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BPI credit cards for february 2024

BPI
Apply for a credit card at BPI. On 22.02.2024 you have access to 9 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 9
Updated:
13.10.2022
10:58
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BPI loans calculator
Calculate the loan at BPI
Loan amount
i

The amount you want to receive

PHP
PHP
20000 ₱
2000000 ₱
Loan term
i

Specify the desired length of the loan

months
days
12
36
Annual Contractual Rate (ACR)
i

Choose the interest rate on the loan

14.4 %
25.6 %
Type of payments
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Specify the type of payment for calculating

Interest rates on credit cards in the Philippines

According to the guidelines for Bangko Sentral ng Pilipinas Circular No. 1133, Series of 2021, on the ceiling/s of interest rates and other fees charged by lending companies, financing companies, and their online lending platforms, the maximum nominal interest rate for unsecured loans is 6% per month (0,2% per day), and the maximum effective interest rate is 15% per month (0,5% per day). The caps apply to unsecured loans of no more than ₱10000 and payable within four months.

Credit Card Application Online of February 2024

Credit card limit
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Specify the credit card limit amount

10000 ₱
150000 ₱
Mark Levin
Your data is securely protected
Savii
1
No comment yet coz im not yet approved in my application
Review
DIGIDO
5
very fast
Review
Kviku
4
Please address my concerns regarding my loan application and its processing...
Review
Kviku
1.6
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
Review
Kviku
1.4
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
Review
Kviku
1.8
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
Review
BPI credit cards for february 2024

When using a BPI credit card, transactions are made against a line of credit rather than the account holder's cash deposits. When someone purchases using a BPI credit card, a balance is accumulated on their account that needs to be paid off each month.

Types of BPI credit cards

BPI Visa signature card

The BPI Visa signature card is ideal for people who want access to global services and earn real thrills rewards. It comes with a free membership for the first year and the cost of its annual membership is ₱5,500 2nd year onwards.

Features

  • Faster points accrual. When you spend ₱20, you get one reward point

  • 50% off all-year-round signature offers

  • Free use of the airport lounge at NAIA 3

  • Special currency exchange rates

  • Complimentary travel insurance up to ₱20m

  • 24-hour Visa Global Concierge

  • 1.85% low currency conversion rate

  • Free membership to the Ayala rewards circle

BPI platinum rewards Mastercard

The BPI platinum rewards card is ideal for people who want to earn attractive rewards, especially on travel bookings. It also comes with a free membership for the first year and the cost of its annual membership reaches ₱4,000 2nd year onwards.

  • ₱30 local spend or ₱20 spent on any foreign transaction made locally and overseas = one real thrill rewards premium point.

  • All-year-round real 0% installment for up to 6 months on airline tickets

  • Free priority pass membership with up to four free passes for access to airport lounges throughout the world

  • Up to ₱10m in free travel insurance; 180 days of purchase protection

  • Access to travel and lifestyle services from Mastercard

BPI Amore platinum cashback card

The BPI Amore platinum cards are ideal for people who generally transact online a lot. They will be able to earn attractive rewards by using this card for online or offline purchases. You can get cashback everywhere you purchase, and Ayala malls provide great benefits. Just like other cards, it also comes with a free membership for the first year and the cost of its annual membership reaches ₱5,000 2nd year onwards.

  • 4% on dining establishments, 1% on supermarkets and other retail establishments, and 0.3 % on all other purchases

  • Benefits at Ayala Malls: free admission to the lounge, a 5% movie discount, and free parking tickets

  • Terms of installments of up to 36 months

  • 1.85% low currency conversion rate

  • Access to immediate funding

How to apply?

Any customer with a BPI account can apply for a BPI credit card. To apply, follow the steps below:

  1. Visit the BPI website, highlight Cards, and click on Credit cards.

  2. On the new page, highlight Apply now and click on it.

  3. Enter your date of birth and your phone number.

  4. Type in your email and retype for confirmation.

  5. Read the terms and conditions, click on Agree if you do, and then click Submit for confirmation.

  6. Further directives will be sent to your email address.

Requirements

To apply for a BPI credit card, you will be required to submit a proof of ID, and proof of income.

  • The borrower has to submit a proof of ID that has their picture, with its front and back portion clearly visible. The accepted IDs include driver’s license, passport, voter’s ID, SSS/GSIS ID, BIR/TIN ID, PRC ID, postal ID, or company ID (issued by any institute registered by BSP, SEC or IC)

  • Along with that, they will be required to submit a proof of income or a statement of accounts from your previous credit card company.

Pros and cons

Using the BPI's credit card services has the following benefits and drawbacks.

Pros

  • A card is a useful tool for establishing a credit history;

  • It is safer than cash;

  • It includes some bonus points.

Cons

  • Borrowing is quite expensive;

  • With the card, it is simple to fall into a debt trap;

  • Applying for multiple cards could harm your credit history.

How to repay?

Automatic debit arrangement (ADA) or over-the-counter repayment of BPI credit card loans is only possible at the branch where you applied for the loan and signed the contract. The BPI mobile app allows you to keep track of your loan and payments, and if you forget to make a payment, a 6% late payment fee will be assessed.