The enhanced community quarantine has pushed many banks to waive their late fees. Due to the signing into law of Republic Act 11469 or the Bayanihan to Heal as One Act of 2020, however, rules on other charges may also change.

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We made a list of banks na walang late fees for the time being. Please note that these are their latest updates as of writing. We’ll update this article should there be anything new, so make sure to keep this page bookmarked!


BPI has a Grace Period Payment Option for those with due dates from March 16 to April 15. Your late fees are automatically waived. According to the BPI website:

“For clients who pay only the minimum due, only late payment charges will be automatically waived. Requests to reverse finance charges may be evaluated.

“For clients who pay their dues in full (consistent for the past six months), both finance charges and late payment charges can be waived.

If you want your finance charges waived but do not meet the requirements, puwede ka pa rin naming mag-inquire sa kanilang hotline, as your request will still be considered and evaluated.


BDO Unibank

BDO is offering a 60-day payment extension for qualified credit card customers for those with due dates up to April 15. Hindi na-mention kung waived na rin ang finance charges, so it’s best to contact them for more information.

Citi Philippines

Credit card holders in good credit standing are granted “a one-month extension on their payment due date,” but interest charges will still apply. If you need help with your interest charges, maaari kang mag-message via Citibank Online gamit ang iyong computer.

China Bank Philippines

China Bank offers a payment holiday for those with credit card due dates from March 17 to April 13, 2020. Ibigsabihin, if you have good credit standing, you can skip your current due date and pay on the next. You can call their hotline or message them on their Facebook page to inquire about waiving finance charges.

East West Bank

East West Bank is extending payment due dates for thirty dates for qualified customers. Wala pang balita on whether or not they’re waiving finance charges.



Metrobank’s Skip Payment Program allows you to delay payment for 30 days ng walang late fees. According to their notice, kapag nagbabayad ka in full “on or before due date in the last six months, finance charges will be reversed. This will be reflected in your next statement of account.”


May 30-day deadline extension din na offer ang PNB for card holder with due dates from March 18 to April 15, 2020. As of writing, finance charges will still be applied.

RCBC Bankard

Nag-update ang RCBC, saying na maari pang magbago ang terms nila for their Payment Holiday, base sa Republic Act 11469 . Sa ngayon, “cardholders whose Due Dates fall from March 16 to April 15, 2020, can skip their due dates and make a payment 30 days after… Interest charges will be evaluated.”

Security Bank

Walang late fees for Security Bank card holders with payment due dates from March 16 to April 14, 2020. Ayon sa kanilang Facebook advisory, “For credit cards, waivers of finance charges are on a case-by-case basis."


Other options

If you can still manage to pay your credit card dues on or before your deadline, you can do so via your bank’s app, or apps like GCash and Paymaya. This will help lessen your worries when it comes to whether or not you’ll still be charged with late fees. As mentioned, posible pang magkaroon ng updates on terms, which is why it’s always best to reach out to their customer care centers. Need their hotlines? Check them out below:

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