No Credit Card? Here’s How to Buy Hassle-Free!

These days, online shopping and cashless payments have become the way to go. But what if you don’t have a credit card? 

There are plenty of ways to make purchases when you don’t have a credit card. Whether you’re buying from e-commerce stores, paying bills, or booking flights, you have several options. 

Here’s how you can shop without a credit card in the Philippines:  

A debit card works just like a credit card, but instead of borrowing money, you use the funds in your bank account. Most major banks in the Philippines offer debit cards that are accepted online and in physical stores. Just make sure your card is enabled for online transactions. 

E-wallets have become a game-changer for Filipinos who prefer cashless transactions. These platforms allow you to link your bank account, deposit cash through convenience stores, or receive money from other users. You can use e-wallets for online shopping, paying bills, and even sending money to friends and family. 

Many online stores and service providers accept direct bank transfers as a payment method. If you don’t have a credit card, you can transfer money straight from your bank account using mobile banking apps. Some merchants even accept over-the-counter deposits. 

If you want flexible payment options, try BNPL services. These platforms let you shop now and pay in installments without needing a credit card. As a matter of fact, Home Credit happens to offer buy now, pay later by applying through product loans. 

Gift cards are a great alternative to credit cards for making purchases. Many online and physical stores in the Philippines accept gift cards as a payment method. You can buy them from convenience stores, supermarkets, or online platforms and use them for shopping, dining, or entertainment.

If you’re enrolled in a rewards program through your bank, e-wallet, or a loyalty program, you can redeem your accumulated points for purchases. Some platforms allow you to use points for discounts, shopping vouchers, or even direct purchases, helping you save money while shopping without a credit card.

Although not yet mainstream in the Philippines, some businesses accept cryptocurrencies. If you’re into crypto trading, you can use certain platforms to convert digital assets into cash or use them for direct payments. 

If you need financial flexibility, Home Credit offers product loans that allow you to make purchases without a credit card. 

A product loan lets you buy gadgets, appliances, and other essentials on easy installment plans. What’s best, is you can apply for a product loan with just 1 valid ID! You can also download the app for easy applications and be notified for up-to-date deals. 

Not having a credit card doesn’t mean you’re limited when it comes to shopping or making payments. With e-wallets, debit cards, COD, and flexible BNPL options, you can still enjoy the convenience of cashless transactions. 

Which of these payment methods do you use the most?