Thinking of getting a rewards credit card but not sure where to start?
In this review, we’ll take a closer look at the BPI Rewards Card—its features, benefits, and fees. Plus, we’ll compare it with other top rewards cards in the Philippines to help you choose the best one for your spending style.
BPI Rewards Card Features
What is the BPI Rewards Card?
This is a versatile rewards credit card from BPI that lets you earn points with every spend—perfect for the practical, cashless Filipino shopper. With flexible installment terms, travel insurance, and year-round promos, it’s a smart addition to your wallet.
Before we go into its perks, let’s check out the basic features and fees:
- Annual fee: ₱1,550 (with a waiver promo)
- Interest rate: 3% per month
- Minimum annual income requirement: ₱180,000
- Cash advance fee: ₱200 per transaction
- Overlimit fee: None
- Foreign transaction fee: 1.85%
💳 How much is the BPI Rewards Card credit limit?
Like most cards, this depends on your income, credit history, and other financial factors.
❓ Who is the BPI Rewards Card Ideal For?
This card is ideal for budget-conscious spenders who want to enjoy rewards, exclusive deals, and travel perks without the high annual fee. If you’re going cashless and want to maximize every peso you spend, this card is worth considering.
Who Can Apply for a BPI Rewards Card?
The BPI Rewards Card is open to both Filipinos and foreign residents living in the Philippines who meet the following eligibility requirements:
- Aged 21 to 60 years old
- Employed as a regular employee for at least six months, or a principal cardholder with another bank
- Earning a gross annual income of at least ₱180,000
- Holding an active credit card in good standing for six months
Basic Requirements for BPI Credit Card Application
To apply for a BPI credit card, make sure to prepare the following documents and details:
- One valid ID (e.g., SSS, TIN, Passport, Driver’s License, UMID, or PRC ID)
- Active mobile number and a working residence or business landline
- Latest Income Tax Return (ITR) – either Form 2316 or Form 1701, stamped by the BIR or an authorized agent bank
- Most recent two months’ payslips or your latest audited financial statements
- Latest credit card statement for applicants with existing card
- For foreign applicants: a copy of your valid Alien Certificate of Registration (ACR)
BPI Rewards Card Review: What Perks Can I Enjoy with this Card?
Here’s what makes the BPI Rewards Card stand out:
👍 Reward Points on Every Spend
Earn 1 rewards point for every ₱35 spend.
👍 Year-Round Discounts and Perks
Enjoy exclusive BPI deals on shopping, dining, travel, and more. With this card, there’s always a good reason to swipe.
👍 Free Travel Insurance
Planning a trip? Get free travel insurance coverage up to ₱2 million when you charge your full travel fare to your BPI Rewards Card. A useful safety net for frequent travelers.
👍 Flexible Installment Plans
Need to make a big purchase? Spread it out into manageable payments with installment terms of up to 36 months.
BPI 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 Rewards Card? You may also check out options from other banks:
💳 Metrobank Titanium Mastercard®
Shopping for essentials is easier and more rewarding with the Metrobank Titanium Mastercard®. Enjoy 2x rewards points on dining, department store, and online purchases, plus 1 point for every ₱20 spent.
Ideal for money-savvy cardholders who want to earn more rewards on everyday spending.
💳 Metrobank World Mastercard®
Looking for premium perks? The Metrobank World Mastercard® gives you 2x points for international purchases and 1 point for every ₱20 spend. Get up to 50% off on luxury dining deals and access exclusive travel and lifestyle offers.
Perfect for frequent travelers and premium perk seekers.
💳 HSBC Red Platinum Mastercard
Earn 4x points on shopping, dining, online, and overseas transactions with the HSBC Red Platinum Mastercard. You also get a 6% rebate on your first Caltex fuel spend (3% rebate year-round) plus global discounts and exclusive deals.
A great choice if you love to shop and dine—whether locally or abroad.
💳 Security Bank Gold Mastercard
If you’re looking for a reliable rewards card, check out the Security Bank Gold Mastercard. Earn 1 reward point for every ₱20 spend and enjoy exclusive perks and promos. Your annual fee is also waived for the first year.
Great for frequent online shoppers and reward seekers.
💳 UnionBank Rewards Credit Card
Make your spending more rewarding with the UnionBank Rewards Credit Card. Earn 3x non-expiring reward points when you shop and dine locally or abroad, plus 1 point for every ₱30 spend.
Ideal for cardholders who frequently shop and dine here and abroad.
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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