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BPI Debit EMV Cirrus Gold®
Debit cards

BPI Debit EMV Cirrus Gold®

Updated: 13.10.2022

Through Express Payment System (EPS) and BancNet, the BPI Debit EMV Cirrus Gold enables you to enjoy cashless shopping with a higher purchase limit at more than 45,000 merchant locations nationwide. But first, you need to activate your BPI debit card before you can use it to make purchases at POS terminals in your area, as well as those affiliated with EPS and BancNet to make in-store payments. 


No matter where you are, you can take advantage of borderless transactions with the BPI Debit EMV Cirrus Gold. It also gives you access to the following features: 

  • An EMV-enabled chip card technology makes every transaction safer than with magstripe cards. 
  • The Express Payment System (EPS) is used for transactions at any ATM affiliated with BPI, BancNet, or Cirrus. You can pay in-store using your BPI Debit EMV Cirrus Gold card. However, you must ensure the establishment has the EPS and BancNet logos. You must also activate the card for global access to withdraw abroad. 
  • The card has a withdrawal cap of ₱ 50,000 and a purchase limit of ₱ 250,000 at point-of-sale terminals. In addition, the debit card charges 1.5% for international in-store transactions in any currency. 

Pros and cons of BPI Debit EMV Cirrus Gold 

You can use the BPI Debit EMV Cirrus Gold card to access various features. Before applying, you should be aware of a few advantages and drawbacks. These includes: 


  • You can use the card at any ATM affiliated with Cirrus to withdraw money in the currency of the country you are visiting. 
  • You can benefit from free local in-store withdrawals, transactions, and balance checks. 


  • You cannot use your card at any point-of-sale terminals for in-store payments abroad. 
  • You must inform BPI that you want to activate your card’s international access. 
  • You cannot use a debit card to pay for online purchases or services. 

How to apply?

You must visit a BPI branch to apply for this card. The banking representative will hand you a form to fill out once you tell them you want to apply for the BPI Debit EMV Cirrus Gold. Then, you must complete all fields with accurate information, including the account you want to link to your debit card. Before you sign the paperwork and hand it to the BPI banking representative, make sure you are aware of the terms and conditions. Following that, BPI customer service will let you know when your debit card is ready.

Enjoy cashless shopping with a higher purchase limit in over 45,000 merchants nationwide through Express Payment System (EPS) and BancNet.

  • EMV Chip-Enabled
  • Shop and Pay
  • Get Cash

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