Beginner’s Handy Guide to BPI Credit Card Application Online

Published: November 3, 2020 | Updated: November 17, 2020 | Posted by: Mayee Gonzales | Credit Card


BPI Credit Card Application Guide | Moneymax

Thinking of applying for a BPI credit card? You’re in luck because you can conveniently apply for a BPI credit card online. That’s right! No need to go outside to submit a BPI credit card application. As long as you have all the required documents ready, the entire credit card application can be completed in just a matter of minutes. Learn how in our step-by-step guide.

BPI Credit Card Application: How to Apply for a BPI Credit Card Online

1. Check your eligibility

Before submitting an application, make sure that you are eligible for a BPI credit card. Below is BPI’s eligibility criteria for credit card applications:

  • At least 21 years old
  • Must be a Philippine resident or Filipino citizen
  • Earning at least PHP 180,000 per annum
  • Must have a business or residence contact number
  • Your home or business address must be within a 30km. radius of a BPI or BPI Family Bank branch or Provincial Business Center

2. Review the BPI credit card requirements

bpi credit card application guide - bpi credit card application requirements

Have the following documents ready before submitting your BPI credit card application:

BPI Credit Card Application Requirements

Filled-out application form together with the following documents:

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

3. Pick a BPI credit card that suits your budget and lifestyle

bpi credit card application - bpi credit card types

BPI offers 11 types of credit cards[1], each catering to different needs, budgets, and lifestyles. Picking the right one can be quite overwhelming because of the many choices. You can’t just randomly pick a credit card based on gut feel or recommendation from family and friends. What’s great for them may not work for you.

Why should you carefully select and compare a credit card? A wrong choice may get your application declined if you don’t meet the specific requirements for that card. Take your time and discover the different BPI credit card types below:

BPI Blue Mastercard

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 1,550
  • Monthly interest rate: 2%
  • Earn 1 reward point for every PHP 35 you spend

BPI Family Credit Card

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 1,000
  • Monthly interest rate: 2%
  • Cash advance of up to 30% of your credit limit

BPI Amore Visa

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 2,050
  • Monthly interest rate: 2%
  • Up to PHP 15,000 rebates per calendar year

BPI Amore Visa Platinum

  • Annual Income Requirement: PHP 1,000,000
  • Annual Fee: PHP 5,000
  • Monthly interest rate: 2%
  • Up to PHP 25,000 rebates per calendar year

BPI Edge Mastercard

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 1,320
  • Monthly interest rate: 2%
  • Earn 1 reward point for every PHP 50 you spend

BPI Express Credit

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 1,550
  • Monthly interest rate: 2%
  • Earn 1 reward point for every PHP 35 you spend

BPI Gold Mastercard

  • Annual Income Requirement: PHP 480,000
  • Annual Fee: PHP 2,250
  • Monthly interest rate: 2%
  • Earn 1 reward point for every PHP 35 you spend

Petron – BPI Mastercard

  • Annual Income Requirement: PHP180,000
  • Annual Fee: PHP 1,550
  • Monthly interest rate: 2%
  • 3% Fuel Rebate at participating Petron Stations

BPI SkyMiles Mastercard

  • Annual Income Requirement: PHP 180,000
  • Annual Fee: PHP 2,050
  • Monthly interest rate: 2%
  • Earn 1 SkyMiles point for every PHP 45 you spend

BPI SkyMiles Platinum Mastercard

  • Annual Income Requirement: PHP 1,000,000
  • Annual Fee: PHP 5,000
  • Monthly interest rate: 2%
  • Earn 1 SkyMiles point for every PHP 45 you spend
  • Earn double miles for every PHP 45 spend on Delta Air Lines tickets

BPI Visa Signature

  • Annual Fee: PHP 5,500 (free on the first year)
  • Monthly interest rate: 2%
  • Earn 1 reward point for every PHP 20 you spend

Apply for a no annual fee credit card through Moneymax!

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 rewards – 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?

Also consider the following BPI credit card features:

  • Annual fee – annual fees for BPI credit cards range from PHP 1,000 to PHP 5,500. Most cards have waived annual fees for the first year and only the BPI eCredit has a no annual fee for life.
  • Interest rate – also known as finance charge, the monthly interest rate is the interest charged on the amount you’ve borrowed. All BPI credit cards now have a 2% monthly interest rate as recently mandated by the Bangko Sentral ng Pilipinas[2].
  • Other features – check the rewards points, rebates, and other exclusive perks of the cards you’re considering to use.

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.

4. Fill out the BPI application form online

bpi credit card application guide - bpi credit card application form

Now it’s time for your BPI credit card application. Follow these steps for a smooth process:

  1. Go to the BPI official website at www.bpi.com.ph.
  2. At the upper part of the page, click the Cards menu > Apply for a Credit Card.
  3. Choose up to two BPI credit cards that suit your needs, click ‘Start Application’.
  4. 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.
  5. Review your answers thoroughly and make sure they’re correct and complete.

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 government-issued ID will do.
  • Proof of income – (refer to the complete 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 the date when you filed your application form). Failure to do so will result in cancellation of your application.

Read more: Applying for a Credit Card? Prepare These Credit Card Requirements First

6. Find out your BPI application status

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, it’s likely that your application is declined.

Alternatively, you can check your application status online. If you’re registered with BPI’s online banking facility, follow these steps:

  1. Go to the BPI official website at www.bpi.com.ph
  2. Log in to your account.
  3. Click Other Services > Application Status Inquiry > Credit Card.
  4. Enter your date of application.

You may also call BPI’s 24-hour hotline to find out your application status. Dial 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 contact BPI’s customer service through the following numbers:

Metro Manila: (02) 89-100
Domestic toll-free: 1-800-188-89100
Mobile phone and international: (632) 89-100

FAQs on BPI Credit Card Application

bpi credit card application guide - bpi credit card faqs

What is the BPI credit card application processing time?

BPI usually takes one to two weeks to process a credit card application. While waiting for an update, it is recommended that you not apply for another BPI credit card as this may affect your pending application.

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 do this, simply log in to your BPI Express Online account and check if your credit card details (credit limit and customer numbers) are already in your profile. If so, this means that your BPI credit card is already active.

If not, you can activate your BPI credit card through the BPI banking hotline. Here’s how to request for activation:

  • Call the BPI customer service hotline.
  • Press 2 for Credit Cards.
  • Press 2 for Credit Card Activation.
  • A BPI customer representative will answer your call. You will be asked for the last eight digits of your card number so make sure that you have your BPI credit card with you.

I have other concerns. How do I contact a BPI customer representative?

You may speak to a customer representative through the following hotline numbers:

Metro Manila: (02) 89-100
Domestic toll-free: 1-800-188-89100
Mobile phone and international: (632) 89-100

You may also send an inquiry on the BPI Official Facebook page  at www.facebook.com/bpi.

Read more: Exciting BPI Credit Card Promos to Check Out

Final Thoughts

Enjoy the convenience of applying for a credit by doing it online. Good luck with your BPI credit card application and remember to always swipe responsibly.

Compare credit cards for free at Moneymax.

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