All Bank of the Philippine Islands credit cards offer free annual membership for the first year. After that, the annual fee for the second year of membership and onwards varies from Php 1,320 to Php 5,500. In addition, BPI provides free-for-life membership for the first supplementary card.

Sometimes the bank offers highly attractive promotional options like No Annual Fee Forever Plus Up to Php 10,000 Shopping Credits Promo. It allows customers to get a free-for-life credit card, even a premium one if they apply for an eligible credit card and meet spending requirements.

No Annual Fee BPI Credit Card types

1. BPI Gold Mastercard allows you to earn one reward point for every Php 35 spent redeemed for many options and Php 10 million in travel insurance coverage.
2. BPI Blue Mastercard has a Php 2 million travel insurance and earning rate of 1 point for every Php 35 spent.
3. BPI Amore Cashback Card lets you earn cashback for every Php 1,000 spent and get access to Ayala Malls lounges. 4% cash back in supermarkets, 1% on drug stores and utilities, and 0.3% on other purchases.
4. BPI Amore Platinum Cashback Card lets you earn up to 4% cash back on dining and food, 1% in supermarkets and department stores, and more Ayala Malls perks.
5. BPI Platinum Rewards Mastercard is a premium card with exclusive services, travel insurance, and purchase protection. In addition, you earn and redeem Real Thrills Rewards Premium Points for various things, including flights with 54 airline partners.
6. BPI Visa Signature Card is a premium card with the highest annual fee after the first year — Php 5,500. In addition, the card provides exclusive 50% off deals on hotels, dining, etc., Visa Global Services travel benefits, full travel insurance, and access to Ayala Rewards Circle.
7. Petron-BPI Mastercard is a special card for Petron fuel station customers which offers a 3% fuel rebate at BPI-accredited Petron stations and a free Php 200 fuel voucher.
8. BPI Edge Mastercard has the lowest monthly fee for the second year of Php 110. In addition, you may earn one Real Thrills Reward point for Php 50 spent.

Real 0% Special Installment Plan (SIP), Buy Now Pay Later, and additional installment limit are available for all BIP credit cards.

The interest rate is 2%, and transaction and service fees may be applied.

How to apply for a No Annual Fee BPI Credit Card?

You could apply for a BPI credit card at the BPI branch or online.

1. Visit the BPI website, choose «Cards — Credit cards» at the side menu and click the «Apply now» button.
2. Enter your mobile number and email.
3. Fill out personal information: name, date of birth, place of birth, citizenship, mother's maiden name, sex, address, educational attainment, civil status, and the number of dependents.
4. Fill out financial information: gross monthly income and source, employment type, employer name, industry, employment start date, business contacts, and Tax Identification Number or SSS/GSIS Number. In addition, provide info about your car, other bank credit cards, and your existing BPI account.
5. Add an additional cardholder for free.
6. Upload your ID and income documents: select a file or take a photo with your mobile device.
7. Review and submit the application.

Requirements

To be eligible for a BPI credit card, you must

• Provide one valid ID with a picture
• Provide Proof of Income, for example, a Certificate of Employment or latest Income Tax Return (ITR) with BIR stamp/bank stamp or a copy of your credit card statement from another bank.

Pros and cons

Pros

• One year no annual fee card membership
• No annual fee for a supplementary card
• Different types of cards to choose
• Apply online
• Manage credit card through Online account and Mobile app
• A lot of payment channels and flexible payment options
• The great rewards program and cash-back rate

Cons

• An annual fee is charged for the second year of card membership and onwards, not for the first year
• Welcome bonus promo period is limited
• No purchase protection for most cards

How to make a payment?

You could pay your BPI Credit Card bill via BPI Online or BPI Mobile app, in the BPI branch, via third-party payment channels: Bayad Center, Cebuana Lhuillier, SM Payment Counters, ECPay partner outlets, via Coins.ph, Gcash, PayMaya, Bayad.

Make at least a minimum payment not later than three banking days before your due date; otherwise, a late payment fee of Php 850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be applied.