BPI credit cards for february 2025
Apply for a credit card at BPI. On 15.02.2025 you have access to credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Update date 04.10.2022
BPI credit cards for february 2025 -  offers.

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.

22.08.2022
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Updated 04.10.2022

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