Thinking of getting a BPI credit card? You’re in luck because you can conveniently submit your BPI credit card application online.
That's right! No need to go outside to apply for a BPI credit card. As long as you have all the required documents, you can complete the entire application in just a few minutes. Learn how to do it through our step-by-step guide.
Why Apply for a BPI Credit Card?
If you don’t have a credit card from BPI, now’s the best time to get one. Here’s why:
✔️ Convenient Online Application
You can quickly complete the BPI credit card application form online in just 5 to 10 minutes. Moreover, you can also upload the required BPI proof of income and other relevant documents via its online application facility.
✔️ Great Credit Card Features
From waived annual fees to installment terms of up to 36 months, credit to cash option, rewards points, free travel insurance coverage, and low forex conversion rates, there are many great features to enjoy when you get a BPI credit card.
✔️ Waived Annual Fees
Enjoy no annual fees in your first year when you get approved for a BPI credit card. Watch out for BPI credit card no annual fee promos, which you can avail of when you meet the spend requirement within the promo period.
BPI also waives annual membership fees on its select premium cards like the Gold Mastercard, Amore Platinum Cashback, and Visa Signature for customers who meet the annual spend requirement.
✔️ Exciting Rewards Program
It’s easy to earn rewards points with your BPI credit card. For instance, you can earn 2 BPI Points with every ₱20 spend with your BPI Signature or Platinum Rewards (for overseas spend) card.
✔️ Non-Expiring BPI Points
One of the best things about spending with your BPI credit card is that your points won’t expire. Redeem items and services using your BPI Points in the BPI Rewards Catalog or VYBE App.
Read more: Top 11 BPI Credit Card Perks: Why You Should Make the Switch Today
BPI Credit Card Application Guide: How to Apply Online
Step 1: Check Your Eligibility
Before applying, make sure you're eligible for a BPI credit card. Below are some of BPI's eligibility criteria for credit card applications:
- At least 21 years old
- Philippine resident or Filipino citizen
- Must be earning at least ₱180,000 per year
- Must have a business or residence contact number
Step 2: Review the BPI Credit Card Application Requirements
Aside from the accomplished online credit card application, you must also submit scanned copies of your valid ID and proof of income.
Refer to this list:
📌 For employed
- Government-issued ID
- Photocopy of latest BIR Form 2316
- Certificate of Employment (COE) and latest payslips
📌 For self-employed
- Government-issued ID
- Latest Audited Financial Statement with BIR or bank stamp
- Latest Income Tax Return with BIR or bank stamp
📌 For foreign residents
- Passport
- Alien Certificate of Registration and Work Permit or Embassy Accreditation Papers
Step 3: Choose a BPI Credit Card That Suits Your Budget and Lifestyle
BPI offers different types of credit cards,[1] each catering to different needs, budgets, and lifestyles. Choosing the right one can be overwhelming because of the many choices. You can’t randomly pick a credit card based on gut feeling or family and friends' recommendations because what’s great for them may not work for you.
Why should you carefully select and compare a credit card? Going for the wrong card may get your application declined—especially if you don’t meet the specific requirements for that card.
Take your time and discover the different BPI credit card types below:
💳 BPI Rewards Card
- Annual income requirement: ₱180,000
- Annual fee: ₱1,550 (free for the first year)
- Interest rate: 3%
- Features:
- Earn 1 BPI Point for every ₱35 spend
- Up to 36 months installment terms
- Up to ₱2 million travel insurance coverage
💳 Petron BPI Card
- Annual income requirement: ₱180,000
- Annual fee: ₱1,550 (free for the first year)
- Interest rate: 3%
- Key features:
- 3% fuel rebate at Petron
- ₱200 fuel voucher welcome gift
💳 BPI Gold Rewards Card
- Annual income requirement: ₱480,000
- Annual fee: ₱2,250 (free for the first year; waived for the succeeding year if you meet the ₱240,000 annual spend requirement[2])
- Interest rate: 3%
- Key features:
- Earn 1 BPI Point for every ₱35 spend
- Free travel insurance up to ₱10 million
- Up to 36 months installment terms
💳 BPI Amore Cashback Card
- Annual income requirement: ₱180,000
- Annual fee: ₱2,050 (free for the first year)
- Interest rate: 3%
- Key features:
- Cashback for every ₱1,000 local spend: 4% cashback on supermarkets, 1% on drug stores and utilities, 0.3% on other local spend
- Up to 36 months installment terms
💳 BPI Amore Platinum Cashback Card
- Annual income requirement: ₱1 million
- Annual fee: ₱5,000 (free for the first year; waived for the succeeding year if you meet the ₱600,000 annual spend requirement[3])
- Interest rate: 3%
- Key features:
- Cashback for every ₱1,000 spend anywhere: 4% on restaurants, 1% on supermarkets and other shopping stores, 0.3% on everything else
- Up to 36 months installment terms
💳 BPI Platinum Rewards Card
- Annual income requirement: ₱1 million
- Annual fee: ₱4,000 (free for the first year)
- Interest rate: 3%
- Key features:
- Earn 2 BPI Points for every ₱30 local spend and ₱20 foreign currency spend online or abroad
- Up to ₱10 million travel insurance coverage
- Free access to over 1,300 airport lounges worldwide (with spend requirement)
- Up to 180 days of purchase protection coverage against accidental damage or theft for local and international purchases
💳 BPI Signature Card
- Annual income requirement: ₱1.2 million
- Annual fee: ₱5,500 (free for the first year; waived for the succeeding year if you meet the ₱1.2 million annual spend requirement[4])
- Interest rate: 3%
- Key features:
- Earn 2 BPI Points for every ₱20 spend
- 50% off Signature deals
- Free travel insurance up to ₱20 million
- Free annual fee for three years for Preferred Clients
Related:
- Fly for Free When You Convert Your Credit Card Points to Miles
- 7 Tipid Tips for Using Your Credit Card Abroad
💳 BPI Edge Card
- Annual income requirement: ₱180,000
- Monthly fee: ₱110 (free for the first year)
- Interest rate: 3%
- Key features:
- Earn 1 BPI Point for every ₱50 spend
- Up to 36 months installment terms
Step 4. Fill Out the Online BPI Application Form
Now it's time to file your BPI credit card application. Follow these steps for a smooth process:
- Go to BPI's online credit card application facility.[5]
- Choose up to two BPI credit cards that suit your needs, and click the Start Application button.
- You’ll find an application form with fields where you have to enter information about yourself and your employment, your finances, supplementary cardholders (if any), and personal references.
- Review your answers thoroughly and make sure they’re correct and complete.
Step 5. Prepare and Submit Your BPI Credit Card Requirements
To complete your BPI credit card application, prepare a scanned copy (should be in JPEG, PDF, or GIF format and no more than 2MB in size) or photocopy of each of the following documents:
- Proof of identity - Any valid government-issued ID will do
- Proof of income - Refer to the complete list of requirements above
Once your requirements are complete, click submit and review your BPI credit card application summary.
If you need more time to complete your application, you can exit and submit all documents within three banking days (from when you filed your application form). Failure to do so will result in the cancellation of your application.
See also: Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?
FAQs on BPI Credit Card Application
1. What is the best BPI credit card for me?
Here’s what you must consider when choosing a BPI credit card:
- What you’ll frequently use it for – Will you use the card to pay for groceries, shopping, travel, gas, gadgets, or online purchases?
- Your preferred kind of reward – Do you want to earn points, miles, rebates, discounts, or freebies each time you use it?
- Your budget and lifestyle – How much is your gross monthly income? Do you have the budget for the annual fees, finance charges, and other fees?
Consider the following BPI credit card features as well:
- Annual fee – Annual fees for BPI credit cards range from ₱1,000 to ₱5,500. But most cards waive your annual fees for the first year.
- Interest rate – Also known as a finance charge, the monthly interest rate is the interest charged on the amount you’ve borrowed. All BPI credit cards now have a 3% monthly interest rate.[2]
- Other features – Check the rewards points, rebates, and other exclusive perks of the cards you’re considering using.
Once you’ve figured out what you want from a BPI credit card, narrow down your choices and apply for one that suits your budget, lifestyle, and needs.
Here's a summary table of BPI credit cards to help you pick the right card for you:
2. How many days does a BPI credit card application take?
The BPI credit card approval process usually takes one to two weeks. While waiting for an update, it's recommended that you not apply for another BPI credit card, as this may affect your pending application.
3. How to check my BPI credit card application status online?
Wait for BPI to contact you regarding your BPI credit card application status. Banks typically take one to two weeks to process applications, so if you haven’t heard from the bank after two weeks, your application is likely declined.
How to follow up on your BPI credit card application via phone banking? Just follow the steps below:
- Call the BPI credit card hotline to find out your application status.
- Press 2 for Credit Cards and 2 for Credit Card Application Status Inquiry.
- Enter your 10-digit application ID number to know your credit card application status.
You can also contact BPI's customer service through the following numbers:
- Metro Manila: (+632) 889-10000
- Domestic toll-free: (+632) 1-800-188-89-100
- Mobile phone: (+632) 889-10000
4. How to activate my BPI credit card?
Got your BPI credit card? Congratulations! However, before using it, you need to activate your card first.
To activate your BPI credit card via SMS, here are the steps.
- Text BPIACT <space> last 10 digits of your BPI Credit Card. For example, BPIACT 0123456789.
- Send it to 225689.
Furthermore, you can visit any BPI branch to activate your card. Just bring your inactive BPI credit card and one valid, photo-bearing ID.
5. How do I check my BPI credit card balance?
To view your credit card balance, log in to your BPI online or mobile banking account. Another way is via BPI Phone Banking. Press 2 for Credit Cards and 1 for Balance Inquiry. Enter your 16-digit credit card number.
6. Where can I pay my BPI credit card?
Make your payments at any BPI Bank. You can also enroll to pay via any of the following payment channels if you have an account with BPI:
- Auto-Debit Arrangement
- BPI Mobile Banking
- BPI Online Banking
- BPI Phone Banking
- BPI ATMs
Alternatively, you can pay at any SM Bills Payment counter, ECPay merchant partners, and Bayad Centers.
7. When will my credit card payment be posted?
Over-the-counter cash payments at BPI branches will be posted on the next banking day. Check payments made before the clearing cut-off will be posted after the third banking day.
Phone/online banking payments made on banking days before 10 p.m. are considered same-day transactions, so they’ll be posted on the next banking day.
Any other payments made between 10 p.m. and 12 midnight on weekends and holidays will be considered next-banking-day transactions.
Payments made at SM Bills Payment centers, Bayad Centers, and ECPay merchant partners will be posted after three banking days.
8. How do I contact BPI customer service?
For any credit card-related concerns, you may reach the BPI customer service hotline through the following contact numbers:
- Metro Manila: (+632) 889-10000
- Domestic toll-free: (+632) 1-800-188-89-100
- Mobile phone: (+632) 889-10000
Aside from the BPI customer service hotline numbers, you may also send an inquiry on BPI's official Facebook page at www.facebook.com/bpi. If you wish to contact BPI customer service via email, you can simply fill out the online form[3] on the website.
Final Thoughts
Enjoy the convenience of applying for a credit card by doing it online. Good luck with your BPI credit card application. Always remember to swipe responsibly!
Sources:
Back to Blog 
