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Prepaid Cards · 2026

Best prepaid cards for online shopping in 2026

Reloadable cards you can use on Shopee, Lazada, Steam, and PayPal, with no credit card needed.

SBC
Reviewed by the
ShopByCards Editorial
Last updated June 2026
9 min read

How we chose & scored

Every account is scored out of 10 across five factors. We weight what matters most to everyday Filipinos: keeping the account free, and easy access from your phone.

Online acceptance · 30% Annual fee · 25% Reload ease · 20% PayPal support · 15% Network · 10%

The best picks, reviewed

#1
Maya Mastercard
5333 •••• •••• 4108
Maya Mastercard
Online & in-store
Maya

Maya Mastercard

Mastercard · Open via Maya app
9.1 / 10

Free virtual + physical Mastercard linked to your Maya wallet. A go-to for Shopee, Lazada, Netflix and Steam.

Maintaining
n/a
Initial deposit
n/a
Interest p.a.
n/a
Fees
₱0
Pros
Free virtual card, instant
Reloadable in-app
Works on most international sites
Cons
Top-up via partners has a small fee
Check requirements Read full review
#2
GCash Mastercard
5377 •••• •••• 2104
GCash Mastercard
Online & in-store
GCash

GCash Mastercard

Mastercard · Open via GCash app
8.9 / 10

Turns your GCash balance into a card you can use anywhere Mastercard is accepted. ₱0 annual fee, ₱250 one-time issuance plus shipping.

Maintaining
n/a
Initial deposit
n/a
Interest p.a.
n/a
Fees
₱0 (₱250 one-time)
Pros
Pay directly from GCash
Works internationally
₱0 annual fee
Cons
₱250 one-time issuance & shipping
ATM withdrawal up to ₱18 per transaction
Check requirements Read full review
#3
PSBank Mastercard
5482 •••• •••• 1133
Prepaid Mastercard
Budgeting
PSBank

Prepaid Mastercard

Mastercard · Open via PSBank branch
8.1 / 10

A straightforward reloadable Mastercard from PSBank, still issued in 2026 and one of the few remaining bank-issued prepaid options after the 2024 mass-discontinuance wave.

Maintaining
n/a
Initial deposit
n/a
Interest p.a.
n/a
Fees
₱0 first year
Pros
Bank-issued (PSBank) with branch support
Works for PayPal verification
Free first year
Cons
Branch acquisition only
Limited online reload options
Check requirements Read full review
#4
BDO Mastercard
5253 •••• •••• 3340
BDO Pay Card
In-store & ATM
BDO

BDO Pay Card

Mastercard · Open via BDO Pay app
8.0 / 10

The replacement for the discontinued BDO Cash Card. Issued and managed entirely in the BDO Pay app, with the same in-store + ATM utility but a modern in-app onboarding flow.

Maintaining
n/a
Initial deposit
n/a
Interest p.a.
n/a
Fees
₱0
Pros
Available in-app
Replaces the retired BDO Cash Card
Reloadable from any BDO source
Cons
New product; feature parity with the old Cash Card is still maturing
Check requirements Read full review

Side-by-side comparison

Account Maintaining Initial Interest Open via Score
Maya Mastercard
Maya
 n/a n/a n/a Maya app 9.1 / 10
GCash Mastercard
GCash
 n/a n/a n/a GCash app 8.9 / 10
Prepaid Mastercard
PSBank
 n/a n/a n/a PSBank branch 8.1 / 10
BDO Pay Card
BDO
 n/a n/a n/a BDO Pay app 8.0 / 10
Maya Mastercard
Maya
9.1 / 10
Maintaining
n/a
Initial
n/a
Interest
n/a
Open via
Maya app
GCash Mastercard
GCash
8.9 / 10
Maintaining
n/a
Initial
n/a
Interest
n/a
Open via
GCash app
Prepaid Mastercard
PSBank
8.1 / 10
Maintaining
n/a
Initial
n/a
Interest
n/a
Open via
PSBank branch
BDO Pay Card
BDO
8.0 / 10
Maintaining
n/a
Initial
n/a
Interest
n/a
Open via
BDO Pay app

Methodology & disclosure

Figures shown are for illustration and were last verified in June 2026; banks change fees, interest rates and requirements without notice, so always confirm with the provider before opening. We independently research every account using public rate sheets and the providers’ own apps. No bank pays for placement, and referral fees never change a product’s score or position. All providers featured are supervised by the Bangko Sentral ng Pilipinas (BSP) and deposits are insured by the PDIC up to ₱500,000 per depositor. This article is general information, not personalised financial advice.

Top pick: Maya Mastercard
₱0 annual fee · online-ready
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