Bank of Commerce Credit Card Application: How to Do It Online or Offline

Bank of Commerce is a commercial bank in the Philippines that started operations in 1963. In 2008, San Miguel Group invested in the bank, further strengthening its operations. Today, Bank of Commerce credit cards, among many other financial products, are offered in 140 branches nationwide. 

If you want a credit card that’s accepted in more than 30 million establishments worldwide, then let's kick off your Bank of Commerce credit card application—online or offline—with this guide. 

Why Should You Get a Bank of Commerce Credit Card?

Why should you complete a Bank of Commerce credit card application online or in-person? The following reasons may convince you:  

👍 Earn Rewards Fast 

Bank of Commerce credit cards let you earn points quickly. Get 1 rewards point for every ₱25 spend. On top of that, earn up to 5x rewards when you use your card at select restaurants and shopping establishments.

👍 Contactless Transactions 

Mastercard Contactless makes payments quick and secure. All you need to do is tap your card onto a contactless payment terminal to finish a transaction. You don’t have to provide your signature if your purchases are lower than ₱2,000. 

👍 Mastercard Automatic Billing Updater

Also known as ABU, the Mastercard Automatic Billing Updater helps prevent transaction declines due to changes or updates in your card details, such as the expiry date or card number. 

With this feature, your updated card details are automatically shared with participating merchant partners. You don’t need to update your card details manually in case of card renewal or replacement. 

👍 Exclusive Privileges

Bank of Commerce’s higher-tier cards come with exclusive features and privileges. These include dual currency billing, free travel insurance, and even access to airport lounges. 

Read more: Money-Saving Credit Card Hacks in the Philippines You Should Check Out

Bank of Commerce Credit Card Application: Online and Offline Process

Here’s how to apply for a Bank of Commerce credit card over the internet or at a BoC branch: 

Step 1: Check Your Eligibility for a Credit Card

To qualify for a Bank of Commerce credit card, you should meet these  requirements:

• 21 to 65 years old for principal cardholders; at least 15 years old for supplementary cardholders
• Filipino or foreign resident in the Philippines
• Earning a minimum monthly income for the following credit cards:
  • Classic Mastercard - ₱10,000
  • Gold Mastercard - ₱38,000
  • Platinum Mastercard - ₱100,000
• With an active landline number (office/ business/residence) and a postpaid mobile number

Step 2: Choose the Right Bank of Commerce Credit Card For You

Before downloading and signing the application form, compare different Bank of Commerce credit cards first to find the best one that suit your needs. Check out the following:

💳 Bank of Commerce Classic Mastercard

Features and benefits:

• 1 rewards point for every ₱25 spend
• Up to 5x points on shopping and dining spend
• 0% installment up to 36 months
• Contactless payment 
• Ideal for first-time credit card users or those looking for a card to use for everyday spending

Fees and charges:

• Minimum monthly income requirement: ₱10,000
• Interest rate: 3%
• Annual fee: ₱1,500
• Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower

💳 Bank of Commerce Gold Mastercard

Features and benefits:

• 1 rewards point for every ₱25 spend
• Up to 5x points on shopping and dining 
• 0% installment up to 36 months
• Contactless transaction
• Ideal for shoppers, diners, and travelers

Fees and charges:

• Minimum monthly income requirement: ₱38,000
• Interest rate: 3%
• Annual fee: ₱3,000
• Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower

💳 Bank of Commerce Platinum Mastercard 

Features and benefits:

• 1 rewards point for every ₱25 spend
• Up to 5x points on shopping and dining
• 0% installment up to 36 months
• Free travel insurance worth up to ₱2 million
• Dual currency billing
• Ideal for international travelers and shoppers

Fees and charges:

• Minimum monthly income requirement: ₱100,000
• Interest rate: 3%
• Annual fee: ₱4,000 / ₱5,000 (with dual currency billing feature)
• Late payment fee: For peso billing, ₱1,000 or the unpaid minimum amount due, whichever is lower; for dollar billing, US$20 or the unpaid minimum amount due, whichever is lower

💳 Bank of Commerce World Mastercard

Features and benefits:

• 1 rewards point for every ₱25 spend
• Free travel insurance worth up to ₱5 million 
• 0% installment up to 36 months
• 24/7 x 365 access to Mastercard Concierge Service
• Exclusive offers at more than 500 airports worldwide and membership to over 1,000 airport lounges 
• Exclusive benefits at participating resorts and hotels (e.g., complimentary breakfast, room upgrade, early check-in and late check-out, etc.)
• Dual currency billing option 
• Ideal for traveling businesspeople, international vacationers, and shoppers

Fees and charges:

• Interest rate: 3%
• Annual fee:  ₱5,000 / ₱6,000 (with dual currency billing feature)
• Late payment fee:  For peso billing, ₱1,000 or the unpaid minimum amount due, whichever is lower; for dollar billing, US$20 or the unpaid minimum amount due, whichever is lower

Read more: No Overspending and Late Payments: How to Manage Multiple Credit Cards

Step 3: Complete Your Bank of Commerce Credit Card Requirements

To get a Bank of Commerce credit card, you need to provide the following documents:

• Accomplished Bank of Commerce Credit Card Application Form^[1]
• Photocopy of any valid government-issued, photo-bearing ID. Here’s a list of acceptable IDs: 
  • Passport
  • Driver’s license
  • Company ID
  • Voter’s ID
  • TIN ID
  • SSS ID
  • Postal ID
  • PRC ID
  • Student ID (issued and signed by the school head or principal for the current school year)
  • Other government-issued IDs

📌 For Employed Applicants:

• Latest Certificate of Employment and Compensation
• Latest Income Tax Return (ITR) or BIR Form 2316
• Payslips for the last three months

📌 For Self-Employed Applicants:

• Copy of business papers
• For single proprietorships – Certificate of Registration of Business Name issued by the DTI
• For partnerships – Articles of Partnership and Certificate of Registration issued by the SEC
• For corporations – Latest Articles of Incorporation (AOI), By-Laws (BL) and Certificate of Registration issued by the SEC. Furthermore, you’ll need to submit the Certificate of Filing of AOI and BL, Board Resolution, or Sec. Certificate, and List of Elected Officers
• Latest ITR for the last two years stamped as received by the BIR or authorized bank
• Latest Audited Financial Statement (AFS) for the last two years stamped as received by the the BIR or authorized bank
• Last six months’ bank statements

📌 For Professionals:

• Latest ITR and Audited Financial Statements for the last 2 years
• Last six months’ bank statements

📌 For Non-Filipino Citizens:

• Certificate of Employment and Compensation
• Deed of Assignment (for the holdout on deposit)
• Original Comfort Letter^[2]
• Any of the following: 
  • PEZA-issued Visa/Special Investor’s Resident Visa
  • Certified True Copy of Passport and Alien Certificate of Registration/Work Permit

Step 4: Submit Your Bank of Commerce Credit Card Application

You may visit the bank to submit your credit card application requirements. But if you choose to file your Bank of Commerce credit card application online, all you need to do is email the following items to card_sales@bankcom.com.ph: 

• Duly accomplished application form 
• Scanned copies of your requirements
• A selfie shot of yourself

Bank of Commerce Credit Card Application Online: FAQs

Want to know more about the Bank of Commerce credit card application process? You may find some insights and answers here: 

1. How to check the status of my Bank of Commerce credit card application? 

Just reach out to the bank via the following channels: 

• Customer service hotline – (02) 8-632-BANK (2265)
• Domestic toll-free – 1800-10-982-6000 (PLDT) | 1800-8-982-6000 (Globe)
• Email – customerservice@bankcom.com.ph 

2. How to activate my Bank of Commerce credit card? 

You may also use the same channels above to learn how to activate your Bank of Commerce credit card. 

3. How to check my Bank of Commerce credit card balance? 

You can view your Bank of Commerce credit card balance through the electronic statement sent to your email address. Since 2021, all Bank of Commerce credit cardholders with a declared email address are automatically enrolled in the bank’s e-statement facility. This means you’ll receive your monthly statement via email.^[3] 

Read more: How to Check Credit Card Balance: 5 Easy Methods

4. How to pay for my Bank of Commerce credit card?

Where to pay my Bank of Commerce credit card balance? You have quite a few options. For offline payments, you can use the following channels: 

• Bank of Commerce branches
• Bank of Commerce ATMs
• 7-Eleven stores via CliQQ machine
• ECPay outlets 

But how to pay Bank of Commerce credit card online? Here are your options: 

• Auto-debit arrangement with the Bank of Commerce
• Bank of Commerce Internet Banking
• GCash 
• BPI QuickPay
• BPI mobile app
  

Final Thoughts

Bank of Commerce credit cards can open a lot of opportunities and benefits, such as rewards for every spend, free travel insurance, and 0% installment plans. If you're all set, start your Bank of Commerce credit card application online today! 

Still can’t decide which card to get? Compare your options below to see which card perfectly complements your lifestyle and budget. That way, you’ll be able to make the most of your card and even save through promos and discounts. 

💳 More Credit Card Options for You

Explore other credit cards like the BPI Gold Mastercard or the Maybank Gold Mastercard. These cards are perfect for different lifestyles and spending needs.

Or how about the Metrobank Titanium Mastercard^®, which is perfect for racking up credit card points fast, or the BPI Blue Mastercard, which lets you earn rewards points for every ₱35 spend?

You can also consider the UnionBank Rewards Credit Card, which lets you earn 1 non-expiring reward point for every ₱30 spend. Moreover, check out the BPI Platinum Rewards Mastercard, Metrobank World Mastercard^®, or the RCBC Flex Gold to unlock premium travel perks and many others.

Compare these cards easily and for free through Moneymax!

Sources: 

• ^[1] Bank of Commerce Downloadable Credit Card Application Form 
• ^[2] Comfort Letter Definition
• ^[3] Bank of Commerce E-Statement Notice