REVI Credit lets you sign up for FREE with ZERO annual fees, disbursement fees, and application fees. There's also no need to pay for anything if you don't use your credit line.
Below are all the other fees and charges applicable to REVI Credit:
1) Transfer fee - 2% of transaction amount or a minimum of PHP 50 (whichever is higher)
2) Late payment charges - 5% of unpaid principal balance due or PHP 50 (whichever is higher)