7 August 2019
Best Credit Cards for Petron Fuel Rebates in the Philippines (2019)
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Best Credit Cards for Petron Fuel Rebates in the Philippines (2019)
Petron is one of the biggest oil companies in the Philippines. As a motorist, it’s best to get a credit card that will maximise its benefits or rewards with every Petron purchase that you make. Thankfully, there are quite a few credit cards that offer fuel rebates whenever you gas up. However, we have yet…
4 August 2019
best metrobank credit cards in the philippines
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Best Metrobank/PSBank Credit Cards in the Philippines – Credit Card Reviews 2019
It can be daunting to choose the right credit card, especially if it’s your first time to get one. With a lot of credit card offers online and in malls, you need to take a step back and give it a lot of thought before you fill out the application form. Here’s a rundown of…
26 July 2019
best AUB credit cards in the philippines
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Best AUB Credit Cards in the Philippines Review (2019)
AUB isn’t that loud and aggressive when it comes to promotions and credit card offers. But did you know that AUB is one of the local banks that offer low monthly interest rates on their credit cards? The Gold and Platinum credit cards offer a 2.25% monthly interest rate. It’s lower than PNB Alumni Association…
26 July 2019
best citibank credit cards in the philippines
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Best Citibank Credit Cards in the Philippines – Credit Cards Review (2019)
Citibank offers generous welcome gifts to entice new credit cardholders. But can exciting promos match your expectations when it comes to key benefits and privileges? Let’s find out. Citibank doesn’t offer a lot of credit card options to Filipinos. You get to choose from seven cards based on your spending habits, annual income, and lifestyle.…
25 July 2019
Citi Rewards vs Security Bank Rewards Mastercard – Which Reward Catalogue is Better?
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Citi Rewards vs Security Bank Rewards Mastercard – Which Reward Catalogue is Better?
When it comes to picking the right rewards credit card, the rewards catalogue is definitely something that you should take a look at before making the commitment. What’s the point of receiving 5x rewards points, for example, if you can’t redeem them at your favourite shops and restaurants? It’s enticing to see those high multiplier…
15 July 2019
best credit card promotions july 2019 philippines
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Best Credit Card Promotions (July 2019) – Free Luggage, Flights, Gift Certificates & More
Nearly half a year has gone by, and now it’s time to think about the many ways you can reward yourself for all your hard work! If you’re thinking of getting a new credit card to buy the best mid-year treat for yourself, check out the best credit card promotions in this article. You can…
15 July 2019
best prepaid debit cards in the philippines
Smart Money
The Best Prepaid Debit Cards in the Philippines (2019)
Can’t resist topping up game credits for Mobile Legends? Catching up the sale on Lazada or Shoppee and you want to make sure you pay what’s in your cart before the sale ends? You probably won’t go out at midnight to a nearby 7-Eleven store to pay for game credits or shopping items. Why not…
1 July 2019
best shopping credit cards in the philippines
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7 Best Shopping Credit Cards in the Philippines (2019)
Do you look forward to SM’s 3-day sale? Do you stop by and “window shop” at Uniqlo but at the end up walking away with your hands full of items? Do your pupils dilate whenever you see the red tags at Forever 21, H&M or Mango? If the answer is “Yes!” then you’re a certified…
26 June 2019
cashback vs air miles vs rewards credit cards in the philippines
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Cashback vs Air Miles vs Rewards – Which is the Best Credit Card Type to Use in The Philippines?
Choosing the best credit card can be overwhelming. It depends on your lifestyle and spending habits. You’re the only one who can decide which is the best. These days banks are doing the best they can to entice Filipinos to apply for a new card with freebies, promos, and welcome e-gifts. You have probably seen…
25 June 2019
best rewards cards in the philippines
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The 7 Best Rewards Cards in the Philippines (2019)
What could be more rewarding than redeeming points from every peso you spend using your credit card? No wonder rewards cards are one of the popular credit card types in the Philippines. If you love collecting rewards points and exchanging them for vouchers or merchandise and even cash rebates, you’re in the right place. Who…
14 June 2019
best credit cards for dining in the philippines
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5 Best Credit Cards for Dining in the Philippines (2019)
Eating is part of Filipino culture. It’s not just about savouring the food but eating together – your dining experience wouldn’t be complete without your friends and family. So, whether you just recently got promoted at work, received a huge commission, or you want to celebrate a family milestone, make sure you get the most…
13 June 2019
Best payWave Debit and Cash Back Credit Cards, and Other Cashless Payments in the Philippines
Lifestyle
Best payWave Debit and Cash Back Credit Cards, and Other Cashless Payments in the Philippines
Dreaming about cashless payments when shopping? While cash is still the preferred mode of payment in the Philippines, there’s still hope! The journey to becoming a cashless society is still a way in the Philippines. However, the collaboration of commercial banks and fin-tech companies are unlocking the opportunities for Filipinos to enjoy the convenience of…
13 June 2019
citi rewards review
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Citi Rewards Card Review – Shopaholics Delightful Treats
The Citi Rewards Card is a shopper’s delightful treat, offering 3x points when you use it to shop, dine, or book a ticket via Cebu Pacific Airlines. You earn (1) point for every P30 you spend. Citi Rewards also offers a generous Welcome e-gift for new cardholders, which you redeem once you meet the minimum…
5 June 2019
best cash back credit cards in the philippines
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3 Things to Watch Out When Choosing a Cash Back Credit Card
Cash from a credit card? You’re not dreaming, though. If you “swipe wisely” you can earn a meaningful amount every month. Here’s a summary of cashback credit cards in the Philippines. Credit Card Minimum Annual Income Requirement Spending Category HSBC Gold Visa Cash Back Credit Card P200,000 Dining & Others Citi Cashback Card P250,000 Utility…
3 June 2019
property loans in the philippines
Property
Home Loans in the Philippines – The Complete Guide to Property Loans
Are you ready for a huge financial commitment this year? This guide will help you navigate the process of acquiring a home loan in the Philippines. The type of property, location, income, principal amount, and tenure of your loan are significant factors to consider. There are also questions you need to ask yourself – for…
30 May 2019