The Zed Android credit card launch marks a major milestone for the Silicon Valley–built fintech company as it opens access to nearly 200,000 Filipinos on its waitlist.
Announced on February 11, 2026, the Android rollout brings Zed’s full digital credit stack to a wider audience, including unlimited virtual cards, zero foreign transaction fees with no FX markup, Google Pay integration, and peer-to-peer bill splitting on credit.
Licensed under the Bangko Sentral ng Pilipinas (BSP), Zed is positioning itself as a next-generation credit card built around the real lifestyles of Filipino professionals—travel, online shopping, and shared expenses.
What the Zed Android Credit Card Launch Unlocks
With Android now live, users gain access to features designed to eliminate friction and hidden fees common in traditional credit cards:
• Unlimited virtual cards with real-time spending controls
• Zero foreign transaction fees and no currency markup
• Peer-to-peer payments charged to credit
• Google Pay contactless integration
• Fully in-app installment conversion at 1% per month
Zed was among the first cohort of credit card issuers to launch on Google Pay Philippines last November, reinforcing its early-mover digital strategy.
For official BSP regulatory guidelines, visit https://www.bsp.gov.ph.
Unlimited Virtual Cards to Reduce Fraud Risk
Online fraud remains a persistent issue in the Philippines. Zed addresses this with unlimited virtual cards that users can generate instantly for specific merchants or purchases.
Each virtual card can:
• Set custom spending limits
• Automatically expire after one use
• Expire within 24 hours
• Be locked instantly
These cards also integrate with Google Pay, adding another security layer when paying online or in-store.
For broader digital payments safety information, refer to https://www.bsp.gov.ph/PaymentsAndSettlements.
Zero FX Fees with No Markup: A First in PH?
The Zed Android credit card launch introduces a feature that stands out locally: zero foreign transaction fees combined with zero FX markup.
Most Philippine credit cards charge both a foreign transaction fee and an added markup on currency conversion. Zed removes both, allowing transactions abroad at the real exchange rate.
This makes it particularly appealing for:
• Overseas travel
• International online shopping
• Subscription services billed in foreign currency
For comparison of typical bank foreign transaction fees, you may refer to major Philippine banks like BDO or BPI.
KKB on Credit: Bill Splitting Reinvented
Zed also modernizes “KKB” culture by allowing peer-to-peer payments directly on credit.
Users can:
• Pay friends using their credit line
• Settle at the end of the billing cycle
• Accept repayments via InstaPay QR
This is particularly useful for shared restaurant bills, group travel expenses, and rent splitting.
For more about InstaPay, visit https://www.bsp.gov.ph/SitePages/PaymentsAndSettlements/InstaPay.aspx.
Fully Digital Installments at 1% Monthly
Zed Installments allow cardholders to convert purchases into installment plans directly within the app at a flat 1% per month.
Unlike traditional installment programs:
• No merchant tie-ups required
• No hidden fees
• No early repayment penalties
• No paperwork
The process is fully digital and transparent.
Built for the Next Generation of Filipino Cardholders
The Zed Android credit card launch represents a broader shift in Philippine fintech—moving away from opaque pricing and rigid bank processes toward software-driven, transparent credit tools.
Invitations are now rolling out to users on Zed’s waitlist. Interested users can download the Zed app and register for access.
Download the Zed app today and join the waitlist for a new kind of credit experience in the Philippines.
