Thinking of upgrading to a more premium credit card that delivers top-tier rewards?
In this review, we’ll dive into the features, benefits, and fees of the BPI Platinum Rewards Card built for high-earning, travel-loving cardholders. Plus, we’ll compare it to other top rewards credit cards in the Philippines to help you find the perfect match for your lifestyle.
BPI Platinum Rewards Card Features
What is the BPI Platinum Rewards Card?
This premium rewards credit card from BPI is designed for cardholders who want more value from every swipe—whether spending locally, abroad, or online. With accelerated rewards, travel protection, and access to airport lounges, it’s perfect for frequent travelers and big spenders who want premium perks.
Here’s a quick overview of its key features and fees:
- Annual fee: ₱4,000 (with waiver promo available)
- Monthly interest rate: 3%
- Minimum annual income requirement: ₱1,000,000
- Cash advance fee: ₱200 per transaction
💳 How Much Is the Credit Limit?
Your credit limit will depend on your income, credit standing, and overall financial profile. High earners with good credit history can expect a more generous credit limit.
❓ Who is the BPI Platinum Rewards Card Ideal For?
If you travel often, shop online frequently, or simply want more value from your everyday spending, this card is a solid choice. It’s ideal for:
- Jetsetters who want to earn miles fast
- Frequent online shoppers
- Cardholders who love exclusive travel perks like lounge access and insurance
- High-income professionals and entrepreneurs
✅ Who Can Apply for the BPI Platinum Rewards Card?
Both Filipino citizens and foreign residents in the Philippines can apply for the BPI Platinum Rewards Card if they meet these criteria:
- Aged 21 to 60 years old
- Regular employee or self-employed
- Earning at least ₱1 million annually
📝 What are the Requirements to Apply for a BPI Platinum Rewards Card?
For Employed Applicants:
- One government-issued valid ID (e.g., UMID, Driver’s License, Passport)
- Valid TIN, SSS, GSIS or UMID number
- Signed Certificate of Employment
- Proof of income: Latest 2 months payslips or ITR with bank/BIR stamp or for 1 year credit cardholders, a copy of your credit card statement from another bank
- Active landline/mobile phone number
For Self-Employed Applicants:
- One valid government-issued ID
- Valid TIN, SSS, GSIS or UMID number
- Proof of income: Latest ITR with BIR/bank stamp
- Latest audited financial statements with BIR/bank stamp
- Active landline/mobile phone number
🌟 BPI Platinum Rewards Card Review: Perks That Pack a Punch
Here’s why this card stands out from the rest:
👍 Double Rewards Points on Local and Overseas Spend
- Earn 2 BPI Points for every ₱30 spent locally
- Earn 2 BPI Points for every ₱20 spent overseas and online
✈️ Free Travel Insurance Up to ₱10 Million
Charge your airfare to your card and enjoy free travel insurance coverage of up to ₱10 million.
🧳 Complimentary Airport Lounge Access
Get up to 4 free lounge passes per year to over 1,300 international airport lounges when you meet the spend requirement.
🛡️ Purchase Protection
Shop with confidence! Purchases made with your BPI Platinum Rewards Card are protected for up to 180 days.
💼 0% Installment on Airfares
Need to fly but don’t want to make a lump-sum payment? Convert your straight airfare payments to 0% interest installment.
BPI Platinum Rewards Card Alternatives
Not sure if this is the right card for you? There are plenty of other BPI credit cards or options from other banks with different benefits. Choose based on your lifestyle, income, and financial goals.
Already have a BPI Platinum Rewards Card? You may also check out options from other banks:
💳 Metrobank Platinum Mastercard®
Want a mix of premium perks and solid rewards? With the Metrobank Platinum Mastercard®, earn 1 point for every ₱20 spend and enjoy eCommerce purchase protection of up to $200. Dine in style with up to 50% off at partner restaurants. Your first supplementary card? No annual fee!
Ideal for: premium dining perk seekers
💳 Metrobank World Mastercard®
Apply for a Metrobank World Mastercard® and enjoy a taste of luxury. Earn 2x points on overseas purchases and 1 point per ₱20 spend. Enjoy up to 50% off on high-end dining deals for the true VIP experience.
Ideal for: frequent travelers and premium perk seekers
💳 Security Bank World Mastercard
This card takes your lifestyle up a notch. Earn 3x points per ₱20 spend, get free travel insurance coverage up to ₱10 million, and access over 1,000 airport lounges worldwide. Travel, and relax with exclusive airport retail perks.
Ideal for: travel aficionados who want more travel perks
💳 RCBC Flex Gold Visa
Adulting made rewarding. With the RCBC Flex Gold Visa, earn 2x rewards on 3 preferred categories. You can change these categories every billing cycle. Plus, enjoy free travel insurance, purchase protection, and access to Marhaba or Skyview airport lounges.
Ideal for: millennials who are leveling up in life
💳 HSBC Red Platinum Mastercard
Love to shop and dine globally? Earn 4x points on online, dining, shopping, and overseas spend. You also get a 6% rebate on your first Caltex fuel transaction and 3% rebate year-round.
Ideal for: online shopping and dining worldwide
Find the Credit Card That Fits You Best
No matter your spending habits or lifestyle, there's a rewards credit card that fits your needs. Whether you're after high rebates, international perks, or generous point multipliers, these options from top Philippine banks offer great value. Compare your choices and pick the one that matches how—and where—you spend the most.
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