Credit Cards by BPI
Updated: Nov 24, 2025
You can’t go wrong with the perks you'll get from BPI credit cards, whether it’s reward points, cash back, or travel benefits, among many other perks. Start your BPI credit card application online today!
Moneymax Holiday Bonanza Raffle
Join the Moneymax Holiday Bonanza Raffle for a chance to win incredible prizes, including the Samsung Fold 7, iPhone 17 Pro Max, Dyson V8 Slim, and more! Apply for eligible credit cards or personal loans through Moneymax and complete the simple steps for your chance to win one of these fantastic rewards. Promo runs from November 19, 2025, to January 31, 2026 Terms and Conditions Apply.
Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | BPI Amore Cashback Card | ₱3,700 | 4% Cashback | ₱180,000 | Ayala Malls Shoppers | ||
 | BPI Rewards Card | ₱3,700 | 1 point / ₱35 | ₱180,000 | Points Seekers | ||
 | BPI Petron Card | ₱3,700 | 3% Petrol Cashback | ₱180,000 | Petron-loyal Motorists | ||
 | BPI Amore Platinum Cashback Card | ₱3,700 | 4% Cashback | ₱1,000,000 | Restaurant-Goers | ||
 | BPI Gold Rewards Card | ₱3,700 | 1 point / ₱35 | ₱480,000 | Rewards Seekers | ||
 | BPI Platinum Rewards Card | ₱3,700 | 2 BPI Points / ₱20 | ₱1,000,000 | Lounge Access and Airmiles | ||
 | BPI Visa Signature Card | ₱3,700 | 1 point / ₱20 | ₱1,200,000 | Low Value Forex |
Why Trust Moneymax?
Finding the best no annual fee credit cards in the Philippines isn’t just about saving on annual charges — it’s about making smarter financial decisions with a trusted partner.
Part of MoneyHero Group (NASDAQ: MNY), Asia’s leading personal finance platform.
Registered with the SEC under Moneyguru Philippines Corporation.
Licensed by the Insurance Commission as a financial and insurance broker.
Don’t miss out on this great deal!
🚀 Boost Your Wallet with BPI & Moneymax 🚀
Apply for a new BPI credit card via Moneymax and get a welcome gift worth up to ₱3,700! Choose from cool gadgets like a Xiaomi TV Box, photo printer, action camera, or ₱2,000 cash credit.
Apply by Dec 15, 2025 to claim your reward
Participating Products:
BPI Amore Cashback Card
:
For Ayala Malls Shoppers
BPI Rewards Card
:
For Points Seekers
BPI Petron Card
:
For Petron-loyal Motorists
BPI Amore Platinum Cashback Card
:
For Restaurant-Goers
BPI Gold Rewards Card
:
For Rewards Seekers
BPI Platinum Rewards Card
:
For Lounge Access and Airmiles
BPI Visa Signature Card
:
For Low Value Forex
How to Qualify?
Apply by Dec 15, 2025 to claim your reward
Cashback Supermarket
4 %Cashback Base Rate
0.3 %Cashback Drugstore
1 %Annual Fee
₱ ₱
2,050 per yearApply through Moneymax and choose from 4 premium rewards:
- Get up to 4% cash back on supermarkets and department store spend
- Get up to 1% cash back on drugstore and bills payment spend
- Earn up to 0.3% cash back on all other local retail spend
- Enjoy unlimited access exclusive customer and family lounges in Ayala Malls
- One of the lowest forex conversion rates at 1.85%
- Ideal for: cardholders who love saving while shopping
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱2,050 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱35Annual Fee
₱ ₱
1,550 per yearMin. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards:
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance wherever you go up to ₱2 million
- Enjoy a variety of year-round discounts and perks
- Ideal for: money-savvy shoppers looking to go cashless
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Petrol
3 %Annual Fee
₱ ₱
1,550 per yearMin. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards:
- Earn 3% rebate on fuel (maximum of ₱15,000 per year)
- Free ₱200 fuel voucher for first-time cardholders
- Avail of flexible and convenient installment plans
- Convert your credit limit to cash for emergencies
- Ideal for: car owners traversing the road every day
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱1,550 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Online Food Delivery
4 %Cashback Dining
4 %Cashback Department Store
1 %Apply through Moneymax and choose from 4 premium rewards:
- Get 4% cash back on dining and online delivery spend.
- Get 1% cash back on supermarkets and department store spend.
- Earn up to 0.3% cash back on other international and local retail spend.
- Enjoy exclusive perks and deals at any Ayala Malls nationwide.
- One of the lowest forex conversion rates at 1.85%.
- Ideal for: cardholders who love to shop in-store and online.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱35Annual Fee
₱ ₱
2,250 per yearMin. Annual income
₱ ₱
480,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards:
- Earn one (1) reward point for every ₱35 spend
- Avail flexible installment plans with terms up to 36 months
- Free travel insurance up to ₱10 million
- Enjoy a whole roster of discounts all year round
- Ideal for: cardholders looking for premium perks
Repayment Details
Interest on Cash Advance: 3 %
Fees
Annual Fee: ₱2,250 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱480,000
Minimum Age: 21 years old
Rewards - Overseas Spend
2 BPI Points per ₱20 spendRewards - Local Spend
2 BPI Points per ₱30 spendAnnual Fee
₱ ₱
4,000 per yearMin. Annual income
₱ ₱
1,000,000Apply through Moneymax and choose from 4 premium rewards:
- Earn 2 BPI points for every ₱30 local spend.
- Earn 2 BPI points for every ₱20 foreign currency spend online and abroad.
- Convert straight payments on airfares to installment with 0% interest.
- Get up to ₱10 million free travel insurance.
- Get up to 180 days of purchase protection insurance.
- Enjoy up to four complimentary airport lounge passes yearly to over 1,300 lounges worldwide when you meet the spend requirement.
- Ideal for: frequent travelers looking for premium perks.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱4,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points
1 point per ₱20Annual Fee
₱ ₱
5,500 per yearMin. Annual income
₱ ₱
1,200,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards:
- Earn 2 BPI points for every ₱20 spend.
- Get up to ₱20 million free travel accident and inconvenience benefit.
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3.
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round.
- Ideal for: savvy shoppers and frequent travelers
Repayment Details
Cash Advance Monthly Effective Interest Rate : 3 %
Fees
Annual Fee: ₱5,500 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,200,000
Minimum Age: 21 years old