Thinking of applying for 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 submit a BPI credit card application. As long as you have all the required documents, you can complete the entire credit card 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 BPI credit card, 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. Moreover, you can also upload the required BPI proof of income and other relevant documents via its online credit card 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 as long as you meet the spend requirement within the promo period.
✔️ Exciting Rewards Program
It’s easy to earn rewards points with your BPI credit card. For instance, you can earn two BPI Points with every ₱20 spend with your BPI Visa 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 BPI Points don’t expire. Redeem items and services using your BPI Points in the BPI Rewards Catalog or VYBE App.
BPI Credit Card Application Steps: 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. Pick 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. Picking 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? If you pick the wrong option, your application may get 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 Blue Mastercard
- Annual income requirement: ₱180,000
- Annual fee: ₱1,550 (free forthe first year)
- Monthly interest rate: 3%
- Features: Earn one BPI Point for every ₱35 you spend; up to 36 months installment terms; up to ₱2 million travel insurance coverage
💳 BPI Edge Mastercard
- Annual income requirement: ₱180,000
- Monthly fee: ₱110 (free for the first year)
- Monthly interest rate: 3%
- Features: Earn one BPI Point for every ₱50 you spend; up to 36 months installment terms
💳 Petron - BPI Mastercard
- Annual income requirement: ₱180,000
- Annual fee: ₱1,550 (free for the first year)
- Monthly interest rate: 3%
- Features: 3% fuel rebate at participating Petron stations; ₱200 fuel voucher welcome gift
💳 BPI Amore Cashback
- Annual income requirement: ₱360,000
- Annual fee: ₱2,050 (free for the first year)
- Monthly interest rate: 3%
- 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 Gold Mastercard
- Annual income requirement: ₱480,000
- Annual fee: ₱2,250 (free for the first year)
- Monthly interest rate: 3%
- Features: Earn one BPI Point for every ₱35 you spend; free travel insurance up to ₱10 million; up to 36 months installment terms
💳 BPI Amore Platinum Cashback
- Annual income requirement: ₱1 million
- Annual fee: ₱5,000 (free for the first year)
- Monthly interest rate: 3%
- 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 Mastercard
- Annual income requirement: ₱1 million
- Annual fee: ₱4,000 (free for the first year)
- Monthly interest rate: 3%
- Features: Earn two BPI Points for every ₱30 local spend and ₱20 overseas spend; up to ₱10 million travel insurance coverage; free Priority Pass membership with spend requirement
💳 BPI Visa Signature
- Annual income requirement: ₱1.2 million
- Annual fee: ₱5,500 (free for the first year)
- Monthly interest rate: 3%
- Features: Earn two BPI Points for every ₱20 you spend; 50% off Signature deals; free travel insurance up to ₱20 million; free annual membership fee for three years for Preferred Clients
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.
Step 4. Fill Out the BPI Application Form Online
Now it's time for your BPI credit card application. Follow these steps for a smooth process:
- Go to the BPI official website at www.bpi.com.ph.
- Click the Cards menu > Apply for a Credit Card at the upper part of the page.
- Choose up to two BPI credit cards that suit your needs, and click Start Application.
- 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 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.
FAQs on BPI Credit Card Application
1. 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.
2. 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
3. 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.
4. How do I check my BPI credit card balance?
You can check your credit card balance by logging 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.
5. 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.
6. 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.
7. I have other concerns. How do I contact BPI customer service?
You may reach the BPI credit card customer service through the following BPI 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 the BPI 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!
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