No Cash? No Problem! Here’s Why Paying Tuition with a Credit Card is a Good Move

Rouselle Isla

Rouselle Isla

Last updated May 30, 2022

For parents, education is the best thing they can leave their children with. A good education is a ticket to success and can provide anyone a lifetime shield against poverty. Because education is very important in Filipino culture, parents do their best to send their kids to the best learning institutions regardless of economic status.

When it comes to a child’s learning journey, parents need to face the challenge of paying the price (on top of paying for the cost of raising a child in the Philippines). How much do you need to save for your child’s education? And if you haven’t saved enough, what are other available options for you to pay? Is paying tuition with a credit card possible? 

We’re all facing a crisis that makes it difficult to pay for tuition, miscellaneous expenses, and other school fees in cash. So here are some things parents and breadwinners of the family should know about paying school fees with your credit card. 

Can I Pay Tuition with a Credit Card in the Philippines? 

Yes, you can pay tuition and other school fees with a credit card in most learning institutions in the Philippines. Of course, if you’re going with this mode of payment, your credit limit must be enough to pay for the amount required. 

Fortunately, most schools and colleges offer affordable and flexible monthly, quarterly, and annual tuition fee payments.  

Advantages of Paying Tuition with a Credit Card

paying tuition with credit card - advantages

It’s always better to pay for tuition in cash, so you won’t have to worry about the credit card bill later. But when you’re short on cash and want a quick and hassle-free option, you can always charge it to your credit card.  

Here are more benefits to paying tuition with a credit card.

Installment Payments 

Credit cards in the Philippines can help parents pay tuition fees on an installment basis. Even without cash on hand, cardholders can settle all school fees through a credit card and repay in installments. The mode of repayment highly depends on the terms and conditions set by the credit card issuer for this privilege. 


You can pay the full tuition along with other fees without the need to bring a considerable amount of cash. Depending on your child’s school, you can visit it once and swipe your card for payment. Or you can pay online using the school’s financial information via a payment gateway. You can also have it enrolled as one of your credit card billers.


Most credit card issuers charge as low as a 1% monthly add-on rate. However, you need to check with the school if it requires additional fees when you pay with a credit card instead of cash or check. Some schools may charge processing fees on top of your total payable amount.


Some credit cards let you earn points, miles, or cashback when used to pay for tuition. It depends on the credit card you own. If you have a new credit card with a sizable spend requirement, you can use it to pay your child’s tuition. 

Not only will you be able to pay in affordable installments. You’ll also get rewards points and meet the spend requirement to receive a free welcome gift or waived annual fees for life. 

Disadvantages of Paying Tuition with a Credit Card

Some credit cardholders opt not to use their credit cards to pay for tuition because it exposes them to debt, plus these other disadvantages. 

Low Credit Limit

If your credit limit is too low, you won’t be able to use it to pay the tuition fee in full. Even if you settle your outstanding balance, your credit limit may still not be enough. 

You can request an increase in credit limit from your bank, although this will be subject to approval. Still, you can pay for other school fees and miscellaneous expenses that are not as significant as tuition for a whole school year.

No Credit Card Payments

Some learning institutions accept only traditional modes of payment such as cash and check. More often than not, it’s the small schools with a small student population located in provincial areas. For this, you may have to make a cash advance on your credit card. But that will also incur additional charges and fees. 

Not All Credit Cards are Accepted 

Some schools and colleges have their preference when it comes to the credit cards that they accept. So it can be a hassle if they’re provider-specific like BPI or Metrobank credit cards only, or network-specific like Visa or Mastercard only. 

Schools That Accept Credit Card Tuition Fee Payment in the Philippines

paying tuition with credit card - list of schools that accept cards in the philippines

Fortunately, there are quite a lot of schools, colleges, and universities in the Philippines that accept credit cards for tuition fee payments. In case you’re wondering if your child’s school is one of them, check out the table below that lists some schools and colleges where you can pay via credit card. 

School or College Credit Cards Accepted
University of the East Visa, Mastercard, and JCB
De La Salle University Visa and Mastercard
Lyceum of the Philippines Visa, Mastercard, American Express, and JCB
Adamson University Visa, Mastercard, American Express, and JCB
AMA Computer College Visa, Mastercard, etc.
Ateneo de Manila – Quezon City Visa and Mastercard
Asia Pacific College Visa, Mastercard, and JCB
MSA Group Inc. Visa, Mastercard, etc. 
Don Bosco Technical College Visa and Mastercard
Ateneo de Davao University Visa and Mastercard
ICCT Colleges Foundation Visa and Mastercard
Pasig Catholic College Visa, Mastercard, etc. 
Assumption College – San Lorenzo Visa and Mastercard
FEU-East Asia College Visa, Mastercard, and JCB
Ateneo de Manila – Rockwell Visa and Mastercard
Centro Escolar University Visa, Mastercard, and JCB
Far Eastern University Visa, Mastercard, and JCB
San Beda University  Visa and Mastercard
Miriam College Citibank, BPI, Diners, and Metrobank
Our Lady of Perpetual Succor Visa, Mastercard, etc.
Saint Pedro Poveda College Visa, Mastercard, etc.
Southville International School Visa, Mastercard, American Express, JCB, UnionPay
University of Santo Tomas Visa, Mastercard, and JCB
Silliman University Visa, Mastercard, etc.
The University of Asia and the Pacific Visa, Mastercard, and JCB

Read more: 9 Helpful Family Budgeting Tips in the New Normal

How to Pay Tuition with a Credit Card

Depending on the school, you may need to pay over the counter or through online payment channels with your credit card.

Swipe your credit card at the school’s point-of-sale terminal to pay over the counter. From there, call your bank to apply for conversion from straight purchase to installment. 

If you’re going to pay online, you may need to enroll the school as a biller first using your preferred online payment channel. Do a bill payment using your credit card. Again, you’ll need to call your bank to apply for installment conversion. 

Lastly, you can pay with a credit card via the school’s online payment platform. Just key in the amount and your credit card details, then confirm the transaction. Call your bank to apply for installment payments.

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Credit Card Tuition Fee Promos You Can Avail

Make your tuition payment easier and lighter on the pocket through monthly installments. If you’re looking for credit card promos that you can avail of to pay for tuition fees this year, here are just some of them.

HSBC Balance Conversion Plan for Tuition Fees

Can you pay tuition with a credit card from HSBC? Yes, definitely!  

HSBC’s Card Balance Conversion Plan for Tuition Fees[1] allows you to use your HSBC credit card at monthly interest rates of 1% for six months and 0.75% for 12 and 24 months. A processing fee of ₱250 is charged for each approved application.

For example, if you charge a straight transaction of ₱40,000 for tuition expenses, you can convert it to installment payments for 24 months and pay just ₱1,966.67 per month. 

[ninja_tables id="107372"]

BPI SIP Balance Transfer Loan

paying tuition with credit card - BPI SIP promo

The SIP Balance transfer promo comes with a monthly add-on rate of 0.99% for 36 months. BPI credit cardholders of any of the following cards and are in good standing can avail of this special installment plan: 

  • Blue Mastercard
  • BPI Gold 
  • Petron-BPI Mastercard
  • Edge Mastercard
  • Amore Cashback
  • Amore Platinum Cashback 
  • Visa Signature

Use your BPI credit card to avail of the Special Installment Plan[2] promo and enjoy the BPI tuition fee installment this 2022. SIP is just a way of simplifying things with just one card. You can convert your credit limit into cash, which will be directly credited to your BPI savings account in four days, or through a manager’s check that will be available seven days after your application.

Security Bank SimplyPay

paying tuition with credit card - Security Bank SimplyPay

All Security Bank Mastercard credit cardholders can avail of Security Bank’s SimplyPay facility, which has up to ₱500,000 credit limit. Pay in full and then in installment for up to 12 months at just a low monthly add-on rate. 

Aside from paying tuition fees, you can also use this feature to pay insurance premiums, hospital bills, utility bills, and even rent. 

To be eligible for the SimplyPay feature, you must be a principal credit cardholder of any of the following Security Bank cards, and they must be active and current: 

  • Classic
  • Gold
  • Platinum
  • World
  • Cashback
  • Next Mastercard

For straight payments, the minimum transaction is ₱1,000, while it’s ₱3,000 for installment payments. To apply for SimplyPay, fill out the online SimplyPay Application Form,[3] accept the Terms and Conditions, tick the data privacy box, and then click Submit. Alternatively, you can call the Security Bank Customer Service hotline at +632 8887 9188.

You’ll get a notification via SMS or email whether your application is approved or declined. It usually takes about six days to process the application upon submission of the form. And then once approved and processed, the corresponding fees and rates will be automatically charged to your account.

Pay Tuition Fees with Ease with PNB

Got a PNB credit card? You can pay tuition fees straight or in installments. The minimum installment amount is ₱3,000, and principal and supplementary cardholders in good credit standing can avail of the offer.

There’s a processing fee of 5% of your total balance, or ₱500, whichever is higher. And more importantly, all your installment payments will earn rewards points or miles. 

Email or call PNB Cards at +632 8818 9818 for more information. 

Final Thoughts

Paying tuition with a credit card isn’t all that bad, especially if you have a high credit limit and are eligible for the offer. If you have problems with cash at the moment but can easily make the installment payments later, then there’s no problem! 

What’s more, you get to enjoy the convenience of cashless payments, whether over the counter or online. Opting for credit card payments can also help you save more money and earn more rewards points and rebates. 

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Rouselle has over eight years of writing experience in the personal finance niche. She has written feature stories, articles, and how-to guides on various personal finance and trending lifestyle topics. And when not writing or editing articles, Rouselle likes binge-watching Netflix shows and fixing herself a nice, tall glass of iced coffee. Follow Rouselle on Linkedin.